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Benefits- Buying a stock can make you

money if the stock price from the company

goes up.

Disadvantages- If the stock price goes down and

doesn't improve you will loose money

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nogoing additational income

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https://www.realtymogul.com/blog/the-tax-benefits-of-equity-real-estate-investing

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no insurance

hard to get rid of

poor performance

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Money Market Funds

Equity Funds

Fix income Funds

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Advantages: Cash Flow, Capital Gains,Leverage

Disadvantages:Costly to buy sell and maintain,requires management.

http://www.investopedia.com/university/real_estate/real_estate4.asp

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New York Stock Exchange-A stock exchange based in New York City, which is considered the largest equities-based exchange in the world based on total market capitalization of its listed securities.

S&P 500-Standard & Poor's 500 is an American stock market index based on the market capitalizations of 500 large companies having common stock listed on the NYSE or NASDAQ

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Riyad  The Adventages & Disaventages of Real Estate

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Riyad  The Adventages & Disaventages of Real Estate

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http://homeguides.sfgate.com/advantages-disadvantages-investing-real-estate-1680.html

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stock prices for company's

JCPenny=$7.76 apple =$110.37 Facebook=$77.50 Google =$503.17 Sony =$21.60

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Real Estate

Benefits: Having ownership of something,

buying/selling to make profit, and federal tax

benefits.

Disadvantages: Not being able to sell, debt,

additional expenses, and finding financing in

the first place.

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Benefits:

-Real estate income tends to increase faster in inflationary environments, allowing an investor to maintain its real returns.

-An investor can do things to a property to increase its value or improve its performance

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Exploring Real Estate Investments: Advantages And Disadvantages

As we discussed in Chapter 1, real estate is usually held as part of a larger portfolio, and is generally considered an alternative investment class. Real estate fits well as part of a portfolio because it has several qualities that can enhance the return of a larger portfolio, or reduce portfolio risk at the same level of return.

Benefits
Some of the benefits of having real estate in your portfolio are as follows:

1. Diversification Value - The positive aspects of diversifying your portfolio in terms of asset allocation are well documented. Real estate returns have relatively low correlations with other asset classes (traditional investment vehicles such as stocks and bonds), which adds to the diversification of your portfolio. (To read more about diversifying, see Achieving Optimal Asset Allocation,Introduction To Diversification, The Importance Of Diversification and A Guide To Portfolio Construction.)

2. Yield Enhancement - As part of a portfolio, real estate allows you to achieve higher returns for a given level of portfolio risk. Similarly, by adding real estate to a portfolio you could maintain your portfolio returns while decreasing risk.

3. Inflation Hedge - Real estate returns are directly linked to the rents that are received from tenants. Some leases contain provisions for rent increases to be indexed to inflation. In other cases, rental rates are increased whenever a lease term expires and the tenant is renewed. Either way, real estate income tends to increase faster in inflationary environments, allowing an investor to maintain its real returns. (To find out more about inflation, see All About Inflation, The Importance Of Inflation And GDP and Curbing The Effects Of Inflation.)

4. Ability to Influence Performance - In previous chapters we've noted that real estate is a tangible asset. As a result, an investor can do things to a property to increase its value or improve its performance. Examples of such activities include: replacing a leaky roof, improving the exterior and re-tenanting the building with higher quality tenants. An investor has a greater degree of control over the performance of a real estate investment than other types of investments.

Other Considerations
Real estate also has some characteristics that require special consideration when making an investment decision:

Costly to Buy, Sell and Operate - For transactions in the private real estate market, transaction costs are significant when compared to other investment classes. It is usually more efficient to purchase larger real estate assets because you can spread the transaction costs over a larger asset base. Real estate is also costly to operate because it is tangible and requires ongoing maintenance.

Requires Management - With some exceptions, real estate requires ongoing management at two levels. First, you require property management to deal with the day-to-day operation of the property. Second, you need strategic management of the property to consider the longer term market position of the investment. Sometimes the management functions are combined and handled by one group. Management comes at a cost; even if it is handled by the owner, it will require time and resources.

Difficult to Acquire - It can be a challenge to build a meaningful, diversified real estate portfolio. Purchases need to be made in a variety of geographical locations and across asset classes, which can be out of reach for many investors. You can, however, purchase units in a private pool or a public security, and these units are typically backed by a diverse portfolio.

Cyclical (Leasing Market) - Not unlike other asset classes, real estate is cyclical. Real estate has two cycles: the leasing market cycle and the investment market cycle. The leasing market consists of the market for space in real estate properties. As with most markets, conditions of the leasing market are dictated by the supply side, which is the amount of space available (or, vacancies), and the demand side, which is the amount of space required by tenants. If demand for space increases, then vacancies will decrease, and the resulting scarcity of space will cause an increase in market rents. Once rents reach economic levels, it becomes profitable for developers to construct additional space so that supply can meet demand.

Cyclical (Investment Market) - The real estate investment market moves in a different cycle than the leasing market. On the demand side of the investment market are investors who have capital to invest in real estate. The supply side consists of properties that are brought to market by their owners. If the supply of capital seeking real estate investments is plentiful, then property prices increase. As prices increase, additional properties are brought to market to meet demand.

Although the leasing and investment market have independent cycles, one does tend to influence the other. For instance, if the leasing market is in decline, then growth in rents should decrease. Faced with decreasing rental growth, real estate investors might view real estate prices as being too high and might therefore stop making additional purchases. If capital seeking real estate decreases, then prices decrease to force equilibrium.

Although timing the market is not advisable, you should be aware of the stage of the market when you are making your purchase and consider how the property will perform as it moves through the cycles.

Performance Measurement - In the private market there is no high quality benchmark to which you can compare your portfolio results. Similarly, it is difficult to measure risk relative to the market. Risk and return are easy to determine in the stock market but measuring real estate performance is much more challenging.

Exploring Real Estate Investments: Buying And Owning Real Estate

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Exploring Real Estate Investments: Advantages And Disadvantages

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By Ian Woychuk, CFA As we discussed in Chapter 1, real estate is usually held as part of a larger portfolio, and is generally considered an alternative investment class.

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An investment program funded by shareholders

that trades in diverse holdings and is managed by professionals.

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Benefits of having stocks.

The stock price can go up and make

You money.

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-Maintain assets value while

decreasing risk

-Improve performance and value of

property

-Income increases faster during inflation

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DEFINITION OF 'STOCK'

A type of security that signifies ownership in a corporation and represents a claim on part of the corporation's assets and earnings.

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Nagele Wodesso: What are the different types of bonds?

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Nagele Wodesso: What are the different types of bonds?

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http://www.investopedia.com/university/bonds/bonds4.asp

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Benefits of Mutual Funds:

-Advanced Portfolio Management: You pay a management fee as part of your expense ratio, which is used to hire a professional portfolio manager who buys and sells stocks, bonds, etc.

- Dividend Reinvestment: As dividends and other interest income is declared for the fund, it can be used to purchase additional shares in the mutual fund

-Risk Reduction (Safety): A reduced portfolio risk is achieved through the use of diversification, as most mutual funds will invest in anywhere from 50 to 200 different securities

-Convenience and Fair Pricing: Mutual funds are common and easy to buy. They typically have low minimum investments

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What are bonds?

A bond is a debt security, similar to an IOU. Borrowers issue bonds to raise money from investors willing to lend them money for a certain amount of time.

When you buy a bond, you are lending to the issuer, which may be a government, municipality, or corporation. In return, the issuer promises to pay you a specified rate of interest during the life of the bond and to repay the principal, also known as face value or par value of the bond, when it "matures," or comes due after a set period of time.
Why do people buy bonds?
What types of bonds are there?
What are the benefits and risks of bonds?
How to buy and sell bonds
Understanding fees
Avoiding fraud
Additional information
Why do people buy bonds?

Investors buy bonds because:

They provide a predictable income stream. Typically, bonds pay interest twice a year.

If the bonds are held to maturity, bondholders get back the entire principal, so bonds are a way to preserve capital while investing.

Bonds can help offset exposure to more volatile stock holdings.

Companies, governments and municipalities issue bonds to get money for various things, which may include:

Providing operating cash flow

Financing debt

Funding capital investments in schools, highways, hospitals, and other projects

What types of bonds are there?

There are three main types of bonds:

Corporate bonds are debt securities issued by private and public corporations.

Investment-grade. These bonds have a higher credit rating, implying less credit risk, than high-yield corporate bonds.

High-yield. These bonds have a lower credit rating, implying higher credit risk, than investment-grade bonds and, therefore, offer higher interest rates in return for the increased risk.

Municipal bonds, called "munis," are debt securities issued by states, cities, counties and other government entities. Types of "munis" include:

General obligation bonds. These bonds are not secured by any assets; instead, they are backed by the "full faith and credit" of the issuer, which has the power to tax residents to pay bondholders.

Revenue bonds. Instead of taxes, these bonds are backed by revenues from a specific project or source, such as highway tolls or lease fees. Some revenue bonds are "non-recourse," meaning that if the revenue stream dries up, the bondholders do not have a claim on the underlying revenue source.

Conduit bonds. Governments sometimes issue municipal bonds on behalf of private entities such as non-profit colleges or hospitals. These "conduit" borrowers typically agree to repay the issuer, who pays the interest and principal on the bonds. If the conduit borrower fails to make a payment, the issuer usually is not required to pay the bondholders.

U.S. Treasuries are issued by the U.S. Department of the Treasury on behalf of the federal government. They carry the full faith and credit of the U.S. government, making them a safe and popular investment. Types of U.S. Treasury debt include:

Treasury Bills. Short-term securities maturing in a few days to 52 weeks

Notes. Longer-term securities maturing within ten years

Bonds. Long-term securities that typically mature in 30 years and pay interest every six months

TIPS. Treasury Inflation-Protected Securities are notes and bonds whose principal is adjusted based on changes in the Consumer Price Index. TIPS pay interest every six months and are issued with maturities of five, ten, and 30 years.

What are the benefits and risks of bonds?
Investor Bulletin: What are Corporate Bonds
Investor Bulletin: What are High-yield Corporate Bonds
Investor Bulletin: Interest Rate Risk
MSRB Investor Guide 2012
Bond Funds and Income Funds
Callable or Redeemable Bonds
Financial Industry Regulatory Authority (FINRA)
Information on CUSIP numbers
Late Payment of Interest on Bonds
Municipal Securities Rulemaking Board (MSRB)
MSRB Electronic Municipal Market Access (EMMA)
The Securities Industry and Financial Markets Association (SIFMA)
Bonds can provide a means of preserving capital and earning a predictable return. Bond investments provide steady streams of income from interest payments prior to maturity.

The interest from municipal bonds generally is exempt from federal income tax and also may be exempt from state and local taxes for residents in the states where the bond is issued.

As with any investment, bonds have risks. These riskes include:

Credit risk. The issuer may fail to timely make interest or principal payments and thus default on its bonds.

Interest rate risk. Interest rate changes can affect a bond's value. If bonds are held to maturity the investor will receive the face value, plus interest. If sold before maturity, the bond may be worth more or less than the face value. Rising interest rates will make newly issued bonds more appealing to investors because the newer bonds will have a higher rate of interest than older ones. To sell an older bond with a lower interest rate, you might have to sell it at a discount.

Inflation risk. Inflation is a general upward movement in prices. Inflation reduces purchasing power, which is a risk for investors receiving a fixed rate of interest.

Liquidity risk. This refers to the risk that investors won't find a market for the bond, potentially preventing them from buying or selling when they want.

Call risk. The possibility that a bond issuer retires a bond before its maturity date, something an issuer might do if interest rates decline, much like a homeowner might refinance a mortgage to benefit from lower interest rates.

Avoiding fraud

Corporate bonds are securities and, if publicly offered, must be registered with the SEC. The registration of these securities can be verified using the SEC's EDGAR system. Be wary of any person who attempts to sell non-registered bonds.

Most municipal securities issued after July 3, 1995 are required to file annual financial information, operating data, and notices of certain events with the Municipal Securities Rulemaking Board (MSRB). This information is available free of charge online at www.emma.msrb.org. If the municipal bond is not filed with MSRB, this could be a red flag.

Additional information

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A bond is a debt security, similar to an IOU. Borrowers issue bonds to raise money from investors willing to lend them money for a certain amount of time. When you buy a bond, you are lending to the issuer, which may be a government, municipality, or corporation.

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Vince Mitchell-The disadvantages of bonds

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Vince Mitchell-The disadvantages of bonds

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-The market Price is always at

risk of decreasing.

-If a company goes bankrupt

all of the bond holders have a

chance to lose their investment.

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The Benifits of a 401k are that

you save more money from

taxes and have a fund for

after retirement.

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-No insurance

-Trading Limitations

-Too many choices

-Poor Performance

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Money market funds

Equity Funds Stocks

Fix income Bonds

http://www.investopedia.com/university/mutualfunds/mutualfunds1.asp

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What is a bond- http://investor.gov/investing-basics/investment-products/bonds#.VK6pNNLF-VM

Advantages of Bonds- http://www.investopedia.com/articles/00/111500.asp

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Nasdaq- A global electronic marketplace for buying and selling securities.

Dividend- a sum of money paid regularly by a company to its shareholders out of its profits.

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Maket value could go down after

You invested in a stock

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A Roth IRA is a retirement account that allows you to receive a tax-free income while in retirement.