贵金属投资技术分析英文版 (28)

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1、InvestmentsFINANCIALGOALSEMERGENCYFUND–Asavingsaccountthatyoucanaccessquicklytopayforunexpectedexpensesoremergencies.Oftenthoughttobe3–8monthsofexpenditures—veryliquidFINANCIALGOALSPayyourselffirstTakeadvantageof401Kor403Bplans-employeroftenmatchesElectiveSavingsProgram

2、sGifts,inheritancesandwindfallsRetainedEarnings–profitsthatacompanyreinvests,usuallyforexpansionortoconductresearchanddevelopment.InvestmentLiquidity–theabilitytobuyorsellaninvestmentquicklywithoutsubstantiallyreducingitsvalue.SAVINGSACCOUNTSVeryliquidCompoundsinterestF

3、lexibleamountsandwithdrawaltimesFDICInsuredCertificateofDepositTimespecificationAmountspecificationPenaltyforearlywithdrawalFDICinsuredSTOCKSEquitycapital–moneythatabusinessgetsfromitsownerstooperateCommonstock–aunitofownershipofacompany,itentitlestheownerorstockholdert

4、o:votingprivilegesgrowthprofitsmaybedividendsStocksplitsSTOCKSPreferredstock–atypeofstockthatgivestheownerthefollowingadvantages:CashdividendsbeforecommonstockholdersFACTORSTOCONSIDERWHENINVESTINGINSTOCKYouarenotguaranteedwhatyoupaidforeachshareCurrentvalueisdeterminedb

5、yhowmuchanotherinvestorwillpayforshare–supplyanddemandAcorporationdoesnothavetopaydividends.BONDSAbondislendingmoneytoacorporationorgovernmententityforaperiodoftimeCorporateBond–awrittenpledgetorepayaspecificamountofmoneyalongwithinterestGovernmentBond–awrittenpledgeofa

6、governmentoramunicipalitysuchasacitytorepayaspecificsumofmoneywithinterestMUTUALFUNDSAmutualfundisaninvestmentinwhichinvestorspooltheirmoneytobuystocks,bonds,andothersecuritiesselectedbyprofessionalmanagerswhoworkforaninvestmentcompany.REALESTATEResaleforprofitRentalInc

7、omeCOLLECTIBLESCoinsStampsBeanieBabiesSportscardsDiversification-theprocessofspreadingyourassetsamongseveraldifferenttypesofinvestmentstoreducerisk.INVESTMENTDECISIONSSafetyandriskSafeinvestment–lowreturnSpeculativeInvestment(highrisk)–highreturnINVESTMENTRISKSSAFE:Gove

8、rnmentBondsSavingsAccountsCertificatesofDepositINVESTMENTRISKSVaryingrisk:StocksCorporatebondsMutualFundsRealE