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You will think about what kind of saving instru- __1
ment to use or what kind of investment to make. By putting your money in some kind of savings strument or investment, you can set aside small amount of money __2
regularly and the money will earn interest or divi-dends. Interest refers to the amount what your money __3
earns when it is kept in a savings instrument. Divi-dends are payments of part of a company’s earnings to people hold stock in the company. A savings instru- __4
ment has an “interest rate ” associated with it; this refers to the rate which the money in the instrument in- __5
creases during a certain period of time. Principal refers to the facial value or the amount of money you __6
place in the savings instrument on which the interest is earned.
Every type of savings or investment has some risk that the return will be less than needed or expected.Federally insured savings accounts are safe and guar-anteed up to $100,000 by the U.S. Government. Therefore, they may have lower interest rates, making __7
it hard to save large amounts of money for college. __8
Bonds and stocks often have higher returns than savings accounts or EE saving bonds but are more riskier. __9
You can reduce the risks of these kinds of investments by starting to save early. The earlier we begin the less __10
money you will have to put aside each month and the more total savings you will accumulate.
