Posted by MarkB_MI on May 01, 2014 at 21:59:16 from (75.219.143.3):
In Reply to: Investment Options posted by fergienewbee on May 01, 2014 at 18:02:23:
You want a high rate of return, low risk and good liquidity. So does everyone else. That's why such investments don't exist and that's why con men like Bernie Madoff continue to suck in people who should know better.
"Franklin Templeton" doesn't tell me what KIND of investment fund you have. With a four percent return last year, it's probably heavily invested in intermediate-term bonds. The problem with bonds is they are very sensitive to interest rate fluctuations. A rise in short-term interest rates causes the value of long and medium-term bonds to drop. Since interest rates are near zero, they have nowhere to go but up; I'd be wary of putting a lot of money in bonds right now.
The stock market has outperformed everything else for the past several years and is always a good investment in the long term. But there's a good chance there will be a market correction in the next year or two and at your age you probably shouldn't put a lot of money in stocks. But's not a bad idea to put some of your cash in a S&P 500 no-load index fund if you don't think you'll need it in the next five years.
Depending on the part of the country you're in, there's money to be made buying houses at depressed market prices, fixing them up and either renting them out or selling ("flipping") them. It is hard work but can be quite profitable.
If you talk to an investment advisor, pick one who is "fee-only", meaning he's not peddling any investments and makes his money only from fees he charges clients.
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