 TITLE: What Is Ethereum and How Does It Work? CONTENT: Alternatives Ways to Invest\n---------------------------\nThe volatility of cryptocurrencies make them attractive to investors looking to cash in on fluctuating prices. However, many investors only hold a small portion of their investments in cryptocurrencies. Whether you're just starting or you're an experienced investor, diversifying your investments can help limit your risk.\nConsider the many ways you can invest your money beyond cryptocurrencies:\n*   **Stocks**: When you invest in company stocks, you're purchasing a portion of the business. As a partial owner, you can then benefit financially when the company's value increases. Some public companies also share their revenue with stockholders by issuing dividends.\n*   **Bonds**: A bond is a loan taken out by a corporation or government. When you purchase bonds, you're lending money and will then get repaid with interest. There are different types of bonds, and your return and risk can depend on the risk that the borrower won't be able to repay you.\n*   **Mutual funds and exchange-traded funds (ETFs)**: Mutual funds and ETFs can hold or track multiple investments, letting you quickly invest in different areas with a single purchase. For example, you could buy a fund that tracks the entire stock market or a fund that focuses on sustainable businesses. There are even funds that focus on cryptocurrencies and blockchain companies available to investors.\n*   **Retirement accounts**: Retirement accounts, such as IRAs and 401(k)s, can offer tax advantages to investors. An IRA or 401(k) isn't an investment in and of itself, but you can move money into one of these accounts and then invest the funds.\nNo matter the investment, there's always a risk that you'll lose money. High-yield savings accounts and certificates of deposit (CDs) can offer nearly risk-free ways to make money, but you'll usually need to take on more risk if you want higher returns. END