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So Where Should I Invest ???

So Where Should I Invest ???. So Where Should I Invest?. Different people have different reasons to invest, different amounts of money, etc. Because of this there is no one, true answer. There are many factors that impact on investment decisions…. Risk - Reward.

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So Where Should I Invest ???

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  1. So Where Should I Invest ???

  2. So Where Should I Invest? • Different people have different reasons to invest, different amounts of money, etc. • Because of this there is no one, true answer. • There are many factors that impact on investment decisions…

  3. Risk - Reward • the riskier an investment is, the greater the chance of growth or losses • safe investments such as GICs will lead to lower growth but guaranteed security

  4. Risk - Reward • risky investments, such as stocks and real estate may lead to fast and considerable gains or fast and devastating losses

  5. Reasons for Investing • if you are investing for your retirement, you may wish to put it in a slower growing investment so that the money is secure • if you need growth quickly (i.e. short term purchase) you may try something riskier

  6. Amount of Money Invested • to buy a GIC you must have at least $500 and a term deposit requires at least $5000 • you can buy stocks or mutual funds with any amount of money

  7. Future Sources of Investing • Is this a one time investment or do you plan on investing monthly? • GICs and term deposits can not be “added to”. You must buy new ones. • stocks and mutual funds can be added to on a regular basis

  8. Liquidity • the more you may need this money back, the more liquid the investment be • GICs and term deposits are locked in for a certain period of time • stocks and mutual funds can be sold at any time (there may be a penalty involved)

  9. Interest Rates • if interest rates are high you would be better investing in GICs, term deposits and bonds, as those pay interest

  10. Interest Rates • if interest rates are low you would be better investing in real estate because mortgages are cheaper

  11. Interest Rates • stocks and mutual funds are also more attractive since they increase your wealth in capital gains and not interest

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