Levels of Risk - Aspect 2
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Levels of Risk - Aspect 2
Risk Management and what the different investment options are and risk and return involved in each.
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Interview Results


Interviews

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Ms. Stefkovich- Business Teacher at Pt Highschool

 

1. 10%, school pre-determines percentage I put away to a 403(b) Plan.

2. No, because I have my pension and I really don't need it.

3. Yes, because I started started early in my life and I'm right where I wanna be.

4.Yes, because you'll have so much more money when you retire. The time value of money.

5. Higher rate of return on CD's and better access to your money in savings accounts.

6. It is important because it lowers your risk on your total investment portfoilio as a whole and it is not putting all your eggs in one basket.

7. Not really, you should just have a savings plan.

8. I wouldn't pick because their both equally important.

9. I'm not cheap I used to be now I'm cost effective. I'm not living for today I'm living for tomorrow. 

10. My dad has taught me alot of what I know because he used to be a banker.

 

 

Mr. Kosoglow- Business Teacher at Pt Highschool

 

1. 80%, Whatever I have at the end of the month I put it somewhere.

2. Yes, to make moeny and to diversify my portfoilio.

3. Absolutely, the time value of money.

4. Yes, because I would make more moeny but I wouldn't change it.

5. Savings account than nothing and is better than CDs now a days.

6. Having multiple investments and you can never predict the global economy.

7. No, unless you can afford it.

8. You need both of them to make everything work.

9. Cost effective, someone who is cheap doesn't buy anything, someone who is cost effective buy very well.

10. I learned evderything I know from College.

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Stock

Stock | Levels of Risk - Aspect 2 | Scoop.it
A type of security that signifies ownership in a corporation and represents a claim on part of the corporation's assets and earnings. There are two main types of stock: common and preferred.
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GarrettRamela's comment, March 13, 2013 11:21 PM
Stock is a type a investment where you give a corporation money to make their company grow thus you gain a piece of ownership in the company, You can make money off stock if the stock increases in value or if the company you invested in pays dividends. Dividends are yearly payments to you saying thanks for investing in our company but it may only be 50 cents a share of stock but if you own a million shares then your talking about some serious cash.
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Mutual Fund

Mutual Fund | Levels of Risk - Aspect 2 | Scoop.it
An investment vehicle that is made up of a pool of funds collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and similar assets.
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GarrettRamela's comment, March 13, 2013 2:21 PM
Mutual funds is a type of investment option. Professional investors gather money from anyone and everyone and pool all this money to have one big lump sum. With this kind of power the professional investors can diversify all the money and have a higher return on the total investments because if one investment does bad the others may do well and it wont hurt the mutual fund as a whole. When this happens the average investors that invested in this type of investment get higher returns.
GarrettRamela's comment, March 13, 2013 11:32 PM
Mutual funds have fees since they are professional managed by people who literally studying and watch the markets every singel day of their lives. This kind of fund has fees ranging from a front-end load, back-end load, sales load, exchange fees, 12b-1 fees, and maintenance fees. The professionals have these fees so that they can make a living since they do all the work. Mutual funds are a moderate to high-risk investment vehicle and alot of average people invest in them.
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Determining Risk And The Risk Pyramid

Determining Risk And The Risk Pyramid | Levels of Risk - Aspect 2 | Scoop.it
Many investors do not understand how to determine the level of risk their individual portfolios should bear.
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GarrettRamela's comment, March 13, 2013 1:56 PM
When you have investments different investors come up with different approaches to identify the different options into classes so to say. The risk pyramid is a tools used to show low-risk, low-return investments at the base of the pyramid and goes up to the tip of the pyramid for high-risk, high-return investments. Government bonds and savings account hold the base of the pyramid then mutual funds and real estate hold the middle of the pyramid and then the options, futures, and commodities hold the tip.
GarrettRamela's comment, March 13, 2013 2:02 PM
When investing, you could use the risk-reward concept and the risk pyramid to pick and maintain your investments. If you pick low-risk investments you are considered to conservative and as you start taking more risks you are considered speculative. Investors use this tool to find out if the investment option they picked is one with a high or a low risk.
GarrettRamela's comment, March 13, 2013 11:27 PM
Risk is a huge thing when it comes to investing. Without risk everyone would be millionaires. People have transcribed this complex world of markets, economy, and investments to help the average person better understand the world in which we live in.
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Teacher's Comments

Senior Research Project

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Senior Research Project

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Tami Yaklich's comment, March 22, 2013 12:14 AM
Good info, but make sure you focus on answering your research question
Tami Yaklich's comment, March 22, 2013 12:14 AM
Beyond providing info about types of investments, you want to analyze the best methods according to interviewees and various reseach
Tami Yaklich's comment, March 22, 2013 12:14 AM
30/30
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Blue-Chip Stock

Blue-Chip Stock | Levels of Risk - Aspect 2 | Scoop.it
Stock of a large, well-established and financially sound company that has operated for many years.
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GarrettRamela's comment, March 13, 2013 11:25 PM
Blue-chip stock is a kind of stock that is issued by a huge company that has established a name for itself. These are good investment because the company that is considered blue- chip stock is really big and probably has large control of the industry that they are in. These are safe investments that usually pay dividends to their investors.
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How To Create A Laddered CD Portfolio

How To Create A Laddered CD Portfolio | Levels of Risk - Aspect 2 | Scoop.it
Laddered certificates of deposit offer safe capital and predictable cash flow, while bringing simplicity to your portfolio.
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GarrettRamela's comment, March 13, 2013 11:17 PM
Cd's other known as certificates of deposits is a very low-risk investment vehicle and has its advantages over bonds. Because you can't take your money out of the account without penalty you can use CD's and make what is know as a CD ladder. This is when you start out with say a 3 year CD, a 2 year, and a 1 year with the following interest rate 5%, 4%, and 3%. you buy into all the accounts ant a givin time and as each matures buy into a 3 year so in 3 years youll own 3 CDs each a 3 year CD and at an interest rate of 5%.
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Commodity Investing 101

Commodity Investing 101 | Levels of Risk - Aspect 2 | Scoop.it
From the orange juice we drink to the gas we use to power our vehicles and heat our homes, commodities play important roles in our daily lives.
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GarrettRamela's comment, March 13, 2013 2:12 PM
Commodities are a type of investment vehicle which is considered to be speculative because of how the markets change so much and because of its uses. A commodity is basically a good that is the same no matter where you get it from. Lets say you have a barrel of oil, oil is a commodity because no matter where you buy it it is the same whereas if you buy a T.V. from two different companies one could be better than the other.
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Risk Management

Risk Management | Levels of Risk - Aspect 2 | Scoop.it
The process of identification, analysis and either acceptance or mitigation of uncertainty in investment decision-making.
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GarrettRamela's comment, March 12, 2013 2:13 PM
Risk management is the process of using investment tools to identify the risk associated with a particular investment. The two- step process involves the actual risk involved and how to use those risks to achieve your investments objective. Risk management is important because it could result in severe loses within your investment.