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Principles of Investing

Published by sam - 17/08/07 - 08:08:03 pm

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InvestingDuring your lifetime, you are almost certain to encounter some large expenditures-for a new or vacation home, a college education for your children, a business of your own-that you won’t be able to meet from your current income. And during your retirement years, you will need additional money to suppliment your pension or Social Security in order to maintain your standard of living and enable you to do the things you’ve postponed during your working years. You can achieve these plans only if you dicipline yourself to set aside a fixed portion of your current income for investment in ways that ensure its steady growth, or, at the very least, protect it againts loss.

Whether you label this do-it-yourself payroll deduction plan “savings” or “investment” is immaterial, because all savings are m in fact, investments, and all investments constitute savings. Whatever you call it, you fundamental purpose is to prevent yourself from spending 100 percent of your cunnrent income shortly after ( or even before) you receive it, and to make your investments grow until you need them.

LIQUIDITY, SAFETY, AND TOTAL RETURN
Once you’ve resolved to set aside a portion of every paycheck, you will have many possible investments to consider:savings acccounts,certificates of deposit, mutual funds, stocks and bonds, and real estate, to name a few. But before making any kind of investment decision, you need to recognize that every investment offers you three potential advantages - liquidity, safety, and total return on your investment (in terms of interest or dividends and growth of your original capital). you should also be aware of their releationships to one another. Liquidity and safety usually go hand-in-hand, but for a higher return you generally have to sacrifice some liquidity of safety, or both.

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