5 Best Investments to Make

 

Investing can be a great option to generate another source of income, save for your retirement, and also to feel financially free. Investing helps you meet your financial goals, grows your wealth, and also helps us not to bother about the excuse of not been able to afford something. Investing can really help to manage the debt levels, the ups and downs of the market and also to maintain an emergency fund. 

There are many choices when it comes to investing from low risk options to high risk options and some of them are as follows-

1. Certificates of deposits.

Short-term certificates of deposits are issued at a higher interest rate than the savings account, by the bank. These certificates of deposits are "time deposits", and one cannot withdraw money before the specified period without paying the penalty. Interest is paid at regular intervals by the financial institution, and after maturity you get the principal amount deposited plus the accrued interest.

2. Savings account.

These are high-interest savings account that pays you interest on your deposited cash balance. These savings account have overhead costs, therefore much high level of interest-rates are provided by these kinds of banks. These high-interest savings account are for those who need money in the short-term and avoid the risk of not loosing their money.

3. Dividend Stocks.

One can be on a safer side if he invests in stocks that pay dividends. The share of the company's profit paid out to the shareholders, usually on a quarterly basis are the dividends. These dividend stocks are better suited for armature or intermediate investors. Those who can invest for a longer period of time can invest in these funds.

4. Corporate Bond Funds.

Sometimes corporations issue bonds to investors to raise money, which have an average maturity of one to five years. These can be a good choice for those investors looking for a flow of income and who want a bit more interest than the government bonds.

5. Government Bond Funds. 

Mutual funds are the government bond funds, that invest in debt securities issued by the government and different agencies. These government bonds are beneficial for low-risk investors, as these bonds don't carry much risk when interest rates rise.

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