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Safe, High Yield Investment Suggestions?

21 18 November 10, 2024 at 08:32 AM
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Can anyone share advice on how I should invest $125k where I will get good returns, yet have my initial investment be safe, or mostly safe? I could tie up the money for a year without any concerns.

Thanks in advance - Jason
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Joined Nov 2011
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> bubble2 220 Posts
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debpal
11-13-2024 at 05:42 PM.
11-13-2024 at 05:42 PM.
Split the amount into different options :

1.PiBank - currently giving 5.50% APY : Put 30K in this
2. Create new Saving account in Citizen bank and park 20K for 3 months - You will earn 10% APY as they are giving $500 in return
3. Park 50K in T-Bill ladder by 4 weeks, 8 weeks, 17 weeks (~ 4.5+% APY)
4. Put 1k in DCU - earn 6.07% APY

These are all backed by US Gov or FDIC insured ..Hope this helps . Safe and providing best interest rate
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Joined Jun 2006
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> bubble2 2,045 Posts
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jcrash
11-18-2024 at 07:27 AM.
11-18-2024 at 07:27 AM.
Buy 300 Microstrategy today at $350, sell 3 $400 covered calls for Dec 13 for $35 each netting you $10,000 cash.

In all likelihood, it is $400 by December 13th, so you make $20k in less than a month.

Safe? To me? absolutely. To you? You probably don't see it, but come back in a month and see if I was right. Then you can buy MSTR at $450 and sell the $500 call, but you will only be able to do 2.
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Joined Mar 2008
Grep then pipe to awk
> bubble2 1,837 Posts
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SirLinux
11-19-2024 at 07:17 AM.
11-19-2024 at 07:17 AM.
Quote from jcrash :
Buy 300 Microstrategy today at $350, sell 3 $400 covered calls for Dec 13 for $35 each netting you $10,000 cash.

In all likelihood, it is $400 by December 13th, so you make $20k in less than a month.

Safe? To me? absolutely. To you? You probably don't see it, but come back in a month and see if I was right. Then you can buy MSTR at $450 and sell the $500 call, but you will only be able to do 2.
Good call.
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Joined Jan 2014
L2: Beginner
> bubble2 97 Posts
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smihaila
11-19-2024 at 08:47 PM.
11-19-2024 at 08:47 PM.
Quote from jcrash :
Buy 300 Microstrategy today at $350, sell 3 $400 covered calls for Dec 13 for $35 each netting you $10,000 cash.

In all likelihood, it is $400 by December 13th, so you make $20k in less than a month.

Safe? To me? absolutely. To you? You probably don't see it, but come back in a month and see if I was right. Then you can buy MSTR at $450 and sell the $500 call, but you will only be able to do 2.
Please explain more how this Microstrategy (MSTR) stuff works. Is it about Options trading? Options look nebulous and complex too me. But ... what makes Microstrategy so special? Is MSTR a software company like any other, or some re-packager of basket of securities or other investment vehicles. Explain this like to your kid, please.
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Joined Jun 2006
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> bubble2 2,045 Posts
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jcrash
11-20-2024 at 01:45 PM.
11-20-2024 at 01:45 PM.
Quote from smihaila :
Please explain more how this Microstrategy (MSTR) stuff works. Is it about Options trading? Options look nebulous and complex too me. But ... what makes Microstrategy so special? Is MSTR a software company like any other, or some re-packager of basket of securities or other investment vehicles. Explain this like to your kid, please.
See other post I made a while back about the best stock of 2024 and 2025. It has all the information in it.

You first have to go down the bitcoin rabbit hole. That's a minority of people. Then you have to go down the Microstrategy rabbit hole, that is a minority of a minority, but as you can see, and as I predicted in the other post, it will go straight up.

I see no top. It is a new type of company. A bitcoin investment bank, essentially.

These are not easy holes to go down.
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Joined Jun 2006
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jcrash
11-20-2024 at 01:46 PM.
11-20-2024 at 01:46 PM.
Quote from SirLinux :
Good call.
I was a little pessimistic.
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Joined Jan 2014
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> bubble2 97 Posts
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smihaila
11-20-2024 at 09:38 PM.
11-20-2024 at 09:38 PM.
Quote from jcrash :
See other post I made a while back about the best stock of 2024 and 2025. It has all the information in it.

You first have to go down the bitcoin rabbit hole. That's a minority of people. Then you have to go down the Microstrategy rabbit hole, that is a minority of a minority, but as you can see, and as I predicted in the other post, it will go straight up.

I see no top. It is a new type of company. A bitcoin investment bank, essentially.

These are not easy holes to go down.
Ah, I've got it, thanks:
https://slickdeals.net/f/17877135-stock-of-2024-2025-microstrategy
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Joined Jan 2014
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> bubble2 97 Posts
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smihaila
11-20-2024 at 09:39 PM.
11-20-2024 at 09:39 PM.
Quote from jcrash :
Quote from SirLinux :
Good call.
I was a little pessimistic.
Good ... stored procedure call, hehehe...
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Joined Oct 2010
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> bubble2 6,329 Posts
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YanksIn2009
11-23-2024 at 09:48 AM.
11-23-2024 at 09:48 AM.
Quote from debpal :
Split the amount into different options :

1.PiBank - currently giving 5.50% APY : Put 30K in this
2. Create new Saving account in Citizen bank and park 20K for 3 months - You will earn 10% APY as they are giving $500 in return
3. Park 50K in T-Bill ladder by 4 weeks, 8 weeks, 17 weeks (~ 4.5+% APY)
4. Put 1k in DCU - earn 6.07% APY

These are all backed by US Gov or FDIC insured ..Hope this helps . Safe and providing best interest rate
Pibank has some terrible reviews about their phone app only account management, slow transfers, transfers by wire only (which likely cost you money), etc. Not worth an extra 0.5% on any amount imo.

A t-bill ladder is still likely the best option for any appreciable amount.


My 2 cents.
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Joined Oct 2015
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> bubble2 18 Posts
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teelarose
12-31-2024 at 01:39 PM.
12-31-2024 at 01:39 PM.
Quote from jcrash :
Buy 300 Microstrategy today at $350, sell 3 $400 covered calls for Dec 13 for $35 each netting you $10,000 cash.

In all likelihood, it is $400 by December 13th, so you make $20k in less than a month.

Safe? To me? absolutely. To you? You probably don't see it, but come back in a month and see if I was right. Then you can buy MSTR at $450 and sell the $500 call, but you will only be able to do 2.

Were you right?
Reply
Joined May 2013
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> bubble2 14 Posts
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Paulden
01-02-2025 at 03:27 AM.
01-02-2025 at 03:27 AM.
Want to know too
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Joined Mar 2009
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> bubble2 173 Posts
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jojan1
01-15-2025 at 10:19 AM.
01-15-2025 at 10:19 AM.
Quote from Paulden :
Want to know too
Yeah would like to know how to validate as well.
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Joined Jan 2014
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> bubble2 97 Posts
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smihaila
01-20-2025 at 10:22 PM.
01-20-2025 at 10:22 PM.
Quote from debpal :
Split the amount into different options :
1.PiBank - currently giving 5.50% APY : Put 30K in this
Went down to 4.75% now.
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Joined Jul 2014
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> bubble2 5,619 Posts
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FHRITP
03-07-2025 at 05:21 AM.
03-07-2025 at 05:21 AM.
Any high yield savings account.
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