贵金属投资技术分析英文版(12)课件

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1、贵金属投资技术分析英文版(12)MODULE 3THE NEXT BIG THINGLesson 3.2Stocks, Bonds & Mutual Funds贵金属投资技术分析英文版(12)Stocks, Bonds & Mutual FundsWhat is investing?Investing is purchasing a financial product or other item of value with an expectation of favorable returns.What is the purpose of investing?The purpose of in

2、vesting is to save money in order to improve financial well-being.贵金属投资技术分析英文版(12)Stocks, Bonds & Mutual FundsROI is the rate of revenues received for every dollar on invested in an item or activity.ROI rates vary with eachinvestment.What is return on investment (ROI)?贵金属投资技术分析英文版(12)Stocks, Bonds &

3、 Mutual FundsStock is an instrument that signifies ownership in a corporation and represents claim on a share of a corporations assets and profits.Stocks are typically riskier and long-term investments.What are stocks?贵金属投资技术分析英文版(12)Stocks, Bonds & Mutual FundsBonds are interest-bearing certificate

4、s used as a way for government or business to raise money.The bondholder lends money to the bond issuer for a set amount of time and interest. When the bonds are “sold” back to the issuer, the interest earned is given to the bondholder.Bonds are typically low-risk and good for short-term investments

5、.What are bonds?贵金属投资技术分析英文版(12)Stocks, Bonds & Mutual FundsMutual funds are open-ended investments that are professionally managed and consist of a variety of investment instruments including stocks, bonds, options, commodities, and money market securities.Diversification provides greater safety an

6、d reduces risk.Mutual funds are long-term investments.What are mutual funds?贵金属投资技术分析英文版(12)Stocks, Bonds & Mutual FundsReal estate is a piece of land and any buildings or structures on it.Real estate is a long-term investment.What is real estate?贵金属投资技术分析英文版(12)Stocks, Bonds & Mutual FundsCollectib

7、les are items which have value due to its rarity and desirability, such as antiques, coins, cars, and art.Collectibles are long-term investments.What are collectibles?贵金属投资技术分析英文版(12)Stocks, Bonds & Mutual FundsPrecious metals are natural metals that have value, such as gold, silver, platinum, and p

8、alladium.Precious metals are long-term investments.What are precious metals?贵金属投资技术分析英文版(12)Stocks, Bonds & Mutual FundsDo all investments offer a guaranteed positive return on investment (ROI)?NO! Although some investments are more likely to have a positive return on investment.贵金属投资技术分析英文版(12)Stoc

9、ks, Bonds & Mutual FundsThe greater the risk an investment may lose money, the greater its potential to provide a positive substantial return. The inverse is also true.How are risk and return related?贵金属投资技术分析英文版(12)Stocks, Bonds & Mutual Funds Age Risk tolerance Investment goalsWhat factors determi

10、ne the degree of risk investors take?贵金属投资技术分析英文版(12)Stocks, Bonds & Mutual FundsVery Conservative seeks to maintain the original value of the investments and is prepared to accept lower returns for lower risk.Conservative seeks relatively stable returns and accepts some risk through a diversified p

11、ortfolio.Moderate seeks higher medium-term returns and accepts the possibility of negative returns over short periods.Aggressive seeks high long-term returns and accepts the higher possibility of sustained negative returns over short periods.Very Aggressive seeks to maximize long-term returns and ac

12、cepts the possibility of greater volatility and short-term capital losses.Investor Profiles贵金属投资技术分析英文版(12)Stocks, Bonds & Mutual FundsTypes of investments Individual stocks Individual bonds Mutual funds Real estate Collectibles Precious metals贵金属投资技术分析英文版(12) PiggyBankSavings AccountIndividual Bond

13、sMutual FundsIndividual StocksReal EstateCollect-iblesPrecious MetalsDo you need a minimum amount of money to start/buy it?Can you get initial money back? Does it pay interest? Can someone steal it? Is it professionally managed? Is it easy to access the money? Best for Long-Term or Short-Term Goals?

14、 Identify the attributes (qualities) for different investments. Answer the questions for each type of investment.Investment Attributes贵金属投资技术分析英文版(12) PiggyBankSavings AccountIndividual BondsMutual FundsIndividual StocksReal EstateCollect-iblesPrecious MetalsDo you need a minimum amount of money to

15、start/buy it?NoMaybeYesYesYesYesNoYesCan you get initial money back? YesYesYesMaybeMaybeMaybeMaybeMaybeDoes it pay interest? NoYesYesMaybeMaybeNoNoNoCan someone steal it? YesNoNoNoNoNoYesMaybeIs it professionally managed? NoYesYesYesNoNoNoNoIs it easy to access the money? YesYesNoYesYesMaybeMaybeMay

16、beBest for Long-Term or Short-Term Goals? ShortShortShortLongLongLongLongLongIdentify the attributes (qualities) for different investments. Answer the questions for each type of investment.Investment Attributes贵金属投资技术分析英文版(12)Stocks, Bonds & Mutual FundsUma will be retiring in five years. She needs

17、a low-risk place to put her money that will earn interest. Where might she invest? Why?Bonds would be a good place for her retirement monies. They are typically low-risk and still pay interest.贵金属投资技术分析英文版(12)Stocks, Bonds & Mutual FundsSkip will be retiring in 38 years. He has an emergency fund tha

18、t could support him for nine months if something were to happen. Skip wants his money to work for him and he is not scared of market fluctuations. Where might he invest? Why? Stocks and/or mutual funds would be good options. Typically, stocks and mutual funds perform well over time and outperform ot

19、her investments.贵金属投资技术分析英文版(12)Stocks, Bonds & Mutual FundsImogene needs to start an emergency fund. Where might she invest? Why? A savings account in a bank would be a good option for her. It is a low-risk investment, easily accessible and it earns interest.贵金属投资技术分析英文版(12)Stocks, Bonds & Mutual F

20、undsAnne is saving for a new car. She wants to buy the car in three years. Where might she invest? Why? A savings account in a bank would be a good option for her. She would earn interest, and it is a low-risk investment.贵金属投资技术分析英文版(12)Stocks, Bonds & Mutual FundsThere are different types of investments and all have different ROI.The greater the risk on an investment, the greater the possibility of high returns and also negative returns.The type of investment should align with your investment profile.