What are some good ways to get returns on my money?
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Those are all good options. For retirement money, I stay fairly safe by reducing my risk by diversifying into some broad index funds.
If you want a very high-risk but different sort of investment class, you might try the following site. Try person-to-person lending in the eBay for loans.
I prefer Real Estate you can always borrow against the value of the house (equity line of credit) and you will always have a roof over your head. You never know what the future holds.
It depends on your goals and your risk tolerance.
Do you need quick access to the money, or is it for long term retirement?
Government bonds and CD's pay ok interest.
Some online savings accounts pay as much, if not more, than a lot of CD's.
Real Estate is generally a good investment, but can require a lot of up front cash.
The stock market is doing great right now for individual stocks as well as mutual funds. A company like Vanguard is a good place to use for that type of investing.
You can't exactly invest in real estate if you don't have enough to buy property. A REIT mutual fund can do this, however. The answer to this question depends on several things:
1. how much do you want to invest?
2. how many years will it be until you will use this money?
3. how risky are you willing to be with your money?
4. how much experience do you have with investing?
You need to be a little more specific, but in general...
1. gov't bonds are safe and provide steady income. the returns are modest, but you won't find yourself making 10% or more a year
2. stocks are riskier than bonds, as you could make 10-30% a year or even more... however you run the risk of losing money
3. savings/money market account: this is if you don't want to lose any of your principal, but you will see very slow growth with this option
4. muni bonds: only if you are in a high tax bracket do these make sense
5. real estate: viable if you are in the market for purchasing a primary residence. otherwise I would say investing in property is very risky with the market being as it is currently.
Hope this helped.
The answer depends to a large extent on where you're from...
Wherever you do invest, remember to spread it out across various schemes, plans & sectors. Don't keep all your eggs in 1 basket.
If you're still building up to financial security (from a position of stability)as I am , save up a little every month towards acquiring your dream plot of real estate. Invest the others in stock options/mutual funds----> consider both longterm & short term situations in this case . Even gold is a suitable investment these days.
In addition, spread out a little in Insurance, national savings such as those by the post office or recurring deposits.
I do a little investing in Prosper.
http://www.prosper.com/join/lloe...
And when I mean little I mean I have only invested like $200. I like it because I am helping someone who needs and a loan and I get interest on what I loan them. I only loan to people with B or Better credit. I think it can go up to like 29% or something like that. Anyways, Something kind of off the mark of the "normal" investment ways. You could always just check it out.
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