How can I safely invest my money?

I currently have my money in some moderately agressive mutual funds. However, if I feel a severe long recession is forthcoming, were should I move my money to take advantage of it, or at least protected from deep losses?

If these mutual funds are making you money, then stick with them, buying and selling only racks up a lot of fees & taxes.

If you're relatively young and these funds are sound investments, keep them and try to dollar-cost-average (invest the same amount of money per month in one or more of the funds - you'll acquire more shares when prices are down). Over the long-term, this should work well.

If they are good funds, but you can't stand the price fluctuations, keep them until they go back up in value before selling (or you'll fall into the trap of "buying high, selling low").

Then, put new money in more moderate funds and invest the proceeds from the more aggressive funds when you sell them.

A couple of sources for checking the quality and performance of mutual funds are www.morningstar.com and www.smartmoney.com

Good luck!

You won't make any "deep losses" unless you SELL during a market dip, silly goose!

If you have $10,000 and you put it in a shoebox under the bed, so long as no-one steals it it will be completely "safe", and in 30 years you'll have $10,000...

If you put $10,000 in a high-risk, aggressive growth-stock fund today (where it won't be "safe" at all!), there is a distinct possibility it may be worth only $6,000 at some point over the next couple of years (but no-one can tell you when), but if you just leave it alone in spite of that, it will grow an AVERAGE of 10-12% a year over the next 30 years, and you'll have somewhere between $175,000 and $300,000...

Which scenario carries the real "risk"?

(P.S. Gold is a hedge or a hobby, not an "investment"... compare the value of $1000 "invested" in gold in 1900 with that of $1000 invested in the Dow Jones...)

You might consider a DRIP Plan.

They are seldom talked about because brokers make very little money when they suggest them. Yet, they have proven to be one of the best, if not the best, long-term strategy on Wall Street.

The best part is you get solid annual returns from well-known, safe Blue Chip companies like: McDonalds, General Electric, Pfizer, Walmart, US Bancorp.......etc........

They are perfect for small investors, as well as big investors. They are safe and allow you to not care about whether the market is going up or down.

If you feel your mutual funds are going to be vulnerable, and most mutual funds are, then it might be a good idea to move your money to a less aggressive investment vehicle.

Better invest overseas.
Alternatively try to invest in someones business. You may receive up to 20% guaranteed interest per year. You will not get such high guaranteed returns on stocks, mutual funds, bonds or CD's.
If you invest $10,000 at 20% APY, you will get back $24,883 in 5 years. I run my own business and my net profit is over 5% a month.

Email me at investment4us@hotmail.com and I'll give you a valuable advice if you are serious about investing. Please don't forget to mention your question and screenname on Yahoo Answers.
Best of luck!

If your investment is long term, you should leave it alone. If you're not comfortable with the current risk, move it to money-markets or CDs. Less risk = less return.

I had the same problem as you have.
I had a good amount of money, but didn't knew where to invest it.
So I looked around for something that gave me a great return towards a low risk.
And the only thing I could find was a mannaged account.
Here you can follow up my results of every day:
http://my-robottrader.blogspot.com/

I'm verry excited because I already have 48% ROI in Two months time.
My moneymannager is giving me great support, and answer all of my questions almost immediatly.
Annyway feel free to contact me (adress on my blog) and I'll bring you in direct contact with my money mannager.

IВґve been investing for more than 20 years and trading for almost 14, and I can tell you that if you want to make BIG and FAST profits, I recommend you trading rather than investing, trading can help you to go from rags to rich.
If you are investing, you must have already achieved some degree of financial success, long term stock investing and FOREX can help you become much richer than you are today.
My experiences as a Nasdaq Market Maker, Head trader of seveal brokerage firms, and currently as a professional trader and private hedge fund manager, I can suggest you that:

We trade because we want quick, short term profits on a consistent basis. We want to cash flow the market. Milk it like a cow. Make consistent, small, short term gains rather than trying to hit a home run on every trade. Don't ever forget that, don't marry a stock, marry the idea of making money trading stocks. That's the only way to do it.

For me "All stocks are equally worthless"

I don't hold on to any illusion that the stock market will continue to go up and provide a nice retirement for me.
I could care less which way the market goes. It's irrelevant to me if the market goes higher, crashes or moves sideways for the next 50 years. I really could care less. Stocks are just four letters with two prices next to them that I use to make a living trading.

Trade ONLY when you have a clear, easy and identifiable advantage, because without a CLEAR EDGE your odds of success are NO better than a flip of a coinвЂ¦ ThatВґs why so many new traders (and investors) lose money.

Take a look at any daily chart of any index or stock and you'll probably see the most volatility and the biggest opportunity for profit during the first Hour of the stock market's opening.

The popular thinking and conventional wisdom is that you should wait about an hour before you start trading.

But if you do, you'll miss the big, fast moves that stocks make as all the amateurs let their emotions out through their online accounts, usually right after they read some news headline or hear Maria Bartiromo go off about a stock on CNBC.

It's easy to see why trading the open is the market's prime time for profiting from other online traders.
The market's open is very volatile - that is the perfect environment for LARGE, FAST profits.

Learn to trade as a professional Market Maker ,not as an emotionally driven amateur trader or investor with few thousand dollars in an account at Etrade.

There isn't any other time during the day or any stock you can invest in, that can make you 1, 2, 3, 5, 7 or more points in minutes OTHER than during the first hour the stock market is open. That's why I love trading the open so much.

I trade only when I have an edge and that means "only the first hour the market is open".

If you are a beginning trader or investor, you can give yourself an unfair advantage in the market trading this way.

I can continue giving you a lot of advises about how to make money trading, but if you ask me:
"What is the best thing you can do for me or that I can do for myself?
Go to this hidden site and learn the BEST guarded system on making the largest and fastest day trading profits youВґve ever seen...

www.onehourtrading.com

After you review this site you wonВґt need any other system, strategy, book, software or mentor to tell you what to do,
you will be able to find big profits opportunities every day, and donВґt rely on anybody else.

P.S. Check my last 3 trades, so you can have a better perspective...Check them in any chart software or website.

Date: 2/13/2008, Stock: NILE, Gap: $13.57, Action: Bought at $42 Sold at $43.5, Profit: $1500, No. of stocks: 1000, Time: less than 3 minutes.

Date: 2/14/2008, Stock: EQIX, Gap: $7.25, Action: Sold short at $80 Bought at $78, Profit: $2000, No. of stocks: 1000, Time: less than 1 hour.

Date: 2/15/2008, Stock: DRYS, Gap: $3.67, Action: Sold short at $86.5 Bought at $84.5, Profit: $2000, No. of stocks: 1000, Time: less than 1 hour.

TOTAL PROFITS IN 3 DAYS: $5500

What is the best option for you, to invest or day trade? The answer will depend on your expectations, experience, money, time, but if you are a beginner and you want to put yourself light years ahead of every investor and trader you know and give yourself an unfair advantage in the market get The One Hour Trading System right away!!!

Good luck and good trading,

Principal is well protected by the purchase of silver or gold price backing CD's while still maintaining the possibility of large long-term return. The only institution that offers it: www.everbank.com

The silver CD is much better to own.

Well if you feel recession is going to hit the next better thing people do is to put the money in gold. With gold you don't earn too much but your investment is safe. Another idea shall be real estate,. Friend you never get loss in this field. Always appreciating and giving a peace of mind. Next better idea shall be withdraw your money at the right time and keep the money safe in your savings bank. Keep the recession set inside the shares allow it to go down and then start buying with long term interest. That could be the greatest idea. with real estate your investment is safe but liquidity is not there. visit http://indiasharemarket4u.blogspot.com/ to learn more
http://makemoneyideas.in

Good ideas already given, but if you like you can invest in forex trading too where you get a managed account. This is a market that withstands recession as it is worldwide. You could educate yourself more on it in http://www.forex-succeed.com

You should learn to trade the stock market. Many professional traders can make 2 to 3 did-git returns on their money year after year.
All you have to do is learn a few simple rules and develop a system.
This site will teach you a lot and help you develop your own system.

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