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There are several options you should consider when deciding how to invest:
  • The number of years until retirement
  • The amount of money you will need at retirement
  • Your personal tolerance for risk
  • The rising cost of living
The combination of investments you select has the greatest impact on the growth of your money.


SOURCE: Ibbotson & Associates

NOTE: Past performance does not guarantee future performance.

Stocks:
Stock represents ownership in a company. The market value of a stock is determined by the success, or earnings potential, of the company. Historically, stock investments have provided the highest long-term returns when compared to other investment options. Stocks also have the highest level of risk, since their price movement is unpredictable and can fluctuate widely.

Bonds:
A bond is simply a loan from an investor to a corporation or government. The borrower pays interest to the investor and agrees to repay the loan at a set maturity date. Bond prices fluctuate with changes in interest rates. Historically, bonds have produced lower returns than stocks, but they are considered less risky.

Cash:
Cash and money market securities are short-term, interest-bearing investments. They generally provide a lower return with less risk. The greatest risk may come from the inability of cash to provide long-term returns greater than the rate of inflation, thereby decreasing the investor's purchasing power over time.
The Allocation Decision.
The combination of investments you select has the greatest impact on the growth of your money.
F.A.Q.
Have a question? Try browsing our list of most frequently asked questions.
Concepts at a glance:

- Retirement Facts

- 401(k) Advantage

- Investment Options

CAPTRUST Financial Advisors, member FINRA/SIPC.