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Posts Tagged ‘risk’

I know money market account is not isured by FDIC. I will have about 300K to invest but since the stock market is really volatile right now, I like to start investing slowly. I am planning to put some money in money market account at Vanguard. Their money market account have a slightly higher return. I also want to buy some mutual funds that Vanguard offers in the future.
But I am just a little concerned about putting all the money in just one account. Any thought? What kind of risk shoud I think about? Should I go with CD or Bond?

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Technorati Tags: 300k, fdic, money market account, mutual funds, risk, stock market, vanguard

I’m a 35yo single male, I own my own home and I have about 000 in a money market paying 4.65 apy. Also i have two CD’s each for 00 5.35% apy for nine months. My mortage is 6.74% apr ( I owe k, purchased house at k two years ago). I also have about k in a retirement mutual fund which I have calculated has paid a disappointing 5 % over the last 7 yrs. My question is this. These investments (cd’s and money markets) are super safe because of FDIC. And I like a sure thing even though I’ve heard often that when your younger u should have more risk in your portfolio than when u r older. Are there investments that would pay slighty more and be slightly more risky but not too risky. Perhaps municipal bonds? I also like the liquidity of CD’s and money market accounts so I wouldn’t want to give up all that much liquidity.

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Technorati Tags: fdic, investments, liquidity, money market accounts, money markets, mortage, municipal bonds, mutual fund, nine months, retirement, risk, sure thing

Like the S&P 500, since it goes up and down with the market. Is the strategy of an "index and a few" (few refering to stocks) a good way to invest? How should a moderate-higher risk investor invest? Also, since most mutual funds underperform, why should you invest in some(or not)?

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Technorati Tags: amp, investor, mutual funds, refering, risk, stocks

If I have my money all in vanguard ( in a variety of funds), would I lower my risk by adding another fund family (ex: fidelity)? Since all the money is ultimately in the stock market, I can’t see how it would be less riskier to invest in 2 fund families. After seeing banks fail, people lose houses, huge financial firms go bankrupt, I’m nervous about having all my assets in one institution, but even in Vanguard went bankrupt, I’d still have all my mutual funds in the stock market, right?

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Technorati Tags: assets, banks, fidelity, financial firms, fund families, money, mutual funds, risk, stock market, vanguard

I want as high as I can get. I saw a company called Everbank that offered about 2% for the first year. Is Everbank a legitimate company? I don’t want anyone stealing my money, and I am not very trusting. Should I just get a money market with Everbank? Is there any other legitimate company with no risk that has a higher APY?

Thanks

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Technorati Tags: apy, everbank, legitimate company, money market, risk

People have told me due to my high level of risk that I should invest most of my money in stocks. I know my bank offers mutual funds and IRA’s but I am not sure if they offer stocks. If I have no stock investing experience then should I hire a broker to do it for me or should I just stick with aggressive mutual funds? Are stocks and mutual funds the same thing? What is an example of a stock?

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Technorati Tags: ira, money, mutual funds, risk, stock, stocks

I will be opening it with 00 and adding 00 each month for the next year. The interest will be 0.10% and the APY will be 0.10%. At these rates, what will my balance be at the end of the year?

Also what is the risk of losing my money with a money market account? I have heard that they are unstable.

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Technorati Tags: apy, money market account, risk

Today, January 22, 2008 all the news channels were focusing on the stock market a huge risk of recession. They also said that the federal government reduced interest rates. I only saw bits and pieces of the news report. What exactly happened? What was the scare? What did the government do?

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Technorati Tags: bits and pieces, federal government, interest rates, news channels, news report, recession, risk, scare, stock market

And by risk I don’t mean market volatility… I mean risk as in Enron-type risk… Because Vanguard is a cooperative, is it even possible that someone is cooking the books or in a position to screw over the investors?

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Technorati Tags: cooperative, enron, investors, market volatility, risk, vanguard

I don’t want to get ahead of myself, but these mutual funds seem extremely high-yielding, even over long periods, and make American stocks and funds look nearly pointless in comparison. I don’t mind the risk involved, and would likely purchase shares of a diversified fund or several different regional funds. What do you think of these funds, and is there anything else I should be aware of?
China is not a communist economy. It’s free enterprise.

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Technorati Tags: american stocks, china, communist economy, diversified fund, free enterprise, long periods, mutual funds, regional funds, risk