Beull8)Top 10 Best Investment Strategies

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1: High-yield savings accounts

While not technically an investment, savings accounts offer a modest return on your money. You’ll find the highest-yielding options by searching online, and you can get a bit more yield if you’re willing to check out the rate tables and shop around.

Why invest: A high-yield savings account is completely safe in the sense that you’ll never lose money. Most accounts are government-insured up to $250,000 per account type per bank, so you’ll be compensated even if the financial institution fails.

2: Corporate Bond Funds

A corporate bond is a type of debt security that’s sold to investors and the second on our list of the best short-term investments. Large companies issue them to raise money for any number of purposes.

You might be asking yourself, “What’s the difference between a corporate bond and a corporate stock?” A stock is a share of the company that gives the investor a small degree of ownership. The investor receives dividends on the stock, and the stock may experience a rise or fall in value depending upon the company’s success.

3: Government Bond Funds

A government bond is similar to a corporate bond, but it’s issued by the government rather than a corporation. Like a corporate bond, a government bond is considered a low-risk investment. In fact, government bonds issued by the U.S. Treasury are considered to be some of the safest bonds in the world and among the best short-term investments.

Because of their low risk, government bonds typically pay low-interest rates. However, they’re optimal because they’re exempt from state and local taxes (bonds from foreign governments are not), and you can even find government bonds that pay interest periodically rather than at the maturity date.

4: Treasury Securities

We mentioned treasury bonds in the last section, but two other types of treasury securities are equally safe and desirable. The differences lie mostly in the range of maturities.

The T-Bill has the shortest maturity range of all the treasury securities. Typically, treasury bills have terms of 4 weeks, 8 weeks, 13 weeks, 26 weeks, or 52 weeks.

T-Notes have maturity terms that range from 2 to 10 years. These securities pay interest semiannually.

T-Bills and T-Notes are arguably the best treasury securities for short-term investing. But you can couple those investments with longer-term treasury bonds and earn short-term, medium-term, and long-term profits.

5: Money Market Accounts

A money market account is a type of bank account that is basically a hybrid between a checking account and a savings account. Unlike a regular savings account, a money market account typically allows you to write checks and use a debit card, and it also offers higher interest. Government regulations limit you to six withdrawals per month.

You might consider opening a money market account if you want to enjoy the flexibility of a checking account with the higher interest of a high-yield savings account. It could also be an optimal bank account if you’re a retiree—you could deposit your retirement funds in the account and use it to pay some bills.

6: Certificates of Deposit

A certificate of deposit (CD) is an account in which you deposit a large sum of money and leave it untouched for an extended period. In return, you’ll earn a premium interest rate. However, you’ll be charged a penalty for early withdrawal.

The best CD interest rates are much higher than any savings or money market account. It might be a good option for you if you’re saving for an extended period—maybe you’re saving for a down payment on a home, a new car, or a trip around the world. If your money is going to sit in the bank for a long time, you might as well get as much interest as possible and boost your earnings.

7: Cash Management Accounts

A cash management account is an account that’s offered by an institution other than a bank or credit union. They’re mostly issued by brokerage firms.

Most cash management accounts are similar to the standard checking account: they come with a debit card, a checkbook, and online bill payment services. And they usually offer higher interest than the standard checking account.

8: Peer-to-Peer Lending

Peer-to-peer lending is when an individual takes a loan from another individual—no middleman is involved. P2P lending is also known as “social lending” and “crowdlending,” and it’s a relatively new type of investment opportunity that’s only existed (in a formal capacity) since 2005. Many websites facilitate P2P lending.

You’ll open an account with a P2P lending site and deposit a sum of money that’ll be used in your loans. Loan applicants create their own profiles and will get matched up with you. Most P2P lending sites are fairly good at assigning some kind of “risk rating” to an applicant that can help you determine which loans are best for you to grant.

9: Roth IRA

A Roth IRA is a type of individual retirement account (IRA) that’s used to hold retirement funds. With a traditional IRA, your contributions are tax-deductible, but you’ll pay taxes when you start making withdrawals. A Roth IRA is the opposite: you pay taxes on your contributions, but your withdrawals are tax-free.

A Roth IRA is generally considered a better retirement account than a traditional IRA. Sure, you’ll have to pay more taxes with each contribution. But when you finally reach retirement age, you won’t have to pay anything on your withdrawals. It could lessen your financial burden during retirement.

10: Rewards Checking Accounts

Not all checking accounts are made the same. Some of the lucrative checking accounts you’ll find include:

Interest-Bearing Checking Accounts: The traditional model for owners of checking and savings account is currently to hold enough funds to cover bills in checking, and then transfer the rest into a savings account to earn bank interest. However, you can access higher interest earnings by transitioning to a high-yield checking account instead. These typically have a high minimum balance requirement, but they generate high interest.

Premium Accounts: Premium checking accounts also require a high minimum balance, but they’ll typically offer some worthwhile services (financial advice or discounts) or rewards points you can redeem for products and services. Some of these discounts and rewards can save you lots of money. And saving is earning, isn’t it?

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