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I like that the way you can contribute to your mutual funds is by setting up a payment method the most common method is paying 2 weeks and than a certain amount, if it were me since it would be my first time doing something like this i would do $25 every two weeks, start with something small and than you can call the bank if you wanna increase that number or just invest more into your mutual funds. So with stocks you wanna just make sure your keeping in tune with the news and making sure your stocks aren't falling like recently for example tesla fell $20 so right now would be a good time to watch the stock and see if you can pull of one of the best stock market methods which is the "Buy Low And Sell High" if you can get your timing right on your buy low and sell highs you will strive in the stocks.

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When it comes to investing their is just so much information that you have to think about and it constantly keeps going like the news is always changing numbers are either going up or down and its just so much to process. the reason i chose this video is because i never thought of investing and trading as two different things which they actually are depending how you look at it. Trading composes of mainly just stocks, etfs and crypto, the reason these are called trading is because you are putting money into it looking to sell as soon as it gets to a high point you aren't trying to keep it for a long time its more a short term purchase. where when it comes to investing its more Mutual funds, Real Estate and Bonds. The reason i say this is because you wanna make a purchase into real estate and play the long game looking for a house to increase which is the same thing but it takes more time and than with mutual funds you're investing money into an account and passively waiting for someone else to do those trades while you just contribute money. showing how the two are actually different in a way but still trying to achieve the same goal.

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The Difference Between Trading and Investing

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I feel like this image shows such a great view of what stocks are, you can see a bunch of companies on the left with either green that they went up or a red number because of them dropping. But the main thing with this is the graph in the middle that shows either the stock going up or down i feel like this image shows just how unpredictable a the stock market can really be.

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When you think of stocks you think of investing and big company's like Google, Apple, Tesla Etc. Anyone can invest its a big thing for people to put their money somewhere and watch it go up. a lot of people use stocks to focus on their investing and its the corner stone for retirement. Their is such a diverse collection in stocks its outstanding. so many companies have stocks and smaller companies tend to have penny stocks which are usually under a dollar and if you invest a good amount into them theirs a chance they could skyrocket and make you a lot compared to buying a bigger stock and the prices dropping.

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More info

The investment landscape can be confusing to navigate. You may hear friends, family or investment professionals throw around terms like stocks, bonds and mutual funds without knowing exactly what each means and the differences between them.

Most people are familiar with savings accounts at banks, but in order to save for retirement and other financial goals it's important to understand how the most popular types of investments like stocks, bonds and mutual funds differ.

Here's a guide to the basics and which ones might make sense for your portfolio.

Stocks

Also called equities, stocks are the cornerstone to most retirement accounts because they've boasted higher returns than many other investments, clipping along at about 10 percent a year over the long term.

That said, stocks come in many different flavors. They represent all industries, with some based in the U.S. and others overseas. Stocks also come in all sizes: There are large-cap, mid-cap and small-cap stocks. The term "cap" is short for "market capitalization," which is computed by multiplying share price by the number of a company's outstanding shares.

What does that mean?

"Large-cap stocks tend to be companies that are more established," says Brett Horowitz, a wealth manager at Evensky & Katz/Foldes Financial Wealth Management. "Small companies tend to have more risk, and the extra risk you're taking on leads to higher return," Horowitz adds.

According to Ibbotson Associates, small caps have grown by an average 12 percent annually over the long term. The annual 2 percentage point lead over large caps compensated investors for the extra risk they'd assumed.

Bonds

When you buy a bond, you're essentially becoming a lender, since bonds are really nothing more than an IOU that's been issued by a government or corporation.

In general, bonds are considered safer investments than stocks. But that's not always true. It depends on the bond you buy. The riskier the bond - that is, the lower a borrower's credit quality or "rating" - the higher the interest rate and the more you stand to gain, unless, of course, the borrower defaults. Firms such as Standard & Poor's and Moody's are among agencies that determine whether bonds are "junk" status, meaning they carry high risk, or "investment grade," meaning they carry little to moderate risk.

U.S. government bonds are guaranteed by the full faith and credit of the federal government, so they're considered the safest around. They mature - or come due - in various time periods. Treasury bills generally mature in three months while Treasury notes typically mature within a year. Treasury bonds mature over longer time frames, usually between five and 30 years. With interest rates close to record lows, bonds aren't likely to generate the returns most people need to retire in their early 60s at this time.

Local and state governments also issue bonds. Not all are guaranteed, but they're considered relatively safe investments, depending on a government's creditworthiness. That said, municipal bonds have a distinct advantage: Income is generally exempt from federal taxes and sometimes free from state taxes, too.

Mutual funds

Think of these as baskets that may contain bonds, stocks and cash equivalents. With thousands to choose from, mutual funds come in a variety of styles. They may hold a single type of asset, such as only domestic large-cap stocks, or a blend of investments, such as a balanced fund with a mix of stocks and bonds.

Some funds are more risky, others less so, depending on what they're invested in. Index funds are geared to mimic certain indexes (such as the Standard & Poor's 500) and they tend to be more tax-efficient and less costly than, say, actively managed funds, which also may have sales charges and other expenses.

Mutual funds enable investors to buy a multitude of assets relatively cheaply. Instead of spending $1,000 for shares of a single company, you could spend the same amount on a fund that holds the same company plus many others. That's a cheap way to diversify your assets and protect yourself from the risk of holding a single stock.

If you don't have the time or expertise to monitor various investments, then putting money into a mutual fund can be a safer, more practical way to invest.

Which is the best investment for you?

Determining which of these options is best for you will depend on your time horizon and risk tolerance. Stocks, either individually or through mutual funds, are best for long-term goals that are at least five or more years down the road. This long-term view is necessary because of the additional risks associated with owning stocks. If you suffer a short-term decline, there's still time to recover before you reach your goal.

Bonds are often best for short-term goals or for investors who are particularly risk averse. Owning bonds or other fixed-income securities can help you save for near-term goals like a down payment on a house or a car. You won't earn the same return that's possible with stocks, but you'll be confident the money will be there when you need it.

Mutual funds, which may own stocks, bonds, cash or a combination of securities, are a great way for investors to build diversified portfolios at a low cost. Some investors may enjoy building a portfolio one stock at a time, but for most people owning a mutual fund or a top exchange-traded fund (ETF) is an approach that usually makes the most sense.

Learn more:

Editorial Disclaimer: All investors are advised to conduct their own independent research into investment strategies before making an investment decision. In addition, investors are advised that past investment product performance is no guarantee of future price appreciation.

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Bonds, Stocks And Mutual Funds: Key Differences | Bankrate

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More info The investment landscape can be confusing to navigate. You may hear friends, family or investment professionals throw around terms like stocks, bonds and mutual funds without knowing exactly what each means and the differences between them.

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This website helps us understand mutual funds at a deeper level, I really do like mutual funds because you actually don't have to do anything with it, its Definity not the safest of methods but 100% does the job when you want to make passive income. the thing about mutual funds is that you are putting money into the bank kind of like a savings account but while that money is sitting there. A banker is taking that money and putting it into stocks and doing day trades with that money to make you more money as well. obviously they have to take a bit of this cash for their time but overall you are making money without even having to raise a finger and they are completing this trades on a daily basis.

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Okay the Dividend Snowball Effect. Yes i know this is a lot of information to take in but work with me here. So when it comes to dividends they are one of best ways to make passive income yes passive income everyone loves the sound of making money without having to do a thing. Stocks you can buy a stock and you can have a company stock that pays dividend these dividends happen 4 times a year so quarterly, you're paid by the company for owning a share/ piece of it. The longer you hold onto those stocks and the more the company you invested into thrives the more many they will pay out to their share holders, so basically the more money they make the more money they will give too you hoping that you will invest more into their company.

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The Power of Dividend Investing | The Snowball Effect

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1. What did you learn about your topic that surprised you?

Honestly just how much information really goes into investments , i came in here knowing a lot of information but having to write it down just showed me how there really is.

2. Real life example is just that i trade stocks and i get too see how much the stock market changes on a daily basis and how much time mutual funds takes but grows overtime.

3. The thing that i would pass onto a family member/ friend would be that no matter what if your stock goes down or your mutual funds are looking low. its that it will go back up it just takes time.

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The Bank Of Canada's main focus when it comes to investments is focusing on keeping everything low, their whole objective is too have inflation control and make sure we have a flexible exchange rate those are two big very things when it comes to investments and money in general. they wanna make sure we're keeping inflation low and stable. an important fact is that bank and federal government renewed the Monetary Policy Framework until December 31 2026, so for us that in one year and once that happens a lot can change just off of the paperwork. Monetary policy actions take a lot of time to work there way to full effect it tends to have changes and target the overnight rate. The good thing is the monetary policy has tools it can use when we get too very low levels.

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The Bank of Canada today published a report summarizing the feedback it has received to date about a potential digital Canadian dollar.

Executive Director of Supervision Ron Morrow discusses the creation and coming into force of a new supervision regime to oversee retail payments.

The Bank of Canada has announced the five finalist teams in the 2023-24 edition of The Governor's Challenge, a competition where university students simulate the role of advisor to the Bank's Governing Council.

Governor Tiff Macklem outlines how high inflation is hurting Canadians and how monetary policy is working to bring it down. He also explains why the Bank of Canada must stay the course in its inflation fight.

Senior Deputy Governor Carolyn Rogers talks about why interest rates could settle at a higher level than Canadians are used to and why preparing early for that possible outcome is important.

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The Bank of Canada is the nation's central bank. We are not a commercial bank and do not offer banking services to the public. Rather, we have responsibilities for Canada's monetary policy, bank notes, financial system, and funds management. Our principal role, as defined in the Bank of Canada Act, is "to promote the economic and financial welfare of Canada."

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When it comes down to investing their wasn't many options. Most videos are just focused on one of my three investments and not all. i liked that Professor Dave went into how all three of my investments work and each of their benefits. It definitely takes time to understand investments, I wouldn't expect someone to figure out about it and just understand it instantly, something like this takes a lot of time and patience. with stocks you could be up $20 one day and the next its down $30. But after time it always goes back up.

In the video he also had a small description about each thing that explained what it was and i think it would be good to have it here to provide more information

Stock: Is a Representation Ownership In A Company

Bonds: Are An IOU By A Company Or Some Level Of Government

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The Basics of Investing (Stocks, Bonds, Mutual Funds, and Types of Interest)

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I chose this image because it's quick and to the point on exactly what each type of investment is not many images had a good description or a description at all. But i feel like this one would help a new beginner understand a lot better.

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Welcome!. You will be learning about investments. The three types of investments are Stocks, Bonds and Mutual Funds. there will be a website, videos and images all to help you grow and understand investing.

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The reason I chose this website is because, I really like the overview of each topic of the investments that they go into. For this website they have everything broken down

1. What is a Stock

2. What Is A Bond

3. Stock Vs Bond

4. Mutual Funds

5. Key Takeaways

I enjoy this setup so much because it really goes into dept about what I'm talking about in this presentation.

People tend to compare stocks and bonds a lot and ask the question which one is better?. Bonds are called the safer option and that's because when it comes to a short time investment you're less likely to lose many than when investing into stocks. But with stocks their is a lot more potential for high returns

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Stocks, bonds, and mutual funds are well known and powerful components of a diversified portfolio. To achieve desired returns to accomplish goals, it is