Stocks

Investing

To grow your money over time, you can’t just save it; you need to invest it. Investing requires taking on some risk, which could lead to greater reward as well as loss. Learn the basics today.

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IRA

An IRA is an individual retirement account in which you can save money while taking advantage of tax breaks. Be sure to compare IRA options with Roth IRAs and 401ks, as the differences can be subtle.

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401K

Get personal finance retirement accounts 401k economy news, advice and information from leading personal finance site GOBankingRates.com

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Roth IRA

A Roth IRA is an individual retirement account that requires you to pay taxes on money as you deposit it so you can enjoy tax-free withdrawals down the line. Decide if a Roth IRA, 401k or IRA is best for your retirement needs.

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Understanding Stocks

A stock is a security that gives buyers partial ownership of a company, distributed in the form of a share. If the company does well and stocks go up, buyers can sell their shares of stock for a profit. On the flip side, if the company does poorly, stock prices will go down and buyers will lose money on their investment.

The two main types of stock are common stock and preferred stock. Common stock is what most people are referring to when they discuss stocks; if you purchase common stock, you own a portion of the company and receive dividends on the company’s profits. The main difference between preferred stock and common stock is that preferred stockholders usually receive a guaranteed, fixed dividend, whereas common stockholders receive dividends based on the company’s profits.

To learn more about stocks and other forms of investments, browse GOBankingRates’ articles that feature expert advice to help make your decisions easier.