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A stock is a share of ownership in a single company. Stocks are also known as equities. Stocks are purchased for a share price, which can range from the single digits to a couple thousand dollars, depending on the company. We recommend purchasing stocks through mutual funds, which we'll detail below. A bond is essentially a loan to a company or government entity, which agrees to pay you back in a certain number of years.

In the meantime, you get interest. But bonds earn lower long-term returns, so they should make up only a small part of a long-term investment portfolio. A mutual fund is a mix of investments packaged together. Mutual funds allow investors to skip the work of picking individual stocks and bonds, and instead purchase a diverse collection in one transaction. The inherent diversification of mutual funds makes them generally less risky than individual stocks. By eliminating the professional management, index funds are able to charge lower fees than actively managed mutual funds.

Like a mutual fund, an ETF holds many individual investments bundled together. The difference is that ETFs trade throughout the day like a stock, and are purchased for a share price. An ETF's share price is often lower than the minimum investment requirement of a mutual fund, which makes ETFs a good option for new investors or small budgets.

Your investment strategy depends on your saving goals, how much money you need to reach them and your time horizon. If your savings goal is more than 20 years away like retirement , almost all of your money can be in stocks. But picking specific stocks can be complicated and time consuming, so for most people, the best way to invest in stocks is through low-cost stock mutual funds, index funds or ETFs. We outline the best options for short-term savings here.

If you can't or don't want to decide, you can open an investment account including an IRA through a robo-advisor, an investment management service that uses computer algorithms to build and look after your investment portfolio. Robo-advisors largely build their portfolios out of low-cost ETFs and index funds. Because they offer low costs and low or no minimums, robos let you get started quickly.

They charge a small fee for portfolio management, generally around 0. Steps Get started investing as early as possible. Decide how much to invest. Open an investment account. Understand your investment options. Pick an investment strategy. Show More. Get started investing as early as possible.

NerdWallet's ratings are determined by our editorial team. The scoring formula for online brokers and robo-advisors takes into account over 15 factors, including account fees and minimums, investment choices, customer support and mobile app capabilities. Learn More. Fees 0. Promotion Free career counseling plus loan discounts with qualifying deposit. Promotion Up to 1 year of free management with a qualifying deposit. Are you in Canada?

Visit NerdWallet Canada. Mutual funds. Exchange-traded funds. Bonds are issued by governments and corporations when they want to raise money. By buying a bond, you're giving the issuer a loan, and they agree to pay you back the face value of the loan on a specific date, and to pay you periodic interest payments along the way, usually twice a year. Unlike stocks , bonds issued by companies give you no ownership rights.

So you don't necessarily benefit from the company's growth, but you won't see as much impact when the company isn't doing as well, either— as long as it still has the resources to stay current on its loans. Bonds, then, give you 2 potential benefits when you hold them as part of your portfolio : They give you a stream of income, and they offset some of the volatility you might see from owning stocks.

Calculate the income for a hypothetical investment based on a specific yield. Income you can receive by investing in bonds or cash investments. The investment's interest rate is specified when it's issued. Usually refers to common stock, which is an investment that represents part ownership in a corporation. Each share of stock is a proportional stake in the corporation's assets and profits. A place where investors buy and sell to each other rather than buying directly from a security's issuer.

Most stock and bond trading happens on the secondary market. If you buy a bond, you can simply collect the interest payments while waiting for the bond to reach maturity—the date the issuer has agreed to pay back the bond's face value. However, you can also buy and sell bonds on the secondary market.

After bonds are initially issued, their worth will fluctuate like a stock's would. If you're holding the bond to maturity, the fluctuations won't matter—your interest payments and face value won't change. But if you buy and sell bonds, you'll need to keep in mind that the price you'll pay or receive is no longer the face value of the bond. The bond's susceptibility to changes in value is an important consideration when choosing your bonds. The language of bonds can be a little confusing, and the terms that are important to know will depend on whether you're buying bonds when they're issued and holding them to maturity, or buying and selling them on the secondary market.

Coupon: This is the interest rate paid by the bond. In most cases, it won't change after the bond is issued. Yield: This is a measure of interest that takes into account the bond's fluctuating changes in value. There are different ways to measure yield, but the simplest is the coupon of the bond divided by the current price. Face value: This is the amount the bond is worth when it's issued, also known as "par" value. Price: This is the amount the bond would currently cost on the secondary market.

Several factors play into a bond's current price, but one of the biggest is how favorable its coupon is compared with other similar bonds. As with any other kind of loan—like a mortgage—changes in overall interest rates will have more of an effect on bonds with longer maturities.

Because bonds with longer maturities have a greater level of risk due to changes in interest rates, they generally offer higher yields so they're more attractive to potential buyers. The relationship between maturity and yields is called the yield curve. Usually refers to investment risk, which is a measure of how likely it is that you could lose money in an investment.

However, there are other types of risk when it comes to investing. This hypothetical illustration represents a sample yield curve. It doesn't represent any particular investment. This graph shows a sample "normal" yield curve. Bonds usually offer increasingly higher yields as their maturities get longer. Bond duration, like maturity, is measured in years.

It's the outcome of a complex calculation that includes the bond's present value, yield, coupon, and other features. It's the best way to assess a bond's sensitivity to interest rate changes—bonds with longer durations are more sensitive.

In most cases, a bond's coupon is set when it's issued, and the rate won't change. So how can volatility in the marketplace affect existing bonds? Find out more about bond markets. The degree to which the value of an investment or an entire market fluctuates.

The greater the volatility, the greater the difference between the investment's or market's high and low prices and the faster those fluctuations occur. Unlike with stocks, there are organizations that rate the quality of each bond by assigning a credit rating, so you know how likely it is that you'll get your expected payments. Just as with a car loan or a mortgage, the better the borrower's credit rating, the lower the yield.

If the rating is low—"below investment grade"—the bond may have a high yield but it will also have a risk level more like a stock. On the other hand, if the bond's rating is very high, you can be relatively certain you'll receive the promised payments. They have similar ratings systems, which are based on the issuer's current financial and credit histories.

A bond's credit quality is usually determined by independent bond rating agencies, such as Moody's Investors Service, Inc. These agencies classify bonds into 2 basic categories—investment-grade and below-investment-grade—and provide detailed ratings within each.

Companies can issue bonds, but most bonds are issued by governments. Because governments are generally stable and can raise taxes if needed to cover debt payments, these bonds are typically higher-quality, although there are exceptions.

You'll have to pay federal income tax on interest from these bonds, but the interest is generally exempt from state tax. Because they're so safe, yields are generally the lowest available, and payments may not keep pace with inflation.

Treasuries are extremely liquid. Take a closer look Do you need income that fluctuates with inflation? Learn more about our TIPS funds. Read more about Treasury securities. Some agencies of the U. Most agency bonds are taxable at the federal and state level.

These bonds are typically high-quality and very liquid, although yields may not keep pace with inflation. Some agency bonds are fully backed by the U. Because mortgages can be refinanced, bonds that are backed by agencies like GNMA are especially susceptible to changes in interest rates. The families holding these mortgages may refinance and pay off the original loans either faster or slower than average depending on which is more advantageous.

If interest rates rise, fewer people will refinance and you or the fund you're investing in will have less money coming in that can be reinvested at the higher rate. If interest rates fall, refinancing will accelerate and you'll be forced to reinvest the money at a lower rate.

Read more about agency bonds. Read more about GNMA bonds. These bonds also called "munis" or "muni bonds" are issued by states and other municipalities. They're generally safe because the issuer has the ability to raise money through taxes—but they're not as safe as U.

Interest from these bonds is free from federal income tax, as well as state tax in the state in which it's issued. Because of the favorable tax treatment, yields are generally lower than those of bonds that are federally taxable. Read more about municipal bonds.

These bonds are issued by companies, and their credit risk ranges over the whole spectrum. Interest from these bonds is taxable at both the federal and state levels. Because these bonds aren't quite as safe as government bonds, their yields are generally higher. Read more about corporate bonds. A measure of how quickly and easily an investment can be sold at a fair price and converted to cash.

Bonds can also be divided based on whether their issuers are inside or outside the United States.

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In addition, an accredited investor is an individual who has certain professional certifications, designations, or credentials. The individual should be a knowledgeable employee9 of a private fund. Lastly, they must be SEC and state-registered investment advisers.

It is important to note that the income calculation must follow the same format for the two or three years required by SEC. That is to say, the individual either has to calculate yearly income individually or with a spouse, but not both. The requirements for accreditation enable the investment owner to have sufficient knowledge to understand investments to prevent monetary loss.

These are some of the reasons a governmental body like SEC qualifies investors through accreditation. In order to become an accredited investor, you have to pass certain tests. Recently, SEC allows an individual to pass one of these tests. They include Income, net worth, professional certifications, and knowledgeable employees of private funds. This excludes the value of their primary residence.

Similarly, the investor can also become accredited with their spouse. Another way individuals can become accredited investors is by having certain professional certificates and credentials that are accredited by the appropriate educational institutions. Knowledgeable employees are executive officers, directors, trustees, general partners, or a person that serves in a capacity of a private fund or an affiliate management person.

Also, they can be employees of a private fund or an affiliate management person of a private fund who participates in the investment activities of a private fund or investment company for at least 12 months. With the right knowledge and professional certification, investors can become accredited to carry out investments for others. In , Congress began allowing registered brokers and investment advisers to qualify as accredited investors. As a result, SEC amended the definition of an accredited investor this written below.

Typically, these people can as well qualify. Before you can be given the accreditation status, expect to provide any of this information to ascertain if you are legal;. However, you can include vacation and investment properties. But, you must submit proof of ownership and proper valuation. After submitting your documents, the firm will review it.

They will then accept or reject your accredited investor status. If approved, your accreditation is valid for one year or until the next tax day if you verify via income. You will then be able to invest. Read: How to Become a Journalist in Australia According to Rule of Regulation D of the U. Noteworthy is the fact that since , many provinces in Canada allow non-accredited investors to invest in private markets but under a specified limit.

Accredited investors have access to additional types of investments, such as hedge funds, private equity, private placements, venture capital, real estate crowdfunding, limited partnerships, and others. Also, accredited investors have sizeable income and assets that allow them to invest a portion of their portfolios in securities that could provide substantially higher returns than traditional investments.

People who have high incomes and portfolios have more access to networks with high-profile people. This network can lead to more business, and investing opportunities. There are also disadvantages and drawbacks of becoming an accredited investor and these should be considered as well. Many companies decide to offer securities to this class of accredited investors directly. Because this decision allows companies exemption from registering securities with the SEC, it can save them a lot of money.

This type of share offering is referred to as a private placement. It has the potential to present these accredited investors with a great deal of risk. Therefore authorities need to ensure that they are financially stable, experienced, and knowledgeable about their risky ventures. When companies decide to offer their shares to accredited investors, the role of regulatory authorities is limited to verifying or offering the necessary guidelines for setting benchmarks to determine who qualifies as an accredited investor.

Regulatory authorities help determine if the applicant possesses the necessary financial means and knowledge to take the risks involved in investing in unregistered securities. Accredited investors also have privileged access to venture capital , hedge funds , angel investments , and deals involving complex and higher-risk investments and instruments.

The regulations for accredited investors vary from one jurisdiction to the other and are often defined by a local market regulator or a competent authority. An individual must have earned income above the thresholds either alone or with a spouse over the last two years. The income test cannot be satisfied by showing one year of an individual's income and the next two years of joint income with a spouse. The SEC also considers a person to be an accredited investor if they are a general partner , executive officer, or director for the company that is issuing the unregistered securities.

Also, if an entity consists of equity owners who are accredited investors, the entity itself is an accredited investor. However, an organization cannot be formed with the sole purpose of purchasing specific securities. If a person can demonstrate sufficient education or job experience showing their professional knowledge of unregistered securities, they too can qualify to be considered an accredited investor.

In , the U. Congress modified the definition of an accredited investor to include registered brokers and investment advisors. On Aug. Securities and Exchange Commission amended the definition of an accredited investor. According to the SEC's press release, "the amendments allow investors to qualify as accredited investors based on defined measures of professional knowledge, experience or certifications in addition to the existing tests for income or net worth.

The amendments also expand the list of entities that may qualify as accredited investors, including by allowing any entity that meets an investments test to qualify. Any regulatory authority of a market is tasked with both promoting investment and safeguarding investors. On one hand, regulators have a vested interest in promoting investments in risky ventures and entrepreneurial activities because they have the potential to emerge as multi-baggers in the future.

Such initiatives are risky, may be focused on concept-only research and development activities without any marketable product, and may have a high chance of failure. If these ventures are successful, they offer a big return to their investors. However, they also have a high probability of failure. On the other hand, regulators need to protect less-knowledgeable, individual investors who may not have the financial cushion to absorb high losses or understand the risks associated with their investments.

Therefore, the provision of accredited investors allows access for both investors who are financially well-equipped, as well as investors who are knowledgeable and experienced. There is no formal process for becoming an accredited investor.

Rather, it is the responsibility of the sellers of such securities to take a number of different steps in order to verify the status of entities or individuals who wish to be treated as accredited investors. Individuals or parties who want to be accredited investors can approach the issuer of the unregistered securities. The issuer may ask the applicant to respond to a questionnaire to determine if the applicant qualifies as an accredited investor.

The questionnaire may require various attachments: account information, financial statements , and a balance sheet to verify the qualification. The list of attachments can extend to tax returns , W-2 forms, salary slips, and even letters from reviews by CPAs , tax attorneys, investment brokers , or advisors.

While this individual fails the income test, they are an accredited investor according to the test on net worth, which cannot include the value of an individual's primary residence. Net worth is calculated as assets minus liabilities. Since they meet the net worth requirement, they qualify to be an accredited investor. Under certain circumstances, an accredited investor designation may be assigned to a firm's directors, executive officers, or general partners if that firm is the issuer of the securities being offered or sold.

In some instances, a financial professional holding a FINRA Series 7, 62, or 65 can also act as an accredited investor. Under federal securities laws, only those who are accredited investors may participate in certain securities offerings. These may include shares in private placements, structured products, and private equity or hedge funds, among others.

One reason these offerings are limited to accredited investors is to ensure that all participating investors are financially sophisticated and able to fend for themselves or sustain bouts of volatility or the risk of large losses, thus rendering unnecessary the regulatory protections that come from a registered offering. Securities and Exchange Commission.

Electronic Code of Federal Regulations.

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