the marklet scares me. i mean i’m doing mostly savings right nowi because they have no risk & i don’t want to loose my . i may want to go into when i have enough but stil keep my . why should i take the risk of the market???

 

  • redwine 5:02 am on February 14, 2010

    risk and return are infinately tied together. In order to generate returns above those of treasury bonds and savings bonds, you need to take more risk. You need to understand the risks and be comfortable with the risk. Mutual funds or index ETF’s are good ways to experiment with risk and understand your tolerance. Unless you have million in treasury bonds, you will likely need to generate returns cloer to 8%-10% per year to get ready for retirement. tba

  • arun 5:02 am on February 14, 2010

    this is the crrect tie 2 invest in the stock futures ….coz they are at very low levels

  • Repairmanjack 5:02 am on February 14, 2010

    You are scared because you don’t know anything. Here’s a site that will help you:

    http://saveyournestegg.com/diy.html

    Over time, the stock market trends up. But it can be a bumpy ride. If you need money in 2 years, stay out. If you are investing for retirement in 30 years you need to be in the market to outpace inflation.

    Right now you are making one of the biggest decisions of your life. Will you learn how to properly invest or will you ruin your financial future?

    I highly suggest going to that site. It has links to free risk assessment quizzes you should take and teaches how to set up a good asset allocation. It will make investing understandable and keep you from gambling or falling for scams.

    You are very smart to want to learn how to invest. Don’t blow it!!

  • jonas s 5:02 am on February 14, 2010

    it depends on what you mean by stock market ? below are 3 areas that look good now and reasons why

    1) healthcare – the demographic trend is the best of all sectors, look at low volatility blue chips like JNJ ( increased dividends by 5% consistently for over 50 years ) or a smallcap like OSTE – ( OSTEOTECH-NASDAQ ) that holds patents on demineralized bone products, an aging population has a huge demand for orthopedic related products, patent holders that are this small usually get taken over at big premiums

    2) Indexed funds can help you buy the bottom – look at UYG ( ultrafinancials etf ) this will do well in 2-3 years, double in my opinion

    3) UUP – ultradollar bull etf – in the next 2-3 years dollar rally, ( special to patriotic types like myself)

  • A nobody 5:02 am on February 14, 2010

    If the market scares you, don’t get into it. One should never invest on their emotions.

    Don’t be so sure that saving bonds wont loose money. The bonds will pay a fixed rate of return, as inflation grows, you interest will not, therefore you’re loosing purchasing power since your income is not staying with inflation. Granted, the bonds are back in principle buy the full faith of the Government.

    If and when you decide to invest, which you really should,
    There are thousands of people just like you that are, or were looking to invest and those that did buy Mutual Funds. One purpose of mutual funds is to help investors like you, who are either just entering the investment world or who have no experience investing.
    Fund companies have an entire array of products many will fit your needs.
    You can go to the MSN.Money website it has an entire section on mutual funds. Read about the various funds and in doing so you will be getting investment ideas and at the same time educating yourself about investing.

    You could also contact the funds companies for more information. I have found that Vanguard & Fidelity can meet your needs. The service and information they provide is all free and you will find it helpful. And remember, keeping you money in a bank or bank product is not investing.

    Good luck, if you don’t like something DON’T DO IT

  • T S 5:02 am on February 14, 2010

    Nobody wants to lose money in anyway, and you have all the right in this world to be scared of the Stock market.

    Before you take that step into the Stock market get educated on what the Stock market really is and how to get involved in it.

    I would take a look at this URL as it will explain in full details what to expect. This is the Encyclopedia Brittanica on the net sort of speaking about Investing in the real world.

    http://www.investopedia.com/default.aspx

    Go to the home section and there you will find the begiinners section.

    Also you can look at the other URL sites that I have listed in the know your source section below.
    On the finance.yahoo.com and the moneycentral.msn.com you can also find information on Mutual funds, ETF’s, by clicking on the investing tab.

    I hope this will be of help to you and to your future.

    Have a nice day,

    TS

  • Bob 5:02 am on February 14, 2010

    Start by reading

    Intelligent Investor: A Book of Practical Counsel by Benjamin Graham and Jason Zweig

    A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing by Burton G. Malkiel

    Everything has risk. US savings bonds carry the risk of opportunity cost and inflation. Sure they’re guaranteed to repay you the dollars, but years from now they will be shrunken by inflation. The opportunity loss come from tying your money up at a very low interest rate for a very long time.

  • Investment A 5:02 am on February 14, 2010

    Hello,

    I also had a similair problem as you have.
    I had a good amount of money, and wanted it to grow.
    So I looked around on the internet to find something that is:
    1) giving me great returns towards a relatively small risk

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  • ginikapikin o 5:02 am on February 14, 2010

    Life is full of risk, so why don’t you take the risk to get what you want.

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