Introduction to Investing Investor.gov
Introduction to Investing. Many people just like you turn to the markets to help buy a home, send children to college, or build a retirement nest egg. But unlike the banking world, where deposits are guaranteed by federal deposit insurance, the value of stocks, bonds, and …
Actived: 7 days ago
Investing on Your Own Investor.gov
(2 days ago) When investing on your own, you are responsible for your decisions. How will you select one stock, bond, or mutual fund over others? Always make sure that all securities are registered with the SEC, using the SEC’s EDGAR database. Don’t purchase solely on stock tips from others.
Online Investing Investor.gov
(9 days ago) Online trading is quick and easy, but online investing takes time. With the click of a mouse, you can buy and sell stocks from one of the many online brokers offering low-cost trades. Although online trading saves investors time and money, it does not take the homework out of making investment decisions. You may be able to make a fast trade, but making wise investment decisions takes time.
Investment Products Investor.gov
(4 days ago) A wide variety of investment products exist to help you achieve your financial goals. Learn more about many investment products in the menu on the left. The main categories of investment products are: Stock Bonds Mutual Funds and ETFs Insurance Products such as Variable Annuities Every investment product has its own general set of features including level of risk and anticipated returns.
Direct Investing Investor.gov
(9 days ago) Direct Investing. You may be able to invest directly using direct stock plans (DSP) or dividend reinvestment plans (DRIP). Here’s how they work: Direct stock plans (DSP). Some companies allow you to buy or sell their stock directly through them without using a broker.
International Investing Investor.gov
(8 days ago) International investing may help U.S. investors to spread their investment risk among foreign companies and markets in addition to U.S. companies and markets. Growth. International investing takes advantage of the potential for growth in some foreign economies, particularly in emerging markets. But there are special risks of international
Save and Invest Investor.gov
(Just Now) Read this Director’s Take article to understand the risks of engaging in this type of speculative investing. Learn the ABCs of 529 Education Savings Plans. This article describes the types of 529 plans, highlights their fees and expenses, and encourages college savers to look at the big picture.
Compound Interest Calculator Investor.gov
(3 days ago) Read this Director’s Take article to understand the risks of engaging in this type of speculative investing. Learn the ABCs of 529 Education Savings Plans. This article describes the types of 529 plans, highlights their fees and expenses, and encourages college savers to look at the big picture.
(3 days ago) Realize that if you are investing in a variable annuity through a tax-advantaged retirement plan, such as a 401(k) plan or an Individual Retirement Account, you will get no additional tax advantages from a variable annuity. In such cases, consider buying a variable annuity only if it makes sense because of the annuity’s other features.
Useful Websites Investor.gov
(1 days ago) Useful Websites. Below is a list of websites run by federal agencies, state regulators, consumer groups and self-regulatory organizations that may be helpful to individual investors. You can find out if you’re dealing with a registered investment professional with a free simple search on Investor.gov’s homepage .
How Stock Markets Work Investor.gov
(7 days ago) Read this Director’s Take article to understand the risks of engaging in this type of speculative investing. Learn the ABCs of 529 Education Savings Plans. This article describes the types of 529 plans, highlights their fees and expenses, and encourages college savers to look at the big picture.
Diversify Your Investments Investor.gov
(7 days ago) Diversification can be neatly summed up as, “Don’t put all your eggs in one basket.” The idea is that if one investment loses money, the other investments will make up for those losses. Diversification can’t guarantee that your investments won’t suffer if the market drops. But it can improve the chances that you won’t lose money, or that if you do, it won’t be as much as if you
Learn About Investment Options Investor.gov
(1 days ago) Learn About Investment Options. While the SEC cannot recommend any particular investment product, a vast array of investment products exists, including stocks, mutual funds, corporate and municipal bonds, annuities, exchange-traded funds (ETFs), money market funds, and U.S. Treasury securities.
Assessing Your Risk Tolerance Investor.gov
(3 days ago) Assessing Your Risk Tolerance. When it comes to investing, risk and reward go hand in hand. The phrase “no pain, no gain” – comes close to summing up the relationship between risk and reward. Don’t let anyone tell you otherwise: all investments involve some degree of risk. If you plan to buy securities – such as stocks, bonds, mutual
Beginners’ Guide to Asset Allocation, Diversification, and
(9 days ago) For example, investing entirely in stock, in the case of a twenty-five year-old investing for retirement, or investing entirely in cash equivalents, in the case of a family saving for the down payment on a house, might be reasonable asset allocation strategies under certain circumstances. But neither strategy attempts to reduce risk by holding
Understand What It Means to Invest Investor.gov
(2 days ago) When investing, you have a greater chance of losing your money than when you save. Unlike FDIC-insured deposits, the money you invest in securities, mutual funds, and other similar investments are not federally insured. You could lose your “principal,” which is the amount you’ve invested. That’s true even if you purchase your investments through a bank.
Index Funds Investor.gov
(9 days ago) An “index fund” is a type of mutual fund or exchange-traded fund that seeks to track the returns of a market index. The S&P 500 Index, the Russell 2000 Index, and the Wilshire 5000 Total Market Index are just a few examples of market indexes that index funds may seek to track.
Understanding Fees Investor.gov
(2 days ago) Understanding the fees you pay is important to investing wisely. The following chart shows an investment portfolio with a 4% annual return over 20 years when the investment either has an ongoing fee of 0.25%, 0.50% or 1%. The best advice we can give you about understanding fees and investing wisely is to ask questions. For example:
(5 days ago) The SEC’s Office of Investor Education and Advocacy and the Financial Industry Regulatory Authority (FINRA) are issuing this Investor Bulletin to inform investors about social sentiment investing tools and highlight their risks. This Bulletin provides tips to consider before using tools that analyze or aggregate information from social media sources to make investment decisions or attempt to
Invest For Your Goals Investor.gov
(2 days ago) Invest For Your Goals. From retirement planning, to saving for education, to simply building a nest egg, individual investors may have a wide range of goals they hope to achieve. A concrete investment plan can help keep you on track – and increase your chances of achieving your goals. YouTube. U.S. Securities and Exchange Commission.
(5 days ago) Mortgage-Backed Securities and Collateralized Mortgage Obligations. Mortgage-backed securities (MBS) are debt obligations that represent claims to the cash flows from pools of mortgage loans, most commonly on residential property. Mortgage loans are purchased from….
Data Tagging Investor.gov
(6 days ago) Data tagging, in formats like XBRL or “eXtensible Business Reporting Language,” is gaining popularity as a way to enhance financial reporting. By using computer codes to "tag" different kinds of data in financial reports, the information companies file with the Commission can be made much easier to find and analyze. For example, specific items in a financial statement, such as net income
Leveraged Investing Strategies – Know the Risks Before
(5 days ago) Leveraged investment strategies attempt to magnify an investment’s return through: 1. borrowing money (margin), 2. using options, or 3. investing in securities that use leverage such as leveraged ETFs. Three common leveraged investment strategies include margin trading, options trading, and leveraged ETF trading.
What is compound interest
(5 days ago) Starting young lets the students take advantage of the magic of "compound interest." Compound interest is the interest you earn on interest. This can be illustrated by using basic math: if you have $100 and it earns 5% interest each year, you'll have $105 at the end of the first year. At the end of the second year, you'll have $110.25. Not only did you earn $5 on the initial $100 deposit, you
Promissory Notes Investor.gov
(4 days ago) Promissory notes are a form of debt that companies use to raise money. Investors loan money to a company. In return, investors are promised a fixed amount of periodic income. Typically, the rate of return promised is very high. And, the level of risk promised is very low. Promissory notes can be appropriate investments for many investors. But, promissory notes that are sold broadly to
Lost or Stolen Stock Certificates Investor.gov
(7 days ago) Lost or Stolen Stock Certificates. Brokerage firms, banks, transfer agents and corporations have procedures in place to help investors replace lost or stolen certificates. If your securities certificate is lost, accidentally destroyed, or stolen, you should immediately contact the transfer agent and request a "stop transfer" to prevent
Investor Alert: Thinking About Investing in the Latest Hot
(2 days ago) Momentum Investing. Another investing strategy that can pose high risks for retail investors is “momentum investing.” An investor using a momentum investing strategy seeks to capitalize on the continuance of existing trends in the market.
Private Equity Funds Investor.gov
(4 days ago) What are private equity funds? When you invest in a private equity fund, you are investing in a fund managed by a private equity firm—the adviser.. Similar to a mutual fund or hedge fund, a private equity fund is a pooled investment vehicle where the adviser pools together the money invested in the fund by all the investors and uses that money to make investments on behalf of the fund.
Vision Board: Invest for Your Future Investor.gov
(2 days ago) By Lori Schock, Director of the SEC’s Office of Investor Education and Advocacy If the headline grabbed your attention, then you probably already know about vision boards. If so and you’re new to saving and investing, consider creating a vision board with a goal to invest for your future. For those not familiar with the concept of a vision board, the idea is to use visual images and words
Funds Trading in Bitcoin Futures – Investor Bulletin
(9 days ago) A fund is required to disclose the principal risks of investing in the fund in its prospectus. For more information read, How to Read a Mutual Fund Prospectus (Part 1 of 3: Investment Objective, Strategies, and Risks). Potential loss of the investment. All …
Environmental, Social and Governance (ESG) Funds
(5 days ago) ESG investing is not limited to ETFs and mutual funds. Other types of investment products, like exchange-traded products that are not registered under the Investment Company Act of 1940, might also consider ESG factors in selecting an investment portfolio. Be sure you understand what you are investing in.
Crowdfunding for Investors – Updated Investor Bulletin
(4 days ago) Crowdfunding for Investors – Updated Investor Bulletin. April 14, 2021. The SEC’s Office of Investor Education and Advocacy is issuing this Investor Bulletin to educate investors about securities-based crowdfunding. Crowdfunding generally refers to a financing method in which money is raised through soliciting relatively small individual
Net Asset Value Investor.gov
(9 days ago) "Net asset value," or "NAV," of an investment company is the company's total assets minus its total liabilities. For example, if an investment company has securities and other assets worth $100 million and has liabilities of $10 million, the investment company's NAV will be $90 million. Because an investment company's assets and liabilities change daily, NAV will also change daily.
Tips for Teachers: Investing for Retirement -- Investor
(8 days ago) As a teacher, you have a number of choices to make when investing for retirement. The SEC’s Office of Investor Education and Advocacy is issuing this Investor Bulletin to help teachers make informed investment decisions, including about 403(b) and 457(b) plans -- tax-advantaged retirement savings programs often offered to teachers of public educational institutions.
Investor Alerts and Bulletins Investor.gov
(7 days ago) Whether you are investing on your own, working with a financial professional, planning your retirement, or just interested in learning more about investing generally, here are ten ways you can use Investor.gov to become a more informed investor and avoid fraud.
Resources for Classrooms Investor.gov
(4 days ago) Investor.gov has tools and resources that teachers can use, including our introductory guide for students, Saving and Investing for Students. Feel free to print out and share all of our free resources on Investor.gov.. Free Publication for Students: Saving and Investing for Students To order printed copies, please send the following information to [email protected]: (i) mailing address; (ii