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old timer | Money markets or mutual funds? |
I am 75.Have inherited large sum.Would like access to investment,safety, and a small return.Annuity's look good also.What to do? |
 |
 
manolosarmiento
 |
I'm a financial proffesional, but not in USA; thus i'm allowed to offer advice:
Money market will offer you liquidity and security.
fixed income mutual funds will offer you roughly the same.
I wouldn't go, at you age, for equity funds.
However, if you have large amount of money, that you won't use for yourself but instead leave to youyr heirs, you might invest a large proportion of THAT money into equity MF's |
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errai14
|
You could also do bonds, which is usually the most appropiate for people who are looking or income.
Forget mutual funds. At 75 you do not need growth, you need income to enjoy the years of your life.
Money Markets provide very liquid, very safe, and very low return. So if your goal is to live of the interest only of your investment, then money markets could leave you dissapointed.
What I recommend is keep some money in money markets for emergencies due to it's liquidicy, and put the rest in Corporate bonds, with investments grade rating. YOu would have about 50% more income and just as safe. And live off the interest earned which comes ever 6 months. You have a choice between long term bond, or short term bond, and I think you should talk with a financial advisor who knows your situation to give you additional advice on bonds.
Also one more thing, don't worry of spending some of the money and dropping your current value. The point of life is not to die with thie biggest possible bank account |
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Frank Castle
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I suggest stocks. |
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trade_info
|
do you just want to spend the income and leave the princ. intact? do you intend to spend any of this money?
Currently Vanguard Admiral Treasury Money market is invested in government securities and is state tax free. It is yielding 4.25%. You could go with a direct government investment at treasurydirect.com
Depending on how large an amount you have, muni bonds might be the thing you need.
To many unknowns to give you a really true answer. |
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DeDe
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if u are really 75 u should decide it. |
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Tom Joad
 |
This forum is not really appropriate for qualified advice - any licensed financial professional would be prohibited from offering advice of this sort on Y!A. I, however, am not a financial pro, so here's my take:
Money market is the most liquid vehicle - access to your funds via a checkbook; safe in terms of steady though small return; not FDIC protected, but safe enough (Fidelity and Schwab and the rest are not going to collapse anytime soon).
Nothing wrong with annuities - fixed payout is like a steady paycheck, but access to additional funds is restricted.
Mutual funds can be as safe or aggressive as you choose - but don't think that mutual funds are "safe" just because they are diverse. Some are deliberately risky, in fact, investing in junk bonds or emerging but politically risky markets - it depends on what the prospectus says. Also, you won't have liquidity of funds when in mutuals (there will be a lag time, and there are market timing issues that, at 75, you probably don't want).
More than you asked for here, but here it is. |
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Keen
 |
yeah definitely money market account. |
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Los Cabos SJD
 |
At that age, you're looking at Money Market. It's relatively liquid, has a better rate of return than savings accounts, is far less risky than mutual funds.
Don't risk yourself on the stock market unless you can afford to. |
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bellguy456
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There are "money market" mutual funds...which provide liquidity and safety..not FDIC insured -- but insured by the underlying instrument ie: bankers acceptances, t-bills, etc. Problem is..return is low.
Look at things like government t-bills -- very safe or bankers acceptances, and commercial paper -- all of which are money market instruments. Again --safe --but low return.
Also look at government bonds...with a fixed return and maturity.
Avoid pure equities at your age -- as happened 5 years ago --markets can correct violently and at your age you don't have the time to wait for markets to turn around. |
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