MENU
component-ddb-728x90-v1-01-desktop

Dollars & Sense: Types of Investing

Derek Elrod, a Certified Financial Planner and president of RB Capital Management in Fresno, visited Great Day to talk about different types of investments.

Derek Elrod, a Certified Financial Planner and president of RB Capital Management in Fresno, visited Great Day to talk about different types of investments.

Derek said there are two different ways to think about investing. You're either loaning money or your buying ownership in something.

Common Investments:

  • Money Market / Cash Equivalent (Loaning money to the bank. Very accessible but low interest)
  • Certificate of Deposit or CD (Loan to back. Can't touch until specified date so it earns a little more interest)
  • Bonds / Fixed Income (Loaning to the government, mortgage company, corporation. More risk means higher interest)
  • Stocks / Equity (Buying ownership. Higher risk, very volatile)


Funds can be thought of as an umbrella with a bunch of investments under it.

Types of Funds:

  • Mutual Fund (Has a bunch of stocks, bonds or both. Has an active management team making investment decissions)
  • Index Fund (Same as mutual fund but is passive with no management team, it replicates the DOW)
  • Exchange Traded Fund (Active or Passive and is traded on the stock exchange)
  • Target Date Funds (401k, retirement date fund, gets more conservative as you near that date)


RB Capital Management is located at 986 W. Alluvial Avenue, Suite 101 in Fresno.

Click here to visit RB Capital Management online or call (559) 432-6100.

Derek Elrod is the President of RB Capital Management, LLC and President of the Financial Planning Association of Central California. He received his undergraduate degree at Santa Clara University with a Bachelor of Science in Commerce with a focus on Finance, his Masters in Business and Administration from California State University Fresno, and will have completed a Masters in Financial Planning & Taxation from Golden Gate University in April 2018. Derek is a Certified Financial Planner and also possesses a Series 7 securities license, a Series 66 license, and has a California Life & Health Insurance license.

* Advisory Services offered through RB Capital Management, LLC and securities through APW Capital, Inc. Member FINRA/SIPC

close video ad
Unmutetoggle ad audio on off

Trending