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Annoynomous A1 | What is the best way to invest $300,000? |
I'm looking for a bank account that has high interests, no fees, and one where I could deposit and withdrawl when ever I want to. What would be the interest? Do I get the interest every month? Year? How often?
Additional Details
I'm 16 now so what would be the best way. I could lock some of it up for a couple of years. |
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John A
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You will not get a high rate of interest while rates are this low. $300,000 isn't enough money to get the top rate on certificates of deposit, GIC's and savings accounts and the like anyway.
Your best bet is to go with a money market fund. This is a mutual fund made up of guaranteed certificates, bankers acceptances, treasury notes with a maturity of 6 months or less. The return of the fund is not guaranteed but the underlying investments are. It is much safer than any GIC or CD you could buy at your local bank as it is more diversified and the investments are guaranteed by better capitalized entities. Incidentally $300,000 will get you a "premium" money market fund investment which is the same thing as a money market account but the fund lends money to borrowers with higher needs and they pay higher interest. The fund will not take investments of less than $100,000 usually because they can't buy securities with a good enough interest rate with that little money. Note: not all institutions will have a premium version of their money market fund, but most bigger asset managers do.
The rate of return will generally mirror that of a one year GIC in a stable interest rate environment. In a decreasing rate environment it will be a little less than a one year GIC and in an increasing environment it will beat a one year GIC, because the underlying investments are always renewing into a higher rate marketplace.
The fund can be redeemed at anytime, no restrictions or questions asked. The interest is paid to the day you withdraw it with no penalties for early withdrawal, like you have with most fixed-rate investments.
You can withdraw or add money as frequently as you wish without disrupting the investment. This is not possible on most fixed rate deposits. |
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cruz734
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REAL ESTATE is where i would invest. Prices are so low now, buy a house fix it up, live in it for a couple years until the market is red hot again then sell. |
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May Derrek
|
Hello,
I also had a similair problem as you have.
I had a good amount of money, and wanted it to grow.
So I looked around on the internet to find something that is:
1) giving me great returns towards a relatively small risk
2) Professional people who know what they where doing with my money.
I'm glad to say I finally found a moneymanager who is capable of giving me good returns and give me a great support.
On this blog you can follow up all the results that he is making:
http://my-robottrader.blogspot.com/
My money is working for me, in three months time I already have a ROI of 86%.
So you don't hear me complaining!
Annyway if you would like to get in touch with my moneymanager to have some more information feel free to contact me you can send an email to me at derrekmay at gmail.com.
Then I'll give you the email adress of my moneymanager
Hope this has helped you! |
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brckr1
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buy low, sell high, try green energy stock but for the long term |
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Greg S
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With $300,000 you should really be investing in something besides a savings account.
Find out what six months of bills are for you and put that amount in a high-interest bearing money market account as your emergency fund. Put $30,000 as a down payment for an investment property. Put another $30,000 (staggered over 6 months with $5,000 each month) in government bonds. Fully fund an IRA for the year. As for the remainder it depends on what your goals are, more likely than not you should be investing heavily in the market. |
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src50
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If you're going to bank it, split it up so that no more than $100K is in any one bank (FDIC insurance limit). The "best" way to invest it depends on your situation - objectives, time horizon, whether you can "lock" it up for awhile, etc. |
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apeskape
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I would put it into bonds that are fairly safe or split it up evenly into 3 bank accounts. |
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knarfwiz
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back me in opening a breakfast restaurant!...wanna see my business plan? |
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Guru
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If you want to invest, so many way to make safe and dave omney for your future...like dibecture,bonds,delivery stocks, e.t.c
what type of invest you want and how many risk you want that depends on your age and actitvities..? |
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nitrofurain
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I have the same question and same amount of $$ But I'm 65y old and retired. I want to enjoy my life and ensure that my money wont depreciate. What would be the best course of action for me? |
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