Investment Choices

Most portfolios are concentrated in mutual funds, ETFs, stocks and bonds. Other securities are included if they fit your investment objectives.

For the socially responsible investor, we offer attractive equity and fixed income opportunities in socially and environmentally responsible companies and mutual funds.

All securities are purchased and sold for you without commissions to avoid conflicts of interests.

Major Investments Available

  • Mutual Funds
  • Exchange Traded Funds (ETFs)
  • Individual Equities (stocks)
  • Stock Options
  • Preferred Stocks
  • Corporate Bonds
  • Municipal Bonds
  • Socially Responsible Funds
  • Treasury Bills, Notes and Bonds
  • 529 College Saving Plans
  • U.S. Government Bonds
  • U.S. Agency Bonds
  • Bank CD’s
  • CMO’s
  • Unit Investment Trusts
  • REITs

Please contact us if you want to simplify and improve your life.

Eric Linger, dba Sherwood Investments, is a registered investment advisor in the State of Washington. The advisor transacts business only in states where it is appropriately registered or exempted from registration. Individualized responses to persons that involve either the effecting of transaction in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption.

How to Choose the Best Investment Choices for Your Goals

Investing can grow your money over time and achieve your financial objectives. But with so many investment choices available, how do you decide which ones are right for you?

Here are some factors to consider when choosing your investments:

Your risk tolerance:

This is how much risk you will take with your money. It would be best if you chose investments that match your risk tolerance and that you can hold for the long term without panicking during market fluctuations. Generally, higher-risk investments offer higher potential returns and chances of losing money. Lower-risk investments offer lower potential returns but also lower chances of losing money.

Your time horizon:

How long you plan to invest your money before you need it. Generally, longer time horizons allow you to take more risk and invest in volatile assets such as stocks or stock funds. Shorter time horizons require more caution and investing in more stable investments such as bonds or cash equivalents.

Your goals:

This is what you want to achieve with your money. Different plans may require additional investment strategies and asset allocations. For example, if you are saving for retirement, you may want to invest in a diversified portfolio of stocks and bonds that can grow over time and provide income in retirement. If you are saving for a short-term goal, such as a vacation or a car purchase, you may want to invest in a high-yield savings account or a CD that can preserve your principal and earn some interest.

Some examples of investment choices are:

High-yield savings accounts:

These online bank accounts pay higher interest rates than traditional ones. They are ideal for short-term goals or emergency funds because they offer easy access to your money and a low risk of losing value.

Certificates of deposit (CDs):

These fixed-term deposits pay a fixed interest rate until maturity. They are suitable for short-term goals or conservative investors because they offer guaranteed returns and protection from inflation.

Money market funds:

These mutual funds invest in short-term debt securities such as Treasury bills or commercial paper. They are appropriate for short-term goals or liquidity needs because they offer the stability of principal and easy access to your money.

Government bonds:

These are debt securities issued by governments that pay regular interest payments and return the principal at maturity. They are suitable for medium- to long-term goals or income-oriented investors because they offer low risk of default and moderate returns.

Corporate bonds:

These are debt securities issued by corporations that pay regular interest payments and return the principal at maturity. They are suitable for medium- to long-term goals or income-oriented investors because they offer higher returns than government bonds but also higher risk of default.

Mutual funds:

These are pooled investments that invest in a variety of assets such as stocks, bonds, commodities, real estate, etc. They are suitable for medium- to long-term goals or growth-oriented investors because they offer diversification and professional management.

Index funds:

These are mutual funds that track the performance of a specific market index such as the S&P 500 or the Nasdaq 100. They are suitable for medium- to long-term goals or passive investors because they offer low fees and consistent returns.

 

Choosing the best investment choices for your goals depends on your personal situation and preferences. You should always do your research before investing and consult a financial advisor if needed.

“We work with you so your investments fit your objectives.”

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