What are the best ways of investing money and getting high yield returns?

I need a certain amount of money monthly in order to pay my bills. I don't feel right leaving a large amount in my checking acct. as it does nothing for me. Other than sit there. If anyone has any ideas for me, I'd appreciate the input. Thank you.

Don't go for stocks. Since the stock market is not going so well, overseas investments would be the best choice.

Starting a small business would be the way to go if you have time.
Alternatively try to invest in someones business. You may receive up to 20% guaranteed interest a year. You will not get such high guaranteed returns on stocks, mutual funds, bonds or CD's.
If you invest $10,000 at 20% annual interest rate, you will get back $12,000 in 1 year. I run my own business and my net profit is over 5% a month.

Email me at investment4us@hotmail.com and I'll help you to earn. Please don't forget to mention your question and screenname on Yahoo Answers.
Best of luck!

The easiest (and lowest yielding) is a bank savings account. You can also look into money market accounts, which have a higher yield. If you can afford to leave the money untouched for a time, look into bank CDs.

I've opened a savings account in Belarus bank.
13% annual interest is nice to my mind.
ICQ: 375576529

Good luck!

If it's money that you may need in the short term (less than a year or two), then the best thing to do is probably a money market account. Your bank may or may not be the best place to set up this account -- check with them about interest-bearing checking accounts and money market accounts, but also check around at sites like
http://www.bankrate.com

When you have accumulated enough that you start thinking about longer-term investing, and can put away some of the money without needing it soon, start thinking about higher-risk, higher-return investments like stocks, bonds, REITs, etc. (Although I should say that right this second bonds are returning so little they aren't really better than money markets...but that will change.)

From Joe:

You should invest in a diversified mix of stocks, bonds, and money market funds. You want to buy a diversified portfolio of stocks as individual stocks are too risky. Most folks have a dificult time buying a properly balanced portfoilio of stocks on their own. They will misbalance their portfolio by buying all small stocks or all growth stocks, or some other misbalanced assortment of stocks. Unless you know what you are doing, it is best to buy mutual funds. I like Vanguard.com, other people like Fidelity, TIAA-CREF, and DFA. Buy no-load, low cost funds. If you are like most people you will invest part of your money aggressively in stock funds, and part conservatively in money market funds and bond funds. Vanguard.com has an on-line questionnaire which will give you an idea of how to do "Asset Allocation," determining how much to put in each type of fund.

If your company offers a 401K plan at work, try to invest the most you can. The money grows tax free, and some companies will match your contribution. Investing in a mutual fund IRA is also a good idea. If you have children, you may want to consider a 529 plan or other college savings plan that grows tax free.

I like index funds. Because of their broad diversification, you are less likely to have a dramatic drop in value. They also have the lowest expenses. For stock funds, I would suggest putting ~70-80% of your money in the Vanguard Total Stock Market Index Fund. and ~20-30% in a foreign stock index fund. However, there are many different opinions out there on what the best mutual funds are. Read the links below and form your own opinion.

Buying a house instead of renting will save you a lot of money in the long run. You don't have to pay rent and you build equity in your house instead. Buying rental property can also be a good investment. However, being a landlord can be hard work, and many people are not good at it. If you don't know how to handle deadbeat renters, you can have trouble.

If you have high-interest debt, like credit cards, it is best to pay this off first before trying most of the investment ideas above. You should also have 3-6 months of salary saved up as an emergency fund in a bank or money market fund before trying more risky investments.

Believing advice you get on Yahoo answers can be risky, so read these websites for further information. If you find it too confusing, contact a professional financial advisor. They will charge you significant commissions, however.

Sources:

http://www.vanguard.com/VGApp/hnw/plan...
http://www.fool.com/school.htm
http://sec.gov/investor/pubs/assetallo...
http://www.diehards.org/readsites.htm
http://finance.yahoo.com/education/beg...
http://finance.yahoo.com/funds/basics

Asset Allocation Calculators
(Determining how much to put in stocks and how much into bonds and money markets is a personal decision depending on your financial status. These Asset Allocation questionaires give you a rough idea how to do this. I like Vanguard best, but try some of the other sites as well.)
https://flagship.vanguard.com/VGApp/hn...
https://ais2.tiaa-cref.org/cgi-bin/Web...
http://www.ifa.com/SurveyNET/index.asp...

Web forum: http://www.diehards.org/
(Many investment web forums are overrun by scam artists. This one seems the most legitimate site.)

529 plans: http://www.savingforcollege.com

Your first option should be to fund fully a retirement account. If you do this, and you have extra cash, then one of the best things you can do is open a DRIP Plan.

Go to : low-cost-stock-recommendations

.com

They have a DRIP Section and it is free.

These powerful investment plans are seldom talked about because brokers make very little money when they suggest them. Yet, they have proven to be one of the best, if not the best, long-term strategy on Wall Street.

They are perfect for small investors, as well as big investors. They are safe and allow you to not care about whether the market is going up or down. They are a must for any serious investor.

I strongly recommend looking into it. They are great plans.

Good Luck

Try an account w/ paypal, You can set up a money market account that pays currently about 4.5% per year. The interest is paid monthly and you can link your paypal account to your checking and it takes about 3-4 days to transfer money back and forth.

I had the same problem as you have.
I had a good amount of money, but didn't knew where to invest it.
So I looked around for something that gave me a great return towards a low risk.
And the only thing I could find was a mannaged account.
Here you can follow up my results of every day:
http://my-robottrader.blogspot.com/

I'm verry excited because I already have 40% ROI in one month and a half.
My moneymannager is giving me great support, and answer all of my questions almost immediatly.
Annyway feel free to contact me (adress on my blog) and I'll bring you in direct contact with my money mannager.
He can anwser your questions mutch better then I can.

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