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Personal Finance Concepts - Essay Example

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Personal Finance Concepts

The most important asset classes are stocks, bonds, and cash. Because these investments perform differently depending on economic conditions, a good balance can keep a portfolio strong in a wide range of economic situations. In this sense, asset allocation may be the most important form of diversification.
As my goal is to accumulate funds for retirement, growth of investments is of high importance and the time horizon is long, I may take on more risk by investing more in stocks with potential for higher returns.
NBC Capital Corp. is a holding company for subsidiaries providing a range of financial services, including banking, trust services, mortgage services, insurance and investment products in east Mississippi and Tuscaloosa, AL. As of Mar. 31, 2004, total assets were $1.1 billion, total deposits were $832 million and stockholders' equity was $114 million.
There are three basic types of bond funds: treasury bond funds, municipal bond funds, and corporate bond funds. The returns of these bond funds differ according to the amount of risk inherent in each fund.
Treasury Bonds - have a maturity exceeding 10 years and the Treasury issued them in denominations ranging from $1,000 to $1 million. The U.S. ...Show more

Summary

Before making final decisions about investing it is crucial to consider investing goals, risk tolerance, and time horizons. As for me, my financial goal is to increase my sources of retirement income. I would classify myself in terms of risk taking as an aggressive investor who emphasizes return on investment over preserving principal…
Author : marcos62
Personal Finance Concepts essay example
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