I have the 403b though I would similar to the rather protected approach to deposit income as well as get the lapse prior to retirement.Should I do stocks, bonds, CD’s? Where is the most appropriate place to acquire these?
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If you don’t have the time or inclination to monitor your stocks carefully, go with mutual funds and the rest. It’s important to diversify, especially in this economy. I’d recommend that you keep a significant percentage in cash (Schwab for example will give you ~4% on cash). Kiplinger is a trusted source and often has issues that pertain to specific kinds of investment, such as safe investing before retirement.
CD’s work the best.
it doesnt have to be a large ammount of money but it CAN be a large ammount of money they end in a couple months to a year and you get very good interest
Short term profits and safe are usually mutually exclusive terms. If you are looking for short term profits the kinds of investments you need to make usually entail some degree of risk, especially in today’s volatile market. If you are looking for safe investments with some degree of return, then the question I have for you is what is your time horizion before retirement? If you are not planning on retiring for 30+ years, then investing almost all stocks may be the best way to go. if you are looking at retiring in 5 years or so, you’ll want to protect your assets with a healthy dose of bond income.
Options , bear call spreads …
Inflation is bound to rise for next 2 to 3 years due to high oil prices.
CDs and savings account rates lag inflation, so you lose value.
Buy TIPS or
a ETF which tracks TIPS – symbol is TIP or
Vanguard Inflation protected securities fund – VIPSX
These options will protect the value of your money and underlying is US government bonds, so you have safety.
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