Not great enough to miss out on investing altogether. Don't be afraid to diversify globally International mutual funds are an efficient way for most individual investors to capture opportunities abroad, such as the stocks and bonds of top-flight international corporations. Of course, international investing has certain risks not associated with investing in the U.S. of which you should be aware and which are discussed in the Fund's prospectus. These risks include currency fluctuations and political changes. Today, opportunities abroad are often worth exploring.
Past performance is no guarantee of future results.
It's even worse if you are paying current income taxes. So, too much money allocated to a CD may be too risky for an investor who needs to build wealth over time. Investments with limited or deferred tax obligations are preferred over those where taxes are paid currently. Of course, CDs are insured by the U.S. government as to principal and interest while investment returns on mutual fund shares will fluctuate so that fund shares, when redeemed, may be worth more or less than their original cost. Saturna's representatives can help you determine an appropriate amount and type of risk.