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...before you can exchange them for a real live brownie?
Additional Details
...before you can exchange them for a real live brownie? ... |
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Ender | If I have $10,000 to invest in a CD or Savings bond, is it better to invest using one $10,000 or 10 $1000? |
Are there advantages to separating your investments like that or is it better to keep them all lumped together? |
 |
 
dreamwever4u2
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Usually you will get a higher interest rate with the larger CD, however unforseen circumstances could cost you alot more. If it were me I would invest it in one $5,000 CD and two $2,000 CD's and one $1,000 CD. This will allow you a better return while also allowing you the chance to withdraw early with minimal damage should you find yourself in a situation where you need the money. (If you need a K note then cash a K note, 2K then cash a 2K ect....) |
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Dr Dee
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It doesn't matter. Breaking it may be better just in case you need a gran or two in an emergency. |
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trade_info
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the only advantage i see in splitting it up is a laddering of maturities. you could invest 1,000 every month and capture higher rates as interest rates move up. if you bought I Bonds from Treasurydirect.com you might do much better than CD's in the long run. Inflation protection and tax deferral advantages. check it out. |
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webjnke1
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They say diversified, but with 10K, you're probably safe in one place. |
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oil field trash
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You did not state if this is all of your savings or if you have an emergency fund. If you don't have an emergency fund then you should keep some portion of your money in a form that can be converted to cash with little or no penalty.
In any case, most financial advisors recommend laddering your CD's this is good advice right now because of rising interest rates. |
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ykchen913
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10 $1000 is better. Also, you need to put them into different maturity terms. Here is quote from BankRate.com:
"With CD laddering, you buy a number of CDs for different terms. For example, if you have $10,000 to invest and need access to $2000 every year, you buy 5 $2000 CDs, with terms of one, two, three, four and five years. When your 1-year CD matures, you roll it over into a 5-year CD, and so on. This way, you get most of your money in higher-yielding CDs, but every year one CD matures, so you have access to part of your investment." |
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brian-the-brain
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If you need to place money in a safe guarantted investment then you just need to be sure it is not more than $100,000 per account as that is all the **** insures for.
Check out a money market fund rather than the CD or savings bond. You can get a better return with virtually no risk of losing the money.
Don't do several, it will be a pain in the butt to track. |
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Doug
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From personal experience? Go with $10,000 in the best performing mutual fund you can find. Go with the one that's got excellent performance for the last 3 years, 5 years, 10 years, 15 years etc. |
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