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An investment is an up-front commitment of capital to purchase financial products with the intention of generating future profit based on interest or appreciation of the capital invested. Most investments also contain the risk that investors may lose part or all their investment. Investors should be aware of the risk/return potential of any investment products they consider for purchase, as typically the greater the return potential of a given investment, the greater the risk potential. Investors should also consider their own comfort with risk, the length of time they must invest, the fees charged by the investments they are considering, and their goal for the investment when making investment decisions.
The financial market offers a wide variety of different investment products for investors to purchase—from relatively straightforward investment types (securities) like stocks, bonds and short-term/cash-equivalent investments to portfolios that combine these investment types within various products, such as mutual funds, annuities and variable life insurance policies.
Investors may choose different investment products to meet a variety of needs, including retirement and estate planning, education financing and for funding purchases of all sizes. Financial Services Representatives can help select appropriate investment products based on an investor's goal for the investment, individual profile (comfort with risk, length of time to invest) and a product's fees and tax considerations (many investment products have built-in tax advantages).
I, Harvey D. Silverman, can help you develop a plan for your investments that takes these key factors into consideration.
Low- or no-risk investments that generally have lower expected yields than stocks, bonds and other investments - cash-equivalents may not yield enough to keep up with the rate of inflation.
Instruments of equity and represent shares of ownership in a company. They rise and fall with investor perception of the company's potential or other stock market factors, such as the outlook for the company's industry, the political climate or the strength of the economy.
Instruments of debt that represent loans issued by the government or a company. Investors who purchase bonds receive from the issuer a stated rate of interest and the promise of repayment of the principal amount when the bond reaches its stated maturity date. Interest-rate movements up or down typically have the greatest impact on bond prices.
Investing is also about taking steps to protect your financial future. Investors should develop a plan that addresses specific short- and long-term goals and that can be maintained and adjusted, as appropriate.
On the road to financial independence, you don't have to go it alone and risk making the wrong projections. If you don't have expertise in financial products and planning, I can help you make educated decisions and develop a plan.