\ Money Talks - Stocks or Bonds?
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Money Talks - Stocks or Bonds?

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Money Talks - Stocks or Bonds?

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Money Talks - Stocks or Bonds?
http://chic.clipsyndicate.com/video/playlist/12942/7040787?cpt=8&wpid=2637 Fri, 11 Aug 2017 10:21:47 +0000 Money Talks - Stocks or Bonds? Money Talks - Stocks or Bonds? http://chic.clipsyndicate.com/video/playlist/12942/7040787?cpt=8&wpid=2637 WVLA with all the talk of a rallying stock market some of you might be looking into making some investments. so what do you invest in? stocks or bonds?that's the topic of this week's money talks. welcome to this weeks edition on money talks.. i'm fred childers and i'm joined by chad olivier -- he is a certified financial planner. thanks for being here chad! well.. let's talk about the stock market. it has been doing really great latley.. i think it's even broken some records. like cd's and bonds. thanks fred just before i came here a friend of mine kato said.. hey.. he said chad stock market is up should we uh... go more into the stock 3 market? ehh... it all depends. you gotta be diversified. and those fixed investments. um keep in mind those mixed investments are giving you a different side of the market that you are on a fixed income, on a bond side not on the stock side, so if you look at a cd.. a cd is you are loning the bank money and the bank is gonna give you interest and your money back at a certain period of time. in the stock market you are investing in a company with the intentions of those comanys to increase in values with some type of a dividend. a little bit of a gamble. its a.. its a little bit different, so you need to make sure that you're extremely diversified and especially if.. there are a lot of times people may need the money in the short term.. they may need the money in a year or two. and they'll invest more money into the stock market and not into mixed investments.. then all of the suddon you have that correction.. 10 to 15% down and then they need the money that's where they get in trouble.. so mixed investments could sort of be seen as an anchor to the boat? exactly. yeah okay... so how do you know how much of these investments to have in a portfolio? um... when you look at a financial plan you have to look at your liquid investments meaning that the investments that.. a ... you can really get to on a pretty easy basis. you know, that's gonna be your safety money. so you gotta have a good amount in that a lot of time we say.. 3 to 6 months of your investments should be some type of liquid investments and that could be a short term cd or a money market.. not getting much interest but it's there to get to it if you really need it. and then you need to look at your um... that number that you're trying to get.. the family index number and kind of work backwards from that, so if you are supposed to be getting a four to five % return you don't need 100 % in the actual stock market to go with the ups and downs. generally, what is a family index? family index number is.. when you do your finanial plan and you say i want to retire at this age, uh.. this many years away.. this is how much money i'm putting into our accounts.. it's a return that you have to get in order to make that possible. is basically what that is. so everybody has their own family index number which is that particular number you kinda need to earn. so sometimes it's 3%.. sometimes it's 5%. if it's 12% that doesn't make a lot of sence you need to be paying more money to your accounts. so the stock market is doing great but you still need to be careful and watch those investments be diversified.. thanks chad! that does for this week's edition of money talks. for chad olivier, i'm fred childers stay with us -- we'll be right back! 3




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