Investing

CD Rates

Grow your money in a certificate of deposit today, but first search thousands of CD rates to find the best rate that meets your needs. GOBankingRates can help.

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Stocks

Before you invest in the stock market, there’s a lot to learn. Read expert advice on investing and discover how make your dollars go further. GOBankingRates can help you get started.

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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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401K

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

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Understanding Investing

Saving money is an important part of any financial plan — but to grow your money significantly over time, you must also invest. Investing involves committing a certain amount of money to a venture with the expectation that it will return a profit. The size of the profit depends on the level of risk you assume.

Investing requires taking on some risk, which can lead to a greater potential reward or loss. Investing is different from saving money because there is no guarantee you will earn a return or that you will even get the entire principal back.

Experts recommend diversifying investments by balancing riskier ones with low-risk choices. Safe investments include certificates of deposit (CDs), Treasury bonds and money market funds. Riskier investments include stocks and mutual funds. Before you get started, be sure to research all your options.