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Generally, investments can be divided into three broad categories:

• Cash equivalent funds — include guaranteed investment contracts* issued by insurers and money market funds. Cash equivalent funds also can include certificates of deposit, U.S. Treasury bills and corporate commercial paper. These investments involve the least risk.
• Fixed-income funds — include short- and long-term corporate and government bond funds rated according to the borrower's ability to repay the bond. A fixed-income investment provides higher income than a cash equivalent investment partly because you're making a longer term loan and partly because the borrower's credit quality may not be first-rate. The lower the credit quality, the higher the return potential. There is a higher risk of loss of principal with lower-rated bonds.
• Growth funds — include stocks and stock mutual funds, real estate, precious metals and collectibles. Growth investments offer the highest potential return of the three asset classes as well as carry a higher risk of loss to principal.

Although the investment categories you select should be based upon your time horizon and tax situation, the most crucial factors to consider are your financial objectives and risk tolerance.

 

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