* Wealth Management * Financial Planning *

What Should I Invest In?

Stocks, preferred stocks, corporate bonds, municipal bonds, government bonds, mutual funds, ETFs, precious metals, real estate, CDs, annuities, options, futures, IRAs, 401(k)s, rollovers, currencies, foreign securities, energy companies, utilities, technology, financials, cyclicals, defensive stocks, speculative stocks, small cap, large cap, dividends, junk bonds, mortgage-backed securities.  The list goes on and on.  If your full-time job is not in the financial or investment world, it is a pretty good bet you could benefit from some professional help in your investment decision-making.

Among the most important financial decisions we make is how we invest our savings.  Deciding among the universe of investment options can be intimidating and daunting. The list of ways to invest your hard-earned savings dollars is virtually limitless. Here is where you can make or break your financial plan and future financial security.

The first step in deciding what to invest in, is to clearly define your objectives.  If you are saving for your retirement 20 years in the future, you will invest your money much differently than, say, someone saving to fund the purchase of a second home, send a teenager to college, or accumulating funds to pay off liabilities.

Investors also must identify the level of risk at which they are willing to subject their monies.  Every investor is unique.  It is critical purchase securities and assets consistent and appropriate with each investor’s risk tolerance profile.

​Whether we are already wealthy or just starting a new savings plan, Investment choices must be made with our specific financial situation at the center.  This would include the attention to many factors such as income, tax position, available savings, net worth, age, and so on.