1. Who is this person? 80% first generation of this Live below means
97% homeowners
50% owned same home over 20 years
Invest 20% income
1 in 5 retired
2 out of 3 self employed

2. Investing

3. Investing Not just about buying stocks!
putting your money to work to earn more money
Not just about buying stocks!

4. What to consider when choosing an investment:
Liquidity
Safety: FDIC insured
Return
How do you decide?
Risk-Return ratio

5. The Three Rules of Investing
1. Start Early.
Why does this matter?
2. Diversify
Industries
Types of investments
“diworsification”
3. Buy and Hold.
Handout on wasting money!!! Handout on money accumulation

6. Where can I invest my money?
Stocks
Large, mid, small cap
Emerging & foreign markets
Bonds
Mutual funds
Retirement Accounts (401Ks, IRAs)
Money market accounts; CDs, Savings Accounts
Real estate, collectibles
Gold & silver
Los Vegas??

7. Make a risk pyramid….

10. Most Americans Invest In…..
Mutual Funds

11. What type of investment is best for me?
Risk versus reward ratio