Saving & Investing for

Beginners:Where to Start

Want to start saving and planning for

your financial future? Not sure where

to start?

This presentation will provide overview

of the most fundamental savings and

investment options.

With a little knowledge, you can

determine the direction that best suits

you!!

Basic Savings & Investment

Options Savings Account

Certificate of Deposit (CD)

401(k)

Savings Account

Most traditional way to save money.

Simple terms: deposit money,

withdraw if needed, earn small amount

of interest in the process

Few limitations

Serves variety of saving needs

(emergency fund, down payment on

first home)

Certificate of Deposit (CD)

Allows your money to make money

Greater interest return than savings

account

Locked into term. Withdrawal may be

made with penalty.

401(k)

Investment option

Individual investment packages are

usually determined by age and risk

tolerance

Allows employee to take advantage of

employer contributions (free money!)

Referred to as “Retirement Account”

because contributor has access to

funds, without penalty, at age 59 ½

Take time to do a little

research on the options

and start down the road

to a bright financial

future!