Types of Investments

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class="row "> <div class="col-12 px-0"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/01175841/hero-types-of-investing.jpg" alt="" class="img-fluid d-block mx-auto " /> </div> </div> </div> </section>  <section class="article-title"> <div class="container"> <div class="row "> <div class="col-12 "> <h1 class="text-center"> Types of Investments </h1> </div> </div> </div> </section> <section class="article"> <div class="container"> <div class="row"> <div class="col-12 col-lg-9"> <div class="article-lead module"> <h3> These are the most common ways to invest and grow your money, from money market accounts to stocks and ETFs. </h3> </div> <div class="module compare"> <div class="row mb-4"> <div class="col-12 col-lg-8"> <h3 class="green"> Money Market Account </h3> <ul> <li>An interest-bearing account at a bank or credit union</li> <li>Tend to pay higher interest than savings accounts</li> <li>Many have check writing and debit card privileges</li> <li>Tighter restriction on number of transactions per month vs. savings accounts</li> <li>Potentially higher fees and higher minimum balance requirements</li> <li>Good place to put money you plan to spend within the next year</li> </ul> </div> <div class="col-12 col-lg-4"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/04174253/graphic-money-market.png" alt="Graphic- Money Market" class="img-fluid d-block mx-auto " /> </div> </div> <div class="row"> <div class="col-12"> <div class="card-deck"> <div class="card "> <div class="card-header"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/04174255/graphic-plus-sign.png" alt="Plus Icon" class="img-fluid d-block" /> </div> <div class="card-body"> <p>Higher interest rates than savings accounts</p> <p><span style="font-weight: 400;">FDIC insured</span></p> </div> </div> <div class="card lt-blue-bg"> <div class="card-header"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/04174254/graphic-minus-sign.png" alt="Minus icon" class="img-fluid d-block" /> </div> <div class="card-body"> <p><span style="font-weight: 400;">Restrictions on number of transactions per month</span></p> <p><span style="font-weight: 400;">Potentially higher fees and minimum balance requirements</span></p> </div> </div> </div> </div> </div> </div> <div class="module compare"> <div class="row mb-4"> <div class="col-12 col-lg-8"> <h3 class="green"> CDs - Certificate of Deposit </h3> <ul> <li>Offered by banks and credit unions; typically carry terms from three months to five years</li> <li>Pay higher interest than savings and money market accounts–usually, the longer the term, the higher the interest</li> <li>Surrender higher interest if money is withdrawn from account before term ends</li> <li>Good place to put money you plan to spend within the next <a href="https://www.wsj.com/buyside/personal-finance/banking/best-6-month-cd-rates" target="_blank" rel="noopener" class="berg-blue">year</a></li> </ul> </div> <div class="col-12 col-lg-4"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/04174251/graphic-cd.png" alt="Graphic- CD" class="img-fluid d-block mx-auto " /> </div> </div> <div class="row"> <div class="col-12"> <div class="card-deck"> <div class="card "> <div class="card-header"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/04174255/graphic-plus-sign.png" alt="Plus Icon" class="img-fluid d-block" /> </div> <div class="card-body"> <p><span style="font-weight: 400;">Higher interest rates than savings accounts or money market accounts</span></p> </div> </div> <div class="card lt-blue-bg"> <div class="card-header"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/04174254/graphic-minus-sign.png" alt="Minus icon" class="img-fluid d-block" /> </div> <div class="card-body"> <p><span style="font-weight: 400;">Money is locked up for a specified amount of time</span></p> <p><span style="font-weight: 400;">Penalties if money is withdrawn early</span></p> <p><span style="font-weight: 400;">Still losing money vs. inflation</span></p> </div> </div> </div> </div> </div> </div> <div class="module compare"> <div class="row mb-4"> <div class="col-12 col-lg-8"> <h3 class="green"> Bonds </h3> <ul> <li>Offering their debt gives the company or government cash upfront to finance new projects like building schools or factories</li> <li>Interest is typically set when bonds are issued and paid at intervals—monthly, quarterly or semi-annual—on principal amount invested</li> <li>Principal amount is returned to the investor at end of term</li> <li>Potential loss of principal and interest if the issuer has financial trouble and can’t pay its debts</li> <li>Potential loss of value if prevailing interest rates rise, making bonds’ set rates less attractive to investors</li> </ul> <p>Here’s a <a href="https://www.marketwatch.com/guides/banking/cds-vs-bonds/" target=_blank" class="berg-blue">helpful guide</a> comparing CDs and bonds, courtesy of MarketWatch.</p> </div> </div> <div class="row"> <div class="col-12"> <div class="card-deck"> <div class="card "> <div class="card-header"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/04174255/graphic-plus-sign.png" alt="Plus Icon" class="img-fluid d-block" /> </div> <div class="card-body"> <p><span style="font-weight: 400;">Typically higher returns than savings and similar cash accounts</span></p> <p><span style="font-weight: 400;">Predictability of returns</span></p> <p><span style="font-weight: 400;">Smaller near-term price fluctuations than stocks</span></p> <p><span style="font-weight: 400;">FDIC insured</span></p> </div> </div> <div class="card lt-blue-bg"> <div class="card-header"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/04174254/graphic-minus-sign.png" alt="Minus icon" class="img-fluid d-block" /> </div> <div class="card-body"> <p>Generally lower returns than stocks</p> <p>Risk of default on debt payments for corporate bonds</p> <p>Risk of inflation and rising interest rates for fixed-rate bonds</p> </div> </div> </div> </div> </div> </div> <div class="module compare"> <div class="row mb-4"> <div class="col-12 col-lg-8"> <h3 class="green"> Real Estate </h3> <ul> <li>Can require substantial initial and continuing investment to buy houses, apartments or land to rent out</li> <li>Value of residential, commercial and industrial property tends to rise over time</li> <li>Price movements may not be closely correlated to the stock market, providing opportunity to diversify your investments</li> <li>Potential for steady and rising income</li> </ul> </div> <div class="col-12 col-lg-4"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/04174250/graphic-real-estate.png" alt="Graphic- Real Estate" class="img-fluid d-block mx-auto " /> </div> </div> <div class="row"> <div class="col-12"> <div class="card-deck"> <div class="card "> <div class="card-header"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/04174255/graphic-plus-sign.png" alt="Plus Icon" class="img-fluid d-block" /> </div> <div class="card-body"> <p><span style="font-weight: 400;">Historically rising prices</span></p> <p><span style="font-weight: 400;">Potential for steady and rising income</span></p> </div> </div> <div class="card lt-blue-bg"> <div class="card-header"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/04174254/graphic-minus-sign.png" alt="Minus icon" class="img-fluid d-block" /> </div> <div class="card-body"> <p><span style="font-weight: 400;">Big initial investment</span></p> <p><span style="font-weight: 400;">Have to pay for ongoing maintenance and taxes</span></p> </div> </div> </div> </div> </div> </div> <div class="module compare"> <div class="row mb-4"> <div class="col-12 col-lg-8"> <h3 class="green"> Mutual Funds </h3> <ul> <li>Mutual funds are pools of assets (like stocks) managed by professional investors according to each funds’ stated objectives</li> <li>Fees and expenses that investors pay to be in the fund tend to be reasonable</li> <li>Investors buy shares from the fund company through their distribution channels including advisors and wealth managers</li> <li>Highly regulated to ensure investors’ assets are invested as stated and are available to investors when needed</li> <li>Because various types of funds rise at different rates in any year, they need to be rebalanced in your portfolio periodically</li> <li>Percentage of your total assets invested in each mutual fund needs to be adjusted and in line with your financial goals and risk tolerance</li> </ul> <p>Here’s a <a href="https://www.wsj.com/buyside/personal-finance/investing/etf-vs-mutual-fund" target="_blank" class="berg-blue">helpful guide</a> comparing ETFs and mutual funds from WSJ Buy Side.</p> </div> </div> <div class="row"> <div class="col-12"> <div class="card-deck"> <div class="card "> <div class="card-header"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/04174255/graphic-plus-sign.png" alt="Plus Icon" class="img-fluid d-block" /> </div> <div class="card-body"> <p><span style="font-weight: 400;">Professionally managed</span></p> <p><span style="font-weight: 400;">Many fund choices covering nearly every area of markets, economy and world</span></p> <p><span style="font-weight: 400;">Well-regulated</span></p> <p><span style="font-weight: 400;">Suited for building a diversified portfolio tailored to an investor’s financial goals and risk tolerance</span></p> </div> </div> <div class="card lt-blue-bg"> <div class="card-header"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/04174254/graphic-minus-sign.png" alt="Minus icon" class="img-fluid d-block" /> </div> <div class="card-body"> <p><span style="font-weight: 400;">Generally lower returns than stocks</span></p> <p><span style="font-weight: 400;">Require monitoring</span></p> <p><span style="font-weight: 400;">Fund performance is dependent on which part of the market it invests in and the fund manager’s ability to make wise investment choices</span></p> </div> </div> </div> </div> </div> </div> <div class="module compare"> <div class="row mb-4"> <div class="col-12 col-lg-8"> <h3 class="green"> Stocks </h3> <ul> <li>Stocks allow you to own a small portion of a company</li> <li>Stocks are issued by companies to raise capital; that capital is used to expand operations or other purposes</li> <li>Require acceptance of price fluctuations and risk management</li> </ul> </div> <div class="col-12 col-lg-4"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/04174249/graphic-stocks.png" alt="Graphic- stocks" class="img-fluid d-block mx-auto " /> </div> </div> <div class="row"> <div class="col-12"> <div class="card-deck"> <div class="card "> <div class="card-header"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/04174255/graphic-plus-sign.png" alt="Plus Icon" class="img-fluid d-block" /> </div> <div class="card-body"> <p><span style="font-weight: 400;">Higher potential return than mutual funds</span></p> <p><span style="font-weight: 400;">Little to no fees to trade, depending on your broker</span></p> <p><span style="font-weight: 400;">You’re not tied to any stocks you buy for a specific amount of time—you can sell them any time the market is open</span></p> <p><span style="font-weight: 400;">Allow you full control over your investing</span></p> </div> </div> <div class="card lt-blue-bg"> <div class="card-header"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/04174254/graphic-minus-sign.png" alt="Minus icon" class="img-fluid d-block" /> </div> <div class="card-body"> <p><span style="font-weight: 400;">Stock prices can fluctuate more than mutual funds and bonds</span></p> <p><span style="font-weight: 400;">Need to manage your risk and keep losses small</span></p> <p><span style="font-weight: 400;">Requires time to actively invest for yourself</span></p> </div> </div> </div> </div> </div> </div> <div class="module compare"> <div class="row mb-4"> <div class="col-12 col-lg-8"> <h3 class="green"> ETFs </h3> <ul> <li>Stands for ”Exchange Traded Funds”—trade like stocks but let you invest in a basket of different stocks, commodities or other assets</li> <li>The most popular ETFs are index funds, which allow you to buy a “share” of every single stock on a stock index like the Nasdaq or S&P 500</li> <li>Commodity ETFs let you easily invest in assets like gold or oil without having to physically own them</li> <li>Sector ETFs allow you to invest in many companies in a similar industry, like tech companies or banks</li> <li>Thematic ETFs allow you to invest in companies with a similar theme, like artificial intelligence or clean energy</li> <li>Some ETFs are leveraged, meaning they move double or triple the price of the underlying asset</li> </ul> </div> </div> <div class="row"> <div class="col-12"> <div class="card-deck"> <div class="card "> <div class="card-header"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/04174255/graphic-plus-sign.png" alt="Plus Icon" class="img-fluid d-block" /> </div> <div class="card-body"> <p><span style="font-weight: 400;">Easy to invest in many assets with a single trade</span></p> <p><span style="font-weight: 400;">Don’t require you to own the underlying asset—just a share of it</span></p> <p><span style="font-weight: 400;">Can buy and sell ETFs easily and quickly, just like a stock</span></p> <p><span style="font-weight: 400;">Allow you to invest in stocks without the single stock risk</span></p> </div> </div> <div class="card lt-blue-bg"> <div class="card-header"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/04174254/graphic-minus-sign.png" alt="Minus icon" class="img-fluid d-block" /> </div> <div class="card-body"> <p><span style="font-weight: 400;">Returns for many ETFs are lower than individual stocks making big moves</span></p> <p><span style="font-weight: 400;">Companies that manage ETFs take a small fee</span></p> <p><span style="font-weight: 400;">Leveraged ETFs can be highly volatile at times</span></p> </div> </div> </div> </div> </div> </div> <div class="module headline-image"> <div class="row"> <div class="col-12"> <h3 class=" text-left mb-2"> </h3> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/04174246/graphic-crypto-symbols.png" alt="Graphic Cryptocurrency symbols" class="img-fluid d-block mx-auto " /> </div> </div> </div> <div class="module compare"> <div class="row mb-4"> <div class="col-12 col-lg-8"> <h3 class="green"> Cryptocurrency </h3> <p><b>Bitcoin, Ethereum and other coins</b></p> <ul> <li><span style="font-weight: 400;">Cryptocurrency is digital money</span></li> <li><span style="font-weight: 400;">No physical currency or coins exist—it’s all on computers</span></li> <li><span style="font-weight: 400;">Sophisticated blockchain technology keeps cryptocurrency safe from counterfeiting</span></li> <li><span style="font-weight: 400;">A relatively new asset class where fear, rumor and social media attention can lead to big prices swings</span></li> <li><span style="font-weight: 400;">Cryptocurrency is traded 24/7 around the world</span></li> <li><span style="font-weight: 400;">Expected to resist effects of inflation and decline in value of the dollar</span></li> <li><span style="font-weight: 400;">Prices have fluctuated wildly</span></li> </ul> </div> </div> <div class="row"> <div class="col-12"> <div class="card-deck"> <div class="card "> <div class="card-header"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/04174255/graphic-plus-sign.png" alt="Plus Icon" class="img-fluid d-block" /> </div> <div class="card-body"> <p><span style="font-weight: 400;">Has recently outperformed the stock indexes</span></p> <p><span style="font-weight: 400;">Counterfeiting is impossible</span></p> <p><span style="font-weight: 400;">High level of privacy</span></p> </div> </div> <div class="card lt-blue-bg"> <div class="card-header"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/04174254/graphic-minus-sign.png" alt="Minus icon" class="img-fluid d-block" /> </div> <div class="card-body"> <p><span style="font-weight: 400;">High volatility can lead to quick, unexpected losses</span></p> <p><span style="font-weight: 400;">Highly speculative, as there is no basis for evaluating its “true value” like there is with assets like dollars or gold</span></p> <p><span style="font-weight: 400;">Scams and security breaches have been known to happen, so exercise caution</span></p> </div> </div> </div> </div> </div> </div> <div class="module compare"> <div class="row mb-4"> <div class="col-12 col-lg-8"> <h3 class="green"> Options </h3> <ul> <li><span style="font-weight: 400;">Give the buyer the right to buy or sell an underlying asset, like a stock, at a stated price by a certain date</span></li> <li><span style="font-weight: 400;">Standard option contract covers the rights to 100 shares of a stock for a much lower price than actually buying the stock</span></li> <li><span style="font-weight: 400;">They allow investors to take advantage of convictions they have about future events in the investment markets</span></li> <li><span style="font-weight: 400;">Options also allow investors to protect, or hedge, their investments as concerns of increasing risk arise</span></li> </ul> </div> <div class="col-12 col-lg-4"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/04181314/graphic-options.png" alt="Options Graphic" class="img-fluid d-block mx-auto " /> </div> </div> <div class="row"> <div class="col-12"> <div class="card-deck"> <div class="card "> <div class="card-header"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/04174255/graphic-plus-sign.png" alt="Plus Icon" class="img-fluid d-block" /> </div> <div class="card-body"> <p><span style="font-weight: 400;">Options give investors added tools to augment and fine-tune their exposure to the markets</span></p> <p><span style="font-weight: 400;">Allow investors to bet on a price move for less than the cost of actually buying the stock</span></p> </div> </div> <div class="card lt-blue-bg"> <div class="card-header"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/04174254/graphic-minus-sign.png" alt="Minus icon" class="img-fluid d-block" /> </div> <div class="card-body"> <p><span style="font-weight: 400;">Require a lot of knowledge and sophistication to do well</span></p> <p><span style="font-weight: 400;">Options have much larger price swings than stocks</span></p> <p><span style="font-weight: 400;">Easy to lose 100% of your investment</span></p> </div> </div> </div> </div> </div> </div> <div class="module compare"> <div class="row mb-4"> <div class="col-12 col-lg-8"> <h3 class="green"> Annuities </h3> <ul> <li><span style="font-weight: 400;">Annuities are an insurance product that provides a steady cash flow during retirement</span></li> <li><span style="font-weight: 400;">It’s a contract between an insurance company and an individual to provide guaranteed regular payments over time in exchange for payments up front</span></li> <li><span style="font-weight: 400;">Invested upfront money is subject to early withdrawal penalties</span></li> <li><span style="font-weight: 400;">Immediate vs. Deferred: Immediate annuities begin paying as soon as a lump sum is paid, while deferred annuities begin paying out at an age you specify</span></li> <li><span style="font-weight: 400;">Multi-Year Guaranteed Annuities (MYGA) offer a fixed interest rate and minimum guaranteed return. They are structured like CDs but are not FDIC insured, though they are guaranteed by the insurance company as well as up to $100,000 by state insurance guarantee associations.</span></li> </ul> </div> </div> <div class="row"> <div class="col-12"> <div class="card-deck"> <div class="card "> <div class="card-header"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/04174255/graphic-plus-sign.png" alt="Plus Icon" class="img-fluid d-block" /> </div> <div class="card-body"> <p><span style="font-weight: 400;">Provides guaranteed, stable income in retirement</span></p> <p><span style="font-weight: 400;">Returns vary based on type, but are generally higher than CDs</span></p> </div> </div> <div class="card lt-blue-bg"> <div class="card-header"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/04174254/graphic-minus-sign.png" alt="Minus icon" class="img-fluid d-block" /> </div> <div class="card-body"> <p><span style="font-weight: 400;">Not recommended for younger investors; intended for people close to retirement age</span></p> <p><span style="font-weight: 400;">Money is locked up for a specified amount of time</span></p> <p><span style="font-weight: 400;">Penalties if money is withdrawn early</span></p> </div> </div> </div> </div> </div> </div> <div class="text-block module"> <h3 class="green"> The Sweet Spot: Stocks and ETFs </h3> <p><span style="font-weight: 400;">Stocks and ETFs offer the best balance of potential risk and reward. The stock market is open to everyone who wants to invest for themselves and make their money work for them.</span></p> <ul> <li><span style="font-weight: 400;">Easy to get started</span></li> <li><span style="font-weight: 400;">Doesn’t require a lot of money unlike, for example, real estate</span></li> <li><span style="font-weight: 400;">The U.S. stock market is the least expensive in terms of trading fees and the most liquid in the world, with around $362 billion in stocks being traded each day</span></li> <li><span style="font-weight: 400;">Stock indexes have a higher rate of return over time than CDs, bonds, money market accounts and mutual funds</span></li> <li><span style="font-weight: 400;">Stocks carry less risk than highly volatile investments like options and cryptocurrency, which can be risky for beginners</span></li> <li><span style="font-weight: 400;">Reinvesting the gains made from stocks makes for exponential growth over time</span></li> <li><span style="font-weight: 400;">The key: Start small and let success build on success</span></li> </ul> </div>  <div class="module text-two-col"> <div class="row"> </div> </div>  <div class="keypoints lt-grey-bg p-3 p-lg-5 "> <div class="container"> <div class="row"> <div class="col-12"> <h2 class="font-bold mb-4"> Key Points </h2> <ol>  <li> <div class="d-inline-block"> <h5 class="mt-0 font-bold"> </h5> <p class=""> There are many different types of assets you can invest your money in. They can vary from very safe and low return (CDs, money market accounts) to highly volatile and speculative (cryptocurrency and options). </p> </div> </li>   <li> <div class="d-inline-block"> <h5 class="mt-0 font-bold"> </h5> <p class=""> Take into account your time horizon and risk tolerance when choosing which assets to invest in. </p> </div> </li>   <li> <div class="d-inline-block"> <h5 class="mt-0 font-bold"> </h5> <p class=""> Educating yourself before investing in any asset is the most important step to take. </p> </div> </li>  </ol> </div> </div> </div> </div>  </div>  <div class="col-12 col-lg-3 side-rail "> <div class="searchsmartmoney"> <div class="searchfield"> <input type="text" name="search" class="search-input-sm" placeholder="search..." > </div> <div class="searchlist"> <ul class="search-results-sm"></ul> </div> </div> <div class="sticky"> <p class="text-uppercase font-normal"> Topics </p> <ul class="side-nav list-unstyled">  <li> <a href="https://www.dowjones.com/smartmoney/weekly-market-update" class="green">Weekly Market Update</a> </li>   <li> <a href="https://www.dowjones.com/smartmoney/why-should-you-care-about-financial-wellness/" class="green">Why Should You Care About Financial Wellness?</a> </li>   <li> <a href="https://www.dowjones.com/smartmoney/money-budgeting-and-taxes/" class="green">Money, Budgeting and Taxes</a> </li>   <li> <a href="https://www.dowjones.com/smartmoney/debit-credit-checking-and-savings/" class="green">Debit, Credit, Checking and Savings</a> </li>   <li> <a href="https://www.dowjones.com/smartmoney/credit-scores/" class="green">Credit Scores</a> </li>   <li> <a href="https://www.dowjones.com/smartmoney/why-start-investing/" class="green">Why Start Investing?</a> </li>   <li> <a href="https://www.dowjones.com/smartmoney/what-is-the-stock-market/" class="green">What is the Stock Market?</a> </li>   <li> <a href="https://www.dowjones.com/smartmoney/cars-buying-vs-leasing/" class="green">Cars: Buying vs. Leasing</a> </li>   <li> <a href="https://www.dowjones.com/smartmoney/how-to-pay-for-college/" class="green">How to Pay for College</a> </li>   <li> <a href="https://www.dowjones.com/smartmoney/housing-renting-and-buying/" class="green">Housing: Renting and Buying</a> </li>   <li> <a href="https://www.dowjones.com/smartmoney/retirement/" class="green">Retirement</a> </li>   <li> <a href="https://www.dowjones.com/smartmoney/types-of-insurance/" class="green">Types of Insurance</a> </li>   <li> <a href="https://www.dowjones.com/smartmoney/calculators/" class="green">Calculators</a> </li>   <li> <a href="https://www.dowjones.com/smartmoney/videos/" class="green">Videos</a> </li>   <li> <a href="https://www.dowjones.com/smartmoney/challenges/" class="green">Challenges</a> </li>   <li> <a href="https://www.dowjones.com/smartmoney/events/" class="green">Events</a> </li>   <li> <a href="https://www.dowjones.com/smartmoney/resources/" class="green">Resources</a> </li>   <li> <a href="mailto:smartmoney@dowjones.com" class="green">Contact Us: smartmoney@dowjones.com</a> </li>  </ul> </div> </div>  </div> </div> </section> <section class="bottom-nav-list"> <div class="container"> <div class="row mb-4"> <div class="col-12"> <h3 class="text-leftfont-light text-uppercase"> Explore </h3> </div> </div> <div class="row">  <div class="col-12 col-lg-6 "> <div class="media mb-4"> <div class="rounded-circle mr-3 p-3"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/02144954/icon-calculator.png" alt="" class=" " /> </div> <div class="media-body"> <h4 class="font-light green"> <a href='https://www.dowjones.com/smartmoney/why-should-you-care-about-financial-wellness/' class='green'>Why Should You Care About Financial Wellness?</a> </h4> <p> Knowing the basics of money and finance can give you a big advantage. Find out how a little learning goes a long way towards your financial well-being. </p> </div> </div> </div>   <div class="col-12 col-lg-6 "> <div class="media mb-4"> <div class="rounded-circle mr-3 p-3"> <img src="https://images.dowjones.com/wp-content/uploads/sites/43/2024/04/02144952/icon-arrow.png" alt="" class=" " /> </div> <div class="media-body"> <h4 class="font-light green"> <a href='https://www.dowjones.com/smartmoney/what-is-the-stock-market/' class='green'>What is the Stock Market?</a> </h4> <p> Bulls, bears and big banks: It’s all part of what we call the stock market. 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