Investing is the act of putting your money somewhere with the expectation that you will get it back with maximum growth added to it.
There are two main types of securities. "Security" is just the technical name for an investment or a negotiable financial instrument. The first is a debt security. Bonds are common debt securities. With this you are lending money with the expectation of getting it back with interest.
The second, an equity security, is ownership. When you purchase stock you are an ower of that company and you are entitled to its assets and earnings, albeit only a fraction of the company.
Other types of investments include mutual funds, real estate, commodities, foreign currency, savings accounts, etc.
It is important for all investors to find the right balance, for example older investors that are close to retirrement or who are already retired should have the least amount of risk among investors to prevent losing their nest egg which supporting them now or very soon. Younger investors that are years away from retirement have lots of time to earn back losses and can afford to shoot for more earnings.
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Accidents happens to everyone and almost everyday!
Life insurance is a product needed by everyone but can be a scary and intimidating issue when making provision for your death.
We believe that getting life insurance should be simple and straight forward.
When deciding what type of life insurance you should purchase, you need to consider the risks that you are exposed to and how best to manage each one. Risk changes and therefore it is essential to evaluate your situation at least once a year so that you can make appropriate changes when necessary.
RISKS to consider:
1. The financial impact your death would have on your surviving family.
2. When loosing your income through disability or impairment.
3. When you are faced with a severe illness and the burden of the costs associated with it.
4. Losing or being denied insurance cover in the future, either because of a temporary inability to make the contribution payments for some reason, or because of your health circumstances changing.
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