https://padlet.com/mitchell_messer/q4xd48qd9fsv en-us 2018-06-08 20:48:55 UTC 2025-09-25 13:24:14 UTC hello@padlet.com mitchell_messer https://padlet.com/mitchell_messer/q4xd48qd9fsv/wish/267522933 The book says, " One way to minimize the risk of investing money is to diversify – spreading your money across different investments means the likelihood of losing all your capital is significantly decreased" (Finance 12). So, when you diversify your assets, you put some money into different kinds of investments that go in various directions, that way you never lose everything, and even if you do lose some, your other investments will be able to offset that loss. However, as the book states, "The goal of diversification is not to boost performance—it won’t ensure gains or guarantee against losses" (Finance 12). Diversification does not guarantee the safety and prosperity of your investments, rather it decreases the likelihood of loss. Diversification of assets also helps you to sort of customize the risks of your investments. The book says, " Regardless of your time horizon, you should only take on a level of risk with which you’re comfortable" (Finance 13). You can use investments from each tier to make your portfolio as risky or secure as you want.

]]> 2018-06-17 21:50:53 UTC https://padlet.com/mitchell_messer/q4xd48qd9fsv/wish/267522933 mitchell_messer https://padlet.com/mitchell_messer/q4xd48qd9fsv/wish/267523725 I would want to keep my portfolio relatively balanced. So, I would try to have investments on each tier to keep the payoff high but also have secure investments in the event that a riskier investment fails. To start, I would invest some money into Citigroup. The price for this stock isn't super expensive, around $66 per share, so I could buy a fair amount of them. Also, it is currently beginning a rising trend after a brief recession. In the past, its recessions have been followed by periods of growth, so hopefully it will do the same again. Next, I would buy some treasury bonds, as these are more secure. They are also a long term investments, and since I am still young, I have time to make these longer investments and wait for them to mature. Finally, I would invest a large portion into a savings account, which would be insured, but would earn interest at a small rate. I will always know I will have this money if my other riskier investments fall through.

]]> 2018-06-17 22:01:49 UTC https://padlet.com/mitchell_messer/q4xd48qd9fsv/wish/267523725