What Are Short-Term Investments?

Short-term investments, also known as marketable securities or temporary investments, are financial investments that can easily be converted to cash, typically within 5 years. Many short-term investments are sold or converted to cash after a period of only months. Some common examples of short-term investments include CDs, money market accounts, high-yield savings accounts, government bonds, and Treasury bills. Usually, these investments are high-quality and highly liquid assets or investment vehicles.

Short-term investments may also refer specifically to financial assets—of a similar kind, but with a few additional requirements—that are owned by a company. Recorded in a separate account, and listed in the current assets section of the corporate balance sheet, short-term investments in this context are investments that a company has made that are expected to be converted into cash within one year.

How Short-Term Investments Work

The goal of a short-term investment—for both companies and individual or institutional investors—is to protect capital while also generating a return similar to a Treasury bill index fund or another similar benchmark.

Companies in a strong cash position will have a short-term investments account on their balance sheet. As a result, the company can afford to invest excess cash in stocks, bonds, or cash equivalents to earn higher interest than what would be earned from a normal savings account.

There are two basic requirements for a company to classify an investment as short-term. First, it must be liquid, like a stock listed on a major exchange that trades frequently or U.S. Treasury bonds. Second, the management must intend to sell the security within a relatively short period, such as 12 months. Marketable debt securities, aka "short-term paper," that mature within a year or less, such as U.S. Treasury bills and commercial paper, also count as short-term investments.

Marketable equity securities include investments in common and preferred stock. Marketable debt securities can include corporate bonds—that is, bonds issued by another company—but they also need to have short maturity dates and should be actively traded to be considered liquid.

Short-Term Investments vs. Long-Term Investments

Unlike long-term investments, which are designed to be bought and held for a period of at least a year, short-term investments are bought knowing they will be quickly sold. Typically, long-term investors are willing to accept a higher level of volatility or risk, with the idea that these "bumps" will eventually smooth out over a long period—as long as, of course, the investment is growing in a positive trajectory. Long-term investments are also used by individuals that are able to stow away their money and don't have immediate needs for it (such as to buy a car or a house).

Advantages and Disadvantages of Short-Term Investments

Short-term investments help ground an investor's portfolio. Although they typically offer lower rates of return compared to investing in an index fund over time, they are highly liquid investments that give investors the flexibility of making money they can withdraw quickly, if needed.

For a business, long-term investments are not counted as income until they are sold. This means that companies that decide to hold or invest in short-term investments count any fluctuations in price at the market rate. This means short-term investments that decline in value are marked down as a loss for the company on the income statement.

Examples of Short-Term Investments

Some common short-term investments and strategies used by corporations and individual investors include:

• Certificates of deposit (CDs): These deposits are offered by banks and typically pay a higher interest rate because they lock up cash for a given period. They are FDIC-insured up to $,
• Money market accounts: Returns on these FDIC-insured accounts will beat those on savings accounts, but require a minimum investment. Keep in mind that money market accounts differ from money market mutual funds, which are not FDIC-insured.
• Treasuries: There are a variety of these government-issued bonds, such as notes, bills, floating-rate notes, and Treasury Inflation-Protected Securities (TIPS).
• Bond funds: Offered by professional asset managers/investment companies, these funds are better for a shorter time frame and can offer better-than-average returns for the risk. Just be aware of the fees.
• Municipal bonds: These bonds, issued by local, state, or non-federal government agencies, can offer higher yields and tax advantages since they are often exempt from income taxes.
• Peer-to-peer (P2P) lending: Excess cash can be put into play via one of these lending platforms that match borrowers to lenders.
• Roth IRAs: For individuals, these vehicles can offer flexibility and a variety of investment options. Contributions, but not gains, to Roth IRAs can be withdrawn at any time, without penalty or taxes due.

Real-Life Example of Short-Term Investments

On its quarterly statement dated Dec. 31, , Microsoft Corp. reported holding $ billion of short-term investments on its balance sheet. The biggest component was U.S. government and agency securities, which was $ billion. This was followed by corporate notes/bonds worth $8 billion, foreign government bonds worth $7 billion, mortgage/asset-backed securities at $ billion, certificates of deposit (CDs) at $2 billion, and municipal securities at $ million.

Short-Term Investments FAQs

What Are the Best Short-Term Investments?

Some of the best short-term investment options include CDs, money market accounts, high-yield savings accounts, government bonds, and Treasury bills. Check their current interest rates or rates of return to discover which is best for you.

Where Can I Invest for 6 Months?

Common short-term investment vehicles include CDs, money market accounts, high-yield savings accounts, government bonds, and Treasury bills.

What Is the Best Way to Invest $5,?

Based on experience and risk tolerance, investors will differ on this question. However, many financial analysts will say the best way to invest $5, is to put it in a mutual fund or exchange-traded fund that tracks the S&P and keep it for the long run.

What Can You Invest in With Little Money?

Individuals with only a little bit of cash have a lot of options. They can put the money in any investments that don't require a minimum balance, such as certain savings accounts, fractional shares of an index fund, or even cheaper stocks, bonds, and CDs.

The Bottom Line

Short-term investments can be great investments for individual investors and corporations who are looking for both liquid and stable options to grow their wealth. The options are plenty: from CDs to bonds and high-yield savings accounts, it's only up to each investor to do their homework.

About Aditya Birla Capital

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The stock market serves as a one stop destination for every investor’s need. The flexibility it offers in terms of investment avenues is extremely huge. With age and time, an investor’s financial objectives and risk appetite changes. Every investor has different set of goals in life and hence to achieve those, specific investment assets have to be chosen. You should have a financial plan that consists of clear cut goals and time horizon within which those have to be achieved. Some goals such as buying a home or retirement planning have long term duration associated with them. You may need high liquidity on a short term basis as well. As the goals vary, the type of investment assets also varies. Segregate your financial goals on the basis of time horizon and then invest accordingly in short term investment tools and long term investment tools. You can take the help of financial planners who would help you with the relevant investment strategies. Based on your goals, you should know the difference between short term and long term investments. This article will give you a clear understanding about long term investment vs short term investment.

Short term investments and types: These are usually low risk and high liquid instruments. Certificates of Deposit, Treasury Bills, Commercial Paper, Gilt funds, etc. fall under this category. These are preferred by investors who are more interested in capital preservation and moderate returns within a short term.

Treasury Bills:

The maturity period of these bills are less than 91 days. Investors who want high liquidity prefer Treasury bills.

Gilt Funds:

These funds invest only in government securities and are safe instruments as they have no credit risk.

Ultra short term Debt Funds:

These offer better returns compared to other liquid funds and the maturity period ranges between 3 and 6 months.

Large Cap Mutual Funds:

Here, a large proportion of your money is invested in companies with huge market capitalization. These give good returns within a short duration say 1 to 3 years. Large cap mutual funds offer stable returns and are low risk instruments as the investments are made in well established companies.

Long term investment and types: These instruments are usually considered to be associated with high risk and also provide high returns. Those investors who need capital appreciation prefer these avenues.

Stocks:

Investing in stocks has proved to be one of the best ways to get good returns. We have come across investors who bought a share at a very low price 15 or 20 years ago, the value of which has increased tremendously making them millionaires. A thorough research about the company is needed before buying its shares. The growth prospects and future potential has to be understood as you will be putting your hard earned money in the company for a long term. As the stock prices tend to move up and down, careful approach and guidance is needed on when to hold a stock, when to sell and when to buy. A constant monitoring of the market and the company in particular is needed so as to take the correct investment decision.

Equity Mutual Funds:

Investors who have a high risk appetite can invest in equity mutual funds especially in mid cap and small cap funds that are capable of providing high returns.

Short term instruments help you to achieve your goals in a short span and also with low risk. Whereas long term instruments help you achieve greater financial goals provided you are willing to take high risk.

Hope this article has cleared all your doubts about long term investment vs short term investment. Chalk out a financial plan, open your demat and trading account with a SEBI registered broking and start investing today!

Typically, short-term investments involve less risk than long-term investments, which give your money more time to grow and to recover from dips in the market. Having clear financial goals can help you decide whether to choose short- or long-term investments, and which vehicles within those categories make the most sense for you.

Without a concrete idea for what to do with your money, you could choose investments that are too risky, leading you to lose money allocated for financial goals such as a down payment. Or, you could fall short of your goals if you play it too safe and miss out on growth for things like retirement savings.

Here are the primary differences between short- and long-term investments and how to match them to your personal and financial goals.

Short-Term Investments vs. Long-Term Investments

When you invest for the short term, you'll need access to your money sooner, which means it's best to choose less risky investments. Conversely, when investing for the long term, your money has more time to recover from losses and to take advantage of growth in the stock market. That makes it more practical to pursue options that carry some risk.

Below are some of the key features of short-term and long-term investments.

What Is a Short-Term Investment?

Making a short-term investment generally means you plan to access the money in three years or less. Ideally, the investment method you choose should shield your money from losing value in such a short time. That typically means there's a trade-off: Your money will be safer, but you won't see as much growth as a riskier investment vehicle might provide.

Examples of short-term investments include anything highly liquid—in other words, investments you can cash in easily. That can include traditional or high-yield savings accounts, U.S. Treasury bills (not to be confused with longer-maturity Treasury bonds), money market accounts and short-term certificates of deposit (CDs). Bonds can also come with maturity dates of one to three years.

Especially in a low interest rate environment, your potential returns on a short-term investment may only serve to minimize losses due to inflation. As of early , for example, interest rates on three-year CDs rarely topped %. But that's still better than keeping your money stashed in cash at home or in a savings account that pays an average % interest, according to the Federal Deposit Insurance Corporation (FDIC), for example.

What Is a Long-Term Investment?

A long-term investing plan can involve higher-risk choices because your money has more time to bounce back after incurring losses. In most cases, making a long-term investment means you don't plan to access the money for 10 years or more. Saving in a retirement account such as an IRA or (k) is a way of investing for the long term.

Some types of long-term investments include stocks, longer-maturity bonds and mutual funds—or a group of investments, including stocks and bonds, overseen by a fund manager. Exchange-traded funds (ETFs) are another type of investment that includes groups of stocks or bonds, but that can be traded more often than mutual funds. Real estate investment trusts (REITs) are also long-term investment options that allow investors to put their money toward real estate projects likely to produce returns. You'll buy shares in a REIT just as a stock gives you a share in a company.

The average consumer can protect themselves against some of the ups and downs of long-term investing by regularly contributing to a retirement or brokerage account, no matter the current state of the market. That's a strategy called dollar cost averaging, and it means that you'll have the opportunity to buy more stocks when they're priced lower and less when they're more expensive. In practice, this simply means setting up regular contributions—perhaps monthly or every time you get a paycheck—and leaving your money alone instead of trying to time the market.

Short-Term vs. Long-Term Investing: Which Should You Choose?

It's wise to have both short- and long-term investments that are matched to your goals. Setting aside money in a money market account or a CD is a good idea if you plan to use the money for a honeymoon in a year or two. An emergency fund, which should be accessible immediately, is better off in a high-yield or traditional savings account you can easily withdraw from.

Simultaneously, you may allocate other types of funds for long-term plans. Perhaps you save in a retirement account like a (k), and separately in a brokerage account because you plan to buy a house in 10 to 15 years. Choosing both short- and long-term investments makes sense as you set goals and priorities, as long as you also maintain a solid foundation of emergency savings.

In financial markets, there is no alternative for quick wealth creation. Investing is the long-drawn process, where patience, commitment and close attention are required. Your capital can be invested in the short term and long term. Both forms of investment have their distinct merits and demerits.

Market experts suggest doing appropriate research before making investments. What’s suitable for another investor might not be in sync with your financial objectives. So, you must take into account your overall goals along with the risks that you are willing to take.

What is a Short Term Investment?

Short-term investments are traded for a short period; typically up to three years. These are high liquidity instruments, generally involving lesser market risks. The following types of financial instruments fall under the category of short-term investments:

• Treasury bills: These bills can be redeemed within 91 days and is a high liquidity instrument.
• Gilt Funds: These funds invest only in government securities. Owing to zero credit risk, these are safe investment funds.
• Ultra short term debt funds: The maturity period ranges between three to six months and provide comparatively higher returns.
• Low duration debt funds: The maturity period ranges between six and 12 months. These funds invest in debt and money market instruments.
• Money market funds:These funds invest in money market instruments and have a redemption period of up to one year.
• Bank fixed deposits: The tenure can range from 14 days to 10 years. These deposits can be renewed on maturity. Liquidity can be a concern here as some banks don’t allow premature withdrawals.
• Company fixed deposits:These can have a tenure of more than one year.
• Post office time deposits: These have tenures ranging from one to five years.
• Recurring deposits:You can open an RD for a duration as low as six months.
• Sweep-in-Fixed Deposits:As against low returns on savings accounts, these offer comparatively higher returns, with a minimum tenure of around 12 months.
• Large-cap mutual funds: • These funds invest your money in companies with a large market capitalization and provide stable returns after being invested in a short duration of between one and three years. As the investments are made in large, well-established companies, these funds are low-risk instruments.

What is a Long Term Investment?

Long term investments are investments that offer higher returns after several years; typically five years or more. These involve more market risks and higher returns thus allowing you to invest in aggressive market instruments. These investment options are of the following types:

Stocks:

Stocks are the physical representation of a part of a company’s value. A company offers Initial Public Offering (IPO) to investors to raise funds for its businesses after which the shares of the company are traded in stock exchanges. Investment in stocks earns the highest returns from the market of up to 16%, the highest amongst all investment avenues. In the digital age, it has become easy to trade in stocks.

However, considerable market expertise is required before investing in shares. You must understand the market movements so that you know when to purchase, and when to sell the stocks. Investing in stocks and securities requires a trusted financial partner, who can provide hassle-free features to open an online Demat Account and a trading account.

You should also look for features like brokerage cashback, free AMC period for Demat Account and zero Demat Account opening fees. Ensure that you receive the best market reports for maximum profit booking.

Equity mutual funds

This is another long term investment avenue for receiving higher returns. You can invest in small and mid-cap equity mutual funds for the long term to achieve greater financial goals.

Which is Better – Short Term or Long Term Investment?

There is no clear winner here as both have their pros and cons. Short term investment allows you to achieve your financial goals within a short span, with a lower risk. On the other hand, if you have a greater risk appetite, wanting higher returns, you can select long term investment avenues.

If you want to preserve your capital and are happy with moderate returns then choose short term investments. But, if your goal is higher returns, then invest in long term investment avenues.

Conclusion

Thus, online trading has made share trading easier, convenient, quick and hassle-free. You should remember to open a trading account only from a trusted financial partner, who can provide a single platform for different investment options. Besides, ensure that the financial company offers the best stock and scheme recommendations for the highest profits.

One of the best ways to secure your financial future is to invest, and one of the best ways to invest is over the long term. It may have been tempting over the past few years to deviate from a long-term approach and chase quick returns. But with the market&#x;s current high valuations, it&#x;s more important than ever to focus on investing for the long haul while sticking to your game plan.

Investors today have many ways to invest their money and can choose the level of risk that they&#x;re willing to take to meet their needs. You can opt for very safe options such as a certificate of deposit (CD) or dial up the risk &#x; and the potential return! &#x; with investments such as stocks, mutual funds or ETFs.

Or you can do a little of everything, diversifying so that you have a portfolio that tends to do well in almost any investment environment.

The best long-term investments in March

1. Growth stocks
2. Stock funds
3. Bond funds
4. Dividend stocks
5. Value stocks
6. Target-date funds
7. Real estate
8. Small-cap stocks
9. Robo-advisor portfolio
10. Roth IRA

Overview: Top long-term investments in March

1. Growth stocks

In the world of stock investing, growth stocks are the Ferraris. They promise high growth and along with it, high investment returns. Growth stocks are often tech companies, but they don&#x;t have to be. They generally plow all their profits back into the business, so they rarely pay out a dividend, at least not until their growth slows.

Growth stocks can be risky because often investors will pay a lot for the stock relative to the company&#x;s earnings. So when a bear market or a recession arrives, these stocks can lose a lot of value very quickly. It&#x;s like their sudden popularity disappears in an instant. However, growth stocks have been some of the best performers over time.

If you&#x;re going to buy individual growth stocks, you&#x;ll want to analyze the company carefully, and that can take a lot of time. And because of the volatility in growth stocks, you&#x;ll want to have a high risk tolerance or commit to holding the stocks for at least three to five years.

Risk/reward: Growth stocks are among the riskier segments of the market because investors are willing to pay a lot for them. So when tough times arrive, these stocks can plummet. That said, the world&#x;s biggest companies &#x; the Alphabets, the Amazons &#x; have been high-growth companies, so the reward is potentially limitless if you can find the right company.

2. Stock funds

If you&#x;re not quite up for spending the time and effort analyzing individual stocks, then a stock fund &#x; either an ETF or a mutual fund &#x; can be a great option. If you buy a broadly diversified fund &#x; such as an S&P index fund or a Nasdaq index fund &#x; you&#x;re going to get many high-growth stocks as well as many others. But you&#x;ll have a diversified and safer set of companies than if you own just a few individual stocks.

A stock fund is an excellent choice for an investor who wants to be more aggressive by using stocks but doesn&#x;t have the time or desire to make investing a full-time hobby. And by buying a stock fund, you&#x;ll get the weighted average return of all the companies in the fund, so the fund will generally be less volatile than if you had held just a few stocks.

If you buy a fund that&#x;s not broadly diversified &#x; for example, a fund based on one industry &#x; be aware that your fund will be less diversified than one based on a broad index such as the S&P So if you purchased a fund based on the automotive industry, it may have a lot of exposure to oil prices. If oil prices rise, then it&#x;s likely that many of the stocks in the fund could take a hit.

Risk/reward: A stock fund is less risky than buying individual positions and less work, too. But it can still move quite a bit in any given year, perhaps losing as much as 30 percent or even gaining 30 percent in some of its more extreme years.

That said, a stock fund is going to be less work to own and follow than individual stocks, but because you own more companies &#x; and not all of them are going to excel in any given year &#x; your returns should be more stable. With a stock fund you&#x;ll also have plenty of potential upside. Here are some of the best index funds.

3. Bond funds

A bond fund &#x; either as a mutual fund or ETF &#x; contains many bonds from a variety of issuers. Bond funds are typically categorized by the type of bond in the fund &#x; the bond&#x;s duration, its riskiness, the issuer (corporate, municipality or federal government) and other factors. So if you&#x;re looking for a bond fund, there&#x;s a variety of fund choices to meet your needs.

When a company or government issues a bond, it agrees to pay the bond&#x;s owner a set amount of interest annually. At the end of the bond&#x;s term, the issuer repays the principal amount of the bond, and the bond is redeemed.

A bond can be one of the safer investments, and bonds become even safer as part of a fund. Because a fund might own hundreds of bond types, across many different issuers, it diversifies its holdings and lessens the impact on the portfolio of any one bond defaulting.

Risk/reward: While bonds can fluctuate, a bond fund will remain relatively stable, though it may move in response to movements in the prevailing interest rate. Bonds are considered safe, relative to stocks, but not all issuers are the same. Government issuers, especially the federal government, are considered quite safe, while the riskiness of corporate issuers can range from slightly less to much more risky.

The return on a bond or bond fund is typically much less than it would be on a stock fund, perhaps 4 to 5 percent annually but less on government bonds. It&#x;s also much less risky.

4. Dividend stocks

Where growth stocks are the sports cars of the stock world, dividend stocks are sedans &#x; they can achieve solid returns but they&#x;re unlikely to speed higher as fast as growth stocks.

A dividend stock is simply one that pays a dividend &#x; a regular cash payout. Many stocks offer a dividend, but they&#x;re more typically found among older, more mature companies that have a lesser need for their cash. Dividend stocks are popular among older investors because they produce a regular income, and the best stocks grow that dividend over time, so you can earn more than you would with the fixed payout of a bond. REITs are one popular form of dividend stock.

Risk/reward: While dividend stocks tend to be less volatile than growth stocks, don&#x;t assume they won&#x;t rise and fall significantly, especially if the stock market enters a rough period. However, a dividend-paying company is usually more mature and established than a growth company and so it&#x;s generally considered safer. That said, if a dividend-paying company doesn&#x;t earn enough to pay its dividend, it will cut the payout, and its stock may plummet as a result.

The big appeal of a dividend stock is the payout, and some of the top companies pay 2 or 3 percent annually, sometimes more. But importantly they can raise their payouts 8 or 10 percent per year for long periods of time, so you&#x;ll get a pay raise, typically each year. The returns here can be high, but won&#x;t usually be as great as with growth stocks. And if you&#x;d prefer to go with a dividend stock fund so that you can own a diversified set of stocks, you&#x;ll find plenty available.

5. Value stocks

With the market running up so much in the last couple years, valuations on many stocks have been stretched. When that happens, many investors turn to value stocks as a way to be more defensive and still potentially earn attractive returns.

Value stocks are those that are cheaper on certain valuation metrics such as a price-earnings ratio, a measure of how much investors are paying for every dollar of earnings. Value stocks are contrasted against growth stocks, which tend to grow faster and where valuations are higher.

Value stocks might be an attractive option in because they tend to do well when interest rates are rising. And the Federal Reserve has indicated that it could raise rates this year.

Risk/reward: Value stocks often have less downside, so if the market falls, they tend to fall less. And if the market rises, they can still rise, too. Plus, they may be able to actually rise faster than other non-value stocks, if the market favors them again, pushing their valuations up. So the appeal of value stocks is that you can get above-average returns while taking on less risk.

Many value stocks also pay dividends, too, so you can get some extra return there, too.

6. Target-date funds

Target-date funds are a great option if you don&#x;t want to manage a portfolio yourself. These funds become more conservative as you age, so that your portfolio is safer as you approach retirement, when you&#x;ll need the money. These funds gradually shift your investments from more aggressive stocks to more conservative bonds as your target date nears.

Target-date funds are a popular choice in many workplace (k) plans, though you can buy them outside of those plans, too. You pick your retirement year and the fund does the rest.

Risk/reward: Target-date funds will have many of the same risks as stock funds or bond funds, since it&#x;s really just a combination of the two. If your target date is decades away, your fund will own a higher proportion of stocks, meaning it will be more volatile at first. As your target date nears, the fund will shift toward bonds, so it will fluctuate less but also earn less.

Since a target-date fund gradually moves toward more bonds over time, it will typically start to underperform the stock market by a growing amount. You&#x;re sacrificing return for safety. And since bonds are yielding less and less these days, you have a higher risk of outliving your money.

To avoid this risk, some financial advisors recommend buying a target-date fund that&#x;s five or 10 years after when you actually plan to retire so that you&#x;ll have the extra growth from stocks.

7. Real estate

In many ways, real estate is the prototypical long-term investment. It takes a good bit of money to get started, the commissions are quite high, and the returns often come from holding an asset for a long time and rarely over just a few years. Still, real estate was Americans&#x; favorite long-term investment in , according to one Bankrate study.

Real estate can be an attractive investment, in part because you can borrow the bank&#x;s money for most of the investment and then pay it back over time. That&#x;s especially popular as interest rates sit near attractive lows. For those who want to be their own boss, owning a property gives them that opportunity, and there are numerous tax laws that benefit owners of property especially.

Understanding the difference between long-term and short-term investments may help investors build their investing strategies. Developing this knowledge can be the first step in identifying the investment securities that are suitable for your goals. Here's what to consider.

What Are Long-Term Investments?

Long-term investments are bought and held for multiple years, such as 10 years or more. This investing strategy may be suitable for long-term financial goals such as retirement, and can include certain stocks and mutual funds.

When an investor has several years or more until they plan to begin making withdrawals from their investment accounts, they might see themselves as being in a position to take on more risk than if they had only a few years to invest. This is because the longer periods of time could allow the investments to potentially recover from periodic declines in value. Of course, such a recovery is not guaranteed; any investment can gain or lose value over time, including the possible loss of the principal investment value.

What Are Short-Term Investments?

Short-term investments are typically bought and held for a shorter period of time — generally three years or less. They are typically suitable for needs or goals that are more immediate or in the near future. If an investor chooses a short-term investing period, they might consider investment types that have relatively low market risk. Seeking lower market risk does not guarantee gains or a sustained principal value, though.

Examples of short-term investments can include certificates of deposit (CDs), money market accounts, government bonds and Treasury bills.

Long-Term vs. Short-Term Investing

Here are some of the differences between long-term investing and short-term investing:

• Time Horizon: The length of time before you begin taking withdrawals from your investment accounts defines your time horizon. Long-term is generally considered to be 10 years or more, while short-term is generally three years or less.
• Market Risk: Market risk is the possibility that assets exposed to the market may lose value. The level of market risk that's associated with an investment depends on the type of investment and your strategy. As you determine whether short- or long-term investments are right for you, consider discussing market risk with a financial professional.
• Investing Goals: Long-term investment goals typically take years or decades to reach and may include retirement and saving for college. Short-term investing goals may take months or a few years. Examples of short-term investing goals can include saving for a vacation, wedding or home improvement.

Planning Long-Term & Short-Term Investing Strategies

Long-term investment strategies can help support major purchases or life events that are several years or even decades away. Since long-term savings goals, such as retirement or college, often require large sums of money, it might help to plan your investment strategy as far in advance as possible.

Short-term investment strategies are typically designed for smaller goals that may be months or a few years away. Because of the shorter time frame, investment types that are appropriate for short-term goals are typically different than investment types used for long-term goals.

Even though they may have different time horizons and different associated tactics, long-term investment strategies and short-term investment strategies can both be formed in part by answering some of the same questions.

Here are some questions to explore before forming investment strategies:

• How much money will you need? To answer this question, you may need to make a few related assumptions. For example, if you're saving for retirement, you'll likely want to consider your life expectancy, desired retirement lifestyle and health care needs, among other factors.
• How will taxes factor into your investment strategy? Like inflation, taxes can have a large impact on your investment strategy. For example, you may want to consider accounts with specific tax features, such as college savings plans, which offer tax-deferred growth of your investment.
• When will withdrawals begin? This is another way of asking how long your investing strategy will be. For example, if you're saving for your child's education, you could assume that withdrawals will begin in their first year of college.
• How long will withdrawals last? You might prefer to not end a long-term investment strategy with one lump sum withdrawal. For example, if you expect to retire at age 65 and assume a life expectancy of 85 years, you might want your withdrawals to last 20 years. However, for short-term goals, such as a vacation, you might withdraw one lump sum.
• Will you invest a lump sum or make recurring investments? When calculating the ultimate amount you can potentially reach by the end of your savings goal, you'll need to assume the frequency of payments or investment purchases. For example, will you invest a lump sum up front? Will you contribute a certain amount at the beginning of each year or will you invest a fixed amount every month?
• Which investment types will you use? The investment types you use may be chosen according to the rate of return you want and your tolerance for risk. The amount of time you have to invest can also help you determine the investment type to choose.

Put simply, long-term investment strategies can be useful for anyone who has a savings goal that is at least several years away. In the world of personal finance, long-term goals are generally considered to be at least seven to 10 years away.

Long-term investment strategies might be considered by investors who want to:

• Save for Retirement: This is a common reason for a long-term investment strategy. This is because, for many, retirement can be the largest financial goal of a lifetime, as well as the longest to reach.
• Save for College: Higher education is expensive and the cost is rising. Long-term investment strategies can be an important means of paying for college.
• Build Wealth: Long-term investment strategies could help grow money over time.

It's important to keep in mind that the typical long-term investment types are not appropriate for all investors. For example, stocks and stock mutual funds can potentially make useful long-term investments. However, the potentially higher relative performance of stock investments comes with greater market risk. Therefore, people with low tolerance for risk might consider other investment types to diversify their holdings with lower-risk investments.

People investing for savings goals that are less than three years away may think about exploring short-term investment strategies.

Short-term investment strategies might be considered by people who are saving for:

• Vacations: You might prefer to plan that big trip you've always wanted by funding it with money you've invested, rather than putting it on a credit card and accruing debt, for example.
• Weddings: You may have anywhere from a few months to a few years to save for all of the expenses related to a wedding. The right short-term saving strategy can help make your big day the best it can be.
• Gifts: Whether it's for birthdays or major holidays, you may choose to keep money in an interest-bearing account for purchasing gifts for friends and family.
• Home Improvement: Rather than take money out of home equity, a short-term investing strategy may help you fund home improvement renovations or projects.

Balancing Strategy With Need

Your time horizon, or the number of years until withdrawals from the investments are expected to begin, is one determining factor in choosing suitable investment types. Just like planning a trip, you want to choose the best vehicle to get you where you want to go.

It's important to note that investors should also consider their risk tolerance when choosing investments. Although stocks and stock mutual funds may be appropriate for long-term investment strategies, these securities may not be suitable for an investor based on other aspects of their consumer profile.

Also, keep in mind that planning for long-term savings goals could be more complex than short-term savings goals. If you're planning for long-term goals, such as retirement, it might be helpful to use a retirement calculator. It may also be helpful to speak with a financial representative who can help form and implement your investment strategy.

Related Products
Investments

There are two ways to understand the difference between short term and long term investments.

The definition is simple. A short term investment is any asset you hold for one year or less. Most investors hold short term investments for no more than a few months at a time, if not several weeks. A long term investment is any asset you hold for more than one year. Most investors hold long term investments for several years as part of an overall strategy for their portfolio.

Now for the long version.

What Is Short Term Investing vs. Long Term Investing?

Short term investments and long term investments are distinguished by how you use them. A stock will be a short term investment in the hands of a day trader who sells it within a few hours. When held in a (k) for several years, that same stock would be considered a long term investment.

Common Profile for a Short Term Investment

As noted above, short term investments are financial instruments that you hold for less than a year. Most traders will hold a short term investment for several months at the most, looking to profit off volatility and near-term gains.

While any asset can technically be a short term investment, most will share a few common features. They will typically be volatile assets, letting the price move quickly enough for investors to profit off the asset within a brief period. They will generally have relatively small price movements. Finally, a short term investment will also generally be highly liquid, allowing investors to sell the asset fairly quickly.

Common short term investments include products such as stocks, options and ETFs, all volatile assets with existing markets that allow rapid sale.

In particular, day traders and active traders often hold significant short term investments.

Common Profile for a Long Term Investment

Long term investments are financial instruments that you hold for more than a year. Most traders hold these investments for several years at a time, building them into portfolios with a specific strategy, such as (k)s, college funds and long term savings accounts.

As with short term investments, any asset can be a long term investment. However common long term investments gain value slowly but predictably, making them better assets to hold over several years. Investors will also usually hold illiquid assets as long term investments.

The most common long term investment is real estate. Many people buy homes as an investment that they will hold for years, if not decades, allowing the property to accrue value. The process of buying and selling a house, which makes this investment very illiquid, would make this a difficult short term investment but is less of a problem over a period of years.

Other common long term investments include many mutual funds and bonds.

Long term investments are common for most retirement accounts and college funds, portfolios which tend to trade relatively rarely and count on long term growth.

The Role of Short Term and Long Term Investments

Short term and long term investments play different roles in a portfolio. A few of the more common strategic differences include:

Volatility

Short term investments trend toward more volatile assets than long term positions. While volatility isn&#x;t necessarily a benefit for investments that last years, short term traders generally rely on it to realize a profit.

Smaller Movement

Short term investments tend to seek out positions that will gain or lose less value than long term investments. A trader has less time for a short term investment to regain any value that it loses, so they tend to look for safer products which will post some gains in the immediate future. Traders who hold short term positions tend to try to make up for smaller gains by making more frequent trades.

Note that day traders are a common exception to this rule. They tend to look for high volatility swings, capitalizing on sudden price movements in an asset over a course of hours.

Aggressive

Long term investments can take a more aggressive position than short term ones, because they can better afford losses. An investor who plans on holding a particular asset for several years has time to recover any lost value, which can often happen with aggressive or risky investments. Short term investments have considerably less room for this kind of error.

Passive vs. Active Investing

Active investors often hold short term positions. These traders move their products fairly often, which by definition tends to make their assets short term investments. By contrast passive investors generally buy and hold their assets for longer periods of time. Again, by definition, this tends to make their assets long term investments.

Immediate vs. Horizon Goals

Finally, investors tend to choose investments based on their goals.

Investors who have immediate goals will generally hold short term investments. For example, professional traders often hold short term investments if they live off the profits that their trading generates. In this case, the investor&#x;s goals will be to make income within the explain the difference between short-term and long-term investments. cite examples of each week or month. Other investors might want to add a little value to a vacation fund or save up for a nicer car. All of these positions will likely close out within the coming year, and as a result will generally be made out of stocks, options and other short-term positions.

Then there are the investors with horizon goals. These are investors who are saving and trading for something far in the future. Retirement accounts are a common example of a horizon goal as, increasingly, are savings for a down payment on a house. An investor won&#x;t close this position out within the next year. Instead, they&#x;ll hold this portfolio for many years to come. It&#x;s common to fill that portfolio, then, with long term investments that grow over time.

Eric Reed is a freelance journalist based in Boston.

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What Are Short-Term Investments?

Short-term investments, also known as marketable securities or temporary investments, are financial investments that can easily be converted to cash, typically within 5 years. Many short-term investments are sold or converted to cash after a period of only months. Some common examples of short-term investments include CDs, money market accounts, high-yield savings accounts, government bonds, and Treasury bills. Usually, these investments are high-quality and highly liquid assets or investment vehicles.

Short-term investments may also refer specifically to financial assets—of a similar kind, but with a few additional requirements—that are owned by a company. Recorded in a separate account, and listed in the current assets section of the corporate balance sheet, short-term investments in this context are investments that a company has made that are expected to be converted into cash within one year.

How Short-Term Investments Work

The goal of a short-term investment—for both companies and individual or institutional investors—is to protect capital while also generating a return similar to a Treasury bill index fund or another similar benchmark.

Companies in a strong cash position will have a short-term investments account on their balance sheet. As a result, the company can afford to invest excess cash in stocks, bonds, or cash equivalents to earn higher interest than what would be earned from a normal savings account.

There are two basic requirements for a company to classify an investment as short-term. First, it must be liquid, like a stock listed on a major exchange that trades frequently or U.S. Treasury bonds. Second, the management must intend to sell the security within a relatively short period, such as 12 months. Marketable debt securities, aka "short-term paper," that mature within a year or less, such as U.S. Treasury bills and commercial paper, also count as short-term investments.

Marketable equity securities include investments in common and preferred stock. Marketable debt securities can include corporate bonds—that is, bonds issued by another company—but they also need to have short maturity dates and should be actively traded to be considered liquid.

Short-Term Investments vs. Long-Term Investments

Unlike long-term investments, which are designed to be bought and held for a period of at least a year, short-term investments are bought knowing they will be quickly sold. Typically, long-term investors are willing to accept a higher level of volatility or risk, with the idea that these "bumps" will eventually smooth out over a long period—as long as, of course, the investment is growing in a positive trajectory. Long-term investments are also used by individuals that are able to stow away their money and don't have immediate needs for it (such as to buy a car or a house).

Advantages and Disadvantages of Short-Term Investments

Short-term investments help ground an investor's explain the difference between short-term and long-term investments. cite examples of each. Although they typically offer lower rates of return compared to investing in an index fund over time, they are highly liquid investments that give investors the flexibility of making money they can withdraw quickly, if needed.

For a business, long-term investments are not counted as income until they are sold. This means that companies that decide to hold or invest in short-term investments count any fluctuations in price at the market rate. This means short-term investments that decline in value are marked down as a loss for the company on the income statement.

Examples of Short-Term Investments

Some common short-term investments and strategies used by corporations and individual investors include:

• Certificates of deposit (CDs): These deposits are offered by banks and typically pay a higher interest rate because they lock up cash for a given period. They are FDIC-insured up to explain the difference between short-term and long-term investments. cite examples of each market accounts: Returns on these FDIC-insured accounts will beat those on savings accounts, but require a minimum investment. Keep in mind that money market accounts differ from money market mutual funds, which are not FDIC-insured.
• Treasuries: There are a variety of these government-issued bonds, such as notes, bills, floating-rate notes, and Treasury Inflation-Protected Securities (TIPS).
• Bond funds: Offered by professional asset managers/investment companies, these funds are better for a shorter time frame and can offer better-than-average returns for the risk. Just be aware of the fees.
• Municipal bonds: These bonds, issued by local, state, or non-federal government agencies, can offer higher yields and tax advantages since they are often exempt from income taxes.
• Peer-to-peer (P2P) lending: Excess cash can be put into play via one of these lending platforms that match borrowers to lenders.
• Roth IRAs: For individuals, these vehicles can offer flexibility and a variety of investment options. Contributions, but not gains, to Roth IRAs can be withdrawn at any time, without penalty or taxes due.

Real-Life Example of Short-Term Investments

On explain the difference between short-term and long-term investments. cite examples of each quarterly statement dated Dec. 31,Microsoft Corp. reported holding $ billion of short-term investments on its balance sheet. The biggest component was U.S. government and agency securities, which was $ billion. This was followed by corporate notes/bonds worth $8 billion, foreign government bonds worth $7 billion, mortgage/asset-backed securities at $ billion, certificates of deposit (CDs) at $2 billion, and municipal securities at $ million.

Short-Term Investments FAQs

What Are the Best Short-Term Investments?

Some of the best short-term investment options include CDs, explain the difference between short-term and long-term investments. cite examples of each, money market accounts, high-yield savings accounts, government bonds, and Treasury bills. Check their current interest rates or rates of return to discover which is best for you.

Where Can Explain the difference between short-term and long-term investments. cite examples of each Invest for 6 Months?

Common short-term investment vehicles include CDs, money market accounts, high-yield savings accounts, government bonds, and Treasury bills.

What Is the Best Way to Invest $5,?

Based on experience and risk tolerance, investors will differ on this question. However, many financial analysts will say the best way to invest $5, is to put it in a mutual fund or exchange-traded fund that tracks the S&P and keep it for the long run.

What Can You Invest in With Little Money?

Individuals with only a little bit of cash have a lot of options. They can put the money in any investments that don't require a minimum balance, such as certain savings accounts, fractional shares of an index fund, or even cheaper stocks, bonds, and CDs.

The Bottom Line

Short-term investments can be great investments for individual investors and corporations who are looking for both liquid and stable options to grow their wealth, explain the difference between short-term and long-term investments. cite examples of each. The options are plenty: from CDs to bonds and high-yield savings accounts, it's only up to each investor to do their homework.

One of the best ways to secure your financial future is to invest, and one of the best ways to invest is over the long term. It may have been tempting over the past few years to deviate from a long-term approach take surveys make money chase quick returns. But with the market&#x;s current high valuations, it&#x;s more important than ever to focus on investing for the long haul while sticking to your game plan.

Investors today have many ways to invest their money and can choose the level of risk that they&#x;re willing to take to meet their needs. You can opt for very safe options such as a certificate of deposit (CD) or dial up the risk &#x; and the potential return! &#x; with investments such as stocks, mutual funds or ETFs.

Or you can do a little of everything, diversifying so that you have a portfolio that tends to do easy ways to make money business in almost any investment environment.

The best long-term investments in March

1. Growth stocks
2. Stock funds
3. Bond funds
4. Dividend stocks
5. Value stocks
6. Target-date funds
7. Real estate
8. Small-cap stocks
9. Robo-advisor portfolio
10. Roth IRA

Overview: Top long-term investments in March

1, explain the difference between short-term and long-term investments. cite examples of each. Growth stocks

In the world of stock investing, growth stocks are the Ferraris. They promise high growth and along with it, high investment returns. Growth stocks are often tech companies, but they don&#x;t have to be. They generally plow all their profits back into the business, so they rarely pay out a dividend, at least not until their growth slows.

Growth stocks can be risky because often investors will pay a lot for the stock relative to the company&#x;s earnings. So when a bear market or a recession arrives, these stocks can lose a lot of value very quickly. It&#x;s like their sudden popularity disappears in an instant. However, growth stocks have been some of the best performers over time.

If you&#x;re going to buy individual growth stocks, you&#x;ll want to analyze the company carefully, and that can take a lot of time. And because of the volatility in growth stocks, you&#x;ll want to have a high risk tolerance or commit to holding the stocks for at least three to five years.

Risk/reward: Growth stocks are among the riskier segments of the market because investors are willing to pay a lot for them. So when tough times arrive, these stocks can plummet. That said, the world&#x;s biggest companies &#x; the Alphabets, the Amazons &#x; have been high-growth companies, so the reward is potentially limitless if you can find the right company.

2. Stock funds

If you&#x;re not quite up for spending the time and effort analyzing individual stocks, then a stock fund &#x; either an ETF or a mutual fund &#x; can be a great option. If you buy a broadly diversified fund &#x; such as an S&P index fund or a Nasdaq index fund &#x; you&#x;re going to get many high-growth stocks as well as many others. But you&#x;ll have a diversified and safer set of companies than if you own just a few individual stocks.

A stock fund is an excellent choice for an investor who wants to be more aggressive by using stocks but doesn&#x;t have the time or desire to make investing a full-time hobby. And by buying a stock fund, you&#x;ll get the weighted average return of all the companies in the fund, so the fund will generally be less volatile than if you had held just a few stocks.

If you buy a fund that&#x;s not broadly diversified &#x; for example, a fund based on one industry &#x; be aware that your fund will be less diversified than one based on a broad index such as the S&P So if you purchased a fund based on the automotive industry, it may have a lot of exposure to oil prices. If oil prices rise, then it&#x;s likely that many of the stocks in the fund could take a hit.

Risk/reward: A stock fund is less risky than buying individual positions and less work, too. But it can still move quite a bit in any given year, perhaps losing as much as 30 percent or even gaining 30 percent in some of its more extreme years.

That said, a stock fund is going to be less work to own and follow than individual stocks, but because you own more companies &#x; and not all of them are going to excel in any given year &#x; your returns should be more stable. With a stock fund you&#x;ll also have plenty of potential upside. Here are some of the best index funds.

3. Bond funds

A bond fund &#x; either as a mutual fund or ETF &#x; contains many bonds from a variety of issuers. Bond funds are typically categorized by the type of bond in the fund &#x; the bond&#x;s duration, its riskiness, the issuer (corporate, municipality or federal government) and other factors. So if you&#x;re looking for a bond fund, there&#x;s a variety of fund choices to meet your needs.

When a company or government issues a bond, it explain the difference between short-term and long-term investments. cite examples of each to pay the bond&#x;s owner a set amount of interest annually. At the end of the bond&#x;s term, the issuer repays the principal amount of the bond, and the bond is redeemed.

A bond can be one of the safer investments, and bonds become even safer as part of a fund. Because a fund might own hundreds of bond types, across many different issuers, it diversifies its holdings and lessens the impact on the portfolio of any one bond defaulting.

Risk/reward: While bonds can fluctuate, a bond fund will remain relatively stable, though it may move in response to movements in the prevailing interest rate. Bonds are considered safe, relative to stocks, 042 bitcoin value not all issuers are the same. Government issuers, especially the federal government, are considered quite safe, while the riskiness of corporate issuers can range from slightly less to much more risky.

The return on a bond or bond fund is typically much less than it would be on a stock fund, perhaps 4 to 5 percent annually but less on government bonds. It&#x;s also much less risky.

4. Dividend stocks

Where growth stocks are the sports cars of the stock world, dividend stocks are sedans &#x; they can achieve solid returns but they&#x;re unlikely to speed higher as fast as growth stocks.

A dividend stock is simply one that pays a dividend &#x; a regular cash payout. Many stocks offer a dividend, but they&#x;re more typically found among older, more mature companies that have a lesser need for their cash. Dividend stocks are popular among older investors because they produce a regular income, and the best stocks grow that dividend over time, so you can earn more than you would with the fixed payout of a bond. REITs are one popular form of dividend stock.

Risk/reward: While dividend stocks tend to be less volatile than growth stocks, don&#x;t assume they won&#x;t rise and fall significantly, especially if the stock market enters a rough period. However, a dividend-paying company is usually more mature and established than a growth company and so it&#x;s generally considered safer. That said, if a dividend-paying company doesn&#x;t earn enough to pay its dividend, it will cut the payout, and its stock may plummet as a result.

The big appeal of a dividend stock is the payout, and some of the top companies pay 2 or 3 percent annually, sometimes more. But importantly they can raise their payouts 8 or 10 percent per year for long periods of time, so you&#x;ll get a pay raise, typically each year. The returns here can be high, explain the difference between short-term and long-term investments. cite examples of each, but won&#x;t usually be as great as with growth stocks. And if you&#x;d prefer to go with a dividend stock fund so that you can own a diversified set of stocks, you&#x;ll find plenty available.

5. Value stocks

With the market running up so much in the last couple years, valuations on many stocks have been stretched. When that happens, many investors turn to value stocks as a way to be more defensive and still potentially earn attractive returns.

Value stocks are those that are cheaper on certain valuation metrics such as a price-earnings ratio, a measure of how much investors are paying for every dollar of earnings. Value stocks are contrasted against growth stocks, which tend to grow faster and where valuations are higher.

Value stocks might be an attractive option in because they tend to do well when interest rates are rising. And the Federal Reserve has indicated that it could raise rates this year.

Risk/reward: Value stocks often have less downside, so if the market falls, they tend to fall less. And if the market rises, they can still rise, too. Plus, they may be able to actually rise faster than other non-value stocks, if the market favors them again, pushing their valuations up. So the appeal of value stocks is that you can get above-average returns while taking on less risk.

Many value stocks also pay dividends, too, so you can get some extra return there, too.

6. Target-date funds

Target-date funds are a great option if you don&#x;t want to manage a portfolio yourself. These funds become more conservative as you age, so that your portfolio is safer as you approach retirement, when you&#x;ll need the money. These funds gradually shift your investments from more aggressive stocks to more conservative bonds as your target date nears.

Target-date funds are a popular choice in many workplace (k) plans, though you can buy them outside of those plans, too. You pick your retirement year and the fund does the rest.

Risk/reward: Target-date funds will have many of the same risks as stock funds or bond funds, since it&#x;s really just a combination of the two. If your target date is decades away, your fund will own a higher proportion of stocks, meaning it will be more volatile at first. As your target date nears, the fund will shift toward bonds, explain the difference between short-term and long-term investments. cite examples of each, so it will fluctuate less but also earn less.

Since a target-date fund gradually moves toward more bonds over time, it will typically start to stock investing for dummies barnes and noble the stock market by a growing amount. You&#x;re sacrificing return for safety. And since bonds are yielding less and less these days, you have a higher risk of outliving your money.

To avoid this risk, some financial advisors recommend buying a target-date fund that&#x;s five or 10 years after when you actually plan to retire so that you&#x;ll have the extra growth from stocks.

7. Real estate

In many ways, real estate is the prototypical long-term investment. It takes a good bit of money to get started, the commissions are quite high, and the returns often come from holding an asset for a long time and rarely over just a few years. Still, real estate was Americans&#x; favorite long-term investment inaccording to one Bankrate study.

Real estate can be an explain the difference between short-term and long-term investments. cite examples of each investment, explain the difference between short-term and long-term investments. cite examples of each, in part because you can borrow the bank&#x;s money for most of the investment and then pay it back over time. That&#x;s especially popular as interest rates sit near attractive lows. For those who want to be their own boss, owning a property gives them that opportunity, and there are numerous tax laws that benefit owners of property especially.

In financial markets, there is no alternative for quick wealth creation. Investing is the long-drawn process, where patience, commitment and close attention are required. Your capital can be invested in the short term and long term. Both forms of investment have their distinct merits and demerits.

Market experts suggest doing appropriate research before making investments. What’s suitable for another investor might not be in sync with your financial objectives. So, you must take into account your overall goals along with the risks that you are willing to take.

What is a Short Term Investment?

Short-term investments are traded for a short period; typically up to three years. These are high liquidity instruments, generally involving lesser market risks. The following types of financial instruments fall under the category of short-term investments:

• Treasury bills: These bills can be redeemed within 91 explain the difference between short-term and long-term investments. cite examples of each and is a high liquidity instrument.
• Gilt Funds: These funds invest only in government securities. Owing to zero credit risk, these are safe investment funds.
• Ultra short term debt funds: The maturity period ranges between three to six months and provide comparatively higher returns.
• Low duration debt funds: The maturity period ranges between six and 12 months. These funds invest in debt and money market instruments.
• Money market funds:These funds invest in money market instruments and have a redemption period of up to one year.
• Bank fixed deposits: The tenure can range from 14 days to 10 years. These deposits can be renewed on maturity. Liquidity can be a concern here as some banks don’t allow premature withdrawals.
• Company fixed deposits:These can have a tenure of more than one year.
• Post office time deposits: These have tenures ranging from one to five years.
• Recurring deposits:You can open an RD for a duration as low as six months.
• Sweep-in-Fixed Deposits:As against low returns on savings accounts, these offer comparatively higher returns, with a minimum tenure of around 12 months.
• Large-cap mutual funds: • These funds invest your money in companies with a large market capitalization and institutional investor money flow stable returns after being invested in a short duration of between one and three years. As the investments are made in large, well-established companies, these funds are low-risk instruments.

What is a Long Term Investment?

Long term investments are investments that offer higher returns after several years; typically five years or more. These involve skills money making guide market risks and higher returns thus allowing you to invest in aggressive market instruments. These investment options are of the following types:

Stocks:

Stocks are the physical representation of a part of a company’s value. A company offers Initial Public Offering (IPO) to investors to raise funds for its businesses after which the shares of explain the difference between short-term and long-term investments. cite examples of each company are traded in stock exchanges. Investment in stocks earns the highest returns from the market of up to 16%, the highest amongst all investment avenues. In the digital age, it has become easy to trade in stocks.

However, considerable market expertise is required before investing in shares. You must understand the market movements so that you know when to purchase, and when to sell the stocks. Investing in stocks and securities requires a trusted financial partner, who can provide hassle-free features to open an online Demat Account and a trading account.

You should also look for features like brokerage cashback, free AMC period for Demat Account and zero Demat Account opening fees. Ensure that you receive the best market reports for maximum profit booking.

Equity mutual funds

This is another long term investment avenue for receiving higher returns. You can invest in small and mid-cap equity mutual funds for the long term to achieve greater financial goals.

Which is Better – Short Term or Long Term Investment?

There is no clear winner here as both have their pros and cons. Short term investment allows you to achieve your financial goals within a short span, with a lower risk. On the other hand, if you have a greater risk appetite, wanting higher returns, you can select long term investment avenues.

If you want to preserve your capital and are happy with moderate returns then choose short term investments. But, if your goal is higher returns, then invest in long term investment avenues.

Conclusion

Thus, online trading has made share trading easier, convenient, quick and hassle-free. You should remember to open a trading account only from a trusted financial partner, who can provide a single platform for different investment options. Besides, ensure that the financial company offers the best stock and scheme recommendations for the highest profits.