What is the best way to invest for retirement while keeping those funds insured.?

Question

I already have 50% invested in the market.

Answer 1

ira fdic money market of cd.....

http://ira.bankofamerica.com/Default.asp...

Answer 2

Invest in diamonds with CDT.  www.cdtforever.com/dtp referer id dazzler1. Visit the site the returns are quite good.

Answer 3

FDIC insured savings... which over the long term is one of the most risky things you can do!  WHY????... because your money will lose value to inflation.  So $10,000 today will only be able to buy $5,000 worth of goods in 12-14 years. Stocks, although short term "risky" should beat inflation over the years.

Being "safe" is one of the worst things you can do.  The worst places to bring your retirement money to are; banks and insurance companies.

Answer 4

A lot of people think that money in the bank is "safe" because they don't understand opportunity loss.

Research in behavioral economics has shown that people are more upset about losses than they are happy about gains, so, two investments, one that goes up and one that goes down, leaving the person better off because the gain exceeded the loss, will make the person unhappy because they focus on the loss.

Answer 5

The only way to keep yours funds "insured" would be in bank accounts.  But your return would be much lower.

Answer 6

I agree with "common sense".  You can stay "safe" but not get a good return on investment.   I'd go for growth mutual funds (small/mid-cap growth) or index funds.   If you want to stay relatively safe, look for funds with a good 10 year track record and 4-5 star Morningstar rating.