But you have to see if you can really afford to keep this minimum deposit with the bank because if your total deposited amount goes less than this, you will have to pay an additional charge. (iv) There may also be a limit on the number and the amount of withdrawals that you make from the savings account. The Bull market which had lasted throughout the 1920s had even led one eminent economist, Irving Fisher, to state that "Stock prices have reached what looks like a permanently high plateau." It seemed at the time that everyone in the nation was obsessed with the stock market and share dealing became the "in thing" to do. These can happen very rapidly without warning and send prices shooting either up or down and totally confounding the indicators. A feature of any stock market that further complicates matters is the fact that there are several prices for any one stock. You really need to be sure which price you are referring to if you are going to fully understand the stock market. There is a maturity period, after which you get back the sum you deposited along with the interests accrued. Since you are going to get your savings here in the form of interests, the concept of high CD rates becomes important. It does not take a lot of genius to understand that if you make Certificates of Deposit with high CD rates, you stand to save an appreciable amount. It's not just the jargon and terminology either there are all the various abbreviations that are sprinkled around like confetti to think of as well. Of course part of the reason is the undoubted complexity of stocks and shares but there is just that sneaking suspicion the new investor will have that it is to keep the uninitiated out too. Something that is very important to learn is how you feel about risk levels. This can be sometimes overlooked in the excitement of making your first investment but it can have a serious impact on your performance. If you are what is called "risk averse" you will probably be a nervous wreck if you put all your money into high risk shares.