《贵金属投资技术分析英文版课件》由会员分享，可在线阅读，更多相关《贵金属投资技术分析英文版课件（16页珍藏版）》请在金锄头文库上搜索。
1、Chapter 11Saving and Investing OptionsWhat Are Low-Risk Savings Options?11-1Low-RiskChoicesLiquid savings include cash or investments that can be changed into cash quickly.Savings and checking accounts are liquid.Illiquid investments cannot be converted to cash quickly or without a penalty.贵贵金属投金属投资
2、资技技术术分析英文版分析英文版课课件件Slide2What Are Low-Risk Savings Options?11-1Low-RiskChoicesSavings accountsMoney market accountsoTwo types: deposit account or fundCertificates of depositoMoney set aside for specific length of time at a fixed interest rateLife insurance savings plansoBorrow against the policys ca
3、sh valueBrokerage accountsoAn account at an investment company贵贵金属投金属投资资技技术术分析英文版分析英文版课课件件Slide3What Are Low-Risk Investing Options?11-1Low-RiskChoicesBondsA bond is a loan that a buyer makes to a bond issuer.Government and corporations issue bonds.The face value is the amount the bondholder will be
4、 repaid on the maturity date.The maturity date is the date the borrowed money must be repaid.Bonds can be purchased at a discount or premium.贵贵金属投金属投资资技技术术分析英文版分析英文版课课件件Slide411-1Low-RiskChoicesReturn on a Corporate BondCorporate BondFacevalue:$5,000Discountrate:4%Couponrate:4%yearly(paidsemiannuall
5、y)Term:2yearsPurchaseprice:$5,0000.04=$200discountamount$5,000 $200=$4,800discountedpurchasepriceSemiannualinterest:$5,0000.04=$200interestperyear($100semiannualpayment)$2002years=$400totalinterestreceivedReturnoninvestment:Attheendofthesecondyear,thebondisredeemedfor$5,000(facevalue).$5,400totalamo
6、untreceived($5,000facevalue+$400interest) 4,800amountinvested$600totalprofitindollars$600$4,800=0.125=12.5%totalreturnoninvestment贵贵金属投金属投资资技技术术分析英文版分析英文版课课件件Slide5Building Communications SkillsBad News MessagesUse an indirect approach.In the first paragraph, refer to the issue and give facts or log
7、ical reasoning.In the second paragraph, state the denial or other bad news.In the third paragraph, state the action you want the reader to take.Close on a positive note.11-1Low-RiskChoices贵贵金属投金属投资资技技术术分析英文版分析英文版课课件件Slide6What Are Good Financial Market Investments?A mutual fund is a professionally m
8、anaged group of investments.It is bought using a pool of money from many investors.11-2Medium-RiskChoicesA personal residence (home) is typically a safe investment and good tax shelter.贵贵金属投金属投资资技技术术分析英文版分析英文版课课件件Slide7Asset Allocation in a Mutual Fund11-2Medium-RiskChoicesASSET ALLOCATIONPercent of
9、 HoldingsType of FundReason for Choice20%Bond fundFor stability and to offset risk of other funds20%Growth fundTo invest in high-risk choices that could grow greatly over time20%Global fundTo benefit from world economic growth20%Money market fundTo provide liquidity and short-term gains15%Income fun
10、dTo receive income in the form of dividends 5%New venture fundTo invest in emerging, young businesses that could become highly profitable and provide a high return贵贵金属投金属投资资技技术术分析英文版分析英文版课课件件Slide8What Are Individual Retirement Account Options?11-2Medium-RiskChoicesAn IRA allows you to deposit money
11、 into an account during your working years and withdraw it upon retirement.SEP accounts are tax-deferred retirement plans for small businesses.Keogh accounts are tax-deferred retirement plans for self-employed professionals, such as doctors and lawyers.贵贵金属投金属投资资技技术术分析英文版分析英文版课课件件Slide9What Retireme
12、nt Plans Are Available through Employers?11-2Medium-RiskChoicesDefined-contribution planso401(k) plans: tax-deferred plans for profit-seeking businesseso403 (b) plans: tax-deferred plans for government and nonprofit organizationsDefined-benefit plansoPension planRetirement accounts may be portable,
13、meaning you can take the account with you when you leave a job.贵贵金属投金属投资资技技术术分析英文版分析英文版课课件件Slide10Success Skills11-2Medium-RiskChoicesSet up a spreadsheet to show purchase price and change in value of investments.Track investments over time.Use it to compare investments.Use it to help decide when to
14、 change your investment strategy.Use Excel to get updated stock quotes.Tracking Investments Using a Spreadsheet贵贵金属投金属投资资技技术术分析英文版分析英文版课课件件Slide11How Can You Invest Directly in Financial Markets?Direct investing is buying stocks and other investments directly from companies and holding them.If you b
15、uy the stock of only one company, the risk is high because your money is invested in only one place.11-3High-RiskChoices贵贵金属投金属投资资技技术术分析英文版分析英文版课课件件Slide12How Can You Invest Directly in Financial Markets?11-3High-RiskChoicesBuying stocksoYou become a stockholder and own shares in a company.Futures c
16、ontracts and commoditiesoYou agree to buy or sell a commodity at a set price and date in the future.Investment clubsoYou pool your money with other people and invest together.贵贵金属投金属投资资技技术术分析英文版分析英文版课课件件Slide13How Do You Invest in Business Ownership?11-3High-RiskChoicesA proprietorship is owned by o
17、ne person.A partnership is formed by two or more persons.A franchise is a contract that gives you the right to sell a companys products and services.A business venture is a business that is backed by investors.贵贵金属投金属投资资技技术术分析英文版分析英文版课课件件Slide14What Are Other High-Risk Investment Choices?11-3High-Ri
18、skChoicesReal estateoLand or vacant lotsoReal estate investment trusts (REIT)oRental propertyCollectiblesPrecious metals and gems贵贵金属投金属投资资技技术术分析英文版分析英文版课课件件Slide15Focus On . . .Day TradersAttempt to make money by buying and selling stocks and bonds over short periods of timeSell stock when prices rise for a quick profitMust be aware of general market conditionsMust be familiar with companies, products, and industriesCan make high profits over time11-3High-RiskChoices贵贵金属投金属投资资技技术术分析英文版分析英文版课课件件Slide16
