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Investment Choices

Nov 20, 2009
Q: How can I select investments that are best for me and my micro-business?

A: Before you select investments, you must identify your short-term and long-term needs, your appetite for financial risk, and your personal circumstances (age, children, financial state of your business, etc.). These factors are crucial to making smart investment decisions.

For instance, if you are risk averse, you might choose to invest in certificates of deposit that guarantee a return and are insured by the Federal Deposit Insurance Corporation (FDIC). If you want a long-term investment and are willing to take moderate financial risk, you could invest in stocks, bonds or mutual funds.

You can educate yourself about investment choices with books, newsletters and magazines or you can hire a professional to assist you. You can also do both.

If you hire a professional, strongly consider hiring someone who advises you for a fee rather than someone who makes his money by selling investments to you. Using a fee-only financial planner is the best way to be certain that your needs are the top priority. Find a planner you feel comfortable with and one who will freely discuss all fees involved.

If you choose the self-help way, you’re in good company. Many do-it-yourself investors feel that they can give their investments the closest attention possible. The problem with this choice is the ongoing time commitment and the intimidation of facing all of the choices alone.
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