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Best Investment for 12 Month Period

Posted on 3/27/13 at 12:07 pm
Posted by ArtooDetoo
Tatooine
Member since Feb 2013
179 posts
Posted on 3/27/13 at 12:07 pm
Looking to invest/play with about $15,000. What will give me the best rate of return in a year's time?

I know CDs are safe, but at 1 year with the rates the way they are, I won't make much (probably $200 at best). Would sticking it in the market be better?

New to all this so please don't flame too hard.
Posted by OnTheBrink
TN
Member since Mar 2012
5418 posts
Posted on 3/27/13 at 12:12 pm to
Bitcoins or Dinars. Take your pick.
Posted by Fat Bastard
coach, investor, gambler
Member since Mar 2009
72929 posts
Posted on 3/27/13 at 12:21 pm to
quote:

Would sticking it in the market be better?



RE market? stock market? bond market? commodities market?
Posted by elposter
Member since Dec 2010
24972 posts
Posted on 3/27/13 at 12:30 pm to
quote:

What will give me the best rate of return in a year's time?


This is a good question. I have been wondering this too.
Posted by Ace Midnight
Between sanity and madness
Member since Dec 2006
89613 posts
Posted on 3/27/13 at 12:33 pm to
quote:

Looking to invest/play with about $15,000. What will give me the best rate of return in a year's time?


I don't see a ton of potential in growth prior to the inevitable correction. You would bear the risk of buying at the top of a bull market and having to ride out a bear for several months to even recoup - and that's if you choose a broad index mutual fund.

Honestly, I'd find a fairly safe stock with an attractive dividend rate - one likely to outperform a CD. If you can make $400 or $500 over the 12 months in dividends, even if the stock doesn't budge, that will cover your transaction costs and outperform a CD.

Posted by Chad504boy
4 posts
Member since Feb 2005
166488 posts
Posted on 3/27/13 at 1:18 pm to
apple
Posted by Vols&Shaft83
Throbbing Member
Member since Dec 2012
69932 posts
Posted on 3/27/13 at 1:36 pm to
quote:

Looking to invest/play with about $15,000. What will give me the best rate of return in a year's time?

I know CDs are safe, but at 1 year with the rates the way they are, I won't make much (probably $200 at best). Would sticking it in the market be better?

New to all this so please don't flame too hard


Yeah, investing in the stock market for 12 months and getting out is a suckers bet.

CD's are an absolute joke, if I'm going to not have access to my money for a year without a penalty, I expect to at least keep pace with inflation.

You can get almost the exact same interest rates with an FDIC insured Money market account, but you'll be much more liquid. (Safest option really)

There are short term mutual funds, but they suck, pretty much Municipal Bond funds, which barely (if at all) beat Treasury Bills.

Got some nuts, you can find some real estate to flip for a reasonable return, but this is a lot of work and you may not get your money out after 12 months.





Posted by Mootsman
Charlotte, NC
Member since Oct 2012
6025 posts
Posted on 3/27/13 at 1:52 pm to
You will not make 200 in twelve months investing 15000 in CDs.
Posted by LSU6262
Member since Jun 2008
7494 posts
Posted on 3/27/13 at 5:46 pm to
200 for $15000 over a year, lol. more like 95 bucks tops
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