Comments on: 6 Safe Places to Invest Your Money http://www.bankaholic.com/low-risk-places-invest-mone/ Compare the Best CD (Certificate of Deposit) Rates, Highest Money Market Rates, Best Savings Accounts, Bank Deals, Interest Rates and Bank Reviews! Tue, 07 Feb 2012 01:46:29 +0000 http://wordpress.org/?v=2.9.2 hourly 1 By: Thomas Charlie http://www.bankaholic.com/low-risk-places-invest-mone/comment-page-1/#comment-275218 Thomas Charlie Mon, 16 Jan 2012 06:22:08 +0000 http://www.bankaholic.com/?p=606#comment-275218 I think most people don’t really know how they’ll react when their money is on the line… we all have some kind of bias when assessing our own profile and this could have negative consequences on our financial decisions. A real, in depth self assessment should be required when starting to invest, so that we all really know what to do with our money. I think it would also be useful to show real life investment experiences one bad in order to illustrate what might happen. And of course, never forget about diversifying our portfolio, in order to have limited exposure in one specific investment. I think most people don’t really know how they’ll react when their money is on the line… we all have some kind of bias when assessing our own profile and this could have negative consequences on our financial decisions.

A real, in depth self assessment should be required when starting to invest, so that we all really know what to do with our money. I think it would also be useful to show real life investment experiences one bad in order to illustrate what might happen.

And of course, never forget about diversifying our portfolio, in order to have limited exposure in one specific investment.

]]> By: Patrick Ubi http://www.bankaholic.com/low-risk-places-invest-mone/comment-page-1/#comment-195926 Patrick Ubi Sat, 08 Jan 2011 22:59:46 +0000 http://www.bankaholic.com/?p=606#comment-195926 where do i get to invest my money? where do i get to invest my money?

]]> By: syra http://www.bankaholic.com/low-risk-places-invest-mone/comment-page-1/#comment-188694 syra Wed, 13 Oct 2010 04:28:33 +0000 http://www.bankaholic.com/?p=606#comment-188694 The most wise way to invest our money in Gold,Silver,Real estate,Franchising and Establishise our own web site. Gold and Real estate is the best hedge againt inflation. Gold always preserve wealth during inflation time. We generally think that real estate always beats inflation, but it can also be away to gain great residual income. In real estate, we can defeat inflation and can get our money in return in the form of rent in each month. We can also invest our money in buying silver because silver has more than 2,000 uses in the world today in which most are very vital to our society.t is also a great hedge to inflation and is more rare on the earth today than gold is. Franchising is not easy today but if we have deep pocket and a lot of patience then we can do it. Life insurance is one of the most overlooked means of investment, but is probably one of the best. In this way we can invest our money in most effective way. The most wise way to invest our money in Gold,Silver,Real estate,Franchising and Establishise our own web site. Gold and Real estate is the best hedge againt inflation. Gold always preserve wealth during inflation time. We generally think that real estate always beats inflation, but it can also be away to gain great residual income. In real estate, we can defeat inflation and can get our money in return in the form of rent in each month. We can also invest our money in buying silver because silver has more than 2,000 uses in the world today in which most are very vital to our society.t is also a great hedge to inflation and is more rare on the earth today than gold is. Franchising is not easy today but if we have deep pocket and a lot of patience then we can do it. Life insurance is one of the most overlooked means of investment, but is probably one of the best. In this way we can invest our money in most effective way.

]]> By: luciyahelan http://www.bankaholic.com/low-risk-places-invest-mone/comment-page-1/#comment-183162 luciyahelan Mon, 21 Jun 2010 06:47:02 +0000 http://www.bankaholic.com/?p=606#comment-183162 The blame for this lies with the people who managed these institutions at the time they started taking these risks, and with the congress who failed to demand more oversight. The executive branch of government is not the place to start looking. If you had truly invested in ultra conservative bonds, your money would have gone up, not down. Ultra conservative bonds with higher yield when you got them, should be worth significantly more now. If you lost money in a CD, go to the Federal Reserve with a complaint because it is insured. ==================================== <a href="http://investmentsupport.co.uk" rel="nofollow">Investment Support</a> The blame for this lies with the people who managed these institutions at the time they started taking these risks, and with the congress who failed to demand more oversight. The executive branch of government is not the place to start looking. If you had truly invested in ultra conservative bonds, your money would have gone up, not down. Ultra conservative bonds with higher yield when you got them, should be worth significantly more now. If you lost money in a CD, go to the Federal Reserve with a complaint because it is insured.
====================================
Investment Support

]]> By: Jeff http://www.bankaholic.com/low-risk-places-invest-mone/comment-page-1/#comment-155291 Jeff Thu, 29 Jan 2009 00:42:28 +0000 http://www.bankaholic.com/?p=606#comment-155291 i should say a guarateed 5 perc for 3 years and 3 perc floor(never to go below) after the 3rd year. If anyone has a better guaranteed solutions ...let me know! i should say a guarateed 5 perc for 3 years and 3 perc floor(never to go below) after the 3rd year. If anyone has a better guaranteed solutions …let me know!

]]> By: Jeff http://www.bankaholic.com/low-risk-places-invest-mone/comment-page-1/#comment-155289 Jeff Thu, 29 Jan 2009 00:37:51 +0000 http://www.bankaholic.com/?p=606#comment-155289 Go to New York Life Guaranteed tax defered annuities.....they have a guaranteed 5perc. lock with a high 3 floor.... No 1099's at the end of the year....always guaranteed the principle that you put in...call me 619-322-5436 about any questions..My name is.Jeff La Pierre in San Diego...will be happy to awnser any questions. Go to New York Life Guaranteed tax defered annuities…..they have a guaranteed 5perc. lock with a high 3 floor…. No 1099’s at the end of the year….always guaranteed the principle that you put in…call me 619-322-5436 about any questions..My name is.Jeff
La Pierre in San Diego…will be happy to awnser any questions.

]]> By: Ray The Money Man http://www.bankaholic.com/low-risk-places-invest-mone/comment-page-1/#comment-143291 Ray The Money Man Wed, 12 Nov 2008 19:21:32 +0000 http://www.bankaholic.com/?p=606#comment-143291 It angers me that because of lazy, crappy money managers the average citizen is kept out of the market. Right now is one of the most profitable times in our investing careers. But we manage our fund like a hedge fund. Just shorting oil alone and going long crude if even for a couple of hours to catch the dead cat bounce has made us a lot of money. Why can't these money managers let their clients take advantage of that? Because they pay them penny's [like their local bank does] for their cash and then use the cash for their own trading. That is criminal. It angers me that because of lazy, crappy money managers the average citizen is kept out of the market. Right now is one of the most profitable times in our investing careers. But we manage our fund like a hedge fund. Just shorting oil alone and going long crude if even for a couple of hours to catch the dead cat bounce has made us a lot of money. Why can’t these money managers let their clients take advantage of that? Because they pay them penny’s [like their local bank does] for their cash and then use the cash for their own trading. That is criminal.

]]> By: misanthropope http://www.bankaholic.com/low-risk-places-invest-mone/comment-page-1/#comment-135560 misanthropope Wed, 08 Oct 2008 18:41:45 +0000 http://www.bankaholic.com/?p=606#comment-135560 _mutual funds_?? surely not. there are funds which are *marketed* to people fearful of risk, but mutual funds are worse than index funds in all kinds of weather. Believe me, index fund holders aren't feeling any too safe right now. _mutual funds_?? surely not. there are funds which are *marketed* to people fearful of risk, but mutual funds are worse than index funds in all kinds of weather. Believe me, index fund holders aren’t feeling any too safe right now.

]]> By: Dave http://www.bankaholic.com/low-risk-places-invest-mone/comment-page-1/#comment-134417 Dave Sat, 04 Oct 2008 14:09:39 +0000 http://www.bankaholic.com/?p=606#comment-134417 WAMU raised their savings account interest to 4%. JP Morgan probably won't keep it that high forever, but since there's no penalty for transferring in & out, might be a good place to put it until they drop their rates WAMU raised their savings account interest to 4%. JP Morgan probably won’t keep it that high forever, but since there’s no penalty for transferring in & out, might be a good place to put it until they drop their rates

]]> By: Craig http://www.bankaholic.com/low-risk-places-invest-mone/comment-page-1/#comment-132834 Craig Mon, 29 Sep 2008 17:08:48 +0000 http://www.bankaholic.com/?p=606#comment-132834 Here is the US Treasury press release for the insurance offering: http://www.ustreas.gov/press/releases/hp1147.htm Here is the US Treasury press release for the insurance offering:

http://www.ustreas.gov/press/releases/hp1147.htm

]]> By: Craig http://www.bankaholic.com/low-risk-places-invest-mone/comment-page-1/#comment-132831 Craig Mon, 29 Sep 2008 16:53:30 +0000 http://www.bankaholic.com/?p=606#comment-132831 Hi Irene, Just to ease your worries, last week the Fed stepped in to offer an FDIC like insurance to money market funds. Many of the major fund companies are picking up this insurance to restore investor confidence. This insurance will in all likelihood not be retroactive to those funds which already fell below a dollar. I beleive the Treasury Department is still working out the details. The funds that had the most trouble were those that were institutional in their holdings and stated such in their fund name. The Reserve Primary fund may have been a unusual situation. If you went to the fund's website, they may even be commenting about their prospect of entering into this new mutual fund money market insuarance offering, in order to reduce investor fear. Hi Irene,

Just to ease your worries, last week the Fed stepped in to offer an FDIC like insurance to money market funds. Many of the major fund companies are picking up this insurance to restore investor confidence.

This insurance will in all likelihood not be retroactive to those funds which already fell below a dollar. I beleive the Treasury Department is still working out the details. The funds that had the most trouble were those that were institutional in their holdings and stated such in their fund name. The Reserve Primary fund may have been a unusual situation.

If you went to the fund’s website, they may even be commenting about their prospect of entering into this new mutual fund money market insuarance offering, in order to reduce investor fear.

]]> By: David http://www.bankaholic.com/low-risk-places-invest-mone/comment-page-1/#comment-132707 David Mon, 29 Sep 2008 05:08:23 +0000 http://www.bankaholic.com/?p=606#comment-132707 The Federal Deposit Insurance Corp. guarantees up to $100,000 for your bank account, the Securities Investor Protection Corp. provides up to $500,000 in cases of missing assets from a brokerage account and even traditional pensions are backed by the government's Pension Benefit Guaranty Corp., but who's watching your 401(k) funds? That's the burning question! They are making assumptions here. 1. Money markets (Assumably safe) are Mutual Funds. They may not take as big a hit as truer Mutual Stock Funds, but I wouldn't count on them being listed as the #1 safe investment in this recession/Depression we are entering. I would check 401k's and all investments to find out out just how safe they are. If you have $100,000 or less in a bank with FDIC protection earning anywhere between 2 - 4.5%, you are a wise investor. This will seem ironic, but the gov't is insuring you here. The worst thing to do, IMO, is to leave your investments alone and trust your broker. Find out for yourself and do not trust three-pieced commissioned sales people or even myself. Do your homework - don't get burned. Been there, done that. The Federal Deposit Insurance Corp. guarantees up to $100,000 for your bank account, the Securities Investor Protection Corp. provides up to $500,000 in cases of missing assets from a brokerage account and even traditional pensions are backed by the government’s Pension Benefit Guaranty Corp., but who’s watching your 401(k) funds? That’s the burning question!

They are making assumptions here. 1. Money markets (Assumably safe) are Mutual Funds. They may not take as big a hit as truer Mutual Stock Funds, but I wouldn’t count on them being listed as the #1 safe investment in this recession/Depression we are entering. I would check 401k’s and all investments to find out out just how safe they are. If you have $100,000 or less in a bank with FDIC protection earning anywhere between 2 – 4.5%, you are a wise investor. This will seem ironic, but the gov’t is insuring you here. The worst thing to do, IMO, is to leave your investments alone and trust your broker. Find out for yourself and do not trust three-pieced commissioned sales people or even myself. Do your homework – don’t get burned. Been there, done that.

]]> By: Irene Smith http://www.bankaholic.com/low-risk-places-invest-mone/comment-page-1/#comment-132326 Irene Smith Sat, 27 Sep 2008 16:34:57 +0000 http://www.bankaholic.com/?p=606#comment-132326 I see that one of the 6 recommended "safe" places is a 401K, and I have my $$ in my state 401K and in a state deferred comp account (I am a retired state employee)- with both being in what is called "stable fund" investments. Are they considered "safe" because they are insured, or just because they are "stable? I thought stable meant like a money market... but I am begining to wonder based on Craig's comment above concerning Lehman Bros. I see that one of the 6 recommended “safe” places is a 401K, and I have my $$ in my state 401K and in a state deferred comp account (I am a retired state employee)- with both being in what is called “stable fund” investments. Are they considered “safe” because they are insured, or just because they are “stable? I thought stable meant like a money market… but I am begining to wonder based on Craig’s comment above concerning Lehman Bros.

]]> By: Craig http://www.bankaholic.com/low-risk-places-invest-mone/comment-page-1/#comment-132151 Craig Fri, 26 Sep 2008 20:29:46 +0000 http://www.bankaholic.com/?p=606#comment-132151 Eric, Bush/Cheney are not the cause of this issue. This is what happens when you have a government backed lending institution with no oversight throw money at people in the name of affordable housing (e.g. Fannie Mae & Freddie Mac). It becomes a social welfare initiative instead of a financial institution. How are banks going to compete with an entity like that? They have to offer similar products at similar risks, or go out of business. They have to compete or close their doors. The blame for this lies with the people who managed these institutions at the time they started taking these risks, and with the congress who failed to demand more oversight. The executive branch of government is not the place to start looking. If you had truly invested in ultra conservative bonds, your money would have gone up, not down. Ultra conservative bonds with higher yield when you got them, should be worth significantly more now. If you lost money in a CD, go to the Federal Reserve with a complaint because it is insured. Don’t let the door hit you in the @ss on the way out. I hear France is lovely this time of year. Eric,

Bush/Cheney are not the cause of this issue. This is what happens when you have a government backed lending institution with no oversight throw money at people in the name of affordable housing (e.g. Fannie Mae & Freddie Mac). It becomes a social welfare initiative instead of a financial institution. How are banks going to compete with an entity like that? They have to offer similar products at similar risks, or go out of business. They have to compete or close their doors.

The blame for this lies with the people who managed these institutions at the time they started taking these risks, and with the congress who failed to demand more oversight. The executive branch of government is not the place to start looking.

If you had truly invested in ultra conservative bonds, your money would have gone up, not down. Ultra conservative bonds with higher yield when you got them, should be worth significantly more now. If you lost money in a CD, go to the Federal Reserve with a complaint because it is insured.

Don’t let the door hit you in the @ss on the way out. I hear France is lovely this time of year.

]]> By: frank furbrish http://www.bankaholic.com/low-risk-places-invest-mone/comment-page-1/#comment-131790 frank furbrish Thu, 25 Sep 2008 13:52:29 +0000 http://www.bankaholic.com/?p=606#comment-131790 You only saved $400 over 18 years? Wow, maybe you should just go out and but one 1 oz. gold coin, easier to fit in the mattress, even your pocket. Soory you only accumulated $1,200.00 in almost 20 years! You only saved $400 over 18 years? Wow, maybe you should just go out and but one 1 oz. gold coin, easier to fit in the mattress, even your pocket. Soory you only accumulated $1,200.00 in almost 20 years!

]]> By: Eric http://www.bankaholic.com/low-risk-places-invest-mone/comment-page-1/#comment-131111 Eric Mon, 22 Sep 2008 22:16:00 +0000 http://www.bankaholic.com/?p=606#comment-131111 Well, thanks to Bush/Cheney and their pals, I just lost big time on my mutual funds. I had everything in ultra conservative tax free bonds and such. Started with $800 18 years ago built up to $1200 as of 2 months ago and now as of 09/19/08 the bottom dropped out of those funds leaving me with pennies thanks to the coming "bail out". I have tried CDs in the past and lost on that as well. The interest rates on those are less than .00000001% I'm done with all that stuff. In my mind, the safest place to invest your money is in a good savings bank that never did and never will do risky loans even though the yield there is only .001% or the perverbial mattress which is about the same yield. I now have what little is left in both. Time to leave the country. Well, thanks to Bush/Cheney and their pals, I just lost big time on my mutual funds. I had everything in ultra conservative tax free bonds and such. Started with $800 18 years ago built up to $1200 as of 2 months ago and now as of 09/19/08 the bottom dropped out of those funds leaving me with pennies thanks to the coming “bail out”. I have tried CDs in the past and lost on that as well. The interest rates on those are less than .00000001%
I’m done with all that stuff. In my mind, the safest place to invest your money is in a good savings bank that never did and never will do risky loans even though the yield there is only .001% or the perverbial mattress which is about the same yield. I now have what little is left in both. Time to leave the country.

]]> By: ken http://www.bankaholic.com/low-risk-places-invest-mone/comment-page-1/#comment-131069 ken Mon, 22 Sep 2008 17:49:31 +0000 http://www.bankaholic.com/?p=606#comment-131069 Check out GMAC CD yields- 4 stars and best I've seen in the country. Check out GMAC CD yields- 4 stars and best I’ve seen in the country.

]]> By: Love http://www.bankaholic.com/low-risk-places-invest-mone/comment-page-1/#comment-130226 Love Fri, 19 Sep 2008 02:20:26 +0000 http://www.bankaholic.com/?p=606#comment-130226 With the current financial situation right now, all of a sudden I'm thinking about taking $500 of my savings from Washington Mutual that is just sitting there and invest it in some sort of CD or something. Is it wise to move money right now or should I wait and see what happens especially with my current bank? Actually, I never thought of doing anything with the little bit of savings I own until now (in this financial crisis) - how ironic. With the current financial situation right now, all of a sudden I’m thinking about taking $500 of my savings from Washington Mutual that is just sitting there and invest it in some sort of CD or something. Is it wise to move money right now or should I wait and see what happens especially with my current bank? Actually, I never thought of doing anything with the little bit of savings I own until now (in this financial crisis) – how ironic.

]]> By: Tom http://www.bankaholic.com/low-risk-places-invest-mone/comment-page-1/#comment-130200 Tom Thu, 18 Sep 2008 21:39:34 +0000 http://www.bankaholic.com/?p=606#comment-130200 The list doesn't mention Municipal Bonds. AAA, insured municipal bonds are 2nd in safety only to Federal Treasuries and are currently paying 4%-6% state and federal tax free, which is an 8%-10% taxable equivalent. Contact Tom Klocker @ 800-765-2230 x130 for more information. The list doesn’t mention Municipal Bonds. AAA, insured municipal bonds are 2nd in safety only to Federal Treasuries and are currently paying 4%-6% state and federal tax free, which is an 8%-10% taxable equivalent. Contact Tom Klocker @ 800-765-2230 x130 for more information.

]]> By: Craig http://www.bankaholic.com/low-risk-places-invest-mone/comment-page-1/#comment-129934 Craig Wed, 17 Sep 2008 04:02:31 +0000 http://www.bankaholic.com/?p=606#comment-129934 Some Money Markets are not safe because they invest in failed/failing banks. The Reserve Primary Fund just announced tonight that thier share value dropped below $1.00 a share (loss of principle) because they invested in Lehman Bros certificates. They may stop redeption requests for up to a week. Here is a link to the press release: http://www.ther.com/pdfs/Press%20Release%202008_0916.pdf?scp=2&sq=eric dash&st=cse Some Money Markets are not safe because they invest in failed/failing banks. The Reserve Primary Fund just announced tonight that thier share value dropped below $1.00 a share (loss of principle) because they invested in Lehman Bros certificates. They may stop redeption requests for up to a week. Here is a link to the press release:
http://www.ther.com/pdfs/Press%20Release%202008_0916.pdf?scp=2&sq=eric dash&st=cse

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