Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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Call Ben and ask him: http://en.wikipedia.org/wiki/Zero_interest_rate_policy
His buddies will not take it too kindly if he let rates rise.......ever.....again....
You will only lose on a...
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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Something to the tune of 69000%. Or if I invested a $ in the index in 1926 the investment would be worth around $690.
The question that should be asked is the equity risk premium greater than 0.
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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You need a brokerage account to purchase the index funds...(e.g. etrade, zecco, sharebuilder).
This is why diversification is important and even more important it to look at risk adjusted return.
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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totally off topic but can anyone here vouch for ally bank? i know they're one of the banks with a higher money market rates. i'm a student trying to save money but not with what my current bank...
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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OP is looking for high yield, low risk. Stocks and Options are certainly not low risk.
Best option would be a High Yield Reward checking account. Most are offered at small local banks and credit...
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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Past performance can be used as an indicator, but I was using performance history as a means to show that there is risk in index funds, not to say that you should base your choice of funds on past...
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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Ally bank used to be part of gmac (GM's financing arm) and was spun off during the mortgage crisis
They have always had compeditive rates. They are FDIC insured
...
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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I know this has been discussed in varying degrees on the board - but I'm wondering what the best options are for low-risk returns (preferably, but not necessarily, keeping your money accessible if...
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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To be clear, my comment was directed towards DWad. It could certainly apply to you as well, but it was not initially intended to be directed towards you since I haven't asked you what your goals are...
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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I like sticking money in LQD if its sitting around. Pays a 4.3% dividend and invests 95% of its assets in investment grade corporate bonds.
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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Thanks for all the comments. It doesn't sound like there's a simple solution to get to 4-5% (I couldn't find any credit union savings accounts that fit the bill).
It sounds like I need to look...
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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Good question.
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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Dear lord, please make it stop! You're an accountant, right? What's 8% compounded in the time period you've referenced?
:bulb:
I do think corporate paper will get more compressed as the...
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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If you'll need the money in less than 10 years, I'd skip the index funds and ETFs.
How much of that $50,000 in student loans is private?
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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Student Loan interest is not great for taxes. I can't write any off as I make too much money(so says the government).
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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FYI, i just ran across TIAA-CREF's new bank - which offers 1.25% for savings and money market - the highest I've seen yet (excluding credit unions which tend to have lots of restrictions).
...
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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My goals are intermediate term. I don't intend to touch the investments, but I'd like them available if I need them. I'm maxing out my 401k, so I'm thinking of that as my retirement savings.
I do...
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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Depends on the model used :D
But yes it does give you an advantage when risk adjusted.
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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A better return if the market stays at 8%, but it's also a lot more risk.
However, student loan interest is apparently great for taxes, so even though it's a 4.3% rate, you'll actually get a lot...
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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I don't plan on needing it in 10 years but I can certainly see myself possibly using it for a house/apt down payment and more importantly I don't have great job security.
Unfortunately, no tax...
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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I would recommend looking into options. Options can be a very conservative method of getting in excess of 5% return with MUCH lower risk than just straight up stocks.
You would want to look into...
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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You could open a Roth IRA with Vanguard, invest in those index funds we talked about earlier and hope you never need to tap into it as an emergency. You can withdraw your contributions (not...
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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Low risk if you know what you're doing is different than low risk if you don't know what you're doing.
I heard one options trader say he put his 401(k) money into index funds, and another said he...
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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The market return since 1926 is about 8%...if you throw your money into an index fund you have a better return that just paying down your student loans.
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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And your answer is?
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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How did we get from "Best Low-Risk Return Options" to options and emerging markets?
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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I use Vanguard to put money into index funds (I use Vanguard's Total Stock Market Index fund, which has very low costs). Vanguard makes it pretty easy to look at where your money is, look at...
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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I bonds are at 3% right now. I don't think you're going to find anything better that doesn't risk principal, but they have their own issues (1 year lock up and $5k max per year).
Best Low-Risk Return Options
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Thread created 02-18-2012 by evo22
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Great choice. I agree: Vanguard is one of the very best places to have a retirement account. They have some of the best customer service as well as the very lowest fees in the industry.
You and...
