Stock Markets Exposed

investing options?

i am sticking my big toe in to the pond of investing and do not have a clue what are some safer options compared to stocks or mutual funds?

Public Comments

1. Money Markets Certificates of deposit (CDs) Bonds DRIPs
2. Safe? Money markets, CDs, maybe some bonds. But I'd hardly call those investments, as you are unlikely to outpace inflation without taking any risk.
3. You could look at a Roth IRA. You could put in up to 9k before April 15th . Here's a good calculator for you to see if a Roth is what you're looking for. Everything is also heavily dependent on your age. http://www.planningtips.com/cgi-bin/roth.pl Also if your company has a 401k, you could try to put as much toward that as you can live without. Most employers match your contributions, so you instantly start out ahead. Here's a good 401k calculator too, I think it only works with Internet Explorer- http://misc.assurity.com/walcalcs/401k.asp
4. Investments safer than stocks and mutual funds are treasury bonds and municipal bonds. But they will never make you rich.
5. Your first option, should be to open a retirement account. This is always a good investment, regardless of who you are. If you have fully funded your retirement account and would like other options, you should consider a DRIP Plan. They are seldom recommended by brokers due to the low rate of commissions received. However, these reinvestment plans can be very powerful long-term investment. Studies have shown that DRIP's are one of the best strategies on Wall Street. They are inexpensive and easy to start. New investors to the stock market should definitely consider a DRIP Plan. Companies like Toyota, Royal Canadian Bank, Sony, Bank of America, General Electric and many other Blue Chip Stocks can be purchased through your DRIP Plan, with as little as 1 share in most cases. These long-term plans are great for beginners as well as veterans. Check them out.
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7. none because options are derivative instruments, so it is riskier than the underlying assets.
8. If you had to pick a stock or mutual fund then mutual funds are the way to go. Stocks are very volatile and wide price movements occur. With mutuals or ETFs the swings are alot less. Make sure you pick several different areas to buy so that you are diversified. Example some in energy sector, some in foreign markets, and some in us markets.