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james d | If u had money saved would you go into mutual funds or keep it in the bank? |
i just started doing mutual funding..it soudns profitable provided im patient.. and i was told it was better than having money in the bank...doing nothing there...is this a good investement? would u do it? why or why not?
Additional Details
yes i will also have a saving account on the side for emergencies and another acccount for my mutual funds...but i wont keep to much money in my saving account and rather focus on mutual funds. |
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PK
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Always have some portion of your savings in cash in a high yield savings account (like HSBC online, ING Direct, Emigrant Direct) because it is principal protected and currently yielding 4.5% to 5,05%. Principal protected means you cannot lose the amount you deposit. With mutual funds, performance is generally higher because risk is higher and you CAN lose your principal in downturns. It's recommended to have atleast 3-6 months of expenses in an emergency savings account in case you run into an emergency like your car breaks down or you get laid off. If you were forced to liquidate your mutual funds in the event of an emergency and it happens to be a downturn, you will be losing money. This is why an emergency savings fund comes in handy. Anything over that can be invested in mutual funds. |
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Andrew N
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ING DIRECT has a great savings account, I think it is currently yielding 4.5% a year, also they have a electronic checking account that is yielding 5.3% a year, both of these are completely liquid.
If you have looked into mutual funds, another thing you may want to consider are index funds, VANGUARD offers the lowest fees around and they have tons and tons of funds to choose from. Index funds often outperform mutual funds, are more liquid, and generally give a lot more flexibility. |
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Wil C
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depends what kind of risks you're willing to take.
The bank, assuming you have CDs, will give/pay you about 5% interest. Savings about 2%.
Mutual fund on the average pay about 10% interest a year, but there minimum investment commitments required. ie, some mutual funds have a minumum of $2000 initial investment.
Sometimes depending on the market the mutual funds may actually loose money and your $2000 becomes more like $1800. It's rare but it happens.
The economy has been great over the last 5 years.
My mutual funds have averaged about 15% each year.
Good luck ! |
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derobake
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This depends on your goals and time horizons for each goal. In my humble opinion:
- Goals that are less than 2 years away: use bank account, bank CDs, or money market account
- Goals that are 2 - 7 years: use a mutual bond fund
- Goals that are > 7 years: use a mix of stock and bond mutual funds
Yes, there is some risk to stocks and bonds, but a lot of this risk is mitigated if you hold your invesment long enough. Generally, the more risk you are exposed to, the more time you need to hold on to ensure an overall gain.
Of course, risk can be defined several different ways. If one of the biggest financial risks is not having enough money to meet your long-term goals, like retirement, then isn't it considered "risky" to stick all your money in the bank? The risk is that your money might not grow enough to meet those needs. Also, most savings accounts pay a little less than inflation, so there is a risk that your money could actually lose purchasing power. Risk depends on your perspective, really.
For more info on mutual fund investing, download my free book at http://www.invest-for-retirement.com or go through some of the tutorials at http://www.investopedia.com
Then, when you are ready to invest in mutual funds, go to the one source that us smart investors use: http://www.vanguard.com . Low costs are the key, man. Keep 'dem costs low! |
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phildarthebuildar
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Keep some in the bank for what you need for emergency liquid cash and put the rest in mutual fund or two. The return will be better long term. |
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Frank Castle
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Banks are only for the poor.
If you have more than $100,000.00 USD then you cannot have your money in the bank.
The Federal Deposit Insurance Corporation only pays you up to $100,000.00 USD. |
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Jonathan
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Mutual funds will only get you about 15% a year. It takes forever for your account to grow. If you want to make higher returns look into currency trading. If your interested in forex currency this site has a practice account with fake money. Investors following this program are making incredible returns. You can realistically make double digit returns a month because your money is leveraged 400:1 and its on a hedging system. That dramatically reduces the risk. Watch the product presentation video on the site below. I believe that this is the best system for trading on the Forex but of course I don’t expect anyone to take my word. I would encourage anyone looking for a smart way to trade in the market to try the demo so they can experience for themselves how it works.
www.demofreedomrocks.com |
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