Home
What's new
Latest activity
Authors
Store
Latest reviews
Search products
Forums
New posts
Search forums
What's new
New posts
New listings
New products
New profile posts
Latest activity
Members
Current visitors
New profile posts
Search profile posts
Log in
Register
Cart
Cart
Loading…
What's new
Search
Search
Search titles only
By:
New posts
Search forums
Search titles only
By:
Menu
Log in
Register
Navigation
Install the app
Install
More options
Change style
Contact us
Close Menu
Forums
SVTPerformance's Chain of Restaurants
Road Side Pub
Investing?????
JavaScript is disabled. For a better experience, please enable JavaScript in your browser before proceeding.
You are using an out of date browser. It may not display this or other websites correctly.
You should upgrade or use an
alternative browser
.
Reply to thread
Message
<blockquote data-quote="harry gilbert" data-source="post: 7051003" data-attributes="member: 4763"><p>One approach is to place the money in a series of CD (Certificates of Deposit) having different maturity dates. For example, I have a series of CDs staggered to mature in 5-month, 12-month, 24-month, and 48-month durations. The longer term CDs have an interest rate of 5%; the shorter term have 4.5%, 4%, and 3.75%. This strategy accomplishes several goals:</p><p></p><p>1. The principal is not at risk (you risk your investment in stocks and real estate)</p><p>2. The investment is FDIC insured</p><p>3. The return on investment is known, and doesn't "float" (unlike bank and money market deposits)</p><p>4. I can still get my hands on some cash (liquidity) by cashing in the short-term CDs as they mature, or roll them over if the interest rate is favorable (or move them to another bank if it's not).</p><p></p><p>Any investment advisor will tell you to diversify your portfolio, and to not place at risk any money you need to live on.</p></blockquote><p></p>
[QUOTE="harry gilbert, post: 7051003, member: 4763"] One approach is to place the money in a series of CD (Certificates of Deposit) having different maturity dates. For example, I have a series of CDs staggered to mature in 5-month, 12-month, 24-month, and 48-month durations. The longer term CDs have an interest rate of 5%; the shorter term have 4.5%, 4%, and 3.75%. This strategy accomplishes several goals: 1. The principal is not at risk (you risk your investment in stocks and real estate) 2. The investment is FDIC insured 3. The return on investment is known, and doesn't "float" (unlike bank and money market deposits) 4. I can still get my hands on some cash (liquidity) by cashing in the short-term CDs as they mature, or roll them over if the interest rate is favorable (or move them to another bank if it's not). Any investment advisor will tell you to diversify your portfolio, and to not place at risk any money you need to live on. [/QUOTE]
Insert quotes…
Verification
Post reply
Forums
SVTPerformance's Chain of Restaurants
Road Side Pub
Investing?????
Top