Where can you get the best interest rates on a $50K investment?

Question

US only please.

Answer 1

It really depends on two inter-related questions: 1) what level of risk are you willing to take; and 2) what is your time horizion.  The more you are willing to risk your principal (the 50k) and the longer your time-horizion, the better yields you can earn.

If you have a longer time horizion and tolerance for risk (esp. in today's volatile market:

+ High Yield dividend oriented mutual funds (like Alpine's ADVDX), so of which pay out 10%+ per annum.  However, the principle in these funds is invested in stocks, so if you have no tolerance for loss, not the right path

+ REITs (Real-Estate investment trusts) - you can find REITs with a payout of 6%+ right now, esp. considering the nose-dive that relaestate has taken in the past couple of years.  Again, if you need to protect your principal, not the route to take since there is still a good deal of potential downside in the real-estate market

+ High Yield Bond funds - 7%+, but again, considering the present default risk in bonds, not for the faint of heart

If your time horizion is longer but your tolerance for risk is a lower:

+ Blue-chip dividend funds.  The yields are lower - 3% or so, but the underlying stocks are presumably less volatile, esp. with a longer time-horizion

If you can't risk your principal at all:

+ US Treasuries - perhaps the safest investment out there - the yield on the 10-year just passed 4%

+ CDs - again pretty safe but low yield right now considering the recent rate cuts by the FED.  If you do invest in CDs ladder your money at 3-6 month intervals so you can take advantage of rising interest rates

Answer 2

Now a days, CD is best and US Bonds.  Investing in a stock market is risky.

Answer 3

cds

Answer 4

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