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About Oregon daily emerald. (Eugene, Or.) 1920-2012 | View Entire Issue (May 13, 2004)
Faith & Its Role in Higher Education 1d Atuuud tf-CLOultu, tf-OSUMl There will be a panel discussion led by faculty, followed by questions/comments and a wine and cheese reception. UO PROFESSORS Daniel Falk, Religious Studies Steve Shoemaker, Religious Studies Deborah Green, Religious Studies Timothy Gianotti, Religious Studies Jack Maddex, History LCC PROFESSOR Eileen Thompson, English NCC PROFESSOR Loren Crow, History and Biblical Studies HSU PROFESSOR EMERITA Dodi Poelzer, Sociology Friday, May 14th, 5:00 p.m. Event will be held at the Newman Center I 850 Emerald Street (across from Hayward Field) / For more information, call 346-4468 your independent student newspaper Investment Group advises students on financial gains The campus group explores monetary options such as stocks and mutual funds By Steven Neuman News Reporter Games of chance, such as dice and roulette , often offer a thrill as play ers face the potential of winning some money. Yet smart investing can provide better odds and bigger pay offs than anything on a casino floor — even for beginners. The stock market isn't about luck, it's about smart investing and getting ahead in the game, said Pei-Kai Chi, director of operations for the Uni versity's Investment Group. "You want to get a start as early as possi ble because that can make a huge difference." The Investing Group is an organi zation of students composed of un dergraduates and graduates in vari ous majors at the University. Members research potential invest ments, write reports and share their findings to gain real-world investing experience. But investing does not only mean buying stocks. The markets offer in vestors many options with different amounts of risk. Choosing the right option means evaluating how much money one is willing to lose at the expense of gaining more, Chi said. Chi, who graduated from the Uni versity in April, said a certificate of deposit or money market account generally offers the best investment for those looking to invest but un willing to take the risks associated with the stock market. "Instead of opening a savings ac count with your bank, open a mon ey market account," Chi said. Basi cally it's risk free, but you're taking a little risk so you get slightly higher interest rates. "In a money market account the bank will invest money for you in the market so they pay you a better rate" Chi said CDs offer beginning in vestors the best low-risk, short-term investment. They have set time lim its, which may range from six months to a year or more, before the invested money becomes "mature." During that time, banks will invest the money and pay investors a set amount of interest based on the in terest rate set by the government. The bank is obligated to return an investment with the accrued interest, making CDs very safe but not very profitable, Chi said. "1 would always recommend a CD because it's so low risk, but since the interest rate is so low right now, they will only pay one percent or two per cent interest rate," Chi said. Chi said investors looking for a larger return on investments must take more risks. "If you don't know too much about the stock market, mutual funds are the way to go," he said. Mutual funds are "pools" of mon ey created by companies in which people invest. Professionals use the investors' collective funds, known as a portfolio, to buy a wide range of stocks and make investments. Chi said a fee usually accompa nies mutual funds because they are managed by professionals. "Sometimes they will charge a one to two percent expense ratio, so if you make $100 they will charge one to two dollars to just manage the money," he said. Associate business Professor John Chalmers is the faculty advisor for the Investment Group. "The best stock tip is not to pick (individual) stock," said Chalmers. "The best stock tips are index funds and mutual funds — things that provide for a diversified portfolio." The riskiest but most potentially lucrative choice a beginning investor can take is to purchase individual stock in companies. Purchasing stock may be very profitable because the stock market, which controls the price of stocks, is so unpredictable, Chalmers said. Chi said a strong base of knowl edge about the companies one is in vesting in is the foundation of wise investment choices. 'The stock market is risky only if you don't understand it and you just go ahead and buy whatever the newspa pers say (is doing well); then I don't suggest it," he said. "You may want to talk to some professional, or I would suggest that students go to Merrill Turn to INVESTMENT, page 5 fashion that pays to be me Oregon Daily Emerald P.O. Box 3159, Eugene OR 97403 The Oregon Daily Emerald is pub lished daily Monday through Friday during the school year by the Oregon Daily Emerald Publishing Co. Inc., at the University of Oregon, Eugene, Oregon.The Emerald operates inde pendently of the University with of fices in Suite 300 of the Erb Memorial Union. The Emerald is private prop erty. The unlawful removal or use of . papers is prosepu^le by law. , j j NEWSROOM — (541)346-5511 Editor in chief: Brad Schmidt Managing editor: Jan Tobias Montry Freelance editor: Jennifer Sudick News editors: Jennifer Marie Bear, Ayisha Yahya Senior news re porters: Chelsea Duncan, Jared Paben News reporters: Moriah Balingit, Lisa Catto, Parker Howell, Steven Neuman Pulse editor: Aaron Shakra Senior Pulse reporter: Ryan Nyburg Pulse reporter: Natasha Chilingerian Pulse columnists: Helen Schumacher, Carl Sundberg Sports editor: Hank Hager Senior sports reporter: Mindi Rice Sports reporters: Jon Roetman, Alex Tam Editorial gditpr; 9A)umnis^: Pet§rJi^ck^j|y, D^ig . Jagernauth, Marissa Jones, Chuck Slothower Illustrators: Steve Baggs, Eric Layton Design editor: Tanyia Johnson Senior designer: Sean Hanson Designers: Killian Mcllroy, Kira Park Photo editor: Danielle Hickey Senior photographer: Lauren Wi mer Photographer: Tim Bobosky Part-time photographers: Erik R. Bishoff, Tim Kupsick Copy chiefs: Kim Chapman, Rebekah Hearn Copy editors: Tarah Campi, Stefanie Contreras, Jeannie Evers, Alicia Gesner, Paul J. Thompson Online editor: Erik R. Bishoff Webmaster: Eric Lay ton BUSINESS — 346-5512 General manager: Judy Riedl Critchett Distribution: Caron Alarab, Megan Anderson, John Long, Matt O’Brien, Mike Schapira, Ben Turner ADVERTISING — DISPLAY 346-3712 CLASSIFIED 346-4343 Director: Melissa Gust Sales manager: Michelle Chan Sales representatives: Army Feth, Patrick Gilligan, Megan Hamlin, Kim Humphries, Alex Hurliman, Tyler Mack, Shannon Rogers, Katherine Vague Assistant: Thomas Redditt Classified advertising associates: Liz Carson, Liz Conant, Sabrina Gowette, Keri Spangler PRODUCTION — 346-4381 Manager: Michele Ross Production coordinator: Tara Sloan Designers: Jen Cramlet, Kristen Dicharry, Matt Graft, ^ Apd^H°lland, Marissa Jones, Jonah Schrogin
