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Message
Best low risk option to make 5%
Posted on 10/6/25 at 8:10 pm
Posted on 10/6/25 at 8:10 pm
What is the best low risk option to make 5% per year on $$$ not needed for 3 years?
Bonds, Multi-Year Guaranteed Annuity, Market, CEFs, etc.. Would prefer for it to be tax deferred for the 3 years.
Bonds, Multi-Year Guaranteed Annuity, Market, CEFs, etc.. Would prefer for it to be tax deferred for the 3 years.
12
Posted on 10/6/25 at 8:29 pm to FriscoTiger
$OKE has a 5.66% yield and a good PE ratio.
Posted on 10/6/25 at 8:32 pm to Bestbank Tiger
$OKE is down over 28% YTD. That's not low risk 
This post was edited on 10/6/25 at 8:34 pm
Posted on 10/6/25 at 8:34 pm to TorchtheFlyingTiger
quote:
I$OKE is down over 28% YTD. That's not low risk
It was overbought before. They're increasing their revenue and profit each year and I can't picture them going away anytime soon.
Posted on 10/6/25 at 8:37 pm to FriscoTiger
money market or high yield savings
quote:that will be determined by how you invest not what you invest in
Would prefer for it to be tax deferred for the 3 years
Posted on 10/6/25 at 8:48 pm to FriscoTiger
you can open a fidelity account and choose for your cash to be in SPaxx. that pays just under 4%. that's about as safe as anything. you can just let it sit in the account and it will draw that without any other moves. this won't be tax deferred though.
if you really want tax free, you probably need to look at eligible bonds.
if you really insist on 5% you probably need to buy preferred shares of a sideways trading Stock.
if you really want tax free, you probably need to look at eligible bonds.
if you really insist on 5% you probably need to buy preferred shares of a sideways trading Stock.
Posted on 10/6/25 at 9:14 pm to FriscoTiger
Lower credit rated , Tax free municipal bonds are around 5%. AAA rated , 2-4%.
Posted on 10/6/25 at 9:18 pm to FriscoTiger
CDs at banks are 100% safe and giving 7.5-8%
Posted on 10/6/25 at 9:21 pm to FriscoTiger
Like usblx?
The investment seeks a conservative balance for the investor between income, the majority of which is exempt from federal income tax, and the potential for long-term growth of capital to preserve purchasing power.
The investment seeks a conservative balance for the investor between income, the majority of which is exempt from federal income tax, and the potential for long-term growth of capital to preserve purchasing power.
Posted on 10/6/25 at 9:42 pm to tigerbacon
What bank?
Posted on 10/6/25 at 9:55 pm to tigerbacon
quote:
CDs at banks are 100% safe and giving 7.5-8%
Which banks?
Posted on 10/6/25 at 10:08 pm to FriscoTiger
VOO
Posted on 10/6/25 at 11:44 pm to FriscoTiger
Split the $ over 3-4 mag 7 stocks and sell covered calls. You can make 15% per year on that.
Posted on 10/7/25 at 5:41 am to FriscoTiger
Vanguard money market is 4%
Posted on 10/7/25 at 5:44 am to FriscoTiger
Buy the preferred stock of companies like JPM and BAC. They are in the range of 5.5-6%.
Less risk than owning the stock especially if there are rate cuts over the next three years.
The dividends are qualified.
Less risk than owning the stock especially if there are rate cuts over the next three years.
The dividends are qualified.
Posted on 10/7/25 at 6:40 am to SlidellCajun
most banks. Capitol one and chase. A local bank in Baton Rouge is offering 5.5% on any checking or savings account. If you only want 5% returns I would take zero risk
Posted on 10/7/25 at 7:28 am to tigerbacon
quote:When was last.time you looked at rates? No one is offering 7.5-8% CDs. If a bank is offering 5% it is a teaser rate short duration and/or applied to limited balance.
CDs at banks are 100% safe and giving 7.5-8%
This post was edited on 10/7/25 at 7:30 am
Posted on 10/7/25 at 7:44 am to frogtown
quote:
Buy the preferred stock of companies like JPM and BAC. They are in the range of 5.5-6%.
Less risk than owning the stock especially if there are rate cuts over the next three years.
The dividends are qualified.
Good answer. This is a good balance of low risk and a higher return than cds.
Posted on 10/7/25 at 8:33 am to SlidellCajun
quote:
CDs at banks are 100% safe and giving 7.5-8%
Which banks?
Banks that won't be around 3 years from now.
Posted on 10/7/25 at 8:44 am to tigerbacon
quote:
most banks. Capitol one and chase. A local bank in Baton Rouge is offering 5.5% on any checking or savings account. If you only want 5% returns I would take zero risk
I dont see any returning 6.5 to 7%
Where are those?
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