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Investing

Investing. Stages of Investing How your investment needs and strategies will change over time. Stage 1: Put and Take Account. Emergency fund Pay for short-term needs Have enough left over for unexpected expenses such as….. 3-6 months net pay in an interest bearing account.

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Investing

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  1. Investing Stages of Investing How your investment needs and strategies will change over time

  2. Stage 1: Put and Take Account • Emergency fund • Pay for short-term needs • Have enough left over for unexpected expenses such as….. • 3-6 months net pay in an interest bearing account

  3. Stage 2: Beginning Investing • Goal is to earn money with money • “Excess” savings beyond what is needed for daily expenses and emergencies • Early investing should be conservative, low risk • Begin in your late 20’s and early 30’s

  4. Stage 3: Systematic Investing • Investing on a regular and planned basis • Increasing amounts as income grows • Investing for a financially secure future • Begins in your late 30’s and 40’s when earning potential is the highest

  5. Stage 4: Strategic Investing • Careful management of investment alternative to maximize growth of your portfolio (collection of investments) • Diversification spreads risk across portfolio by having a mix of investments types

  6. Stage 5: Speculative Investing • Excess money to take larger risks • Maximize return in the short-term • The greater the risk, the greater potential return (or loss) • Be prepared to lose entire investment • Chances of “hitting it big” are slim

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