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Savings Accounts:
Short term
An example of a very short-term savings account (6 months-one year), could be a money market mutual fund or income fund.
Midterm
An example of a mid- term savings account (2- 3 years) could be an income -equity fund.
Long- term
An example of long-term (greater than 3 years) could be a growth or growth and income mutual fund.
Very long-term
an example of very long term, (five years or more) are growth, growth and appreciation, growth and income, and international funds.
Retirement accounts:
Retirement accounts are long-term accounts, so examples of mutual fund types appropriate for these accounts would be growth, growth appreciation, international, growth and income or a combination of these funds.
College Plans:
The fund choices will be similar to retirement funds. Many mutual fund companies have specific college funds. It is best to start saving for college when your children are babies.
Mutual funds work best when held long term
LENDING TO GOVERNMENT
Treasury notes
Short-term discount securities issued by the Commonwealth Government.
Treasury bonds
Medium- to longer-term securities issued by the commonwealth government that pay a specified interest coupon stream
PERSONAL FINANCE:
Housing finance Mortgage Amortized loan Investment property Fixed-term loan Credit card Other bank assets (e.g. infrastructure, shares in controlled entities)
COMMERCIAL LENDING:
Fixed-term loan A loan with negotiated terms and conditions Period of the loan Interest rates Fixed or variable rates set to a specified reference rate Timing of interest payment Repayment of principal Your subtopic goes here Overdraft Bank bills held leasing
Sources of funds
Income Scheme:
These funds focus on providing investors with a steady stream of fixed income. They invest in short term and long term debt instruments like TFCs, government securities like T-bills/ PIBs, or preference shares.