Investing

If you have some extra savings, learn how to invest to make your money work for you. Investing is a good way to increase the value of your money over time.

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Understanding Investing

Saving money is an important part of any financial plan — but to grow your money significantly over time, you must also invest. Investing involves committing a certain amount of money to a venture with the expectation that it will return a profit. The size of the profit depends on the level of risk you assume.

Investing requires taking on some risk, which can lead to a greater potential reward or loss. Investing is different from saving money because there is no guarantee you will earn a return or that you will even get the entire principal back.

Experts recommend diversifying investments by balancing riskier ones with low-risk choices. Safe investments include certificates of deposit (CDs), Treasury bonds and money market funds. Riskier investments include stocks and mutual funds. Before you get started, be sure to research all your options.

FAQ

Here are the answers to some of the most frequently askedInvesting questions.

If you are a beginner at investing sometimes it helps to make a blueprint for your investment strategies and options you’d like to explore. For example, make sure to set your short-term and long-term investing goals, pick a brokerage account that can help your individual needs and find investments that fit your risk tolerance.

Learn More: Investing for Beginners

Getting a 10% return on investment, or ROI, is rare and not guaranteed as generally the higher the return means the higher the risk level. However, higher risk and more volatile investments can get you 10% ROI such as cryptocurrency, peer-to-peer lending, real estate and long-term investing.

Learn More: How To Get a 10% Return on Investment

In many cases, $1,000 can be a good way to start investing in some stock options. The stock market may be a higher risk but it also comes with potentially much higher rewards than a standard savings account so it might be worth it to move your $1,000 into that type of investment.

Learn More: Investing $1,000 Every Month