Large Cap? International? Emerging Markets? Bonds? Mid Cap? Small Cap? Balance Funds?
2006-12-22 11:21:20 · 5 answers · asked by Jumpin' Jack Flash 1 in Business & Finance ➔ Investing
A three month time frame is just not long enough for any type of investment to pay off. Plus, we have a new Senate and new House starting in January, who knows what they will do, and how that will effect the market.
If your going to need this money in three months, keep it out of the market, and place is somewhere safe. Like a money market account, or a CD. Just watch out for transaction fees & commisions. They can eat up your gains in a hurry.
2006-12-22 12:22:09 · answer #1 · answered by knihelpu 4 · 0⤊ 0⤋
Moodys and many brokerage sites, including Yahoo will lead you to a 3 x 3 square where small, mid, large funds are crossed w/ growth/blend/income. They will tell you what the risk and potential is, listing the funds 1 mo. 6 mo. 1 yr. 5 yr. and 10 yr. ranking in funds of that type.
You need to decide what balance of gain and risk you can life with. Realize that a 10k investment at 6% return is 600 annual or 150 for a quarter. Any brokerage willing to hold your stock in stree - so y ou don't have to validate them for a fee when you sell - is going to charge you around $75. Many of the funds distribute their capital gains/long term dividends at the end of the year so you will miss out on that return. Remember it takes 3 days between a purchase and the recording of same.
Net: $75 - 80 dollars. The same in a 5.25% CD would be $124 or so dollars w/ no risk.
2006-12-22 11:31:56 · answer #2 · answered by Anonymous · 0⤊ 1⤋
The reality is: Maximum Gain" and "Little Risk" are mutually exclusive terms.
Low risk won't give you huge gains.
You need to choose which one is more important. If it's low risk, put your money into a 90-day CD at a bank. If you truly want maximum gain, be prepared to lose some of your money.
Good luck.
2006-12-22 11:26:48 · answer #3 · answered by David545 5 · 2⤊ 0⤋
I would recommend a money market account with a bank. There is virtually no risk and some banks are offering yields greater than 5%.
2006-12-23 03:35:09 · answer #4 · answered by trater04 1 · 0⤊ 0⤋
its simple, to make money you have to spend money.
invest it in shares.
thorough research and patience would get you through it
;)
2006-12-22 11:35:19 · answer #5 · answered by Jack 3 · 0⤊ 2⤋