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The earlier we begin the less 10money you will have to put aside each month and the more total savings you will accumulate.

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8Bonds and stocks often have higher returns than savings accounts or EE saving bonds but are more riskier.

Every type of savings or investment has some risk that the return will be less than needed or expected.Federally insured savings accounts are safe and guaranteed up to $100,000 by the U.S. Government.Therefore, they may have lower interest rates, making 7it hard to save large amounts of money for college.

9You can reduce the risks of these kinds of investments by starting to save early.

Interest refers to the amount what your money 3earns when it is kept in a savings instrument.