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The investment landscape can be extremely dynamic and ever-evolving. But those who take the time to understand the basic principles and the different asset classes stand to gain significantly over the long haul. The first step is learning to distinguish different types of investments and what rung each occupies on the “risk ladder.”

Investing can be a daunting prospect for beginners, with an enormous variety of possible assets to add to a portfolio.
The investment “risk ladder” identifies asset classes based on their relative riskiness, with cash being the most stable and alternative investments often being the most volatile.
Sticking with index funds or exchange traded funds that mirror the market is often the best path for a new investor.
Understanding the Investment Risk Ladder
Here are the major asset classes, in ascending order of risk, on the investment risk ladder.

A cash bank deposit is the simplest, most easily understandable investment asset—and the safest. Not only does it give investors precise knowledge of the interest they’ll earn, but it also guarantees they’ll get their capital back.

On the downside, the interest earned from cash socked away in a savings account seldom beats inflation. Certificates of deposit (CDs) are highly liquid instruments, very similar to cash that are instruments that typically provide higher interest rates than those in savings accounts. However, money is locked up for a period of time and there are potential early withdrawal penalties involved.1

A bond is a debt instrument representing a loan made by an investor to a borrower. A typical bond will involve either a corporation or a government agency, where the borrower will issue a fixed interest rate to the lender in exchange for using their capital. Bonds are commonplace in organizations that use them in order to finance operations, purchases, or other projects.2

Bond rates are essentially determined by the interest rates. Due to this, they are heavily traded during periods of quantitative easing or when the Federal Reserve—or other central banks—raise interest rates.3

Mutual Funds
A mutual fund is a type of investment where more than one investor pools their money together in order to purchase securities. Mutual funds are not necessarily passive, as they are managed by portfolio managers who

The Benefits of an Online Store

There are a handful of advantages of running an online store instead of selling through conventional methods, among them saving in setup and operational costs. There is a downside, too, like online fraud and having to beef up your security through telephone verification and other tools that will provide insight on site interaction. Overall, more and more merchants are opting to stay on the World Wide Web and to maximize its potential.

Setting Up an Ecommerce Store: The Basics

In the digital age, many companies that were previously limited to brick and mortar have made the shift to also offering their consumers the option of buying their products online. This move makes a lot o sense since having an ecommerce store allows companies to seamlessly integrate actual selling points into their email marketing campaigns.

Don’t Sell Ordinary Stuff on Your Website – Make Your Products Exceptional

People underestimate how much they spend on exceptional items. If you make your products seem special, people are much more likely to buy.

Got $20? Why Not Start Your Own Business?

Did you know that you can start your own business with as little as $20? It’s true! There is a wealth of money out there waiting for the right person to come and pick it up, if you just know where to look.

Choosing the Right Shopping Cart Software for Your Ecommerce Website

The emergence of shopping cart software has revolutionized and immensely simplified e-commerce transactions. This vital applications act as the interface between online shoppers and online store merchants by facilitating a convenient and safe mode for the former to purchase any product or service they wish.

How Can a Business Adopt Magento and Why Would It Benefit From Doing So?

Magento, an open source e-commerce platform, is viewed as one of the e-commerce sector’s most essential pieces of software – especially for businesses hoping to create a fully customisable online store. As well as containing an accessible front-end site for customers using the store, Magento’s tailored back-end gives firms full control over every aspect of the platform.

Why Is Ecommerce Important for Business?

Ecommerce is best known for selling and buying of products or services over World Wide Web. A medium that lets the buyer and seller connect with each other anywhere on the globe.

Live Chat and Customer Service

This article is about how live chat can improve your customer service which is very important in your business. Live chat can help you boost your sales and conversion rate.

How to Promote Your Website the Right Way

Search engine optimization is not quantum physics and it does not take supreme technical skills to understand and carry out its basic strategies. Here are some of the basic tasks you can work to get your started.

Information About E-Commerce

Multi-Protocol Label Switching (MPLS) is basically a method used to improve the speed of the data transfer through routers. But this technology is now being used as a standard technology at many places due to the benefits it provides to the large scale IP technology.

What to Look For In Cyber Monday Ads

Every November you’ll see a whole lot of Cyber Monday ads in newspapers and on the internet. People wait for these ads very eagerly because everyone knows that this is when stores offer heavy discounts to internet shoppers. In fact, lots of people wake up early in the morning in order to go shopping on the internet so that they can buy things before they get picked up by others. American stores offer immense discounts starting from Thanksgiving and going all the way until New Year. This is the time of the year that you can pick up all sorts of electronics, appliances, toys, apparel etc. at very low prices. Stores offer these discounts so that they can achieve their annual sales targets easily.

Magento E-Commerce Platform Is the Best Solution for Your E-Commerce Business Website

Magento is the e-commerce solution that has an open-source technology. You can conduct all your business operations with a functional online store.

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