Investment

• Savings - money you might need to get at quickly or money you are setting aside for a purchase or expense that you know will come up fairly soon (like a holiday or a deposit on a house).
• Investments are really for the longer-term - money you can afford to tie up for five years or more.
• Emergency Reserve Funds
• Gifting
TYPES OF CASH INVESTMENTS
• Bank and Saving Accounts
• Money- Market Mutual Funds
• Certificates of Deposit
• Treasury Bills
• Saving Bonds
• Fixed Annuities
• Cash Value of Life Insurance
BONDS WHY BONDS?
• Relative Safety
• Diversification
• Higher Return than Cash
• Income
Types of bonds
• Treasuries
• Government Agency Bonds
• Municipal Bonds or “munis”
• Corporate Bonds
Treasuries
• T-bills – short-term treasuries with maturities for one year or less.
• T-notes – medium-term treasuries paying interest semi-annually. Fixed maturity (1-10 years).
• T-bonds – long-term treasuries that also pay interest semi-annually. Maturities range 10-30 years.
Government agency bonds are issued by government agencies and are generally not insured by the federal government.
• Government agency bonds are issued by government agencies and are generally not insured by the federal government.
• Municipal bonds or “munis” are issued by state and local government agencies to pay for civic and governmental programs.
Types of municipal bonds
• Revenue bonds
• General obligation bonds
• Special project bonds
Types of corporate bonds
• Secured bonds - backed by corporate real estate or equipment.
• Debentures – backed but not guaranteed by the credit of the issuing company.
• Convertible bonds – may be exchanged for stock if the company’s common stock reaches a predetermined price.
Government bonds, some municipal bonds and bonds offered by large financially solvent corporations are generally considered to be higher in quality, lower in...

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