 I have been trading stocks a little over a year now and I have broke even, I want to buy these 2 funds and > |
and leave them alone. I have eeb as an etf but I will purchase (IDSLX and IDGEX) any advice. Tired of trading. thanks
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missa_jane143 | I am coming into some money and want to know the best way to invest in CDs. Thanks!? |
Additional Details
I am looking into investing with a bank
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Middleclassandnotquiet
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Look at Yahoo Finance & MSN Money and do some research on investing. I personally would say CDs(yes, laddered) for short term safety. Look for the highest rates or directly held no-load mutual funds(T Rowe Price, Fidelity, etc.) for longer term-you can choose medium risk and still get a 10% return. Banks offer the best rates for CDs. But do some reading and research-those two sites are a good place to start. Everyone has their own investment style-you'll find yours! |
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CP
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If you are leaving the money alone for more than 5 years, look into mutual funds which will earn 10+ percent long term as oppose to 5% in a CD |
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Sun and Sand
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You can do just as well with a good money market account if your saving less than 5 years. If your saving more than 5 years then mutual funds are better. You really need to research your options before locking your money up into CDs. Check out http://www.daveramsey.com/
However in you insist on CDs, and it is your money, use laddering. It's expained in the link below. |
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srodrigues75
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I use netbank.com seems like they give great rates. |
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Ryan H
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I was listening to Clark Howard and he said it was best to ladder your CD investments meaning invest some of the money in 6 month, some in 1 year, some in 2 years, and some in 5 year CDs. That way you kind of hedge your bets if the market fluctuates so not all of your money is tied up in one time frame. I know that Emigrantdirect.com has some CDs paying around 5.25%. Maybe check INGdirect, eloan.com, or any credit union or bank you may be working with. |
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SmittyJ
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Putting aside whether CDs are the proper asset class for you, I would suggest that you look into setting up a brokerage account in which you can purchase brokered cds. This is the most efficient way I know of to create a cd ladder portfolio. Other advantages inlcude the ability to leverage the purchasing power of the institution you open the account with, access to hundreds/thousands of bank cds with varying maturities throughout the country, access to a wide range of issuers through one account, stremlined reporting on one monthly statement, and easy reinvestment options. Keep in mind that brokered cds are negotiable instruments and sold on the secondary market so if interest rates go up, the value of your cd will move like a bond in that it will go down but as long as you are holding the cd until maturity you will receive the holding period return just like any other traditional bank cd. Any major brokerage firm would be able to offer you brokered cds and most major banks with brokerage affiliates/subsidiaries would as well. Fidelity and Charles Schwab and probably E-trade are good options as well if you don't have an existing relationship with a broker. |
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pennyfritz
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Laddering is always best to take advantage of rising or falling rates in the future depending upon your needs.
3 month
6 month
2 year
5 year |
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SugarTaste
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Depending how much money you're talking about, you might want to look into Real Estate investing. If you put 20K in a CD at 5% for one year you will earn $1,000 in interest. If you put 20K down on a $200K house and earn 5% you will earn $10,000. It's more work to be sure but if you keep it for 3-5 years, it really pays off. |
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