Let the market work for you and grow your assets
In investing, like life, there are no guarantees. However, if you take an informed approach to investing, you can take into account actual risks and opportunities.

Tip
Your emotional risk tolerance is different from the risk and return analysis that is a fundamental part of any successful investment plan. As a matter of fact, this sort of analysis can help you overcome your emotional mindset about risk because it is based on the actual risks and returns of specific investment vehicles, as well as the age and stage of your life when you are making the investment

Let the market work for you and grow your assets
Understanding the fundamentals of investing for different ages or life stages, as well as the types of vehicles to invest in, will enable you to come up with a workable investment plan.

Tip
Altering your investment plan should never be done on a whim. Changing your investment strategy will in all likelihood necessitate that you change, at the very least, the timeline of your goals. In some cases, depending on the age and stage of your life, completely changing your investment plan may not be an option if you are still intent on achieving your goals. However, you should always be able to make some sort of adjustment to your investing plan so that you are able to continue with it on a regular basis.

Investment Profile Calculator
Use this Investment Profile Calculator to help create a balanced portfolio of investments. Your age, ability to tolerate risk, and several other factors are used to calculate a desirable mix of stocks, bonds and cash. The calculated asset allocation is a great place to start your analysis in building a balanced portfolio.

Investment Returns Calculator
Meeting your long-term investment goal is dependent on a number of factors. This not only includes your investment capital and rate of return, but inflation, taxes and your time horizon. Use this Investment Returns Calculator to help you sort through these factors and determine your bottom line. Click the "View Report" button for a detailed look at the results.

Let the market work for you and grow your assets
If you have children or grandchildren, you no doubt have at least thought about how you were going to pay for their education. How much is college going to cost you? Whether your child is still in diapers or already driving, you can use this calculator to figure out the approximate cost of college for your child.

College Savings Plan Calculator
Saving for your children's education requires a long-term plan. And, like saving for retirement, the earlier you start your plan, the better. Use this College Savings Plan Calculator to help you develop or fine-tune your education savings plan. Click the "View Report" button for a detailed look at the results.

Let the market work for you and grow your assets
Without knowing all of the facts of a given situation, we can't tell you which of these strategies is best for a given situation. Complete the Investment Profile Questionnaire to help determine what investment strategy best suits your risk tolerance.

What Can You Invest In?
Well, to start with, almost anything. Below is a list of basic investment instruments that you can invest in at MCB's Investment Division:

Blue chip stock
Stock of large, well-known companies.

Bond
A security that obligates the issuer to repay the principal amount upon maturity and to make specified interest payments over specified time intervals to the bond holder. The issuer can be a corporation or a governmental entity.

Certificate of deposit (CD)
Savings certificate issued by banks that entitle the holder to the receipt of interest.

Closed-end fund
A pooled investment fund that has a fixed capitalization after the initial issue.

Convertible security
A corporate bond or a share of preferred stock that can be converted into shares of common stock of the issuing corporation.

Fixed-income security
An investment vehicle that provides a return in the form of fixed periodic payments and return of principal; examples are bonds and certificates of deposit.

Government bond
A debt obligation issued by the local or foreign governments.

Growth stock
The shares of a company whose earnings are expected to grow at an above-average rate.

Income stock
Those stocks having a history of regular dividend payments that contribute the largest proportion of the stock's overall return.

Mutual fund
A pool of investors, money invested and managed by an investment adviser. Money can be invested in the fund or withdrawn at any time, with few restrictions, at net asset value (the per share market value of all securities held) minus any loads and/or fees.

Open-end fund
A mutual fund that continuously sells shares to investors and redeems shares when investors wish to sell.

Preferred stock
A security representing prior claim to common stock on the firm's earnings and assets. Preferred stockholders normally forgo voting rights and receive a fixed dividend that takes precedence over payment of dividends to common stockholders.

Zero-coupon bond
A bond that generates no periodic interest payments and is issued at a discount from face value. All return is realized at maturity.