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...Who am i how do help mit class of cfp cfa independent financial planner volunteer planning implementation interest expected return on your money simple and compound risk free rate government bonds are guaranteed by the us as to timely payment principal if held maturity offer a fixed value investing building blocks stock etf bond types mutual funds etfs fund which is better will fluctuate in loss possible values have an inverse relationship with rates for example when rise drop vice versa you were sell prior may receive less that invested additional market volatility based underlying securities investment exchange traded involves losing should be considered part overall program not complete risks such being diversified price competitive industry pressure international political economic developments trading halts index tracking errors dividends companies reduce or eliminate at any given time there no guarantee portfolio enhance returns outperform non diversification does protect against...