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You will think about what kind of saving instru- __1__
ment to use or what kind of investment to make. By
putting your money in some kind of savings instrument
or investment, you can set aside small amount of mon- __2__
ey regularly and the money will earn interest or divi-
dends. Interest refers to the amount what your money__3__
earns when it is kept in a savings instrument. Divi-
dends are payments of part of a company’s earnings to
people hold stock in the company. A savings instru- __4__
ment has an “interest rate ” associated with it; this re-
fers to the rate which the money in the instrument in- __5__
creases during a certain period of time. Principal re-
fers to the facial value or the amount of money you __6__
place in the savings instrument on which the interest is
earned.
Every type of savings or investment has some risk
that the return will be less than needed or expected.
Federally insured savings accounts are safe and guar-
anteed up to $100,000 by the U.S. Government.
Therefore, they may have lower interest rates, making __7__
it hard to save large amounts of money for college. __8__
Bonds and stocks often have higher returns than sav-
ings accounts or EE saving bonds but are more riskier. __9__
You can reduce the risks of these kinds of investments
by starting to save early. The earlier we begin the less __10__
money you will have to put aside each month and the
more total savings you will accumulate.