Lavoisier S.A.S.
14 rue de Provigny
94236 Cachan cedex
FRANCE

Heures d'ouverture 08h30-12h30/13h30-17h30
Tél.: +33 (0)1 47 40 67 00
Fax: +33 (0)1 47 40 67 02


Url canonique : www.lavoisier.fr/livre/economie/investing-in-your-20s-et-30s-for-dummies/descriptif_4530029
Url courte ou permalien : www.lavoisier.fr/livre/notice.asp?ouvrage=4530029

Investing in Your 20s & 30s For Dummies (3rd Ed.)

Langue : Anglais

Auteur :

Couverture de l’ouvrage Investing in Your 20s & 30s For Dummies

Take advantage of the decades ahead and invest in your financial future today 

You may be at the stage of your life where you?re still watching every penny, but you know the earlier you invest, the more time your money has to work for you. Investing in Your 20s and 30s For Dummies provides novice investors with time-tested advice, along with strategies that reflect today?s market conditions. You?ll get no-nonsense guidance on how to invest in stocks, bonds, funds, and even real estate?complete with definitions of all the must-know lingo. You?ll also learn about the latest investment trends, including using robo-advisors to manage your portfolio, relying on apps to make fast trades, and putting your hard-earned cash in digital currencies. Armed with the knowledge and strategies in this book, you can invest wisely, monitor your progress, and avoid risking too much. Today?s investing landscape is changing at record speed, and this book helps you keep up. Find information on the latest tax laws, financial lessons learned from the COVID-19 pandemic, and popular funds for the 2020s.   

  • Learn the investment basics you need to get started 
  • Discover new tools and technologies that make it easier than ever to participate in the market 
  • Build a diverse portfolio that reflects your values, financial goals, and risk tolerance 
  • Feel more confident as you fund an investment account, choose equities or funds, and plan for the future 
  • Make an impact with your money by selecting socially responsible investments 
  • Figure out how much money to invest in employer-sponsored accounts or other retirement plans 

If you?re a little unsure about stepping into the world of investing, Investing in Your 20s and 30s For Dummies gives you the confidence you need to establish a smart investment strategy. Grab your copy today. 

Introduction 1

About This Book 1

Foolish Assumptions 2

Icons Used in This Book 3

Beyond the Book 3

Where to Go from Here 3

Part 1: Getting Started with Investing 5

Chapter 1: Making Sense of Your Investing Options 7

Growing Your Money in Ownership Investments 7

Sharing in corporate growth and profits: Stocks 8

Profiting from real estate 9

Succeeding in small business 10

Making “riskier” choices: Options, cryptocurrencies, and so on 10

Keeping Money in Lending Investments 10

Understanding Risks and Returns 11

Realizing risks 11

Managing risks 13

Making sense of returns 14

Where to Invest and Get Advice 15

Finding the best fund companies and brokers 15

Finding an acceptable advisor 16

Chapter 2: Using Investments to Accomplish Your Goals 19

Setting and Prioritizing Your Shorter-Term Goals 19

Accumulating a rainy-day fund 20

Saving for large purchases 21

Investing for a small business or home 21

Saving for kids’ higher educational costs 22

Investing short-term money 23

Investing in Retirement Accounts 23

Understanding retirement account perks 23

Grappling with retirement account concerns 24

Taking advantage of retirement accounts 25

Surveying retirement account choices 26

Selecting retirement account investments 29

Assessing Your Risk-Taking Desires 29

Chapter 3: Setting Your Return Expectations 31

Estimating Your Investments’ Returns 32

Money market funds and savings account returns 32

Bond returns 33

Stock returns 34

Real estate returns 35

Small-business returns 36

Compounding Your Returns 36

The value of getting a few extra percent 37

Considering your goals 38

Chapter 4: Minimizing Your Taxes When Investing 39

Understanding Investment Taxes 40

Tracking taxation of investment distributions 40

Determining your tax bracket 41

Highlighting the Tax Cuts and Jobs Act bill          .42

Devising tax-reduction strategies 44

Reducing Your Taxes When Selling Investments 45

Weighing nontax issues 45

Tuning in to tax considerations 46

Part 2: Preparing Your Investing Foundation 51

Chapter 5: Laying Out Your Financial Plans 53

First Priorities: Paying Off High-Cost Debt and

Building a Safety Reserve 54

Paying off high-cost consumer debt 54

Establishing an emergency reserve 55

What about Paying Down Other Debts? 56

Assessing student loans 56

Considering paying down mortgage debt 58

Sorting Out Your Financial Plans 58

Considering your investment options and desires 59

Assessing your savings rate 60

Investing regularly with dollar cost averaging 61

Knowing the Impact of Investing for College Costs 62

Paying for college 63

Considering educational savings account options 64

Investing money earmarked for college 65

Securing Proper Insurance 65

Chapter 6: Starting Out with Bank and Credit Union Accounts 67

Understanding FDIC Bank Insurance 68

Investing in Banking Account and Savings Vehicles 68

Bank checking accounts and debit cards 69

Savings accounts and certificates of deposit 70

Negotiating with Bankers 71

Feeling Secure with Your Bank 72

Evaluating any bank 72

Protecting yourself when banking online 73

Exploring Alternatives to Bank Accounts 75

Credit union accounts and benefits 75

Brokerage cash management accounts 76

Money market mutual funds 77

Chapter 7: Managing Money Market Funds 79

Defining Money Market Mutual Funds 79

Making sense of the appeal of money market funds 80

Understanding the drawback of money market funds 81

Looking at Money Market Fund Holdings 81

Protecting and Accessing Your Money in Money Funds 83

Protecting your money 83

Accessing your money 83

Using Money Market Funds in Your Investment Plan 84

Shopping for the Best Money Funds 86

Discovering traits of leading money funds 86

Naming good money funds 87

Alternatives to Money Market Mutual Funds 88

Part 3: Investing in Stocks, Bonds, and Funds 91

Chapter 8: Getting Your Slice of Capitalism with Stocks 93

What Are Stocks? 94

How (and Why) You Can Make Money with Stocks 95

Understanding the importance of corporate profits 95

Making sense of how you profit with stocks 96

Timing Your Stock Buying and Selling 97

Following market indexes 97

Using price/earnings ratios to value stocks 99

Avoiding temptations and hype 100

Getting past the gloom 101

Sidestepping common investing minefields 102

Highlighting How to Invest in Stocks 103

Investing in stock mutual funds and exchange-traded funds 103

Picking your own stocks 104

Maximizing Your Stock Market Returns 108

Chapter 9: Securing Investment Income and Principal with Bonds 109

Defining Bonds 110

Understanding bond issuers 110

Considering credit (default) risk 113

Making sense of bond maturities 113

Using Bonds in a Portfolio 114

Finding uses for bonds 115

Comparing other lending investments with bonds 116

How and Where to Invest in Bonds 119

Choosing between bond funds and individual bonds 120

Investing in Treasury bonds 120

Investing in non-Treasury individual bonds 121

Evaluating individual bonds you currently hold 122

Chapter 10: Fund Investing: Mutual Funds and Exchange-Traded Funds 123

Understanding the Advantages of Funds 124

Maximizing Your Chances for Fund Investing Success 126

Understanding the importance of performance and risk 126

Examining fund management experience 127

Keeping costs down 127

Understanding and using index funds 128

Understanding exchange-traded funds: Index funds that trade 129

Creating and Managing a Fund Portfolio 131

Identifying the Best Mutual Funds and ETFs 133

Investing in the best ETFs 133

Picking the best stock funds 134

Balancing your act: Funds that combine stocks and bonds 136

Finding the best bond funds 137

Considering Alternatives to Investing in Funds 142

Creating your own fund 142

Robo advisors 142

Unit investment trusts 143

Brokerage managed accounts 143

Hedge funds for the wealthier 144

Chapter 11: Understanding Investment Brokers 145

Getting Your Money’s Worth: Discount Brokers 145

Assessing the high-commission salespeople’s arguments 146

Selecting a discount broker 147

Checking Out Online Brokers 149

Considering “free” online trades 149

Examining your online trading motives 150

Taking other costs into account 151

Looking at service quality 151

Listing the best online brokers 152

Part 4: Investing in Real Estate, Small Business, and Other Investments 153

Chapter 12: Seeking Shelter and Appreciation in Real Estate 155

Comparing Owning a Home to Renting 156

Weighing financial considerations 156

Considering costs and your time frame 157

Deciding when to buy 158

Figuring Your Home-Buying Budget 160

Getting your financial house in order 160

Determining your down payment 160

Doing lenders’ calculations 161

Shopping for Your Home 163

Understanding your housing options 164

Researching communities 165

Checking out and valuing a home 166

Investing in Investment Real Estate 167

Understanding real estate investment’s appeal 168

Sizing up real estate investment options 169

Conducting real estate investing research 172

Chapter 13: Financing and Putting Together Real Estate Investment Deals 175

Financing Your Real Estate Deals 175

Achieving loan approval 176

Debating fixed-rate versus adjustable-rate mortgages 179

Deciding between fixed and adjustable mortgages 181

Finding your best fixed-rate mortgage 182

Landing an appropriate adjustable-rate mortgage 183

Understanding other mortgage fees 187

Finding the best lenders 187

Refinancing for a better deal 189

Working with Real Estate Agents 191

Recognizing agent conflicts of interest 191

Selecting a good agent 192

Putting Your Deal Together 194

Negotiating basics 194

Inspecting the property 195

Shopping for title insurance and escrow services 196

Selling Real Estate 197

Negotiating real estate agents’ contracts 197

Selling without an agent 199

Chapter 14: Taking Your Talents to the Small-Business Arena 201

Investing in Your Career 202

Deciding to Start Your Own Business 203

Weighing your options 203

Entrepreneuring at a company 204

Turning a Business Idea into Reality 204

Drawing up your business plan 204

Plotting to leave your job 207

Financing your business 208

Considering Small-Business Investment Options 210

Buying an existing business 210

Investing in someone else’s business 211

Looking at franchises 212

Beware the pitfalls of multilevel marketing companie 213

Chapter 15: Exploring Other Investment Vehicles 215

Calling on Options 215

Considering Gold and Other Precious Metals 216

Should You Invest in Currencies and Cryptocurrencies? 218

Contemplating Collectibles 220

Understanding the allure of collectibles 221

Seeing the realities of collectibles and their returns 221

Considering advice on buying collectibles 222

Understanding Annuities and Cash-Value Life Insurance 223

Availing yourself of annuities 223

Considering cash-value life insurance 224

Part 5: The Part of Tens 227

Chapter 16: Ten Things to Know about Investing Resources 229

Get Educated to Discern the Best from the Rest 229

Beware “Free” 230

Understand the Influence of Advertising 230

Value Quality over Quantity 231

Know How to Check Out a Resource 232

Beware Hype and Exaggeration 232

Don’t Assume Quoted Experts Know Their Stuff 233

Investigate Gurus’ Claims 233

Don’t Believe Investment-Newsletter Claims 234

Check Out and Keep Up with My Favorite Resources 234

Chapter 17: Ten Essential Tips for Investing Success 237

Regularly Save and Invest 5 Percent to 10 Percent of Your Income 237

Understand and Use Your Employee Benefits 238

Thoroughly Research Before You Invest 238

Shun Investments with High Commissions and Expenses 239

Invest the Majority of Your Long-Term Money in Ownership Investments 239

Avoid Making Emotionally Based Financial Decisions 239

Make Investing Decisions Based on Your Plans and Needs 240

Tap Information Sources with High Quality Standards 240

Trust Yourself First 241

Invest in Yourself and Others 241

Chapter 18: Ten Things to Know about Investing Apps 243

Beware of the General Dangers of Putting Apps on Your Cell Phone 244

Use Apps Only from Proven Companies with Good Reputations and Longevity 244

Consider the Alternatives to an App 245

Use thpaee Best Personal Finance Apps to Have More to Invest 245

Be Skeptical of Investing Apps Offering “Free” Trading 246

Review Current and Historic Financial and Economic Data 246

Invest with Leading Fund Providers 247

Tap into the Best Investment Brokerage Firms 247

Examine the Best Real Estate Apps 247

Seek out Good Small-Business Apps 247

Bonus Chapter: Taking Care With Health Insurance 249

Index 261

Eric Tyson, MBA, is a bestselling personal finance author, counselor, and writer. He is the author of the national bestselling financial books Investing For Dummies, Personal Finance For Dummies, and Home Buying Kit For Dummies.

Date de parution :

Ouvrage de 304 p.

18.8x23.1 cm

Disponible chez l'éditeur (délai d'approvisionnement : 14 jours).

23,63 €

Ajouter au panier