1. Your Questions About Invest In Stocks Or Bonds
Linda asks…
What are some aggressive stocks, or bonds to invest in?
I have a retirement funds that I am contributing to, but as a young married man, I want to also
invest some money into the stock market or bonds over a long period of time. Since, I have
time I feel I can be aggressive, I just don't know where to put our money. For instance, in the
government, the most aggressive funds are the S and I funds, which are international I think.
Are there funds like these that you can go through an online broker and invest in? Any advice
would be greatly appreciated. Thanks!
*retirement fund*
I am 24. I am not really looking towards retirement with this. I have a TSP for that. I am thinking
5-10 years, or more depending on need.
Steve Winston answers:
I hope the retirement funds are being aggressively invested most of all. IAU - gold will rise PGJ -
China still will make you $$. EWA-ustralia will benefir from China. ADX & PEO-2 solid closed
end funds that make money consistently. The latter high on energy. They & the etfs all avail
through brokers. Not all or nothing bets - can make money over time.
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2. William asks…
what is the differences between investing in stocks, bonds, mutual
funds?
So, i'm new to investing.. I know the definitions of them; but i was just wondering what is the
benefits or advantages or so for investing in each of these?
Like the earnings or so? If you have any advice on them; please let do tell me. Thanks.
Steve Winston answers:
To put it simply.
A stock is a chunk of a company, the value of the share depends on what the market thinks.
Shares can go up or down.
A bond is a chunk of Debt, you aggree to pay for that chunk and after a period you get interest
back.
A Mutual Fund is a company that invests money on your behalf into Stocks / Bonds / Other
investments, in order to return you a profit.
They are experienced and educated in investing and should be utilised if you are not educated
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3. in shares or investing.
Mark asks…
Should I invest my capital in stocks, bonds or mutual funds?
I have a modest amount of about $1,000. Experienced investors only, please.
Steve Winston answers:
One thing to consider is your timeline. Are you looking at some quick profits or are you looking
to invest the $1k and be ok if the market goes up and down.
Stocks will provide you the biggest gain..however, it is also the riskiest. If you choose to invest it
in stocks...pick one stock and put the $1k into it. You don't want to own $200 worth of 5 different
stocks. Just keep in mind that it will fluctuate on a daily basis. Pick a high quality stock. GE has
always been one of my favorites. It is almost like a mutual fund because they are so diverse
within the company. They pay a 2.8% dividend which isn't bad. The stock doesn't move much
but it's stable.
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4. Mutual funds are a lot more stable than an individual stock. They tend to move slow because it's
usually very diversed and invested in 50+ different stocks. If you choose a mutual fund, I'd pick
something like the Vanguard Total Stock Market Index Fund. It tracks the entire stock market.
Bonds- not as exciting as stocks or mutual funds. But super stable. If you are ok with the returns
and not a big risk taker..this is the one you want.
I have a friend who is scared of losing even a penny in the market and puts all his money in
CDs!! But everyone is different when it comes to how much they are willing to lose.
Paul asks…
Is it a bad idea for a college student to invest money in stocks and
bonds?
I have a lot of debt and I don't have a car. But I have been learning about investing for a few yrs
and I would like to spend a little of my savings on it. Is that a bad idea or should I just pay off my
debt or keep saving for a car? Even if I get small returns would that impact the amount of
financial aid I get in a major way.
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5. Steve Winston answers:
For your situation, it is a bad idea for the most part, unless you truly know what you are doing,
which I do not believe you do because you are asking for advice about investing.
For your situation, know this: with regards to the stock market, you must have money to make
money.
I hope this helps!
Helen asks…
Should i invest in stocks or bonds?
I am 15 years old (my parents made me an account) and i have about $2600. should i invest in
stocks because i am soo young. Do i have enough money to diversify my portfolio. Should i go
into international stocks or domestic? Or should i do something totally different? I did a lot of
hmwrk, just want second opinion
What is an IRA and a roth IRA? (stand's for?)
name every type of bonds in the world you can get and definitions plz?
What's an ETF again? (more than exchange traded fund)
what's financing and refinancing/equity mean? (think i know, but not sure)
any other info you'd like to give?
**5 stars for best answer***
thanks, but can you guys answer the other questions...
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6. Steve Winston answers:
You cannot diversify your portfolio that much with only 2600, however, that is a good amount to
start a portfolio, and you can diversify in the future as you get more capital. You should go with
stocks, at your age, you can be risky, young people are advised to do so.
IRAs are retirement funds, the Roth IRA takes taxed-money but withdrawals are tax free, it is
good if you will go into a higher tax bracket as you get older, particularly when you retire.
I wouldn't mess with bonds, just because they have such low rates of return.
ETFs are basically mutual funds in stock form, you can buy them without a minimum amount to
start, there are some good ones out there that you could invest in with your money right now,
like 1k in 1, 1k in another and 600 in another, that would help you diversify your portfolio right
now since ETFs hold portions of various stocks.
Good luck, you're starting at a very good age.
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