PH
发帖数: 171 | 1 【 以下文字转载自 Money 讨论区 】
发信人: PH (珍惜时间), 信区: Money
标 题: 请教：余钱理财问题
发信站: BBS 未名空间站 (Wed Mar 4 18:36:49 2009)
手头有两万的活钱，CD刚到期，基于现在的经济形势不敢把这钱都付了房贷，请问除了
把钱放在money market或者open CD，还有其他回报率高一些的理财方法么？
万分感谢！ |
K****D
发帖数: 30533 | 2 Unfortunately, there is none. Cash is still the king, everything else is
at most queen.
【在 PH 的大作中提到】
: 【 以下文字转载自 Money 讨论区 】
: 发信人: PH (珍惜时间), 信区: Money
: 标 题: 请教：余钱理财问题
: 发信站: BBS 未名空间站 (Wed Mar 4 18:36:49 2009)
: 手头有两万的活钱，CD刚到期，基于现在的经济形势不敢把这钱都付了房贷，请问除了
: 把钱放在money market或者open CD，还有其他回报率高一些的理财方法么？
: 万分感谢！
|
h*******y
发帖数: 864 | 3 No. Apparently you could go to Stanford International Bank which offered CDs
paying anywhere from 7.45 percent to 10 percent annual interest rates.
【在 K****D 的大作中提到】
: Unfortunately, there is none. Cash is still the king, everything else is
: at most queen.
|
c****o
发帖数: 32446 | |
p********t
发帖数: 1219 | 5 近期股市会反弹吧。今天把retirement plan的钱从MM转到stock了。奥巴马都跳出来说
要买股票，应该不会错。
【在 K****D 的大作中提到】
: Unfortunately, there is none. Cash is still the king, everything else is
: at most queen.
|
c****o
发帖数: 32446 | 6 LOL ...... 给个理由听O8的
【在 p********t 的大作中提到】
: 近期股市会反弹吧。今天把retirement plan的钱从MM转到stock了。奥巴马都跳出来说
: 要买股票，应该不会错。
|
s*******d
发帖数: 126 | 7 if you plan to use the money with three or five years, then you are better
off to put it in a money market fund with a reputable bank/institution, for
example, Vanguard.
Or you can consider Vanguard's Total Bond Market Index Fund, that is a
relatively safe investement, indexing the entire bond market.
【在 PH 的大作中提到】
: 【 以下文字转载自 Money 讨论区 】
: 发信人: PH (珍惜时间), 信区: Money
: 标 题: 请教：余钱理财问题
: 发信站: BBS 未名空间站 (Wed Mar 4 18:36:49 2009)
: 手头有两万的活钱，CD刚到期，基于现在的经济形势不敢把这钱都付了房贷，请问除了
: 把钱放在money market或者open CD，还有其他回报率高一些的理财方法么？
: 万分感谢！
|
p********t
发帖数: 1219 | 8 昨天就想转，结果错过了今天的大涨。奥巴马这么要面子。要是没点内幕，不会出来扯
淡吧。
【在 c****o 的大作中提到】
: LOL ...... 给个理由听O8的
|
k****t
发帖数: 12697 | 9 OMG. Is SIB's CEO name Madoff? or Cosmo?
CDs
【在 h*******y 的大作中提到】
: No. Apparently you could go to Stanford International Bank which offered CDs
: paying anywhere from 7.45 percent to 10 percent annual interest rates.
|
h*******y
发帖数: 864 | 10 That's what happens when investor seeks extra return but don't want to take
any additional risks. In the end, it's not that the new investment method
does not have risks, but the risks are hiding under the surface. How many
investors bought AAA-rating MBS?
Smart investors always seek risk-free returns. My IQ is lower but my heart
is stronger so I seek the risk-premium instead. So the bumpy the ride, the
better for me.
By the way, for those who missed the Madoff and Stanford international bank
op
【在 c****o 的大作中提到】
: 楼上的太坏了，不学好
|
k****t
发帖数: 12697 | 11 the 3 mo term is tempting. advanta may make it through.
take
bank
【在 h*******y 的大作中提到】
: That's what happens when investor seeks extra return but don't want to take
: any additional risks. In the end, it's not that the new investment method
: does not have risks, but the risks are hiding under the surface. How many
: investors bought AAA-rating MBS?
: Smart investors always seek risk-free returns. My IQ is lower but my heart
: is stronger so I seek the risk-premium instead. So the bumpy the ride, the
: better for me.
: By the way, for those who missed the Madoff and Stanford international bank
: op
|
l*c
发帖数: 26 | 12 Usually it is recommended that you have a cash pool (emergency fund) that is
equal to 3-6 months living expenses. If you have more money left, then do
something else. Higher returns usually come with high risks.
【在 PH 的大作中提到】
: 【 以下文字转载自 Money 讨论区 】
: 发信人: PH (珍惜时间), 信区: Money
: 标 题: 请教：余钱理财问题
: 发信站: BBS 未名空间站 (Wed Mar 4 18:36:49 2009)
: 手头有两万的活钱，CD刚到期，基于现在的经济形势不敢把这钱都付了房贷，请问除了
: 把钱放在money market或者open CD，还有其他回报率高一些的理财方法么？
: 万分感谢！
|
i******l
发帖数: 828 | 13 BSO 鱼前
【在 PH 的大作中提到】
: 【 以下文字转载自 Money 讨论区 】
: 发信人: PH (珍惜时间), 信区: Money
: 标 题: 请教：余钱理财问题
: 发信站: BBS 未名空间站 (Wed Mar 4 18:36:49 2009)
: 手头有两万的活钱，CD刚到期，基于现在的经济形势不敢把这钱都付了房贷，请问除了
: 把钱放在money market或者open CD，还有其他回报率高一些的理财方法么？
: 万分感谢！
|
