twitterfacebookgooglerss

Stocks or Savings in Today’s Financial Climate? Make the Smart Investment Choice

With most people still feeling the repercussions from the Great Recession that peaked a few years ago, placing your money in anywhere other than a government-insured savings account may seem like the last thing you should do. Businesses are slowing, clawing their ways out of the financial troubles they and most consumers faced during that period, and the economy is again growing – albeit slowly. With world markets becoming more and more stable as time goes on, diversifying your investment portfolio should be one of your top priorities to make sure you are making the most of your existing capital. Should you place your money in a bank’s savings account or invest it in the stock market?

Risk

Savings Accounts

Consumers’ deposits in federally recognized banks are insured up to $250,000 in the case that the bank defaults or becomes unable to pay the sum in any other covered way. This insurance is fundamental to the world’s faith in the U.S. banking system and the billions of dollars that consumers entrust in American banks annually. As such, placing your savings in a bank’s savings account is practically without any real risk of being lost or stolen (as has occurred in other countries with weaker governments and financial systems).

Stocks

Investing in stocks is a little different. There is no such thing as a risk-free stock. Investing in stocks is like buying a little portion of a company, and by owning a stock you are betting on the company’s future growth and prosperity which in turn becomes your economic profit on the stock. If you bet incorrectly and invest in the wrong stock, you might not make any profit and could even lose the initial cost spent during its purchase. Not all stocks carry the same amount of risk, however. For example, buying stocks in a company like Apple with an extremely successful and stable track record and a similar projected future would be considered a relatively safe stock to invest in that would probably yield low to moderate profits. Investing in a newer company with an innovative idea would necessarily carry more risk but, if successful, would provide you with a markedly higher profit.

Interest Rates

Savings Accounts

Interest rates on bank savings accounts vary over time and from bank to bank. Unfortunately, we are currently seeing some of the lowest savings interest rates in U.S. history, averaging at an astonishingly low 0.13%. Although a bit of shopping around might yield you an interest rate of 1%, finding anything higher might just be too good to be true. Beyond adding almost no profit to your savings, keeping your money in a savings account most likely is causing you to technically lose money. The current inflation rate of the U.S. economy is 1.2%. If you are earning less than that on your savings account, you are actually losing money every year as the real value of your cash can buy you less and less. Until interest rates on savings accounts increase, it is not economically efficient to save your money in this way.

Stocks

The profit earned on stocks is associated with the value of the stock itself, a variable value that changes as the company itself becomes more or less successful. The success of a company is dependent on several industry-specific factors, wherein the risk element of investing in stocks is apparent. The potential profit you can earn on stocks, however, is technically limitless. You could invest a penny to buy one stock in a startup company that then takes off and permits you to sell that same stock for $1,000 a year later. However, the reverse is also true; you could invest $1,000 in a stock and be forced to sell it later at one penny a stock. Playing the stock market is only for those that can stomach at least a bit of higher risk than that associated with bank savings accounts.

If you are trying to decide whether to invest your money in a savings account or stocks, think about what levels of risk you are comfortable with along with your realistic interest and profit goals for your invested sum. Don’t be afraid to try something new!

Published by Sandy

164 Comments

  1. Gaston Migdal · July 7, 2020

    I just want to say I am all new to weblog and truly liked your website. Very likely I’m going to bookmark your site . You absolutely come with fantastic well written articles. Many thanks for sharing with us your web site.

  2. where can you buy viagra pills · July 9, 2020

    Can I just claim what a relief to find somebody who actually knows what theyre talking about on the net. You absolutely know how to bring a concern to light and make it vital. Even more people require to read this and also comprehend this side of the story. I cant think youre not extra preferred due to the fact that you definitely have the gift.

  3. cbd tincture · July 9, 2020

    Good job on this article! I really like how you presented your facts and how you made it interesting and easy to understand. Thank you.

  4. security screen doors for sliding glass doors · July 10, 2020

    Wonderful blog! Do you have any tips and hints for aspiring writers? I’m planning to start my own site soon but I’m a little lost on everything. Would you advise starting with a free platform like WordPress or go for a paid option? There are so many choices out there that I’m totally overwhelmed .. Any recommendations? Kudos!

  5. John Deere Diagnostic and Test Manuals · July 10, 2020

    Learn all about African Mangoo is so important to us.

  6. her latest blog · July 11, 2020

    Place on with this article, I really believe this web site needs far more consideration. I?ll probably be again to read far more, thanks for that details.

  7. cbd oil for sale vape shop · July 13, 2020

    Hello there! I simply would like to give a massive thumbs up for the terrific info you have below on this blog post. I will certainly be returning to your blog for more quickly.

  8. cbd pen sale in st petersburg fl · July 14, 2020

    I am typically to blogging as well as i actually value your web content. The post has really peaks my interest. I am mosting likely to bookmark your site as well as keep looking for new information.

  9. John Deere Technical Manuals · July 15, 2020

    my sister loves the tv series Ghost Whisperer but i do find it a bit distracting sometimes,

  10. cbd oil for dogs what strenght? · July 15, 2020

    I?d need to consult you right here. Which is not something I normally do! I appreciate reading a message that will certainly make people assume. Also, thanks for allowing me to comment!

  11. will cbd oil help my dog pass stool? · July 16, 2020

    You need to take part in a contest for among the best blog sites on the internet. I will recommend this site!

  12. cbd oil for dogs 85139 · July 16, 2020

    When I initially commented I clicked the -Notify me when brand-new remarks are included- checkbox and also now each time a remark is included I obtain four emails with the same comment. Is there any way you can eliminate me from that service? Thanks!

  13. cbd oil benefits for acne · July 18, 2020

    extremely nice post, i definitely love this site, go on it

  14. cbd and turmeric capsules · July 19, 2020

    The next time I review a blog, I really hope that it does not disappoint me as high as this. I mean, I understand it was my selection to read, but I actually believed youd have something intriguing to say. All I listen to is a lot of whining regarding something that you can fix if you werent too active searching for focus.

  15. news · July 20, 2020

    I was really pleased to find this web-site. I wished to thanks for your time for this remarkable read!! I certainly delighting in every little of it as well as I have you bookmarked to have a look at brand-new things you blog post.

  16. about his · July 21, 2020

    After study a few of the blog posts on your website currently, as well as I genuinely like your method of blog writing. I bookmarked it to my book marking web site checklist and will be checking back quickly. Pls take a look at my internet site also and also let me understand what you assume.

  17. Gaston Kramper · July 22, 2020

    Oh my benefits! an impressive write-up man. Thanks Nonetheless I am experiencing concern with ur rss. Don?t know why Not able to register for it. Is there any person obtaining similar rss issue? Any person that recognizes kindly respond. Thnkx

  18. Vikki Dagel · July 23, 2020

    really great article, i definitely like this website, keep on it

  19. official site · July 23, 2020

    I discovered your blog website on google and examine a few of your early messages. Continue to keep up the great run. I simply added up your RSS feed to my MSN News Viewers. Looking for ahead to learning more from you later on!?

  20. check it out · July 24, 2020

    Can I simply state what a relief to locate a person that really understands what theyre talking about on the net. You certainly know how to bring a concern to light as well as make it important. More people require to read this and also recognize this side of the story. I angle believe youre not more prominent since you certainly have the gift.

  21. try this site · July 26, 2020

    Youre so great! I do not mean Ive read anything similar to this before. So great to discover someone with some original ideas on this subject. realy thank you for starting this up. this web site is something that is required online, somebody with a little originality. helpful work for bringing something new to the internet!

  22. image source · July 27, 2020

    When I originally commented I clicked the -Inform me when new comments are added- checkbox and now each time a remark is included I obtain 4 e-mails with the very same remark. Exists any way you can eliminate me from that solution? Thanks!

  23. inquiry · July 28, 2020

    you have a great blog site below! would certainly you such as to make some welcome articles on my blog?

  24. 안전사이트 · July 30, 2020

    Best you can see in the morning !

  25. home page · July 30, 2020

    I am usually to blog writing as well as i actually value your web content. The article has really peaks my rate of interest. I am mosting likely to bookmark your site as well as keep looking for new info.

  26. 안전해외사이트 · July 31, 2020

    Best you can see in the morning !

  27. More hints · July 31, 2020

    Can I simply say what an alleviation to discover somebody who in fact recognizes what theyre talking about on the net. You most definitely know exactly how to bring a problem to light and also make it essential. Even more people need to read this as well as understand this side of the tale. I angle think youre not much more popular since you definitely have the gift.

  28. see post · August 1, 2020

    I was very pleased to discover this web-site. I wished to thanks for your time for this wonderful read!! I most definitely taking pleasure in every little bit of it and also I have you bookmarked to take a look at new things you article.

  29. www.landpage.co · August 2, 2020

    Hello There. I found your blog using msn. This is a really well written article. I will make sure to bookmark it and return to read more of your useful info. Thanks for the post. I will definitely comeback.

  30. on Bing · August 3, 2020

    You made some good points there. I looked on the web for the issue as well as discovered most individuals will go along with with your website.

  31. moved here · August 4, 2020

    The next time I review a blog site, I hope that it doesn’t dissatisfy me as high as this one. I indicate, I understand it was my selection to read, however I actually thought youd have something intriguing to state. All I hear is a number of grumbling concerning something that you can take care of if you werent as well active searching for interest.

  32. read the article · August 5, 2020

    Oh my benefits! a fantastic article dude. Thanks Nonetheless I am experiencing concern with ur rss. Don?t recognize why Unable to subscribe to it. Exists anyone getting identical rss trouble? Any individual who recognizes kindly respond. Thnkx

  33. replacement screens for security doors · August 6, 2020

    Today, I went to the beachfront with my children. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is entirely off topic but I had to tell someone!

  34. windows with security screens · August 6, 2020

    Hello, i read your blog occasionally and i own a similar one and i was just curious if you get a lot of spam responses? If so how do you protect against it, any plugin or anything you can advise? I get so much lately it’s driving me insane so any assistance is very much appreciated.

  35. security screen monitor · August 6, 2020

    Whats up this is kind of of off topic but I was wondering if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding skills so I wanted to get advice from someone with experience. Any help would be enormously appreciated!

  36. cbd oil online paypal · August 6, 2020

    There is noticeably a bundle to understand about this. I think you made sure wonderful factors in functions likewise.

  37. wana sour gummies 1:1 cbd/thc · August 7, 2020

    You need to participate in a competition for among the most effective blogs on the web. I will certainly suggest this website!

  38. sexting · August 10, 2020

    You have got awesome thing these.

  39. Randy Almodovar · August 10, 2020

    After study a few of the post on your web site currently, and also I absolutely like your method of blog writing. I bookmarked it to my book mark web site list and will certainly be inspecting back quickly. Pls have a look at my web site also and also let me recognize what you believe.

  40. website hosting services · August 10, 2020

    Hmm is anyone else experiencing problems with the pictures on this blog loading?

    I’m trying to figure out if its a problem on my end or if
    it’s the blog. Any feedback would be greatly appreciated.

  41. Emmanuel Chiong · August 11, 2020

    This is the best blog site for anyone who intends to find out about this topic. You recognize a lot its virtually difficult to say with you (not that I really would want?HaHa). You most definitely put a new spin on a subject thats been discussed for several years. Wonderful stuff, simply great!

  42. generic viagra white pill · August 14, 2020

    This web site is really a walk-through for all of the info you desired regarding this and didn?t understand who to ask. Peek here, as well as you?ll definitely uncover it.

  43. starting dose of viagra · August 15, 2020

    I?d need to check with you here. Which is not something I usually do! I appreciate reviewing a blog post that will make people assume. Additionally, many thanks for allowing me to comment!

  44. which is better cialis viagra or levitra · August 17, 2020

    you have a great blog right here! would you such as to make some welcome posts on my blog site?

  45. overdose on viagra · August 18, 2020

    I discovered your blog site on google and also inspect a few of your very early articles. Remain to keep up the great run. I simply added up your RSS feed to my MSN Information Reader. Looking for ahead to reading more from you in the future!?

  46. does viagra prevent premature ejaculation · August 19, 2020

    Aw, this was a truly great blog post. In suggestion I want to put in writing such as this furthermore? requiring time as well as actual effort to make a very good short article? yet what can I state? I procrastinate alot as well as by no means seem to obtain something done.

  47. average cost of viagra per pill · August 20, 2020

    Youre so amazing! I don’t mean Ive read anything like this before. So great to locate somebody with some original ideas on this subject. realy thanks for beginning this up. this website is something that is required on the web, a person with a little originality. useful job for bringing something brand-new to the internet!

  48. can viagra be used for pulmonary hypertension · August 21, 2020

    Youre so trendy! I don’t mean Ive check out anything similar to this prior to. So great to discover somebody with some initial ideas on this subject. realy thanks for beginning this up. this site is something that is required on the internet, somebody with a little originality. valuable task for bringing something new to the net!

  49. cheap flights · August 24, 2020

    I have been surfing online more than 2 hours today, yet I never found
    any interesting article like yours. It’s pretty worth enough for me.

    Personally, if all website owners and bloggers made good content as
    you did, the net will be a lot more useful than ever before.
    3aN8IMa cheap flights

  50. social media marketing in mangalore · August 25, 2020

    Please let me know if you’re looking for a article author for your blog. You have some really great articles and I feel I would be a good asset. If you ever want to take some of the load off, I’d love to write some articles for your blog in exchange for a link back to mine. Please send me an email if interested. Thanks!

  51. social media marketing in mangalore · August 25, 2020

    Do you have a spam issue on this site; I also am a blogger, and I was wondering your situation; many of us have developed some nice procedures and we are looking to trade techniques with other folks, be sure to shoot me an email if interested.

  52. fname and cbd oil · August 25, 2020

    You should take part in a contest for among the most effective blog sites on the internet. I will certainly suggest this site!

  53. cheap flights · August 26, 2020

    Nice blog here! Also your web site rather a lot up fast!
    What host are you the use of? Can I get your associate
    link on your host? I wish my site loaded up as quickly as yours lol cheap
    flights 31muvXS

  54. cbd oil solutions coupon · August 27, 2020

    There are definitely a great deal of information like that to take into account. That is a wonderful point to raise. I supply the ideas above as basic ideas yet clearly there are inquiries like the one you bring up where the most essential point will be working in sincere good faith. I don?t know if best methods have actually emerged around things like that, but I am sure that your work is plainly identified as an up for grabs. Both young boys and ladies feel the influence of just a moment?s satisfaction, for the remainder of their lives.

  55. swemvbxs · August 27, 2020

    Stocks or Savings in Today’s Financial Climate? Make the Smart Investment Choice | Business Gross
    swemvbxs http://www.g9438czfa15us836et8a3xc27xh1d48vs.org/
    [url=http://www.g9438czfa15us836et8a3xc27xh1d48vs.org/]uswemvbxs[/url]
    aswemvbxs

  56. 100 pure cbd hemp oil · August 28, 2020

    very wonderful message, i definitely like this site, go on it

  57. explanation · August 31, 2020

    A remarkable share, I just offered this onto a colleague that was doing a little analysis on this. And he in fact got me breakfast because I located it for him. smile. So let me rephrase that: Thnx for the reward! But yeah Thnkx for investing the moment to review this, I feel highly regarding it as well as like reading more on this topic. Preferably, as you end up being proficiency, would you mind upgrading your blog with even more details? It is highly useful for me. Huge thumb up for this article!

  58. Boss Security Screens · September 3, 2020

    Hey there this is kinda of off topic but I was wondering if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding expertise so I wanted to get guidance from someone with experience. Any help would be enormously appreciated!

  59. Monroe Ernspiker · September 4, 2020

    I am sure this piece of writing has touched all the internet people, its really really pleasant post on buildingup new webpage.

  60. Margery Atkins · September 4, 2020

    Would certainly you be intrigued in exchanging links?

  61. viagra without doctors prescription · February 28, 2021

    generic viagra without doctor

    viagra without doctors prescription

  62. college essay guy · December 20, 2021

    how to write an introduction paragraph for an essay https://windowsvpns.com/

  63. Google · February 8, 2022

    Google

    Very couple of websites that happen to be comprehensive beneath, from our point of view are undoubtedly nicely really worth checking out.

  64. krt vape · February 25, 2022

    krt vape

    […]always a big fan of linking to bloggers that I adore but do not get a great deal of link like from[…]

  65. computer support rapperswil · February 25, 2022

    computer support rapperswil

    […]always a major fan of linking to bloggers that I love but do not get a whole lot of link enjoy from[…]

  66. fulgurite for sale · March 4, 2022

    fulgurite for sale

    […]the time to read or check out the content material or web pages we have linked to beneath the[…]

  67. mossberg patriot 308 · March 4, 2022

    mossberg patriot 308

    […]please check out the sites we comply with, including this a single, because it represents our picks through the web[…]

  68. PlayStation 5 for Sale · March 8, 2022

    PlayStation 5 for Sale

    […]one of our guests lately recommended the following website[…]

  69. prostate massage handjob · March 9, 2022

    prostate massage handjob

    […]the time to study or check out the material or internet sites we have linked to below the[…]

  70. bitcoin virtual card · March 15, 2022

    bitcoin virtual card

    […]we came across a cool web site that you simply might delight in. Take a look if you want[…]

  71. buy driving license online · March 17, 2022

    buy driving license online

    […]Every as soon as inside a while we pick out blogs that we read. Listed beneath are the newest web sites that we select […]

  72. penis pump · March 17, 2022

    penis pump

    […]just beneath, are many totally not connected internet sites to ours, having said that, they’re certainly really worth going over[…]

  73. glocarts · March 18, 2022

    glocarts

    […]Wonderful story, reckoned we could combine several unrelated data, nonetheless really worth taking a search, whoa did a single learn about Mid East has got extra problerms as well […]

  74. thorchain · March 19, 2022

    thorchain

    […]one of our guests lately suggested the following website[…]

  75. apps download for windows 7 · March 19, 2022

    apps download for windows 7

    […]that will be the finish of this report. Here you will discover some internet sites that we assume you’ll appreciate, just click the hyperlinks over[…]

  76. pc app free download · March 20, 2022

    pc app free download

    […]Wonderful story, reckoned we could combine a couple of unrelated information, nevertheless really worth taking a appear, whoa did one particular understand about Mid East has got more problerms too […]

  77. pc games for windows 10 · March 21, 2022

    pc games for windows 10

    […]The information and facts talked about within the article are several of the very best obtainable […]

  78. MFT Token · March 21, 2022

    MFT Token

    […]please go to the internet sites we comply with, such as this a single, because it represents our picks in the web[…]

  79. free download for windows xp · March 22, 2022

    free download for windows xp

    […]Here are some of the web-sites we suggest for our visitors[…]

  80. beretta 92x · March 22, 2022

    beretta 92x

    […]Sites of interest we have a link to[…]

  81. Cheap herbal incense · March 23, 2022

    Cheap herbal incense

    […]that would be the finish of this report. Right here you’ll come across some web-sites that we believe you will enjoy, just click the hyperlinks over[…]

  82. rechargeable vibrator · March 23, 2022

    rechargeable vibrator

    […]just beneath, are several completely not related web pages to ours, nonetheless, they may be certainly really worth going over[…]

  83. custom soap boxes · March 24, 2022

    custom soap boxes

    […]one of our visitors not too long ago encouraged the following website[…]

  84. 5.56 green tips · March 24, 2022

    5.56 green tips

    […]please take a look at the web pages we follow, including this one particular, because it represents our picks from the web[…]

  85. Safari tours in uganda · March 28, 2022

    Safari tours in uganda

    […]Sites of interest we have a link to[…]

  86. PlayStation 5 for Sale · March 28, 2022

    PlayStation 5 for Sale

    […]check beneath, are some completely unrelated internet sites to ours, on the other hand, they may be most trustworthy sources that we use[…]

  87. Uganda safari tour · March 28, 2022

    Uganda safari tour

    […]below you will obtain the link to some sites that we think you should visit[…]

  88. Safari tours in uganda · March 29, 2022

    Safari tours in uganda

    […]Wonderful story, reckoned we could combine some unrelated information, nonetheless truly really worth taking a look, whoa did 1 discover about Mid East has got more problerms as well […]

  89. visit website · April 2, 2022

    visit website

    […]Here are a number of the web pages we advise for our visitors[…]

  90. Krt vape · April 2, 2022

    Krt vape

    […]Wonderful story, reckoned we could combine a few unrelated information, nevertheless definitely really worth taking a appear, whoa did a single find out about Mid East has got extra problerms at the same time […]

  91. junk car towing · April 4, 2022

    junk car towing

    […]here are some hyperlinks to web-sites that we link to because we assume they may be really worth visiting[…]

  92. CZ P10C · April 5, 2022

    CZ P10C

    […]we prefer to honor numerous other internet web-sites around the net, even when they aren’t linked to us, by linking to them. Below are some webpages worth checking out[…]

  93. PlayStation 5 Digital Edition · April 6, 2022

    PlayStation 5 Digital Edition

    […]that will be the end of this article. Here you will obtain some web sites that we consider you’ll enjoy, just click the links over[…]

  94. male extender sleeve · April 7, 2022

    male extender sleeve

    […]very few sites that happen to be in depth below, from our point of view are undoubtedly well worth checking out[…]

  95. Eatery Nanaimo · April 7, 2022

    Eatery Nanaimo

    […]always a major fan of linking to bloggers that I enjoy but really don’t get a great deal of link like from[…]

  96. pc fernwartung rüti · April 8, 2022

    pc fernwartung rüti

    […]The facts mentioned in the write-up are a few of the very best obtainable […]

  97. stock market news · April 8, 2022

    stock market news

    […]Sites of interest we’ve a link to[…]

  98. carrefour · April 9, 2022

    carrefour

    […]Here are a number of the internet sites we suggest for our visitors[…]

  99. canadianpharmacyking · April 14, 2022

    canadianpharmacyking

    […]that may be the finish of this write-up. Here you will discover some sites that we think you will appreciate, just click the links over[…]

  100. male enlargement pump · April 16, 2022

    male enlargement pump

    […]please stop by the sites we comply with, like this 1, because it represents our picks in the web[…]

  101. learn more · April 16, 2022

    learn more

    […]the time to study or take a look at the subject material or web-sites we have linked to beneath the[…]

  102. virtual card buy with cryptocurrency · April 16, 2022

    virtual card buy with cryptocurrency

    […]Every the moment inside a when we pick out blogs that we study. Listed below would be the most up-to-date internet sites that we opt for […]

  103. World News Today · April 20, 2022

    World News Today

    […]just beneath, are various entirely not connected sites to ours, nonetheless, they are certainly really worth going over[…]

  104. how to treat premature ejaculation · April 22, 2022

    how to treat premature ejaculation

    […]although web-sites we backlink to beneath are considerably not related to ours, we really feel they may be in fact worth a go by way of, so possess a look[…]

  105. buy magic mushrooms · April 23, 2022

    buy magic mushrooms

    […]always a big fan of linking to bloggers that I really like but do not get lots of link really like from[…]

  106. Pinball machines for sale · April 23, 2022

    Pinball machines for sale

    […]we came across a cool web site that you may delight in. Take a search should you want[…]

  107. Bubblegum Haupia Strain · April 28, 2022

    Bubblegum Haupia Strain

    […]although websites we backlink to below are considerably not associated to ours, we really feel they’re actually worth a go by way of, so have a look[…]

  108. Watermelon haupia · April 29, 2022

    Watermelon haupia

    […]always a large fan of linking to bloggers that I really like but really don’t get a good deal of link like from[…]

  109. Bubblegum Haupia Strain · April 29, 2022

    Bubblegum Haupia Strain

    […]please visit the web pages we follow, which includes this one particular, as it represents our picks from the web[…]

  110. Bubble hash · May 2, 2022

    Bubble hash

    […]Sites of interest we’ve a link to[…]

  111. Moroccan hash · May 2, 2022

    Moroccan hash

    […]just beneath, are many completely not connected sites to ours, even so, they may be certainly worth going over[…]

  112. Litto · May 3, 2022

    Litto

    […]Every as soon as inside a whilst we choose blogs that we read. Listed beneath would be the latest web-sites that we decide on […]

  113. Bubble hash · May 3, 2022

    Bubble hash

    […]Here is an excellent Blog You may Uncover Interesting that we Encourage You[…]