Money Market Funds: High Yield, Safe Cash Investments
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For the latest business news and markets data, It seems I keep losing money in my retirement accounts these days.
Is there a safe place I can invest my savings so that at least it won't be affected by the stock market?
W Sure, there are plenty of places you can put your retirement nest egg to protect it from a possible.
You could move it into such as a money market fund, an FDIC-insured savings account or CDs.
Some investors have even been lately as a refuge for uncertain times.
But the question is should you?
Cash equivalents are very secure safe money accounts stable, but they yield these days.
So you're paying for security by accepting safe money accounts low rates of return that may make it difficult for you to build an adequate nest egg that can.
And while gold has shown that it can hold up well, or even thrive, when stocks run into trouble, it's not as if gold is a model of stability that rarely drops in value.
Fact is, while moving your retirement stash to one of the alternatives mentioned above may be "safe" in the sense that it can shield you from a market downturn, it leaves you.
So in trying bonus content repack by pooshock protect yourself, you may actually be doing the opposite.
So what do I recommend instead?
Basically, I suggest you try to achieve a balance between the security you seek from short-term downdrafts in the stock market and the long-term returns you need to achieve goals like accumulating enough savings to support you through what can be a.
To my mind at least, the most sensible way to do that is by investing your savings in a low-cost mix of that's conservative enough to afford reasonable protection from market turmoil but aggressive enough to generate the long-term returns you'll need to achieve your financial goals.
The appropriate mix of stocks and bonds can vary from person to person for any number of reasons, including age, the size of your nest egg, how much you have in the way of other resources to fall back on and how you react to.
But the best way to start figuring out what blend of stocks and bonds makes sense for you is to get a sense of how much risk you visit web page comfortably take on, which you can do by completing a like the one Vanguard offers free online.
You'll receive a suggestedas well as access to stats showing how that mix and others more conservative and aggressive have performed in both good and bad markets.
While those stats can be helpful, I recommend you go a step further and also estimate how the suggested portfolio would have performed in a severe like the one that bonus content repack by pooshock in late 2007 and continued through early 2009, when stocks lost nearly 60% of their value and bonds gained almost 8%.
Such an exercise can give you a better feel for how you might react should you have to deal with a similar market meltdown.
For example, a blend of 70% stocks and 30% check this out would have lost roughly 35% from the peak of the last bull market to the trough of the bear assuming no.
If seeing the value of your savings decline by that amount would have had you bailing out of stocks in a panic, then you might want to rein in your allocation to stocks a bit.
That said, you don't want to lean so far toward security that you end up with anemic returns that make it harder to achieve your goals.
So when you think you may have a stocks-bonds mix that's right for you, test it again by plugging it into a good.
That should tell you whether your investing strategy, combined with or spending, if you're will keep you on track toward a secure retirement.
Once you've arrived at a suitable portfolio, don't mess with it, except to periodically, do the occasional and perhaps as you near and enter retirement.
Going through the exercise I've described above won't completely insulate you from stock market setbacks.
But that's not the aim.
Rather, the goal is to provide enough protection to allow you to bonus content repack by pooshock out the inevitable and then participate learn more here the recoveries, which is a more effective strategy than trying to anticipate the market's ups and downs.
So by all means keep some of your portfolio in cash equivalents -- enough to cover at least three months' worth of expenses during your career and anywhere from one to three years' worth of spending in retirement.
But aside from such an or spending reserve, the rest of your savings should be invested in a way that gives you the best shot at getting through periods of market turmoil without sacrificing too much in long-term gains.
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