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What is an investment vehicle? An investment vehicle is almost anything you can buy or invest in to earn a profit. Financial advice has its own special language, loaded with terms and phrases that aren’t easy to decipher. “Investment vehicles” is one of those industry phrases, and it’s easy to translate into everyday English.

What is an investment vehicle? An investment vehicle is almost anything you can buy or invest in to earn a profit.

What are the most common types of investment vehicles? Stocks Bonds Mutual funds Exchange-traded funds Cash equivalents

7 Components for a diversified portfolioDiversified Portfolio • Stocks • Commodities • Real Estate • ETFs • Annuities • Bonds • Debt MFS

What is an investment vehicle? An investment vehicle is almost anything you can buy or invest in to earn a profit. Depending on the type of investment vehicle, it can be low-risk or high risk. Some common low-risk vehicles include certificate of deposit (CDs), bonds and high yield savings accounts.

How much does your bank know you? The better your bank knows you, the better service you’ll get.

Smarter lending decisions ‍Before today’s level of personalization, banks relied on credit scores to assess customers like you.

More personalized money management Banks now commonly track your debts, savings and spending habits.

Improved theft prevention Personalization can also keep your money more secure. With AI technology, your bank can identify behavior patterns that make sense for you -- and other behavior that’s suspect, likely indicating fraud.

Next best action Banks also use personalization to suggest and sell you services that make more sense for you.

8 Important financial advice to rememberFinancial Advice to take note of

• Be clear about your goals • Keep an emergency fund • Make a budget • Save strategically • Avoid frivolous spending • Avoid insurance blunders • Planned investments • Using bright

Next best action Banks also use personalization to suggest and sell you services that make more sense for you. It’s called 'next best action' and, after learning your financial habits and goals, the process decides which offer, discount or service suits you best.

How covid-19 changed the way we spend money With the pandemic’s restrictions, more transactions have gone digital.

More digital payments Digital payment platforms like Apple Pay and Google Pay have seen a rapid rise in use, a shift in preference that’s predicted to last long after the pandemic.

More emergency funds An "emergency fund" is like a personal safety net. It’s a savings fund reserved for major events, like losing your job or a major medical expense.

More online shopping Before the pandemic, online shopping was already gaining ground, replacing a lot of brick-and-mortar retail.

Ready to achieve financial stability? Bright can help you save more! Automatic. Hassle-free. The Covid-19 pandemic has changed the way the world lives, works and uses money. During lockdown restrictions, people stayed close to home, relied more on online shopping and avoided cash in favor of digital transactions.

More digital payments Digital payment platforms like Apple Pay and Google Pay have seen a rapid rise in use, a shift in preference that’s predicted to last long after the pandemic.

More emergency funds An "emergency fund" is like a personal safety net. It’s a savings fund reserved for major events, like losing your job or a major medical expense.

More online shopping Before the pandemic, online shopping was already gaining ground, replacing a lot of brick-and-mortar retail.

Is 750 a good credit score? What are the benefits of a 750 credit score? A credit score of 750 is often considered very good or even excellent and is above the average credit score.

How easy is it to get a 750 credit score? A credit score of 750 is not so impossible, but it does require commitment and consistency.

Here are 3 ways to reach a 750 credit score: 1. Make timely bill payments 2. Pay off credit card debts 3. Make use of free credit monitoring

How to maintain and improve a 750 credit score? A credit score of 750 is very close to perfect. But it doesn't stick with you forever. A high score is something you have to continually earn. 1. Lower your credit utilization 2. Avoid hard inquiries

What are the benefits of a 750 credit score? 1. Better mortgage rates 2. Better car loan options 3. Better credit card options

Benefits of having a Credit Score > 750 • Cashback on purchases • Discounts on airfares • Perks and rewards How easy is it to get a 750 credit score? A credit score of 750 is not so impossible, but it does require commitment and consistency.

Here are 3 ways to reach a 750 credit score: 1. Make timely bill payments 2. Pay off credit card debts 3. Make use of free credit monitoring

How to maintain and improve a 750 credit score? A credit score of 750 is very close to perfect. But it doesn't stick with you forever. A high score is something you have to continually earn. 1. Lower your credit utilization 2. Avoid hard inquiries

What is the Rule of 72? The Rule of 72 is a simple formula that tells you how long it will take to double your investment.

Saving and investing can be full of unknowns. How fast will your money grow? When you use an account with a fixed interest rate or an investment with a fixed rate of return, use the Rule of 72 to calculate how long it will take for your money to double.

The Rule of 72 at work Here’s an example: Let’s say you invest $1,000 in a 20-year US Treasury bond that earns a 2.18% fixed annual interest rate. Here’s the math for the Rule of 72

Benefits of using Bright as your personal finance app.

• Personalized Bright Plan, a step-by-step guide to reaching goals • Automated payments to credit cards • Build more savings, automatically • Personalized budget and spending breakdowns

What is the Rule of 72? The Rule of 72 is a simple formula that tells you how long it will take to double your investment. The calculation is easy: just divide the annual interest rate by 72. The answer will be the number of years it will take to double your funds.

What's a better investment: options or stocks? Stocks are factual ownership in a company while options are traded at a given price and time.

There are two types of options: Call option Put option

What is the difference between options trading and stock trading? The difference between trading with options and stocks are: 1. Ownership ‍2. Dividends 3. Investor type 4. Type of investments 5. Time 6. Quantities 7. Tax

Diversify your portfolio | Components of a diversified portfolio • Stocks • Commodities • Real Estate • ETFS • Annuities • Bonds • Debt MFS

What is the difference between options trading and stock trading? 1. Ownership: 2. Dividends: 3. Investor type: 4. Type of investments: 5. Time: 6. Quantities: 7. Tax:

How much money should I keep in my checking account? The general rule is to have to two months' worth of living expenses in your checking account. How much money should I keep in my checking account? What should I use funds in my checking account for? Use your checking account to cover regular spending in your budget, following these four categories • Essential expenses • Everyday expenses • Minimum balance requirements

What kinds of accounts should I have? A checking account is a good place to start and a smart way to keep cash at hand. But to use it well, make sure you have all three of these accounts: • Checking Accounts • Savings Accounts • Retirement Accounts

A financial plan to keep finances on track | Get your Financial Plan. Get started today with bright

• Pay off credit cards • Get a plan • Bulld savings • Improve credit score

What should I use funds in my checking account for? Use your checking account to cover regular spending in your budget, following these four categories: • Essential expenses • Everyday expenses • Minimum balance requirements

What kinds of accounts should I have? A checking account is a good place to start and a smart way to keep cash at hand. But to use it well, make sure you have all three of these accounts: • Checking Accounts • Savings Accounts • Retirement Accounts

How much does your bank know you? The better your bank knows you, the better service you’ll get.

Smarter lending decisions ‍Before today’s level of personalization, banks relied on credit scores to assess customers like you. More personalized money management Banks now commonly track your debts, savings and spending habits. Improved theft prevention Personalization can also keep your money more secure. Next best action Banks also use personalization to suggest and sell you services that make more sense for you.

Personal Finance tips to keep on track • Be clear about your goals • Keep an emergency fund • Make a budget • Save strategically • Multiple sources of income • Watch your DTI • Don't overpay your taxes • Using bright

How to go cashless: 6 easy ways to go cashless Credit cards, mobile payments, e-wallets and prepaid cards are popular easy to go cashless online. Credit cards Over 191 million Americans carry at least one credit card, and most have four cards to their name. • Mobile payments • Bank transfers • E-wallets

Prepaid cards Prepaid cards are preloaded with funds to use for transactions. • Open loop. These are general-purpose prepaid cards that can be used almost identically to credit cards and debit cards. • Closed-loop. These cards can only be used at one place of business.