I always read stuff about savings plans or accounts that yield 6%, 8%, even 12% per year. What type of investments are these? Are they guaranteed? What is the highest guaranteed interest rate available for those with less than 100K to invest?
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An investment can be guaranteed by the company that offers it, but the company may not be safe. If you want a government guaranteed investment that you can withdraw at anytime with interest, you will be lucky to get 4.5% a year.
You can get higher interest but there is usually a catch. For instance, Government I Bonds will give 6.73% for 6 months, but there is a penalty for if you withdraw the money in less than 5 years. What interest rate you get after 6 months varies. Other government bonds can yield more than 4.5%, but there can be a penalty for early withdrawal. ING has some interesting offers but they often have catches. For instance, they offer 4.75% a year, but it only lasts til April 15th.
1) I know an Insurance company that can pay you 4.75% and my company pays 9.50%
2) If you want an investment of 6% you need to invest in junk bonds. For 8% you need to invest in Exchange Traded Funds. For 12% you need to invest in Mutual Funds or Stocks.
The first two options are guaranteed.
The rest are not guaranteed and you can lose money if you don’t have a Financial Advisor or Portfolio Manager.
The highest guaranteed interest rate available is 9.50%
You can obtain very high returns with stocks if you are willing to risk at least a small amount of money. For example you can limit your loses to 20% and you risk only a maximum of $20,000.00
However, you could make $100,000.00 in a year.
Most people think in the stock market you lose all your money in one day but in reality you can limit your loses.
Drop me a line if you need more detailed advice.
You have ask the right question!
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