The document outlines 5 steps for personal investing: 1) Set financial goals including time horizon, priorities, goals quantification, and personal profile 2) Understand investment vehicles like cash, bonds, stocks which include categories like income, growth, value stocks 3) Develop an investment strategy by selecting an asset allocation, formulating a goal-funding plan, and understanding costs 4) Implement the strategy by choosing how and when to buy investments 5) Monitor investment performance over time and ensure goals remain aligned

1. Personal Investing

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3. Step 1: Set your financial goals Step 2: Understand investment vehicles Step 3: Develop an investment strategy Step 4: Implement your strategy Step 5: Monitor the performance of your investments Personal Investing Steps

5. Your Time Investment Horizon The length of time that you have to reach your goal is considered by many advisors as the most important factor in determining which type of invest­ment is best suited to meet that goal

6. Your Priority You must also prioritize your financial goals and decide which are necessary and which are merely desirable

10. The Bonds Corporate bonds U.S. government securities Municipal bonds Mortgage-backed securities

28. Source : Ernst & Young’s Personal Financial Planning Guide