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Financial Literacy - Investing Basics

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by

Irene Huang

on 16 April 2016

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Transcript of Financial Literacy - Investing Basics

So Why Should YOU Invest?
Future costs!
Growth of Money
Where Should You Invest Your Money?
What is 'Investing'?
"To expend money with the expectation of achieving a profit or material result by putting it into financial schemes, shares, or property, or by using it to develop a commercial venture."
Back then...
Historically women in the USA did not have many investment or ownership rights



I have general knowledge of stocks, bonds, and mutual funds


I am confident that my investments are allocated appropriately
WHAT
WHY
HOW?
Financial Literacy - Investing Basics
THANK YOU!
Powered by the Younger Women's Task Force
First state allowed women to inherit property if their husband died or become incapacitated
1718
1848
Married Women's Property Act
- Allowed women to enter contracts, receive rent, and inheritance and file lawsuits
1974
Equal Credit Opportunity Act
- Women could now open bank accounts without a male cosigner
Today
More women are graduating from college and make up about half the workforce
History in the Making
40%
70%
40%
24%
Average Wedding in the US:
$26,444
Average Cost of a House:
$188,900
Average Cost of Raising a Child:
$241,080
Vote at the shareholders meeting
Possible share of profit: dividend payouts
Can sell a for profit/loss
Risk:
Reward:
High risk
Can lose the all money you invested.


High reward
Possibility for stock to increase at multiple times original investment

Low to High Risk
Depending on credit rating of bond


Lower possible return
Can only expect back principal and interest agreed upon.
Risk:
Reward:

Low to High
Depends on the focus of the fund (more stocks/bonds)
Potentially less risky because an expert is investing for you

Depends on the focus of the fund (more/stocks bonds)
Risk:
Reward:
A pool of money from many different investors which is then managed by a expert who constructs a portfolio that can contain stocks, bonds, real estate and other investments.
According to Financial Finesse, a Financial Think tank….

**As of 2009
Give an entity money in exchange for part ownership in the entity.
Give an entity a loan for a specific amount with expectation of full repayment plus interest.
Bonds
What is a BOND?

Rights:
Repayment of principle
Payment of interest
Stocks
Mutual Funds
What is a Stock?

Rights:
What is a MUTUAL FUND?

???
Mutual Fund Company
Fund Manager uses pooled money to buy investments
Stocks

Bonds

Gold
Successful investments makes funds worth more
Investors get distributions
Hire a Financial Investor
Invest Yourself
Hiring an Financial Advisor
Costly
Pay Professional as well as cover the cost for buying and selling securities
Investing by Yourself
A Professional will help diversify your investments
Cons
Pros
Pros
Cons
Here are some tips...
Online Brokerage
Less costly since you just pay the fee to buy and sell securities
Need time to do research on what to invest

Possibly more risky depending on the diversity of your portfolio

Consider financial situation:
Risk you are willing and able to take

Do your research:
Google, Investopedia, Bloomberg, Yahoo Finance
Diversify
Full transcript