Home » Finance

How to Invest for the Future

Jan 16, 2008
If you have been thinking about investing for future events such as retirement then you have a few choices. First off, know that high risk penny stocks will probably not be the best option for retirement. Retirement funds should be placed in less risky more stable stocks that would experience gradual growth over time and eventually accumulate into the nest egg you desire.

Bonds may be something to consider. They are similar to bank CDs but instead are issued by the government and have the potential to double over a period of years. These can be considered quite safe since they are backed by the government. However, they are quite conservative as far as growth is concerned.

If your looking for anything from safe to risky then mutual funds are great too. Mutual funds are typically well diversified in many stocks and so they are safe by nature. This is similar to hiring an investment broker and then telling him to invest your money according to the risk level you specify. Mutual funds are also great if you dont know much about investing.

If you choose to go it alone and invest in stocks then it is important to diversify and methodical investment decisions. Investing in only one or two stocks can mean disaster if that sole company does bad. Diversifying allows you to endure low points. A smart diversified portfolio will have a nice over all average return. You will certainly want to invest in sound companies when playing with retirement money so your worries will be minimal.

So as you can see there are more than a few options when it comes to investing for the future. You can have your money safe and sound in government backed bonds or you can take more risk with more earning potential in mutual funds or stocks. Write down your goals and decide what would work best for you personally.

Keep in mind that the longer you wait the more return you will need from an investment. That usually, but not always, translates into more risk. This does not necessarily mean you should invest in penny stocks but maybe it does if you feel you only have a year to live. No really dont put this off too long. You will want as many choices as you can get and the longer you wait the fewer choices you will have. Happy investing and invest with care.
About the Author
Scott Johns conducts research and analysis of stock market picks for a penny stock analysis company. To check out Penny Stocks and Picks for some of his company's latest picks.
Rating:
Please Rate:
(Average: Not rated)
Views: 104
Print Email Report Share
Article Categories
    • Artists
    • Gambling
    • Humanities
    • Humor
    • Movies
    • Music
    • Photography
    • Tattoos
    • Television
    • Classic Cars
    • Motorcycles
    • Recreational Vehicles
    • SUVs
    • Trucks
    • Vans
    • Branding
    • Business Opportunities
    • Careers and Jobs
    • Corporate
    • Customer Service
    • Direct Mail
    • Entrepreneurship
    • Ethics
    • Financing
    • Franchising
    • Home-Based Business
    • Human Resources
    • Import and Export
    • Leadership
    • Management
    • Market Research
    • Marketing and Advertising
    • Negotiation
    • Network Marketing
    • Networking
    • Organizational
    • Presentation
    • Project Management
    • Public Relations
    • Small Business
    • Strategic Planning
    • Team Building
    • Telemarketing
    • Training
    • Data Recovery
    • Databases
    • Games
    • Hardware
    • Networks
    • Operating Systems
    • Programming
    • Security
    • Software
    • Spyware and Viruses
    • Ask an Expert
    • College and University
    • Home Schooling
    • K-12
    • Languages
    • Online Education
    • Psychology
    • Coffee
    • Cooking
    • Gourmet
    • Recipes
    • Wine and Spirits
    • Acne
    • Aerobics
    • Alternative Medicine
    • Beauty
    • Cancer
    • Cosmetics
    • Depression
    • Diabetes
    • Diseases and Conditions
    • Fitness Equipment
    • Fitness
    • Hair Loss
    • Heart Disease
    • Medicine
    • Men's Health
    • Muscle Building
    • Nutrition
    • Skin Care
    • Supplements and Vitamins
    • Weight Loss
    • Women's Health
    • Yoga
    • Arts and Crafts
    • Babies
    • Collecting
    • Elderly Care
    • Genealogy
    • Hobbies
    • Parenting
    • Pets
    • Pregnancy
    • Woodworking
    • Feng Shui
    • Gardening
    • Home Appliances
    • Home Security
    • Interior Design
    • Landscaping
    • Affiliate Programs
    • Article Marketing
    • Auctions
    • Audio
    • Banner Advertising
    • Blogging
    • Broadband
    • Domain Names
    • E-Books
    • E-Commerce
    • Email Marketing
    • Ezines and Newsletters
    • Forums
    • Internet Marketing
    • Link Popularity
    • Pay-Per-Click
    • Podcasting
    • RSS
    • Search Engine Marketing
    • Search Engine Optimization
    • Security
    • Social Media
    • Spam
    • Video
    • Viral Marketing
    • Web Design
    • Web Development
    • Web Hosting
    • Copyright
    • Cyber Law
    • Intellectual Property
    • National, State, Local
    • Patents
    • Regulatory Compliance
    • Trademarks
    • Buying
    • Selling
    • Baseball
    • Basketball
    • Boating
    • Cycling
    • Extreme Sports
    • Fishing
    • Football
    • Golf
    • Hockey
    • Hunting
    • Martial Arts
    • Running
    • Scuba Diving
    • Soccer
    • Swimming
    • Tennis
    • Dating
    • Divorce
    • Marriage
    • Weddings
    • Astrology
    • Buddhism
    • Christianity
    • Faith
    • Hinduism
    • Islam
    • Judaism
    • Meditation
    • Metaphysical
    • New Age
    • Cable and Satellite TV
    • Cell Phones
    • Communication
    • Gadgets and Gizmos
    • GPS
    • Satellite Radio
    • Video Conferencing
    • VoIP
    • Addictions
    • Coaching
    • Goal Setting
    • Motivational
    • Stress Management
    • Time Management
    • Clothing
    • Electronics
    • Fashion
    • Gifts
    • Jewelry
    • Causes and Organizations
    • Environment
    • History
    • Holidays
    • Men's Issues
    • Nature
    • Philosophy
    • Politics
    • Women's Issues
    • World Affairs
    • Air Travel
    • Camping
    • Cruises
    • Destinations
    • Outdoors
    • Article Writing
    • Book Reviews
    • Copywriting
    • Fiction
    • Non-Fiction
    • Poetry
    • Quotes
    • Screenplay
    • Tools and Resources