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If you're looking for ways of expanding your investment opportunities, financial experts always talk about diversification of investments, meaning, don't put all your eggs in one basket. Despite this advice, many are choosing to put most of their investment dollars in metals such as gold and silver. Some choose to buy the actual hard metals, while others stick to stocks in metals.

As we all have experienced, gas prices have gone up. Another smart investment is natural gas and oil. Although it's not fun to put money in an investment that will bring up the cost of gas prices, at least if you're invested in such stocks, you can get your money back, in a sense.

Technology is always an interesting type of investment. Many of us wish we had put our money in Microsoft when it first took off. We'd be millionaires today. The goal of any investor is to find companies that show amazing promise and to invest in them.

Playing it safe might be more your cup of tea and if that's the case, investing in mutual funds is the way to go. Your choices include a wide variety such as Vanguard, Prudential and Goldman Sachs. The yields on mutual funds aren't as good as they used to be, but if you're not big on risk, they're the way to go.

Investing in overseas opportunities is a good idea for 2011 as you see the strength of overseas economies rise. " Emerging markets remain on track to outpace the U.S. over the next few years because of their strong economies," says financial adviser Chris Cordaro. "But emerging-market stocks pose a risk, after having experienced a huge run. And you want to limit your exposure to no more than 10% to 15% of your equities, since emerging-market shares can experience sudden, steep losses," reports

Investment is putting money into something with the expectation of profit. More specifically, investment is the commitment of money or capital to the purchase of financial instruments or other assets so as to gain profitable returns in the form of interest, dividends, or appreciation of the value of the instrument (capital gains). It is related to saving or deferring consumption. Investment is involved in many areas of the economy, such as business management and finance whether for households, firms, or governments. An investment involves the choice by an individual or an organization, such as a pension fund, after some analysis or thought, to place or lend money in a vehicle, instrument or asset, such as property, commodity, stock, bond, financial derivatives (e.g. futures or options), or the foreign asset denominated in foreign currency, that has certain level of risk and provides the possibility of generating returns over a period of time.

Investment comes with the risk of the loss of the principal sum. The investment that has not been thoroughly analyzed can be highly risky with respect to the investment owner because the possibility of losing money is not within the owner's control. The difference between speculation and investment can be subtle. It depends on the investment owner's mind whether the purpose is for lending the resource to someone else for economic purpose or not.

In the case of investment, rather than store the good produced or its money equivalent, the investor chooses to use that good either to create a durable consumer or producer good, or to lend the original saved good to another in exchange for either interest or a share of the profits. In the first case, the individual creates durable consumer goods, hoping the services from the good will make his life better. In the second, the individual becomes an entrepreneur using the resource to produce goods and services for others in the hope of a profitable sale. The third case describes a lender, and the fourth describes an investor in a share of the business. In each case, the consumer obtains a durable asset or investment, and accounts for that asset by recording an equivalent liability. As time passes, and both prices and interest rates change, the value of the asset and liability also change.

An asset is usually purchased, or equivalently a deposit is made in a bank, in hopes of getting a future return or interest from it. The word originates in the Latin "vestis", meaning garment, and refers to the act of putting things (money or other claims to resources) into others' pockets. The basic meaning of the term being an asset held to have some recurring or capital gains. It is an asset that is expected to give returns without any work on the asset per se. The term "investment" is used differently in economics and in finance. Economists refer to a real investment (such as a machine or a house), while financial economists refer to a financial asset, such as money that is put into a bank or the market, which may then be used to buy a real asset.