I'm unsure of where to invest my money. I know very little about stocks but might be interested in learning more about them. Can you direct me on where to begin?
I'm unsure of where to invest my money. I know very little about stocks but might be interested in learning more about them. Can you direct me on where to begin?
user
Sure.  I’d like to help, but first I’d like to make sure you understand that I don’t have any expertise in finance.  So if you want to know how to buy stock or trade or invest, you’ll need to find someone who does have expertise in that field.
assistant
Can you tell me a little about the basics of what the stock market is?
user
Sure.  The stock market is where the buying and selling of stock is done.  This allows people to make investments, such as buying a share of a company, and receive dividends.  People buy stocks in an attempt to invest in a company.  Some stocks are issued for free, and some are issued through a “bidding” process, where companies sell shares.  When you buy shares you own a portion of the company, and you can expect to get money if the company does well, but that money will be determined by the stock price.
assistant
What is an annuity?
user
A fixed rate annuity is an investment contract with an insurance company, in which you agree to a fixed rate of return.  The money you put into the annuity is invested in something like stocks, bonds, and other types of securities.  Then every year, as long as you remain in the annuity, you will get a regular, guaranteed payout, like a dividend, based on the performance of the investments.  If the investments lose money, the annuity will continue to pay you a minimum amount.  And if the investments make money, you will get the same percentage.
assistant
Are annuities a safer option than stocks?
user