=============================================
SMART MONEY STRATEGIES FOR EVERY AGE AND SITUATION
Your 20s and 30s—Establishing Your Financial Foundation

Section 2 of 11:
INVESTING:
What Should You Be Doing to Increase Your Wealth?
=============================================

If you’ve never invested in stocks or have only limited experience
with them, you might be harboring a COMMON MISPERCEPTION
of the stock market: It’s a dangerous, volatile place where
thousands of sophisticated professional traders and brokers lurk to
steal your hard-earned money.

The reality is there are millions of small investors like you who have
been able to finance their dreams by successfully buying and
holding for years shares of profitable companies and of mutual
funds that buy such shares.

This report will help you learn how to micro-manage your funds so
that your money multiplies itself. Each section contains useful tips,
techniques and action strategies you can implement right away.

Read on and reap the financial rewards!

Jordan E. Goodman
America’s Money Answers Man
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

INVESTING:
What Should You Be Doing to Increase Your Wealth?

Start to assemble a portfolio of stocks, bonds, and mutual funds as
early as you can afford to save. Aim to set aside as much as 10
percent of your after-tax income. If you don’t have much capital,
mutual funds probably make more sense than individual stocks or
bonds. Funds require minimum initial investments of only $250 to
$1,000 and offer diversification.

One easy way to invest in funds is to enroll in an automatic
investment program in which a mutual fund group deducts a set
amount, such as $100 a month, from your checking account and
deposits it in whatever fund you choose. Several fund groups even
waive their minimum initial investments if you commit to an
automatic investing plan.

Favor stock funds over bond funds because stock funds have much
more growth potential over the long haul than bond funds. You
might allocate 70 to 80 percent of your savings to equity funds,
with a high proportion of that money in aggressive growth, growth,
and international funds, which will probably provide the highest
long-term returns. Bonds pay regular income, but that is probably
not as important in this stage of life as growth of capital.

Unless you have a great deal of extra money and time to learn,
avoid speculating in futures, options, gold, and collectibles while in
your 20s and 30s.

Also, establish a good relationship with a bank. If you can build up
enough money in checking and savings accounts to meet minimum
requirements, you can save hundreds of dollars in monthly account
and per-check fees.

In addition, keep an emergency reserve fund in a bank or money-
market mutual fund of at least three months’ living expenses in
case you get laid off, suffer a medical emergency, have a large car
repair bill, or incur some other unforeseen expense.

****************************************************

HOW TO REAP THE REWARDS YOU DESERVE!

Starting Now . . .

Use the following Resources, Action Steps and Extra Info to take
the next step toward your solid financial future.

^^^^^^^^^^^^^^^^^^^^^^^^^
RESOURCE | RESOURCE | RESOURCE
^^^^^^^^^^^^^^^^^^^^^^^^^

Everyone’s Money Book on Stocks, Bonds and Mutual Funds
by Jordan E. Goodman

Understanding the vehicles for investment and changing markets can give you the edge when choosing smart strategies in changing times. Everyone’s Money Book on Stocks, Bonds and Mutual Funds will help you make sound decisions regardless of market movement…..

www.moneyanswers.com/bookstore/