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Before I begin, I read some of your "best answers" and you have an incredible amount of knowledge about literature. I'll bet that you're a university professor. My area of expertise is personal finance, and I hope that I can be of assistance. Your question was loaded to a degree because in general, managed funds and high interest savings accounts should never be in competition with one another. Their investment goals are so different that an investor really should not be thinking about one of these or the other. If the time horizon until you will need this money is less than 5 years, I would strongly recommend leaning toward savings accounts, CD's or perhaps Savings bonds. The reason I say this is because in periods of less than 5 years, capital preservation should be the primary objective. These types of investments do not have investment risk so there is no risk to your principal. If your time horizon is more than 5 years it is now in your interest to expose yourself to some investment risk. Managed funds, index funds, and individual stocks are examples of investments that fall into that category. I know that you didn't mention this in your question, but my recommendation for this portion of your money would be to build the base of your portfolio with index funds versus managed funds. Index funds are designed to track the major indexes such as the S & P 500, Nasdaq, or the Russell 5000. The only time a security is added to or removed from an index fund is when a security is added to or removed from the underlying index that it is tracking. Because of this fact, index funds tend to have lower costs and are more tax efficient than managed funds. Managed funds are constantly trading in and out of various securities so they will always have higher expenses and more capital gains to pass along to the investor than will index funds. So to answer your question directly, over time, good managed funds will always outpace savings accounts and CD's. In the short term, that statement may or may not be correct. Good luck to you. I hope that this was helpful.

2006-07-25 23:06:15 · answer #1 · answered by Gator714 3 · 2 0

If talking personally managed funds $2000 too small. There are no high interest savings accts around now - rates low. If only have $2000 might as well set-up an IRA at a brokerage & get started. Can getan index mutual fund & then slowly add to it over time.

2006-07-26 05:57:24 · answer #2 · answered by vegas_iwish 5 · 1 0

Managed funds mostly get higher returns in comparison to high interest savings accounts or term deposits, but higher risk is also involved

2006-07-25 22:17:44 · answer #3 · answered by thinkpose 5 · 1 0

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2015-01-25 08:03:20 · answer #4 · answered by Anonymous · 0 0

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2016-05-01 23:52:25 · answer #5 · answered by ? 3 · 0 0

The stocks and shares in the stock market moves up and down daily. Rumours,high interest rates and the credit crunch make them to drop. Likewise, a cut in interest rate or good economic news on inflation or stock and shares of good fundamental and profitable companies, make shares in the market to go up. The best and safest way to invest in the stock market is to buy good and fundamental stocks when the market drops and sell whenever there is good profit to be made.

2016-03-16 05:35:43 · answer #6 · answered by Anonymous · 0 0

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