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Stocks have been crazy this past year. Most recently, five drops of over 200-points in the Dow in the past two weeks. As of this writing, the Dow is up, but most mutual funds have started this year off in the negative. If you have money to invest, but want to avoid the ups and downs of the stock market, where would you invest? I want the best yield I can get for the risk.
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April 25th, 2010 at 5:02 am
Consider the Vanguard Prime Money Market Fund with a current compound yield of ~4.64% APR.
https://flagship.vanguard.com/VGApp/hnw/FundsSnapshot?FundId=0030&FundIntExt=INT
If you are in a high tax bracket you may prefer their tax exempt money market funds:
https://flagship.vanguard.com/VGApp/hnw/FundsByType
Sometimes other institutions will have a higher teaser rate, but Vanguard tends to have the highest yields I’ve found over the long run. (Vanguard money markets are not FDIC insured, however.)
Article on teaser rates:
http://www.marketwatch.com/news/story/banks-advertised-rates-dont-always/story.aspx?guid=%7B0A13B6E2-FFB2-4E2B-BD42-E2D1E01C52E5%7D
ING and HSBC often have rates close to Vanguard, and most of their products are FDIC insured. Bankrate.com provides links to CD’s with high interest rates as well as high interest rate banks. You can check these at the following links:
http://home.ingdirect.com/open/open.asp
http://www.us.hsbc.com/1/2/3/personal/savings?code=husa
http://www.bankrate.com/
P.S. If you can stomach the volatility, a diversified no-load index fund will give you a greater return over the long run. If you can’t stand the volatility, try the above methods.
April 25th, 2010 at 5:02 am
Some say gold will go to close to$2000, Rental property is my choice, income now and poss cap gains down the road
April 25th, 2010 at 5:02 am
You can’t have high yield without risk; they go together. For safety, buy Treasury bonds.
April 25th, 2010 at 5:02 am
A savings account from an online bank if you want to avoid ups and downs. Honestly though, if you look at a 10-20 year time frame, the market has always gone up.
April 25th, 2010 at 5:02 am
How about commodities ? Oil is down from an all time supermegahigh, but uswheat and soybean have been pretty stable, growing throught the early stages of subprime in mid 2007 and holding up fairly well since 2008
April 25th, 2010 at 5:02 am
I would stick to money markets if you want lower risks. Remember, for every 50% drop you have in a investment you will have to hold it till it goes up 100% just to break even.
If you think things will continue to fall keep this in mind.
Buy stock xzy at $50/share. 3 months from now its at $25/share
You just lost 50%. To get back to break even the price has to go up 100%. How long do you think that will take? If it takes 4 -5 years then you will have the exact same amount of money then you have now, whereas if you invest in a money market you will get 4%/yr compounded monthly which may be a 21% profit 5 years from now
April 25th, 2010 at 5:02 am
Something you might try to diversify your investments is prosper. This will help you to move away from the stock market fluctuations. I’ve been lending small amounts and earning a very health return.
Imagine investing your money like a bank does.
http://www.prosper.com/join/legareth