Anonymous
Anonymous asked in Business & FinanceInvesting · 1 month ago

Best safe(er) option for investing $100,000 for 12 months? ?

I’ve been looking into CD’s but I feel like the return is kinda low at 2 percent 

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  • 1 month ago
    Favorite Answer

    Actually 2% is high for a safe option for 12 months; some are closer to 0%.

    2% is about as high as it gets for safe options for 12 months. Anything much higher would not be a safe option for 12 months.

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  • 1 month ago

    Risk equals reward.  Low risk investments in this rate environment are yielding that.  At least inflation (in the US) is low. 

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  • Anonymous
    1 month ago

    You won't find much better than a 2.5% return for 12-13 months with no risk.

    If you accept risk, you can strive for more. Can you risk losing money?

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  • 1 month ago

    It's definitely low, especially with $100,000 to invest. Have you consulted a financial advisor?

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  • 1 month ago

    You can probably get a little better return for a little more risk by buying an investment grade bond, but for the most safety you probably should stick with a CD.

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  • 1 month ago

    If you need the principle to be safe, 2% is about the best that you are going to do.

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  • Kyle
    Lv 7
    1 month ago

    get a Roth IRA.  there you can pick safe accounts that you can use towards retirement.  i have mine through Charles Schwab.  they're similar to a 401k.  go see a financial adviser.  most give free consultations.  

    • Wayne Z
      Lv 7
      1 month agoReport

      1)  Roth IRA Contributions are limited to $6000 or $7000 per year.


      2)  There would tax plus a 10% penalty on the earnings if he withdraws the money in a year.


      3)   A Roth IRA, by itself, is not an investment.  If someone invests in a Roth IRA, they still have to choose individual investments.

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