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peter p | Safest place to invest around $200K for one year? |
i know my local bank has a one year CD that pays between 4.00 and 4.20%.
is there any other investment, that is GUARANTEED, that will pay me more....like a muni-bond or something?
thanks
|
 |
 
Stilwater
 |
You have to find an investment that is FDIC insured. Thus a bank CD is the best option. I would suggest laddering the CDs (eg some for 3 months, 6 mos, 12 mos, so if rates move in your favor you can take advantage: unlikely though) |
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src50
|
No bond is "guaranteed." |
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SOUTH LAKE
|
I bought corporate bonds and municipals last month . They will pay me an average rate of 10 % . Some pay 8 5 % others pay 12 % . However , there is no federal insurance on these . If a local government or corporation goes bankrupt I could lose some money . The bonds I bought have average terms of about 1 1/2 years. |
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Worldly25
 |
The CD is the only guaranteed place to park your money |
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derobake
|
A high-quality money market account is just as "safe" as a bank CD. You can even find money market accounts that only invest in U.S. Treasury bonds. Be sure to find one that has a low expense ratio, like ones from Vanguard, Fidelity, or T. Rowe Price.
There is not going to be much difference in the yield between bank CDs and money market accounts. These types of "safe" securities are pretty competitive and are just commodities.
Muni bonds actually pay less than most bank CDs or regular money market accounts. This is because Munis are free from federal taxes. Municipalities know this and thus offer their bonds for interest rates about 25% lower than a similar taxable bond of the same credit rating. If you are in the higher tax bracket (28% or higher), munies are probably a good choice. Anyone else, the taxable version is probably a better choice.
Keep in mind that there is a limit for FDIC insurance per account. So, you may need to split that money between two banks if you decide to go with bank CDs. |
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Jc
|
http://www.bankrate.com/gookeyword/rate/high_ratehome.asp?params=US,416&product=24
I think its FDIC insured too so check it out!
^Cd rates at bankrate.com
by the way its a Jumbo Cd comparison $100,000
minumum deposit. |
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Fearless Income
|
Well, nothing is guaranteed. But I understand what you're saying.
If you want to be a little risky, I suggest Forex. Don't just do any program, check for past history and performance. I lost over $8000 in my 401k, that's terrible, so I took out what little I had left and invested ALL of it in the Forex market. My ROA for November was 18.6%, not bad.
Not many people know about Forex because it was recently deregulated in 1997, and forex is how your banks make money from YOUR money! In essence, you're actually competing with the banks when you trade forex.
Good luck to you
Kind regards |
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geekstreat
 |
There is no safe place for the dollar right now. Like someone said here, if the bank goes out of business youre **** outta luck, that being said, I beleive many banks to fail in the coming year, so maybe diversify those funds at a 15% rate into hard assets for insurance. You might need it. Use the rest in a cd. |
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