Finding a good investment manager can be very difficult; ____, it is not impossible. ____ some may talk the talk, it is important to look at their experience and references. ____, the ability to listen to the client and consider his/her concerns, ____ ROI, risk management, and market volatility must also be taken into consideration. Many older people don’t want to invest in high risk companies; ____, they prefer to invest in bonds or commodities like gold or silver. Younger people, ____, aren't afraid ____ that they could lose all their savings. There is always more risk investing in the stock market; ____ it remains the majority of investments. ____ of what you choose, some believe that it is better to invest your money, rather than leave it in a savings account, ____ the low interest rates. ____ I didn’t have a lot of money, I wanted to invest in the stock market. I had heard that one could buy penny shares, ____ bonds and commodities like gold or silver. ____, I didn’t know anything about investing, ____ I called a friend of mine who recommended that I call a stockbroker. I felt stupid calling him to invest such a small amount of money, ____ I did it. What did I have to lose? He gave me some good advice, ____ buying hedge funds which would give me a better return on my investment. ____ the small amount that I had to invest, the broker took my name and said he would create a portfolio just for me. I was happy that I’d called.

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