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"Education is the most powerful weapon which you can use to change the world”
– Nelson Mandela

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Lesson One Discussion

Lesson One Discussion

Q Conduct research, and list at least five types of investment assets that you are interested in. Share the historical performance of each asset over the past 1, 5, and 10 year periods. Of your selected five choices, show the percentage of the investment you would direct if provided the opportunity. Remember, your investment distribution should add up to 100%. Share your rationale within your examples, which help to provide evidence to your argument. Participation in the weekly discussion forums is a requirement. Students are expected to post a meaningful response to the topic offered by the instructor and to post at least two meaningful replies to other students. Postings should demonstrate an understanding of the week’s topics. Compliments and agreement with others are polite, however, they are not scholarly, and thus, do not count towards the participation points earned. Thus, discussion participation must contain original ideas or perspectives, while demonstrating substantiation through examples and/or research. Discussion postings will be evaluated on the basis of quality responses as well as timely participation. The original (first) response to the Lesson Discussion Question should be posted by Wednesday (mid-week) of the week that specific lesson is being explored, thus enabling others to read, respond, and debate the merits of such postings. Then, students will have the latter part of each week to debate, comment, expand, inquire, and learn from a robust exchange of academic and scholarly banter. Remember, minimum participation does not equal maximum grading. Also, students who upload all of their responses on the last day, will not be eligible for the maximum participation points. Discussion forums will be evaluated each week and cannot be revisited. In other words, once the week ends, the opportunity to earn participation points for that lesson also ends.

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Bank fixed deposits Bank fixed deposits (FDs) are another popular fixed-return investment choice. A bank FD can be purchased in person or online through the bank's website. Here are some of its most important features: a. FDs are offered for a variety of terms. Banks such as the State Bank of India (SBI) and HDFC Bank offer FDs with terms ranging from seven days to ten years. At the rates, one can invest in any tenure based on his or her time horizon. b. Most bank FDs allow you to withdraw your money early by incurring a penalty. This should, however, be verified when the FD account is opened (Royal, 2022). c. A bank FD has only protected up to Rs 1 lakh (principal + interest) per individual per bank under the Deposit Insurance and Credit Guarantee Corporation (DICGC) rules.