Content tagged "financial security: saving and investing"

Financial Security: Saving and Investing

Personal Finance Updated: May 24, 2019

Even though the words "saving" and "investing" are often used interchangeably, there are differences between the two.Saving provides funds for emergencies...

Investment Return

Personal Finance Updated: February 20, 2013

Total return is the profit (or loss) on an investment. It is a combination of current income (cash received from interest, dividends, etc.) and capital gains...

Fact Sheet Explains Options for Saving for College

Personal Finance Updated: February 03, 2012

Released March 26, 2009COLUMBUS, Ohio -- Parents who are trying to save for their children's education but aren't sure where to start may find guidance in a...

Saving for Children’s College Education

Personal Finance Updated: January 06, 2012

Yilmazer, T. (2008). Saving for children’s college education: an empirical analysis of the trade-off between the quality and quantity of children. Journal of...

Stock

Personal Finance Grapes Updated: August 30, 2011

In finance: A certificate representing a share of ownership in a company. Stock is the ownership of a corporation represented by shares that are a claim on...

Emergency Cash Reserve

Family Caregiving Personal Finance Updated: April 05, 2009

Setting aside money to meet unexpected expenses provides a financial safety net and allows you to take advantage of financial opportunities as they arise....

The Risk / Rate-Of-Return Relationship

Personal Finance Updated: February 24, 2007

Generally speaking, risk and rate-of-return are directly related. As the risk level of an investment increases, the potential return usually increases as...

Asset Allocation

Personal Finance Updated: February 20, 2007

Asset Allocation Asset allocation is dividing a portfolio among major asset categories such as bonds, stocks, real estate, and cash to reduce the risk of the...

Investing Action Steps

Personal Finance Updated: February 20, 2007

The steps below suggest important actions for you to take to establish a solid foundation for future investing activity. Once completed, you will be ready to...

How Time Affects The Value Of Money

Personal Finance Updated: February 20, 2007

Investor A invests $2,000 a year for 10 years, beginning at age 25. Investor B waits 10 years, then invests $2,000 a year for 31 years. Compare the total...

The Time-Value of Money

Personal Finance Updated: February 20, 2007

Here is how time can work for you: Compounding works like this . . . The interest earned on your investments is reinvested or left on deposit. At the next...

Your Investment Goals

Personal Finance Updated: February 20, 2007

Your Investment Goals Goals are specific things (e.g., buy a car, put a new roof on the house) that people want to do with their money. As people move...

Your Tax Situation

Personal Finance Updated: February 20, 2007

The return on any investment is influenced by your federal, state, and local tax situation. Investment earnings may be: Before selecting an investment, learn...

Your Time Horizon

Personal Finance Updated: February 20, 2007

Your Time Horizon Time is a very important resource to investors. Young investors with a long time horizon may choose investments that exhibit wide price...

Diversification

Personal Finance Updated: February 20, 2007

You can do several things to offset the impact of some types of risk. Diversifying your investment portfolio by selecting a variety of securities is one...

Dollar-cost Averaging

Personal Finance Updated: November 15, 2006

The process of making regular payments or investing the same amount periodically.

Mutual Fund

Personal Finance Updated: November 15, 2006

A pooled investment vehicle; its securities are managed for a fee by a professional investment group.

Blue-Chip Stock

Personal Finance Updated: November 14, 2006

A term, derived from the most expensive chips in a poker game, used to indicate the stock of companies with long records of growth and profitability; i.e.,...

Annual Report

Personal Finance Updated: November 14, 2006

A report that public companies are required to file annually that describes the preceding year’s financial results and plans for the upcoming year. Annual...

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This work is supported by the USDA National Institute of Food and Agriculture, New Technologies for Ag Extension project.