is there any low investments i can start to save money for my future?
436540
there are mutual funds with small initial investments. $500 for example. Some even less. That is a good way to start. I have included a link through Yahoo finance showing funds of that nature that are rated better than average by Moringstar. Yahoo sometimes does not provide correct information so you need to use this as a starting point and research a little furture. \n\nAnother way is to open an on line brokerage account and buy shares directly in good solid companies that have a good track record and pay dividend that have tended to increase over time, such as BAC, for example. But that is more risky without having at at least 5 and preferably 10 different stocks in your portfolio to reduce the risk of a piece of bad news causing disaster. You also have the option of buying exchange traded index funds. That is an inexpensive method to participate in general market trends. I personally do not like the idea, but a lot of people do.
409487
Depends what your after?  I would suggest bonds as the 'safest' form of risky investment.  I know that makes no sense but speak to a highstreet bank - they abviously use finacial advisesers with considerable knowledge of the market to pick them a few investments.  In turn you get the opportunity to 'back' thoe investments with your own money - the back will take their cut of the top and leave you the rest.\n\nOtherwise a shortterm alternative would be premium bonds (although I think the max is £20k per person then if I remeber correctly every £100 essentialy buys you a lottery ticket - this Premium bonds lotrery takes place every month and although you don't make interest (hence only look at this a short term investment (unless your lucky!) you do stand the chance of winning between £50 and £1m a month...
498699
Start out by buying a standard stock mutual fund, so your money can grow while you're learning; and watch what they do.  Meanwhile, start reading about stocks.  Books like "Intelligent Investor" by Benjamin Graham, "One Up on Wall Street" by Peter Lynch, and maybe something on the Warren Buffett style would be a good start.  Or visit websites like Smart Money or Motley Fool.  \n\nGood luck to you.
259445
umm get a job and save ?
849279
If you just want to invest and have no input i'd put most into cash management and get say 6.5% interest (very low risk). I would also put some into shares ie. banks or strong companies that are low risk.\n\nIf this is a lot to you, you dont want to risk it....
620098
You could start by educating yourself. Read on the "Rich dad, poor dad" series of books by Robert Kiyosaki. Its a good book to start if you are naive to investing.\n\nThe first books in the series discusses about "financial intelligence". His perspectives are a real eye opener. From here, you develop an "eye for investing".  And believe me, there are so many investment opportunities, if only you are learned enough to see them.\n\nThe later books in the series, the "advisor series", gives more practical ideas on where to invest according to your competencies or interests. \n\nLooking to retire at age 52? That's too late! You can do it by age 37! Or even by age 36. You just need a good mentor.\n\nPlease do a google search on Robert Kiyosaki so you can judge for yourself based on the book reviews from the various critics and financial gurus.\n\nOn mutual funds, time deposits, saving accounts, bonds, etc.: Look for interest rates that keep you 6 points above the inflation rate. Lower than this and you might fall short on funds after your target retirement age.  \n\nMy personnal preference? Online stock trading! It works for me!
513851
First, I would make sure you have at least 3 months salary saved up in the bank or in a money market fund for an emergency fund. (Some people say 6 months.) Financial disasters like getting layed off or sick happen to all of us.\n\nSecond, I would pay off all high interest debt. Pay off everything you can except the house mortgage and student loans. Paying off debt is one of the best investments you can make. You will have more money in the future because you won't have credit card bills to pay.\n\nThird, if you have money left, start investing in stocks, bonds, and money market funds. You want to buy a diversified portfolio of stocks, as individual stocks are too risky. For most folks this means buying mutual funds. I like Vanguard.com, other people like Fidelity, TIAA-CREF, and DFA. Buy no-load, low cost funds. If you are like most people you will invest part of your money conservatively, in money market funds and bond funds, and part aggressively in stock funds. Vanguard.com has an on-line questionnaire which will give you an idea how aggressive you want to be. \n\nInvesting in a mutual fund IRA for retirement may give you an income tax break. Talk to your tax adviser. You may also be able to invest in a stock mutual fund via a 401K plan at work. Buying a house instead of renting will make you a lot of money in the long run. \n\nBelieving advice you get on Yahoo answers can be risky, so read these websites for further information. If you find it too confusing, contact a professional financial advisor. They will charge you significant commissions, however.
903561
Buy a $1,000 Series I Savings Bond.  It's also one of the safest ways to invest.
1075227
Lynn, \nAssuming that you already have some liquid cash set aside in the event of some financial disaster (recommended 3-6 months of fixed expenses), the easiest (and safest) way to invest with little money is in a mutual fund. There are some fund families that will allow you to invest with as little as $100 if you set up a bank draft with them. Saving this way has been proven to be the least painless way to save because it will happen automatically and you'll be surprised how fast it will accumulate. Another advantage to this style of investing is that you take advantage of a somewhat sophisticated investment method called dollar cost averaging. Basically, you are investing a set amount at a set time each month. On months when the price of your mutual fund is up you will buy less shares of the fund. On months when the fund price is down you will buy more shares of the fund. Over time, this is a great way to lower your average price per share. The final advantage to investing in the manner that I have described is that you are limiting the risk that you are exposed to. One small investment in a mutual fund is actually used to buy hundreds of companies. (That is what happens to the money that you are investing) Because they are able to invest in so many different companies, your risk is spread out among all the companies that are represented in the fund. You'll probably get some people recommending D.R.I.P investments because you mentioned you didn't have much to invest. I would not recommend this because in a drip you are buying a small amount of shares in one company so all your risk is tied up in the fate of that one company. Good luck and save as aggressively as you are comfortable with.
1020732
work, save and invest.  if you want money go to where the money is.
169481
Safe but low profit - Bank CD\nRisky but potentially high profit - Stocks\n\nIf you're into selling stuff, buy something in bulk and sell it on ebay.\n\nDo not join any "get rich quick" schemes....you will probably lose all of your money.
517192
Buy a diversified series of mutual funds. Individual stocks are just way too risky in most cases, especially for novice investors, even if they look like a sure thing.  How are Enron and Worldcom doing right now?\n\nMake sure you hit all the assets classes, like Large cap stocks, small/mid cap stocks, international stocks, emerging markets stocks, government debt, corporate debt, hi-yield debt, foreign debt, emerging markets debt, real estate, commodities, and precious metals. That's 12 categories right there, so let's say you get started with with $1200, you're talking about $100 each. \n\nThen sit back and rebalance each year, back to your original percentages. This is called asset allocation. The thinking being, what's BEEN hot is more than likely not going to STAY hot. All markets, after all, are cyclical.  This is why people who invest their 401(k) by just putting in whatever's had the most recent best numbers never get anywhere--they're investig in something that DID will and IS probably NOT doing well.\n\nThis sort of portfolio should average 8-12% per year, so just split the difference and say 10%. Will it do 10% EVERY year? Of course not. I'd be surprised if it ever did EXACTLY 10%. That's an annual average. With that average, your money should double roughly every 7 years. \nSo, in 7 years you should have about $2,000\nin 14 years you should have about $4,000\nin 21 years you should have about $8,000\nin 28 years you should have about $16,000\nin 35 years you should have about $32,000\nin 42 years you should have about $64,000\nin 49 years you should have about $128,000\nin 56 years you should have about $256,000\nin 63 years you should have about $512,000\nin 70 years you should have about $1,024,000!\n\nOf course, if you keep adding money in, say $100 a month, you'll become a millionaire MUCH sooner. The key is discipline, and sticking in when markets are up OR down. Don't try to time the market--you'll NEVER get it right.\n\nHere's a handy formula:\n\n$100/month x 12% retutn x 20 years = $100,000.  \n\nSo if you invest $300 a month, you can expect to have $300,000 or so in 20 years, depending on what return you get.  And remember, even if you stop there, that money itself will double again in 7-10 years, depending.  Then double again.  Then double again.  You get the idea.\n\nIn short, you can make a HELL of a lot of money, with a small output on your part, if you do it right, and are patient.\n\nOh, and if you qualify, and do this all in a Roth IRA? Then every penny will be 100% TAX-FREE. That's a deal that's too good to pass up. That's why I tell all my under-30 clients--if you make under $90,000, and therefore qualify to do a Roth, you'd be a fool not to. Just having the power of youth (and therefore time) on your side is such an advantage, to squander it would be such a waste!\n\nHope this helps!\n--J.\n\nP.S. The previous answerer's advice about contacting Edward Jones is gold.  I would go to their website at www.edwardjones.com, enter your zip code, and find the closest office to you.  Chances are there's one within 10 miles.  They have 10,000 office in the US, UK, and Canada.  And they will take care of you right if you decide you don't want to go it alone.
1155635
Stay away from stocks or mutual funds for now. Put your money in a bank account. Most savings accounts are paying 2%-3% interest--- not a lot. But you need to have the money available to you in case of an emergency.
648897
1. Never spend your saving's\n\n2. Try putting some into high interest account's\n\n3. Personal Pension or 401 K..etc.\n\n4. Invest to reduce your cost of living..etc. (Buying rather than Renting property...etc)\n\n5. Spread your saving's into different Mutual Fund's
60838
With $200 dollars a month, you might want to sign up for a 401k plan from an online brokerage firm while picking one or two mutual funds.  As long as you consistently deposit the amount of $200 dollars, you should realize a relatively fair or modest return.  It will also reduce your taxable income, saving you money on taxes and increasing your future retirement funds.  \n\nHowever, if you're looking for a higher return investment, allocate it to a money market ING Direct account.  I believe their offering 4.75%, which is a modest return but it offers you greater liquidity.  After a year, you might then swap it into a brokerage account and then invest it in growth stocks that can generate a higher return.
159335
Consider a bank certificate of deposit.  You won't make a ton money, but it is secure and you can get your money after a year (or a few months because you pick the length of time) Should be able to get around 4.50%
186392
Put the money where it can give you the most value at this particular point in your lives.\n\nConsider this order: Emergency fund (3-6 months of living expenses), high interest rate loans, retirement.\n\nMortgage is a long term debt, if it is comfortable for you at this time, leave it. Car? - does it run? Have you had trouble with it? Do you do the regular maintenance on it? If it works, and has no sign of giving up, then continue using the car - should you need to upgrade, consider recently used.\n\nChildren's college fund? Make sure your retirement is good first, then look after the children. It makes no sense to make sure their college education is great, and then have no where to go come retirement.\n\nInvesting in stocks - this is probably where your retirement money will be going. Stock investing is a 10year activity.\n\nWhat would I do with it? I would use it on whatever is the most important thing to me at the time I had the money. Emergency fund, high interest debt, retirement, family, entertainment, work.\n\nGood luck\n\nI am available - you can contact me directly via my website