If I want to invest ...what is the best way ....I want somthing low risk?

I make about 330.00 a week and I want to invest in somthing ...but I want to invest in somthing that is low risk...I no nothing about stocks, bonds exc.......I would like to know somting about stocks .....Please help

I am not sure what you mean by "low risk." If you want something that never drops in value, consider the Vanguard Prime Money Market Fund with a current compound yield of ~4.78% APR. https://flagship.vanguard.com/VGApp/hnw/...

Sometimes other institutions will have a higher teaser rate, but Vanguard tends to have the highest yields I've found over the long run. (Vanguard money markets are not FDIC insured, however.)

Article on teaser rates:
http://www.marketwatch.com/news/story/ba...

ING and HSBC often have rates close to Vanguard, and most of their products are FDIC insured. Bankrate.com provides links to CD's with high interest rates. You can check these at the following links:
http://home.ingdirect.com/ http://www.us.hsbc.com/1/2/3/personal/sa... http://www.bankrate.com/


if you are willing to invest in something that fluctuates some in value, you should invest in a diversified mix of stocks, bonds, and money market funds. You want to buy a diversified portfolio of stocks as individual stocks are too risky. Most folks have a dificult time buying a properly balanced portfoilio of stocks on their own. They will misbalance their portfolio by buying all small stocks or all growth stocks, or some other misbalanced assortment of stocks. Unless you know what you are doing, it is best to buy mutual funds. I like Vanguard.com, other people like Fidelity, TIAA-CREF, and DFA. Buy no-load, low cost funds. If you are like most people you will invest part of your money aggressively in stock funds, and part conservatively in money market funds and bond funds. Vanguard.com has an on-line questionnaire which will give you an idea of how to do "Asset Allocation," determining how much to put in each type of fund.

If your company offers a 401K plan at work, try to invest the most you can. The money grows tax free, and some companies will match your contribution. Investing in a mutual fund IRA is also a good idea. If you have children, you may want to consider a 529 plan or other college savings plan that grows tax free.

I like index funds. Because of their broad diversification, you are less likely to have a dramatic drop in value. They also have the lowest expenses. For stock funds, I would suggest putting ~70-80% of your money in the Vanguard Total Stock Market Index Fund. and ~20-30% in a foreign stock index fund. However, there are many different opinions out there on what the best mutual funds are. Read the links below and form your own opinion.

If you have high-interest debt, like credit cards, it is best to pay this off first before trying most of the investment ideas above. You should also have 3-6 months of salary saved up as an emergency fund in a bank or money market fund before trying more risky investments.

Believing advice you get on Yahoo answers can be risky, so read these websites for further information. If you find it too confusing, contact a professional financial advisor. They will charge you significant commissions, however.

Sources:

http://www.vanguard.com/VGApp/hnw/planni...
http://www.fool.com/school.htm
http://sec.gov/investor/pubs/assetalloca...
http://www.diehards.org/readsites.htm
http://finance.yahoo.com/education/begin...
http://finance.yahoo.com/funds/basics

Asset Allocation Calculators
(Determining how much to put in stocks and how much into bonds and money markets is a personal decision depending on your financial status. These Asset Allocation questionaires give you a rough idea how to do this. I like Vanguard best, but try some of the other sites as well.)
https://personal.vanguard.com/VGApp/hnw/...
https://ais2.tiaa-cref.org/cgi-bin/WebOb...
http://www.ifa.com/SurveyNET/index.aspx

Web forum: http://www.diehards.org/
(Many investment web forums are overrun by scam artists. This one seems the most legitimate site.)


529 plans: http://www.savingforcollege.com

Try mutual funds..they are diversified and low risk...once you bring up your capitol maybe you will feel like you can do something a little more high risk.

There is nothing actually called a low risk thing. Everything in the business world is very complex and risky.

United States government bonds have the lowest risk of any security in the world
Remember that in order to make more money, you must take more risk

go to www.ingdirect.com - it is an online savings account and you can earn over 4% interest. this is the best interest rate around without tying up your money or any risk at all. if you want to tie your money up for 6 months you can make 4.7% - that is a great return on investment. start by saving $25 a month - ingdirect will take it automatically out of your bank account and add it to your online savings account. it takes only a few minutes to set up and its easier to transfer it back to your checking account. i've been using ingdirect for over 5 years and love it!

With stocks its best to invest in index mutual or exchange traded funds--these are mutual funds that track lists of stocks, for example the S&P 500, a list of the 500 biggest stocks in the US. If you buy an exchange traded fund that follows the S&P 500 you'll effectively hold stock in 500 large companies, which is a lot safer than owning indiviudal stocks (one company may collapse, but 500 aren't going to.)

with a little homework on how the stock market works and some good stocks to invest in you will do very well. A good place to get those stocks from is http://www.goldenbullstocks.com they come highly recommended, check them out you will be impressed!