Financial Instruments

 Instrument Maturity Risk  
Certificate of Deposit   90 days or more   None if insured




   Corporate 5–30   years   Some
   Municipal 1–20   years   Some
   Stocks Immediate   Low to high


 U.S. Treasury

   Bills  1   year or less   None
   Notes  1–10   years   None
   Bonds  10–30   years   None
   Mutual Funds  Varies   Low to high
  Retirement Funds  When buyer is 60 years  old   Low

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