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Explore your options for smart investing —Find the right solution based on your goals, risk comfort, and time horizon.

Before choosing an investment, it’s important to understand what you’re buying and how it fits into your financial goals. Good investment decisions come from clarity — clarity about risk, returns, liquidity, costs, and your personal time horizon.

Start by assessing these six investment foundations:

Financial Goals
risk tolerance
time horizon
liquidity needs
investment knowledge
tax impact

BABY STEPS TOWARDS FINANCIAL CONFIDENCE

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Financial Goals

Define your destination: Are you saving for a down payment, funding a child’s education, or building a retirement nest egg? Knowing exactly what you are saving for dictates which investment vehicle will get you there.

risk tolerance

Find your comfort zone: How much market fluctuation can you sleep through at night? High-growth investments often come with higher volatility, so it is crucial to balance the desire for returns with your emotional ability to handle temporary dips.

Time Horizon

Set your timeline: When do you actually need to use this money? If you need the cash in 2 years, you should invest very differently than if you need it in 20 years. A longer timeline generally allows you to recover from market corrections.

Liquidity Needs

Access to cash: How quickly might you need to convert this investment back into spendable cash? Some investments (like stocks) sell instantly, while others (like real estate or CDs) may lock your money away for set periods.

Investment Knowledge

Hands-on vs. Hands-off: Do you love analyzing charts and managing your own portfolio, or do you prefer a ‘set it and forget it’ approach? Be honest about how much time and expertise you want to dedicate to managing your accounts.

Tax impact

Keep more of what you earn: Different accounts are taxed differently. Are you looking for tax-free growth (like a Roth IRA), tax-deferred savings (like a 401k), or a standard brokerage account where you can access funds anytime but pay capital gains?