2. Job 1: Consult with your parents Tell them you want to start saving and investing. Ask them if they have a person they work with.

3. Our Local Stockbroker BOB HETTERSCHEIDT (740) 965-6401 4 S VERNON STREET SUNBURY, OH 43074 Mailing Address: PO BOX 282 SUNBURY, OH 43074

4. The Big Question I want to invest, but I have no idea where to put my money.

5. One Terrific Option A mutual fund pools the money of a number of investors. The fund is managed by a professional with a track record. Each fund has a stated purpose or goal. Your investment advisor will help you pick one that suits your needs.

6. Tremendous Advantages

7. Start with just a little You can start with as little as 25 dollars a month. Systematic (Direct Deposit) investing will lead to vast accumulation.

8. Instant Diversification When you buy mutual funds, your money is placed in a number of different companies. This way you are safe, if one company tanks.

9. Dollar Cost Averaging The stocks market goes up and down…..A LOT! If you invest a set amount every month, you return will be the blue long term trend line. If you feel that stock will be higher 30 years from now, this is the way you should invest!

10. Index Linked Mutual Funds One other option is an index linked mutual fund. Many mutual fund companies offer these. They will promise you the return of a stock measure like the S&P 500. There is ZERO guess work with these investment.

11. Essential You Start Today The Rule of 72 demonstrates how important it is to start investing immediately!