What is the best to invest in cd or mutual funds?

Answer 1

To my mind none of them.
I have invested in my friend's business and now I am getting guaranteed 40% annual interest.
Forget about CD's, bonds, stocks, mutual funds, property in USA, etc.... Better invest in business.
I wish you success!

Answer 2

Short term - CDs, long term - mutual funds.

CDs usually earn between 3-5% interest and, long-term, a well managed mutual fund will typically earn you 10-12% interest (even higher depending on market, fund, etc.) If you do chose mutual funds, chose a no-load mutual fund so that all of your money is invested immediately.

If you are looking short term, another option is an online savings account. Look into HSBC.com or IngDirect.com. Both offer similar interest rates to CDs and your money is not locked up like a CD.

Answer 3

it depends. Since you didn't give us much other information I can't really answer your question. But if this is money you need within the next 3 or so years you should put it in a CD. The market (mutual funds) is too volatile to put short term money into.

Answer 4

It depends. Long term- mutual funds. Short term- CDs. How long are you willing to wait for your money? Mutual funds also give better rates of return, compared to around 5.50% at most with CDs.

Answer 5

ive invested in a cd..

Answer 6

for safety & liquidity, CD's.
for a certain amount of risk and a higher(?) return, mutual funds.

Answer 7

Great question but not enough info about yourself.
1) How old are you?
2) What are you saving for?

Please send me an email with the answers to these questions.

Answer 8

cd's are safer.