What I am explaining is no secret, but a surprisingly number of people are not aware of the accessability to the stock market today. In the past, the stock

I see at least two problems which fuel financial unawareness. The first problem is the lack of formal educational requirements in the school system on ways to lay a foundation for financial success. That stikes a nerve of another subject, but I sure wish I knew what my brother Tommy knew at his age. He didn't learn it from school. He had to learn it on his own.

The second problem is that previous generations are stuck in a 'save' strategy. This is not a good strategy for financial success. If you are limited to thinking of a bank CD as an investment, I hope to convince them into a mutual fund. This will aid in the life long construction project of finance. Others have exceeded such financial limitations of conservative investments by welcoming a small amount of risk.

In the past, the stock market seemed like a mysterious, scary world in which only well-suited men would negotiate large business with an unimaginable amount of money. While this may have been true in the early 20th century, the coming of the mutual fund made Wall Street directly accessable to EVERYONE. For some reason, although mutual funds survived and are doing very well today, this concept didn't penetrate our society until the past couple of decades.

The number of stocks and mutual funds that are available today are multiples more than the amount available a generation ago. Now, with the explosion of technology and computers, the world is now embracing the accessability to the best methods of achieving investment success.

If you are still considering a conservative investment, think of the following questions:

1. Do you know anybody who lost money on a long term investment in a mutual fund? If the rare odds are so that they DO actually know somebody, please introduce me to them. I can be reached at [email protected]. It is not impossible to loose money, but I want to understand the interesting circumstance for this to happen for my own interest.

2. How much is the return on the CD (or other conservative investment)?
3. Did you know that you can expect between 10 and 20 percent annually by todays trend on long term investing in mutual funds that invest in stocks?

...and please keep reading.

Did I say, 'RISK' earlier!? It is not a bad word.

Risk in many ways equals success. Without risk, you are almost always going to 'not excel'. While you may not be a failure, the odds say you'll never excel into success in anything. On the other hand you say, risk could mean failure too. You are correct, but the information I am sharing is not an extreme risk like that. There is also risk in surgery, driving your car,

Did you know that you WILL actually loose money in a typical savings account? It is very true. By putting your money into a savings account, you need to beat the rate of inflation before you can even say you're gaining money. In a typical saving account, you may put in $10,000 this year and end up with the equivalent