Is there any relatively safe investment that makes a better rate than a CD?

I am getting .4 %.

I don't think that is even better than the inflation rate.

Thanks.

On 4/16/2021 10:11 AM, AK wrote:
Is there any relatively safe investment that makes a better rate than a CD?

I am getting .4 %.

I don't think that is even better than the inflation rate.

Thanks.


That is actually a good rate. I have one coming due next month and the
rate today is .2%, down from the 2.84 I bought in at. I have a Money
Market account that used to pay a modest rate and last month I made 11
cents on it.

On Fri, 16 Apr 2021 10:26:33 -0400, Ed Pawlowski wrote:

On 4/16/2021 10:11 AM, AK wrote:
Is there any relatively safe investment that makes a better rate than a CD?

I am getting .4 %.

I don't think that is even better than the inflation rate.

Thanks.


That is actually a good rate. I have one coming due next month and the
rate today is .2%, down from the 2.84 I bought in at. I have a Money
Market account that used to pay a modest rate and last month I made 11
cents on it.


If you throw $ 2. million their way - you can get 1.5 % ..

https://www.kindredcu.com/Rates/GICs/

John T.

On Friday, April 16, 2021 at 10:02:21 AM UTC-5, wrote:
On Fri, 16 Apr 2021 10:26:33 -0400, Ed Pawlowski wrote:

On 4/16/2021 10:11 AM, AK wrote:
Is there any relatively safe investment that makes a better rate than a CD?

I am getting .4 %.

I don't think that is even better than the inflation rate.

Thanks.


That is actually a good rate. I have one coming due next month and the
rate today is .2%, down from the 2.84 I bought in at. I have a Money
Market account that used to pay a modest rate and last month I made 11
cents on it.
If you throw $ 2. million their way - you can get 1.5 % ..

https://www.kindredcu.com/Rates/GICs/

John T.
If I had 2 million, I probably would not need a CD.

:-)

On 4/16/2021 9:11 AM, AK wrote:
Is there any relatively safe investment that makes a better rate than a CD?

I am getting .4 %.

I don't think that is even better than the inflation rate.

Thanks.


Toyota Driver Notes and GM Right Notes..

Now paying 1.5%

On 4/16/21 10:11 AM, AK wrote:
Is there any relatively safe investment that makes a better rate than a CD?

I am getting .4 %.

I don't think that is even better than the inflation rate.

Thanks.


One thing I've found is an annuity called an SPDA (Single Premium
Deferred Annuity). It acts much like a CD except interest is deferred.

I got it thru my bank's brokerage dept. 5 years ago at 1.85%. It's
coming due soon, and I'm told I may be able to get 2.1% on a renewal
called a "Sec 1035 exchange". That way the interest stays deferred.
It's not FDIC insured as it's not held by the bank, but a highly rated
insurance co.

As always, YMMV

In article ,
says...

Is there any relatively safe investment that makes a better rate than a CD?

I am getting .4 %.

I don't think that is even better than the inflation rate.

Thanks.

The rates for anything other than the stock market have been a joke for
many years.

If the CD is not paying 5% or more it is a waste of time and money to
fool with them.

I would just invest in a good mutual fund and let it go at that. They
may go up and down,but over a long time they go up.

It seems bad,but I have watched my IRA that is in mutual funds go up and
down in one day as much as I made in 2 months when working. Overall
they have made more than 10 % average per year in the last few years.
Some much more.

On 4/16/2021 10:11 AM, AK wrote:
Is there any relatively safe investment that makes a better rate than a CD?

I am getting .4 %.

I don't think that is even better than the inflation rate.

Thanks.



If you're fortunate to be able to deposit larger sums, and qualify for
membership in a credit union, many credit unions offer both regular and
"Jumbo" money market savings accounts (MMSA) that equal or beat your
0.4%. Many times the rate on the regular MMSAs escalates as the total
deposited meets a higher balance threshold. Right now, my credit union
pays 0.5% on "Jumbo" MMSAs, which require a minimum deposit of $100K.
You can make a certain number of withdrawals each month from a MMSA
without penalty, as opposed to what happens if you cash in a CD
prematurely. Just as with bank account deposit protection from the
FDIC, you get credit union deposit protection from the National Credit
Union Association (NCUA). I believe both follow the same policies for
maximum deposit amounts that are insured.

In article ,
says...

If you're fortunate to be able to deposit larger sums, and qualify for
membership in a credit union, many credit unions offer both regular and
"Jumbo" money market savings accounts (MMSA) that equal or beat your
0.4%. Many times the rate on the regular MMSAs escalates as the total
deposited meets a higher balance threshold. Right now, my credit union
pays 0.5% on "Jumbo" MMSAs, which require a minimum deposit of $100K.
You can make a certain number of withdrawals each month from a MMSA
without penalty, as opposed to what happens if you cash in a CD
prematurely. Just as with bank account deposit protection from the
FDIC, you get credit union deposit protection from the National Credit
Union Association (NCUA). I believe both follow the same policies for
maximum deposit amounts that are insured.



Right now my credit union is paying .5% on most CDs and some other
accounts. I would not even crank up the car and go to them to set it up
at that rate.

The checking and money market accounts psy some interist but I only keep
a small ammount in them. Usually enought to pay off things like the
property tax, insurance and a few other things that may come due during
the year that are around 1 to 2 thousand dollars. I do keep 2 or 3
thousand in the money market as 'mad money' incase I find something I
want to buy.

In about a week or less I can get the money out of the IRA or some stock
that I am playing with if I need money to cover some unexpected expense.

On Friday, April 16, 2021 at 9:11:45 AM UTC-5, AK wrote:
Is there any relatively safe investment that makes a better rate than a CD?

I am getting .4 %.

I don't think that is even better than the inflation rate.

Thanks.

I checked the inflation rate a few days ago. One source put it at 1.6%. It's been years
since I had money in the old government bond. EE?
You might want to look at balanced index funds. I've had some of my money in one of Vanguard's but
that particular one is closed to new investors. It has 60% of the money in stocks, 40% in bonds.
An article here about others.
https://investedwallet.com/best-vanguard-index-funds/
Consumer Reports years ago claimed it's better to get an index fund that just tracks a group of
stocks and/or bonds. Doing that cuts out the hot shot stock picker who might make a fortune one
year then go tits up the next.

On 4/16/2021 11:37 AM, Dean Hoffman wrote:
On Friday, April 16, 2021 at 9:11:45 AM UTC-5, AK wrote:
Is there any relatively safe investment that makes a better rate than a CD?

I am getting .4 %.

I don't think that is even better than the inflation rate.

Thanks.

I checked the inflation rate a few days ago. One source put it at 1.6%. It's been years
since I had money in the old government bond. EE?
You might want to look at balanced index funds. I've had some of my money in one of Vanguard's but
that particular one is closed to new investors. It has 60% of the money in stocks, 40% in bonds.
An article here about others.
https://investedwallet.com/best-vanguard-index-funds/
Consumer Reports years ago claimed it's better to get an index fund that just tracks a group of
stocks and/or bonds. Doing that cuts out the hot shot stock picker who might make a fortune one
year then go tits up the next.


Lot depends on your age and tolerance for risk.

You are not going to get any interest rates anywhere near inflation rate
and I think inflation is much higher than quoted. Government plays
games in trying to show inflation rate is low such as if price of beef
spikes then people will eat chicken so they say inflation in meat prices
did not go up.

I think index funds are probably the best bet for balanced safety/risk.

On Friday, April 16, 2021 at 12:06:42 PM UTC-4, Frank wrote:
On 4/16/2021 11:37 AM, Dean Hoffman wrote:
On Friday, April 16, 2021 at 9:11:45 AM UTC-5, AK wrote:
Is there any relatively safe investment that makes a better rate than a CD?

I am getting .4 %.

I don't think that is even better than the inflation rate.

Thanks.

I checked the inflation rate a few days ago. One source put it at 1.6%. It's been years
since I had money in the old government bond. EE?
You might want to look at balanced index funds. I've had some of my money in one of Vanguard's but
that particular one is closed to new investors. It has 60% of the money in stocks, 40% in bonds.
An article here about others.
https://investedwallet.com/best-vanguard-index-funds/
Consumer Reports years ago claimed it's better to get an index fund that just tracks a group of
stocks and/or bonds. Doing that cuts out the hot shot stock picker who might make a fortune one
year then go tits up the next.

Lot depends on your age and tolerance for risk.

You are not going to get any interest rates anywhere near inflation rate
and I think inflation is much higher than quoted. Government plays
games in trying to show inflation rate is low such as if price of beef
spikes then people will eat chicken so they say inflation in meat prices
did not go up.


Yet another right wing myth. At least that one won't create an insurrection.

On 4/18/2021 2:06 PM, trader_4 wrote:
On Friday, April 16, 2021 at 12:06:42 PM UTC-4, Frank wrote:
On 4/16/2021 11:37 AM, Dean Hoffman wrote:
On Friday, April 16, 2021 at 9:11:45 AM UTC-5, AK wrote:
Is there any relatively safe investment that makes a better rate than a CD?

I am getting .4 %.

I don't think that is even better than the inflation rate.

Thanks.
I checked the inflation rate a few days ago. One source put it at 1.6%. It's been years
since I had money in the old government bond. EE?
You might want to look at balanced index funds. I've had some of my money in one of Vanguard's but
that particular one is closed to new investors. It has 60% of the money in stocks, 40% in bonds.
An article here about others.
https://investedwallet.com/best-vanguard-index-funds/
Consumer Reports years ago claimed it's better to get an index fund that just tracks a group of
stocks and/or bonds. Doing that cuts out the hot shot stock picker who might make a fortune one
year then go tits up the next.

Lot depends on your age and tolerance for risk.

You are not going to get any interest rates anywhere near inflation rate
and I think inflation is much higher than quoted. Government plays
games in trying to show inflation rate is low such as if price of beef
spikes then people will eat chicken so they say inflation in meat prices
did not go up.

Yet another right wing myth. At least that one won't create an insurrection.


Speaking of insurrections, looks like the democrat's eldest poster-girl has been busy trying to start a civil war.

https://populist.press/national-guar...more-violence/

A white conservative would be impeached for that ****.

On Sun, 18 Apr 2021 11:06:29 -0700 (PDT), trader_4
wrote:

On Friday, April 16, 2021 at 12:06:42 PM UTC-4, Frank wrote:
On 4/16/2021 11:37 AM, Dean Hoffman wrote:
On Friday, April 16, 2021 at 9:11:45 AM UTC-5, AK wrote:
Is there any relatively safe investment that makes a better rate than a CD?

I am getting .4 %.

I don't think that is even better than the inflation rate.

Thanks.

I checked the inflation rate a few days ago. One source put it at 1.6%. It's been years
since I had money in the old government bond. EE?
You might want to look at balanced index funds. I've had some of my money in one of Vanguard's but
that particular one is closed to new investors. It has 60% of the money in stocks, 40% in bonds.
An article here about others.
https://investedwallet.com/best-vanguard-index-funds/
Consumer Reports years ago claimed it's better to get an index fund that just tracks a group of
stocks and/or bonds. Doing that cuts out the hot shot stock picker who might make a fortune one
year then go tits up the next.

Lot depends on your age and tolerance for risk.

You are not going to get any interest rates anywhere near inflation rate
and I think inflation is much higher than quoted. Government plays
games in trying to show inflation rate is low such as if price of beef
spikes then people will eat chicken so they say inflation in meat prices
did not go up.


Yet another right wing myth. At least that one won't create an insurrection.


Do you really think inflation is as low as the government says it is?
They underplay it for political reasons and also so they can justify
paying such low rates on federal paper. When you owe almost $30
TRILLION a half a point on your interest racks up cost pretty fast.

writes:
On Sun, 18 Apr 2021 11:06:29 -0700 (PDT), trader_4
wrote:

On Friday, April 16, 2021 at 12:06:42 PM UTC-4, Frank wrote:
On 4/16/2021 11:37 AM, Dean Hoffman wrote:
On Friday, April 16, 2021 at 9:11:45 AM UTC-5, AK wrote:
Is there any relatively safe investment that makes a better rate than a CD?

I am getting .4 %.

I don't think that is even better than the inflation rate.

Thanks.

I checked the inflation rate a few days ago. One source put it at 1.6%. It's been years
since I had money in the old government bond. EE?
You might want to look at balanced index funds. I've had some of my money in one of Vanguard's but
that particular one is closed to new investors. It has 60% of the money in stocks, 40% in bonds.
An article here about others.
https://investedwallet.com/best-vanguard-index-funds/
Consumer Reports years ago claimed it's better to get an index fund that just tracks a group of
stocks and/or bonds. Doing that cuts out the hot shot stock picker who might make a fortune one
year then go tits up the next.

Lot depends on your age and tolerance for risk.

You are not going to get any interest rates anywhere near inflation rate
and I think inflation is much higher than quoted. Government plays
games in trying to show inflation rate is low such as if price of beef
spikes then people will eat chicken so they say inflation in meat prices
did not go up.


Yet another right wing myth. At least that one won't create an insurrection.


Do you really think inflation is as low as the government says it is?

Do you have any evidence that it is not?

On Fri, 16 Apr 2021 07:11:41 -0700 (PDT), AK posted for all of us to digest...


Is there any relatively safe investment that makes a better rate than a CD?

I am getting .4 %.

I don't think that is even better than the inflation rate.

Thanks.

You might think about getting a financial advisor. I have one and he is not
only my money guy but also my goto guy. If I have a problem I call him and he
handles it or gives me advice.

I recall there was an earlier discussion IRT this topic.

The inflation rate is higher than being touted. Look at gasoline, lumber, food.
Utilities are petitioning for rate increases.

--
Tekkie

In Tekkie© writes:
[snip]

The inflation rate is higher than being touted. Look at gasoline,
lumber, food.

Lumber is... horrendously higher than a year ago. Per a friend's
post a basic 4 by 8 plywood sheet went from $40 last year
to $80 now.

(I can confirm the current price).

But... if the Feds want to pull a rabbit out of their hat
and really make the Consumer Price Indenx (CPI) inflation
number look teensy, or even _negative_, what they should
do is...

.... is... put "dime bags" of heroin in it.

These are the same, or even _lower_ in price today
than they were three decades of The War On Drugs ago.

(Called "dime bags" because they go for a ten spot).

In fact, if you adjust for the potency, you get more
bang for the, umm, buck today.

The other scary part is that there's probably a lot more
heroin in consumer "market baskets" than many of the
official items...




--
__________________________________________________ ___
Knowledge may be power, but communications is the key

[to foil spammers, my address has been double rot-13 encoded]

On Sat, 17 Apr 2021 01:26:51 +0000 (UTC), danny burstein posted for all of us
to digest...


In Tekkie© writes:
[snip]

The inflation rate is higher than being touted. Look at gasoline,
lumber, food.

Lumber is... horrendously higher than a year ago. Per a friend's
post a basic 4 by 8 plywood sheet went from $40 last year
to $80 now.

(I can confirm the current price).

But... if the Feds want to pull a rabbit out of their hat
and really make the Consumer Price Indenx (CPI) inflation
number look teensy, or even _negative_, what they should
do is...

... is... put "dime bags" of heroin in it.

These are the same, or even _lower_ in price today
than they were three decades of The War On Drugs ago.

(Called "dime bags" because they go for a ten spot).

In fact, if you adjust for the potency, you get more
bang for the, umm, buck today.

The other scary part is that there's probably a lot more
heroin in consumer "market baskets" than many of the
official items...

Don't forget the Fentanyl by China both through Mexico.

--
Tekkie

On Fri, 16 Apr 2021 07:11:41 -0700 (PDT), AK
wrote:

Is there any relatively safe investment that makes a better rate than a CD?

I am getting .4 %.

I don't think that is even better than the inflation rate.

Thanks.
Buy a dividend paying stock. XOM is returning an 8.4% yield with a
pretty good up side potential on the price. People are not going to
stop buying oil any time soon.

writes:
On Fri, 16 Apr 2021 07:11:41 -0700 (PDT), AK
wrote:

Is there any relatively safe investment that makes a better rate than a CD?

I am getting .4 %.

I don't think that is even better than the inflation rate.

Thanks.
Buy a dividend paying stock. XOM is returning an 8.4% yield with a
pretty good up side potential on the price. People are not going to
stop buying oil any time soon.

Have you actually read their (Exxon Mobile) annual report? Have you followed the
production curves on EIA? https://www.eia.gov/

"Scott Lurndal" wrote in message
...
writes:
On Fri, 16 Apr 2021 07:11:41 -0700 (PDT), AK
wrote:

Is there any relatively safe investment that makes a better rate than a
CD?

I am getting .4 %.

I don't think that is even better than the inflation rate.

Thanks.
Buy a dividend paying stock. XOM is returning an 8.4% yield with a
pretty good up side potential on the price. People are not going to
stop buying oil any time soon.

Have you actually read their (Exxon Mobile) annual report?

Have you followed the production curves on EIA? https://www.eia.gov/

Irrelevant to the prospects of a much better return than CDs.

On Sat, 17 Apr 2021 07:08:04 +1000, cantankerous trolling geezer Rodent
Speed, the auto-contradicting senile sociopath, blabbered, again:

FLUSH the trolling senile asshole's latest troll**** unread

--
Norman Wells addressing trolling senile Rodent:
"Ah, the voice of scum speaks."
MID:

On Fri, 16 Apr 2021 20:34:16 GMT, (Scott Lurndal)
wrote:

writes:
On Fri, 16 Apr 2021 07:11:41 -0700 (PDT), AK
wrote:

Is there any relatively safe investment that makes a better rate than a CD?

I am getting .4 %.

I don't think that is even better than the inflation rate.

Thanks.
Buy a dividend paying stock. XOM is returning an 8.4% yield with a
pretty good up side potential on the price. People are not going to
stop buying oil any time soon.

Have you actually read their (Exxon Mobile) annual report? Have you followed the
production curves on EIA? https://www.eia.gov/

I just cash the dividend checks and watch the price go up. When it
starts going the other way I will think about dumping it.
I wouldn't have it as the only egg in my basket but it is not a bad
oil play so far.
In the mean time, throw the OP a bone on another stock with a decent
yield.

writes:
On Fri, 16 Apr 2021 20:34:16 GMT, (Scott Lurndal)
wrote:

writes:
On Fri, 16 Apr 2021 07:11:41 -0700 (PDT), AK
wrote:

Is there any relatively safe investment that makes a better rate than a CD?

I am getting .4 %.

I don't think that is even better than the inflation rate.

Thanks.
Buy a dividend paying stock. XOM is returning an 8.4% yield with a
pretty good up side potential on the price. People are not going to
stop buying oil any time soon.

Have you actually read their (Exxon Mobile) annual report? Have you followed the
production curves on EIA? https://www.eia.gov/

I just cash the dividend checks and watch the price go up. When it
starts going the other way I will think about dumping it.
I wouldn't have it as the only egg in my basket but it is not a bad
oil play so far.
In the mean time, throw the OP a bone on another stock with a decent
yield.

PEP
TD
T

On Sat, 17 Apr 2021 00:22:30 GMT, (Scott Lurndal)
wrote:

writes:
On Fri, 16 Apr 2021 20:34:16 GMT, (Scott Lurndal)
wrote:

writes:
On Fri, 16 Apr 2021 07:11:41 -0700 (PDT), AK
wrote:

Is there any relatively safe investment that makes a better rate than a CD?

I am getting .4 %.

I don't think that is even better than the inflation rate.

Thanks.
Buy a dividend paying stock. XOM is returning an 8.4% yield with a
pretty good up side potential on the price. People are not going to
stop buying oil any time soon.

Have you actually read their (Exxon Mobile) annual report? Have you followed the
production curves on EIA? https://www.eia.gov/

I just cash the dividend checks and watch the price go up. When it
starts going the other way I will think about dumping it.
I wouldn't have it as the only egg in my basket but it is not a bad
oil play so far.
In the mean time, throw the OP a bone on another stock with a decent
yield.

PEP
TD
T

See that was useful although I am not sure AT&T is all that wonderful
but you can't go wrong selling Americans sugar water. The yields are
still in the 2s.

On 4/16/21 4:00 PM, wrote:
On Fri, 16 Apr 2021 07:11:41 -0700 (PDT), AK
wrote:

Is there any relatively safe investment that makes a better rate than a CD?

I am getting .4 %.

I don't think that is even better than the inflation rate.

Thanks.
Buy a dividend paying stock. XOM is returning an 8.4% yield with a
pretty good up side potential on the price. People are not going to
stop buying oil any time soon.

Best strategy is to diversity your retirement funds: Some in the
stocks/mutual funds, some in bonds, some in FDIC-insured cash account.

Best case is you have enough cash to weather the market going into the
crapper for an extended time and bonds going upside down.

I'm working on convincing my wife we should move some out retirement
funds into tangible assets- Porsche 911 Carrera, top-of-the-line F-150
4WD, 42 foot ketch, matched pair of engraved English shotguns.

--
Why is it that the people who want more government control over your
life are the same ones who want you to be disarmed?

On Friday, April 16, 2021 at 5:11:36 PM UTC-5, Wade Garrett wrote:
On 4/16/21 4:00 PM, wrote:
On Fri, 16 Apr 2021 07:11:41 -0700 (PDT), AK
wrote:

Is there any relatively safe investment that makes a better rate than a CD?

I am getting .4 %.

I don't think that is even better than the inflation rate.

Thanks.
Buy a dividend paying stock. XOM is returning an 8.4% yield with a
pretty good up side potential on the price. People are not going to
stop buying oil any time soon.

Best strategy is to diversity your retirement funds: Some in the
stocks/mutual funds, some in bonds, some in FDIC-insured cash account.

Best case is you have enough cash to weather the market going into the
crapper for an extended time and bonds going upside down.

I'm working on convincing my wife we should move some out retirement
funds into tangible assets- Porsche 911 Carrera, top-of-the-line F-150
4WD, 42 foot ketch, matched pair of engraved English shotguns.

Add this to your list.
https://www.harley-davidson.com/us/en/motorcycles/cvo-tri-glide.html
https://hiconsumption.com/best-motorcycle-roads-in-america/

--
Why is it that the people who want more government control over your
life are the same ones who want you to be disarmed?

On Fri, 16 Apr 2021 18:11:30 -0400, Wade Garrett
wrote:

On 4/16/21 4:00 PM, wrote:
On Fri, 16 Apr 2021 07:11:41 -0700 (PDT), AK
wrote:

Is there any relatively safe investment that makes a better rate than a CD?

I am getting .4 %.

I don't think that is even better than the inflation rate.

Thanks.
Buy a dividend paying stock. XOM is returning an 8.4% yield with a
pretty good up side potential on the price. People are not going to
stop buying oil any time soon.

Best strategy is to diversity your retirement funds: Some in the
stocks/mutual funds, some in bonds, some in FDIC-insured cash account.

Best case is you have enough cash to weather the market going into the
crapper for an extended time and bonds going upside down.

I'm working on convincing my wife we should move some out retirement
funds into tangible assets- Porsche 911 Carrera, top-of-the-line F-150
4WD, 42 foot ketch, matched pair of engraved English shotguns.

The shotguns are probably the only ones you are not going to lose a
lot of money on.

On 2021-04-16 at 08:11:41 MDT, "AK" wrote:

Is there any relatively safe investment that makes a better rate than a CD?

I am getting .4 %.

Depending on the term, that's a very good rate. US Treasury yields aren't
competitive with that until you get to 3 years or more.

https://www.treasurydirect.gov/instit/instit.htm

I don't think that is even better than the inflation rate.

CPI has been 2.6% for the past 12 months.


https://www.bls.gov/opub/ted/2021/consumer-prices-increase-2-6-percent-for-the-12-months-ending-march-2021.htm


Most CDs and other low-risk investments have provided very low returns, often
at or below the inflation rate, since the 2008 financial crisis. It's called
"financial repression".

If you want a low-risk inflation hedge, the simplest and best is (IMHO) the I
Series Savings Bond, although it provides only partial protection from
inflation.


https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iratesandterms.htm

If you are willing to take on risk to get a higher yield, you might consider a
dividend stock mutual fund. For example, Vanguard's Equity Income Fund is
currently yielding 2.4%.

https://investor.vanguard.com/mutual-funds/profile/VEIPX

But be aware that the stock market has been *very* "exuberant" for the past
year, and many stock market analysts are nervous €” even more nervous than
usual.

On 4/16/21 10:11 AM, AK wrote:
Is there any relatively safe investment that makes a better rate than a CD?

I am getting .4 %.

I don't think that is even better than the inflation rate.

Thanks.


https://www.amazon.com/Little-Book-C.../dp/1119404509