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You may be graduating from college, starting your first job or developing a new interest in your finances. And you may be feeling like the lessons about money you learned growing up were not quite enough to prepare you to be an effective money manager as an adult. The good news is, it's never too late to learn money management basics and create the foundation for your financial future.
Learning about the most critical aspects of investing—risk, asset allocation and diversification—will create the foundation of your financial knowledge.
Getting an early start can make a huge difference in your long-term success. If you're just starting your career, retirement might be the furthest thing from your mind. But opening an IRA and/or participating in your company's retirement program will not only help you put your money to work for you right from the start—it also will provide you with hands-on opportunities to learn about different types of investments.
Take advantage of the financial education materials available to you. Your local library and bookstore are great sources of educational materials, and the Internet is packed with helpful and often free information. Check out financial education web sites such as:
Reputable financial publications, such as Barron's or The Wall Street Journal, also are a rich source of information about investing. In addition, American Century Investments® offers a wealth of educational resources at no charge. The information is designed to help individuals understand the often complex world of finances and is presented in its most basic and simple form, with objective language that's clear and understandable even for beginners. Our resources include booklets on key investing goals and one-page updates on topics ranging from diversification strategies to retirement investing. You'll also find information about different account types and how to use them, from IRAs to 529 College Savings Plans.
Once you understand the basics of investing, you're ready to begin building a sound financial plan that fits your goals, investing time frame and comfort with risk.
Professional advice can help to reinforce the financial lessons you're learning. Consider working with a tax expert or financial professional to identify choices that are right for you. At the same time, it's important to note that advice is seldom free, and there's lots of it out there. Proceed with caution and make sure you understand the fees and expenses associated with financial professionals and each potential investment.
Looking for complimentary investment guidance?
Call 1-800-345-2021 to speak with one of our Investment Consultants, who can help by asking a few questions to determine your risk tolerance and investor profile. Based on your answers, you'll receive a compatible asset allocation and American Century Investments fund.
This information is for educational purposes only and is not intended as investment advice.