Invest my money!?

i want to start investing my money. what would be the best thing for me to invest 1,000 on? i have no clue on where 2 invest it?

Look for sectors that traditionally do well in a recession. The market is down and that is a good time to buy but it may fall further. If you do not realize your meny is at risk for total loss i stocks you should buy something like government bonds. There will be other MCI World Coms and Enrons as well as Bear Stearns.

Look at Apple, off a bunch and it has been said it should do well in a recession. There are many more. An old saw says booze does good in poor economies. Everybody needs food. There is another investment stragey that says buy the dogs of the DOW. The ones that faired poorly last year should see their day again.

FDIC insured bank account/CD.

Roth IRA, Vanguard Total Stock Market Index Fund. Do not touch it, just keep adding to it.

It really depends upon what your investment objectives are. When you feel you might need these funds and what your risk tolerance is. Your Financial Services rep should assess your needs and your risk tolerance prior to making any investment. CDS are good for preservation of principal. Bonds will pay higher interest but also have higher risk. Corporate bonds have a higher risk of default. Governemnt bonds are good for preservation of principal too. Mutual funds can earn a higher return and pay capital gains too. You first have to determine your risk profile and when you might feel you will need to access these funds.

well it depends on alot of things really. what are your goals? when would you like your money back? would you like to invest for retirement or for a few years down the road? also, what is your income, etc....

if you are looking for something to start your retirement, then i suggest and IRA. main downfall being that i believe you have to wait till your 60 before you can take money out...at least without a penalty. but hey, if thats what floats your boat, go for it.

If you're looking for something within 1 year, i suggest investing in CD's. there are several options here. you can buy a 3month, 6month, and 1 year CD. the going rate for each one is about the same rate around 3.4%-3.7%
these are great if you're not really sure what to invest in, but yet want something or somewhere to put your money without too much worrying about it.

another option would be bonds. preferably mutual funds over idividual stocks. im not aware about your knowledge in stocks, but mutual funds are great because your money isnt going into one bin. you'd be investing in several bins. usually low risk b/c if one area of investment does really poor, and the other does really well, then they even each other out. which is a pretty lame way to say it, but i think its gets the point across. so if all investments are doing well, then you're doing really well. simple as that.

what i would probably do right now is invest in either CD's or mutual funds. I'd buy the CD's, and keep saving money and investing in the mutual funds. once you get up to at LEAST $3,000, then you can do alot more. Like investing in the S&P 500, which would be great for long term goals.
if you can, try to put away $200 dollars a month into your CD's or mutual funds. if you cant swing that, then do what you can, b/c ever dollar counts. even if its only $20-$50 a month.

try your best not to take money out of your CD's before they mature or there will usually be a pretty hefty penalty, which sucks. same with the IRA if you so choose to go that route. hope this helps. have a good one

Todd

Your first option, should be to open a retirement account. This is always a good investment, regardless
of who you are.

If you have fully funded your retirement account and would like other options, you should consider a DRIP Plan.

They are seldom recommended by brokers due to the low rate of commissions received. However, these
reinvestment plans can be very powerful long-term investments. Studies have shown that DRIP's are one of
the best strategies on Wall Street.

They are inexpensive and easy to start. New investors to the stock market should definitely consider a DRIP Plan.

Companies like Toyota, Royal Canadian Bank, Sony, Bank of America, General Electric and many other Blue Chip
Stocks can be purchased through your DRIP Plan, with as little as 1 share in most cases.

These long-term plans are great for beginners as well as veterans. Check them out.

Best of Luck

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