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I'm revising my investment options. I'm kind of new to all different types of investing options in the US. So to all of you veterans out there, I want to ask: is there an investing option in the US which gives more than 3% yield at the end? This a yearly yield I'm talking about.
The rule is keeping the main money untouched (no loss) while getting such a return.
I know I can do this by transferring money overseas to europe and get such interest rates but without all this hassle, can I still make it in the US?
peer to peer lending is something i don't real want to get involved with . just the fact no one else wants to loan these people money why should i.
it is way to much work screening so many of these to put a portfolio of them together.
default rates run high . 1 out of 10 defaults is not uncommon and can kill a portfolio .
i would sooner buy something like fidelity capital and income which invests in high yield bonds and distressed companies rather then hand my money to a stranger we know has crappy credit already.
you can easily put a portfolio of international bond funds together which can yield over 3% too but there is risk.
let him invest in your policy then and give him a share. , not sure how that answers his question.
He was looking for a yield higher than 3%, I gave him a fantastic option--even though YOU don't understand the value of a good whole life policy, nor how they work....
When even the lowest fee / easiest to manage funds with low risk like the GNMA based one have yeilds well below 3% that is a sign that you are going to have to accept FAR MORE RISK than many folks are willing to accept...
Personally I understand way this is happening -- the pressure to get folks to invest in parts of economy that would result in some real growth is immense. The countervailing fear that any increased revenues would be scooped up by the higher taxes are forcing people to leave money tied up in things that they KNOW are keeping all yeilds artificilally low -- the debt instruments of the government and federal reserve are being openly touted as exactly the sort of safety net against economic chaos...
There are all kinds of lies being told by the poltical leaders on both sides of the aisle and just as voters narrowly went with the liars they know vs the new riskier option the behavior of investors is largely being shaped by their "familarity" with investments they are comfortable with not those that make the most long term sense.
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