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Well 5% is pretty good, the problem it is in a CD, you could easily put that money in say an ING savings account and get far better liquidity.
Added to that the 6.4% isn't all that bad.
There are ETFs and such I could recommend, but the problem is the market is so volatile that staying in cash and more conservative investment is by all means a very smart way to go. Keep the returns guaranteed as can be and the risk minimal.
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Blain Reinkensmeyer
Elite staff member, stocktradingtogo.com
Community manager, covestor.com.
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