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Getting started is easy, fast and free.","Access high-quality leads in minutes with UnbiasedPro","Get perfect clients now.","If you're looking for the perfect clients we'll deliver them straight to your inbox and give you the tools to manage them throughout the sales process.",[705],{"_uid":706,"title":707,"CTAText":708,"subtitle":709,"component":710,"errorTitle":711,"description":712,"successTitle":713,"errorSubtitle":714,"successSubtitle":715,"consentCheckboxLabelText":716,"errorMesageFirstNameError":717,"consentCheckboxLabelLinkURL":656,"consentCheckboxLabelLinkText":718,"errorMessageRequiredFieldEmail":719,"errorMessageIncorrectEmailFormat":720,"errorMessageRequiredFieldConsent":721,"errorMessageRequiredFieldInterest":722,"errorMessageRequiredFieldFirstName":723},"8ca4fd8f-da99-489f-aa1b-fcfabdd8b7e3","Get the latest news and tips","Sign up for email updates","Sign up for news that may impact your finances","sidebar-email-signup","Sorry, there was a technical problem","Receive the 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term","2023-10-03T13:54:57.132Z","2024-11-27T11:05:34.690Z","2024-11-27T11:05:34.718Z",381758760,"96bd15ce-4be5-48a5-adf8-1ee3cbbde965",{"_uid":757,"body":758,"hero":1137,"author":1160,"sidebar":1182,"hide_cta":543,"metatags":1200,"component":1204,"subcategories":1205,"intro_paragraph":1207,"intro_subheading":12,"table_of_contents":558,"outgrow_calculator":1208},"fc9fc088-12d2-40fb-bc30-f3859e0894bd",[759,781,785,832,835,867,870,922,935,938,1027,1030,1118,1121],{"_uid":760,"text":761,"component":780},"1c1c485c-b51d-4923-b83f-65bc94491a2d",{"type":15,"content":762},[763,767],{"type":18,"content":764},[765],{"text":766,"type":22},"Whether you’re looking at quick wins or the long haul, there are investment strategies that can help you toward a better financial future. ",{"type":18,"content":768},[769,778],{"text":770,"type":22,"marks":771},"Breaking down your plans",[772],{"type":31,"attrs":773},{"href":774,"uuid":775,"anchor":34,"custom":776,"target":777,"linktype":74},"/discover/budgeting-savings/what-is-a-financial-plan-and-how-can-you-make-one","681e1b45-6952-4d0e-b48f-d5e84c4f1b67",{},"_blank",{"text":779,"type":22}," into a more manageable time frame means your investment planning will make more sense and work your money as efficiently as possible.","article-paragraph",{"_uid":782,"text":783,"component":784},"9363cb55-383e-4623-97c9-bcd70193ba82","Your savings situation","article-subheading",{"_uid":786,"text":787,"component":780},"5861ba66-6850-4617-8cfd-794543bdf902",{"type":15,"content":788},[789,803,814,818],{"type":18,"content":790},[791,793,801],{"text":792,"type":22},"Before you ",{"text":794,"type":22,"marks":795},"start investing",[796],{"type":31,"attrs":797},{"href":798,"uuid":799,"anchor":34,"custom":800,"target":777,"linktype":74},"/discover/retirement-investing/how-do-i-start-investing","6c45efd4-def8-4bee-8bca-4b41de106d13",{},{"text":802,"type":22},", ask yourself this: ",{"type":18,"content":804},[805,810],{"text":806,"type":22,"marks":807},"Do I have enough money saved to cover an emergency fund?",[808],{"type":809},"italic",{"text":811,"type":22,"marks":812}," ",[813],{"type":38},{"type":18,"content":815},[816],{"text":817,"type":22},"Generally, this fund should amount to around three to six months’ worth of expenses, which can be called upon in the face of things like layoffs or large medical bills.  ",{"type":18,"content":819},[820,822,830],{"text":821,"type":22},"If you have a healthy emergency fund, and have all of your ",{"text":823,"type":22,"marks":824},"debt repayments under control",[825],{"type":31,"attrs":826},{"href":827,"uuid":828,"anchor":34,"custom":829,"target":777,"linktype":74},"/discover/budgeting-savings/how-can-i-get-out-of-debt","377192b5-24da-4b2d-947d-4d888a845950",{},{"text":831,"type":22},", you can start thinking about your investing goals, and whether you’re looking at the short or long term.",{"_uid":833,"text":834,"component":784},"d2e8bc51-4464-4140-9717-3234dca2581a","What are your investment goals?",{"_uid":836,"text":837,"component":780},"53f62ed7-2904-4202-ba15-81803020c1de",{"type":15,"content":838},[839,843,847,851,855,859,863],{"type":18,"content":840},[841],{"text":842,"type":22},"Everyone has investment goals, whether they be a new car, a new home, or a comfortable retirement. ",{"type":18,"content":844},[845],{"text":846,"type":22},"Typically, these goals are influenced by three factors: age, income and outlook. ",{"type":18,"content":848},[849],{"text":850,"type":22},"Of course, these factors can intersect, since your age can often be an indicator of which income bracket you may fall under. ",{"type":18,"content":852},[853],{"text":854,"type":22},"But all three in their own right can have a tangible impact on what your investment goals look like.  ",{"type":18,"content":856},[857],{"text":858,"type":22},"The earlier in life you’re able to figure out your investment goals, the better chance you have of setting the groundwork to achieve them — and dealing with the inevitable financial challenges that life brings. ",{"type":18,"content":860},[861],{"text":862,"type":22},"However, it’s never too late to start planning — or investing. ",{"type":18,"content":864},[865],{"text":866,"type":22},"You’ll simply have to map out your investment goals accordingly.",{"_uid":868,"text":869,"component":784},"9a3e5ac5-7330-4092-97e4-ce7069928e39","Long term vs short term investments",{"_uid":871,"text":872,"component":780},"deeb40fa-3d0b-4af4-9c3d-b21787152130",{"type":15,"content":873},[874,878,882,892,896,900,914,918],{"type":18,"content":875},[876],{"text":877,"type":22},"The one-year time frame is a good indicator of whether you’re looking to make short- or long-term investments. ",{"type":18,"content":879},[880],{"text":881,"type":22},"Generally, short-term investments are held for less than 12 months, while long-term investments are held for more.  ",{"type":18,"content":883},[884,886,890],{"text":885,"type":22},"There are cases to be made for both, but the decision fundamentally comes down to ",{"text":887,"type":22,"marks":888},"why ",[889],{"type":809},{"text":891,"type":22},"you are investing. ",{"type":18,"content":893},[894],{"text":895,"type":22},"Short-term goals should aim for a low level of risk and a high level of security, to ensure you don’t lose any money when you need to cash in on your investment. ",{"type":18,"content":897},[898],{"text":899,"type":22},"However, stability means there isn’t much room for profit. Low risk generally means low returns – but the alternative is to accept high levels of risk, which could leave you without profit and even operating at a loss.  ",{"type":18,"content":901},[902,904,912],{"text":903,"type":22},"Long-term investing gives you more scope to take risks, ",{"text":905,"type":22,"marks":906},"depending on your outlook",[907],{"type":31,"attrs":908},{"href":909,"uuid":910,"anchor":34,"custom":911,"target":777,"linktype":74},"/discover/retirement-investing/investment-risk-vs-reward-whats-your-attitude","e4916297-5ae7-4516-85e6-61d0deec16dd",{},{"text":913,"type":22},". ",{"type":18,"content":915},[916],{"text":917,"type":22},"The longer you are willing to invest, then the more opportunities there will be to ride the ups and downs of the market and ultimately come out with a profit. ",{"type":18,"content":919},[920],{"text":921,"type":22},"The downside, of course, is that you have to leave your investment alone for an extended period — and depending on your age and income, you might not have that luxury.",{"_uid":923,"text":924,"component":780},"081a38b2-36ab-4999-bbcb-ad181007dee8",{"type":15,"content":925},[926],{"type":927,"content":928},"blockquote",[929],{"type":18,"content":930},[931],{"text":932,"type":22,"marks":933},"The earlier in life you’re able to figure out your investment goals, the better chance you have of setting the groundwork to achieve them",[934],{"type":809},{"_uid":936,"text":937,"component":784},"ca7200d7-4a8e-46ff-b578-738ce65ac41f","Short- to medium-term investment options",{"_uid":939,"text":940,"component":780},"2172f250-3aa3-404a-9601-368a71f3cf25",{"type":15,"content":941},[942,946,955,969,973,977,981,990,994,998,1005,1019,1023],{"type":18,"content":943},[944],{"text":945,"type":22},"Since many experts suggest saving rather than investing is the best way to shore up your finances in the short term, there are various options that are low in risk.  ",{"type":18,"content":947},[948,953],{"text":949,"type":22,"marks":950},"High-yield savings accounts and CD ladders",[951],{"type":952},"underline",{"text":954,"type":22}," ",{"type":18,"content":956},[957,959,967],{"text":958,"type":22},"Saving is key to your short-term goals, which is why a high-yield ",{"text":960,"type":22,"marks":961},"savings account",[962],{"type":31,"attrs":963},{"href":964,"uuid":965,"anchor":34,"custom":966,"target":777,"linktype":74},"/discover/budgeting-savings/what-should-you-look-for-in-a-savings-account","6eb8f25c-8d2f-4143-b468-a048228947c6",{},{"text":968,"type":22}," can be a good option. ",{"type":18,"content":970},[971],{"text":972,"type":22},"Plus, many online banks offer annual percentage yields of around two per cent, so you will make some profit while building on your savings. ",{"type":18,"content":974},[975],{"text":976,"type":22},"Meanwhile, you may make more money by using a certificate of deposit (CD) to your advantage. ",{"type":18,"content":978},[979],{"text":980,"type":22},"Rather than just one, you can set up several CDs that have varying maturity dates, which will keep your cash accessible while taking advantage of their yields.",{"type":18,"content":982},[983,987],{"text":984,"type":22,"marks":985},"Short-term bond and fixed income funds",[986],{"type":952},{"text":954,"type":22,"marks":988},[989],{"type":38},{"type":18,"content":991},[992],{"text":993,"type":22},"If your investment planning is looking more towards 18 months than a year, then placing your money in fairly stable short-term investments could be a good way of steadily building on your income. ",{"type":18,"content":995},[996],{"text":997,"type":22},"Short-term bond and fixed income funds are both fairly risk-averse ways of pursuing this strategy, as they will limit risk and minimize losses in a down market.  ",{"type":18,"content":999},[1000,1004],{"text":1001,"type":22,"marks":1002},"Structured notes",[1003],{"type":952},{"text":954,"type":22},{"type":18,"content":1006},[1007,1009,1017],{"text":1008,"type":22},"Structured notes can ",{"text":1010,"type":22,"marks":1011},"pay interest",[1012],{"type":31,"attrs":1013},{"href":1014,"uuid":1015,"anchor":34,"custom":1016,"target":777,"linktype":74},"/discover/budgeting-savings/the-best-ways-to-earn-the-most-interest-on-your-savings","ec2cd711-bd28-46b4-bee7-d3b35ad67e18",{},{"text":1018,"type":22}," for as much as six per cent in interest. ",{"type":18,"content":1020},[1021],{"text":1022,"type":22},"However, the note should be held to maturity since it can be challenging to sell once it has been issued. ",{"type":18,"content":1024},[1025],{"text":1026,"type":22},"The terms of a structured note can be complex, but a financial advisor like Unbiased can offer guidance on the process.  ",{"_uid":1028,"text":1029,"component":784},"99fcacd8-7246-4a0e-8b57-14ef47b6a28a","Long term investment options",{"_uid":1031,"text":1032,"component":780},"25fa7e1b-6a25-45d6-a793-1bf83d8d3f4c",{"type":15,"content":1033},[1034,1041,1045,1049,1068,1075,1079,1083,1087,1091,1095,1102,1106,1110,1114],{"type":18,"content":1035},[1036,1040],{"text":1037,"type":22,"marks":1038},"401(k)s and IRAs",[1039],{"type":952},{"text":954,"type":22},{"type":18,"content":1042},[1043],{"text":1044,"type":22},"If your long-term plans have you thinking about retirement, then 401(k)s and IRAs will likely be a part of that plan. ",{"type":18,"content":1046},[1047],{"text":1048,"type":22},"They are both tax-favored accounts, and are one of the best ways of ensuring that you are financially comfortable once you finish working. ",{"type":18,"content":1050},[1051,1053,1066],{"text":1052,"type":22},"401(k) plans often come with the added bonus of worker contributions, while retirement accounts like IRAs will ",{"text":1054,"type":22,"marks":1055},"reduce the amount of tax you’ll need to pay",[1056],{"type":31,"attrs":1057},{"href":1058,"uuid":1059,"anchor":34,"custom":1060,"target":777,"linktype":74,"story":1061},"/discover/taxes/7-ways-to-reduce-your-tax-liability","94a351e4-438b-4879-882b-92d2c3120426",{},{"name":1062,"id":1063,"uuid":1059,"slug":1064,"url":1065,"full_slug":1065,"_stopResolving":558},"7 ways to reduce your tax liability",247218922,"7-ways-to-reduce-your-tax-liability","discover/taxes/7-ways-to-reduce-your-tax-liability",{"text":1067,"type":22}," on your hard-earned cash.  ",{"type":18,"content":1069},[1070,1074],{"text":1071,"type":22,"marks":1072},"529 plans",[1073],{"type":952},{"text":954,"type":22},{"type":18,"content":1076},[1077],{"text":1078,"type":22},"Higher education can be very costly, so building up a fund for a younger family member to attend college can be key. ",{"type":18,"content":1080},[1081],{"text":1082,"type":22},"529 plans are a great way of doing this if you’re investing over a lengthy period. ",{"type":18,"content":1084},[1085],{"text":1086,"type":22},"While they offer tax-exempt withdrawals for qualified education expenses, some states also allow residents to deduct contributions from their state income taxes. ",{"type":18,"content":1088},[1089],{"text":1090,"type":22},"With a target-date fund included in many 529 plans, as an investor you can alternate between aggressive and conservative investing depending on how close you are to your financial target. ",{"type":18,"content":1092},[1093],{"text":1094,"type":22},"However, it’s worth noting that 529 plans can lose money in a down market.  ",{"type":18,"content":1096},[1097,1101],{"text":1098,"type":22,"marks":1099},"Index funds and ETFs",[1100],{"type":952},{"text":954,"type":22},{"type":18,"content":1103},[1104],{"text":1105,"type":22},"If you have the time and the funds, then long-term investing strategies of index funds and ETFs are a great way of helping you attain goals like buying a house or starting a business. ",{"type":18,"content":1107},[1108],{"text":1109,"type":22},"These investment accounts offer low fees and great value, and contain plenty of securities that will allow you to spread out the risk. ",{"type":18,"content":1111},[1112],{"text":1113,"type":22},"However, you should undertake plenty of research before investing in any particular fund. ",{"type":18,"content":1115},[1116],{"text":1117,"type":22},"Financial advisors can offer sound advice on where you should put your money, depending on your personal financial situation.  ",{"_uid":1119,"text":1120,"component":784},"d8f4891b-3b02-4285-9ce8-2426ed023b06","The benefit of expert advice",{"_uid":1122,"text":1123,"component":780},"87597366-38fa-4bd8-b83f-9a42703dcadc",{"type":15,"content":1124},[1125,1129,1133],{"type":18,"content":1126},[1127],{"text":1128,"type":22},"Whatever steps you’re looking to take with your investments, expert financial advice can help you to establish clear goals and tangible ways of reaching them that will suit you. ",{"type":18,"content":1130},[1131],{"text":1132,"type":22},"Financial advisors will have a firm grasp of the markets and the varying strategies for investment. ",{"type":18,"content":1134},[1135],{"text":1136,"type":22},"But more than this, they’ll be able to curate a plan for you, wherever you are in your financial journey, and help you to build your wealth in a way that works for you. ",[1138],{"_uid":1139,"image":1140,"title":1145,"subtitle":12,"component":1159,"breadcrumbs":558},"7258534c-6542-4ae2-bfde-cd263bf80204",{"id":1141,"alt":1142,"name":12,"focus":12,"title":12,"filename":1143,"copyright":12,"fieldtype":1144,"is_external_url":543},6461415,"short vs long term investing","https://a.storyblok.com/f/175791/900x480/9d2f186c26/short-vs-long-term-investing.jpeg","asset",{"type":15,"content":1146},[1147],{"type":18,"content":1148},[1149,1151,1157],{"text":1150,"type":22},"Investing for the ",{"text":1152,"type":22,"marks":1153},"short v long",[1154],{"type":25,"attrs":1155},{"class":1156},"primary-gradient",{"text":1158,"type":22}," term","app-hero",{"name":1161,"created_at":1162,"published_at":1163,"updated_at":1162,"id":1164,"uuid":1165,"content":1166,"slug":1174,"full_slug":1175,"sort_by_date":34,"position":1176,"tag_list":1177,"is_startpage":543,"parent_id":1178,"meta_data":34,"group_id":1179,"first_published_at":1180,"release_id":34,"lang":730,"path":34,"alternates":1181,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Kate Morgan","2022-11-24T11:24:28.492Z","2022-12-01T07:24:31.000Z",224651379,"62705e7a-a25d-45f7-aa2c-54511bc7f753",{"job":1167,"_uid":1168,"name":1161,"image":1169,"component":1172,"description":1173},"Content writer","411106c9-b210-4ad7-9a81-674a54e6edad",{"id":1170,"alt":12,"name":12,"focus":12,"title":12,"filename":1171,"copyright":12,"fieldtype":1144,"is_external_url":543},6212296,"https://a.storyblok.com/f/175791/503x512/e4f8888b72/kate-morgan.png","article-author","Kate has written for leading publications and blue chip companies over the last 20 years.","kate-morgan","authors/kate-morgan",10,[],224651374,"2653964f-cdf0-4e77-bb27-aa6570f22695","2022-11-22T09:54:56.260Z",[],[1183],{"_uid":1184,"body":1185,"title":1198,"component":1199},"628318e0-01e9-4c44-8673-bc4675b4f2b9",[1186,1190,1194],{"_uid":1187,"href":1188,"text":1189,"component":542,"openInNewWindow":558},"28b75665-3206-4319-af19-396800c2a0c2","https://www.unbiased.com/discover/retirement-investing/investment-risk-vs-reward-whats-your-attitude","Investment risk vs reward",{"_uid":1191,"href":1192,"text":1193,"component":542,"openInNewWindow":558},"46ff84bb-a91d-4e16-8d38-e419fbe88a9c","https://www.unbiased.com/discover/retirement-investing/how-do-i-start-investing","How do I start investing?",{"_uid":1195,"href":1196,"text":1197,"component":542,"openInNewWindow":558},"1aa39337-f604-48d9-8bde-26853436d1bd","https://www.unbiased.com/discover/retirement-investing/how-much-money-do-i-need-to-retire","How much money do I need to retire?","Related articles","app-links-list",{"_uid":1201,"title":750,"plugin":1202,"og_image":12,"og_title":12,"description":1203,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"e08e8ff9-05c0-4aa6-b0eb-e5aa75ad5172","seo_metatags","Investment goals vary from person to person, so it’s important to make sure that you’re pursuing the best strategies for you. Learn about short-term and long-term investing options.","app-article",[1206],"88ac87ae-35cf-4550-b72e-e36d7d8a3fb3","You could be investing to boost your retirement fund. Or you could be looking to build up your finances for a down payment on a house. There are so many reasons why people want to invest — but determining whether your goals are short term or long term is the first step in the planning process.",[],"investing-for-the-short-v-long-term","discover/investing/investing-for-the-short-v-long-term",910,[],365491304,"16c533b0-74ae-4758-888b-01b3e0d725ef","2022-11-29T11:59:59.771Z",[],{"left":727,"top":727,"width":1218,"height":1218,"rotate":727,"vFlip":543,"hFlip":543,"body":1219},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1221,1224,1225],{"title":1222,"exact":558,"href":1223},"Home","https://www.unbiased.com",{"title":282,"exact":558,"to":295,"disabled":543},{"title":750,"exact":558,"to":1226,"disabled":558},"/discover/investing/investing-for-the-short-v-long-term",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1228},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777022307070]