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Credit unions

usually pay the highest rates of interest . They are not-for-profit organizations

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Risk and Return

The higher the risk, the higher the potential return of any money you invest. The lower the risk, the lower the potential return.

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Municipal Bonds

Are Issued by a state,and are tax exempt.

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Rate of Return

The ration of the money you gain on an investment in relation to the amount of money that was invested.

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Mutual Fund

An investment that pools the money of many shareholders and invests it in a diversified portfolio of securities, such as stocks, bonds, and money market assets

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capital gains

Money that is made ( a profit) by selling an asset like a home or stocks

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interest rates,inflation

what affects the prices of bonds and stocks

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Certificates of Deposit "CD"

You must invest a certain amount, have to pay taxes on interest earned, and have to pay a penalty for early withdrawal.The longer the term, the higher the interest rate

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Series EE bonds

Issued or sold at half its face value and The government guarantees their value will double. Example you pay $50 for a $100 bond, when it matures in 20 years or so it will be worth $100

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Bonds

A debt investment in which an investor loans money to an entity (corporate or governmental) that borrows the funds for a defined period of time at a fixed interest rate.

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Treasury bills

certificates issued by the U.S. Treasury "Secure and low risk" back by Government. minimum of $1000 and maturing in a few days up to 26 weeks. Key Words:

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A long-term, fixed rate certificate of deposit

Lamar believes that interest rates are going to fall in the near future and remain low for a considerable period of time. She should invest in:

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municipal

All __________"state"bonds are considered tax exempt and are not taxable.

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fixed-income security

a security promising a fixed rate of interest or dividends. Examples Bonds, CD

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penalty

certificates of deposit have to pay a ________for early withdrawal.