Here at Angelic Investments, we strive to provide investments packages to meet every type of investment. We have high risk packages for those who have a lot of time ahead of them, as well as middle and low risk packages for those who want to have their money work for them, but not need to actively manage it as much.
High Risk packages
We have three available packages, High, Medium, and Low risk investments that can fit anyone's financial needs.
High risk packages are very risky (obviously), and can end up losing you a lot of money if you are not careful. However, they have the potential for extreme payout in the long run. Think about the people who originally invested in Microsoft and Apple. They are all set for life, and with a little bit of wise investing, so can you.
Our High risk packages are a combination of direct investment in stock, as well as futures, junk bonds, and stock options. These are all very high risk options that are best off taken in your younger years in order to minimize the long term effects if your investments fail.
Vital to both high and low risk investments, is the concept of Diversification, more so with High risk plans, because if you have a very diverse portfolio of stock spanning a variety of industries, then the risk of losing all of your investments is very small, as opposed to if you had invested in only one company or industry.
Other possible high risk investments are commodities like gold and silver, and undeveloped land.
Medium Risk Packages
Moderate risk investments can be both risky and rewarding, but can leave you with some room to maneuver in case of failure. They offer the best of both worlds, and at the same time, suffer from both's faults. They don't make as much as high yield investments, and can fail harder than low risk investments.
Moderate risk investments include Real estate, corporate bonds, and government bonds.
Low Risk Packages
Low risk investment is more suitable for when you are older and have more money to work with. The key to investing in low risk, is to avoid investments that have possibility of defaulting on their payments. investing in the government is generally a low risk venture, because the federal or state government are not very likely to fail paying off their bonds.
401(K) plans are very important, because they have the potential for massive growth. Many employers today will match up to a certain amount of the money deposited, so it is generally a good idea to deposit exactly that amount, or at the very least, 10% of your total income.
A very important part of low risk investments is if the investment can be federally insured, in order to remove the risk of a bad investment. While some high risk investments can be insured, typically it is very rare for that to happen.
We have a lot of experience in creating stable investments, as well as more risky options.
401 (K) plans
401(k) plans are ways that many companies take care of their employee's retirement, and they are one of the most attractive ways to save up, becasue taxes are not taken from pay put in, until the money is withdrawn. Unlike pensions though, they need to be actively managed. which is where we come in. Typically, 401(K) plans need to be based on more stable investments in your later years, so we use our experience to your advantage in this regard, only investing in companies that are guaranteed to make money.
Certificate of Deposits
CD's are similar to many savings plans, however they are somewhat superior, because unlike savings accounts, they have much higher interest rates based on the length of the term. However, they are not suitable for use as an emergency fund, because there are heavy fees associated with withdrawing before the term is over.
Bonds are money lent to someone, with the promise that it will be paid back at a certain date. There is also interest that is guaranteed, so they can vary form high to low risk.
Treasury notes, bonds, and bills
Treasury notes today are the American Dollar, which is the standard currency for purchases. Treasury notes are simply currency issued by the United States Treasury.
Treasury bonds are similar to regular bonds, in that they are issued by the Federal treasury, so there is virtually no risk of loss in the investment.
Treasury bills are a similar concept to bonds, however they are very short term, and have no interest. The advantage to bills, is that the purchasing price is less than the money you receive back, because of a discount on the initial price.