Any investor has to understand a financial product and discuss before getting involved into the investing process. Investing in a laymen's sense is saving the resources earned for future utilization. The investor has to know the massive array of deals scams and tricks in the world of money business. The must make sure that the investment being made yields certain percentage of interest. Investing in companies with healthy growing dividends is vital to make decent returns in the long run. Banks and other financial institutions today provide with a wide range of investment products and services which if wisely selected can reap rich dividends for future. There are various investment opportunities in Real estate, retirement plans, stocks and shares, mutual funds, bonds and debentures and so on. The last element to maximize the investment returns is to keep enough cash on hand to meet unexpected expenses.