Posted on May 26, 2015
CH (MAJ) William Beaver
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Anyone still buy Savings Bonds? Where's the best place to invest your money these days that has the lowest risk and highest reward?
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Responses: 13
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Index funds typically perform very well over the long term, with very low expense ratios. Good ones won't take too much of a hit in bear markets, and Vanguard is usually a safe bet. I also like ETFs and own stock in companies that I think have and will stand the test of time (i.e. Ford, Coca Cola, and Southwest as a bit of a wildcard).
Cpl Jeff N.
Cpl Jeff N.
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@ 1st Lt Matt A. I am getting too old for another bubble burst. The reality is likely that one will occur, hopefullyh not deep and widespread but it will happen.
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1SG Financial Advisor
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Matt, an index funds is exactly that, it follows an index. They have low expense ratios since they do not require as much management by the money managers. An S&P index fund (ie SPY) would be expected to mirror the index. In a bear market, it would not perform well, but historically has a greater return (as equities mostly do). A bond index fund (ie AGG) would mirror the aggregate bond index. It would be expect to perform better during a bear market (for equities). Bottom line, it all comes down to ones time horizon. Ask yourself, when do you plan on using these funds? Based on your apparent age (assuming you were thinking for retirement), you would want more equity's. Whether it's individual stocks, ETF's, mutual funds or a combination if them all. Go for it. If you like a specific quality company, buy it. If you like a certain niche market, buy it.
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1SG Financial Advisor
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Just a size note Jeff, munis would serve no purpose in a retirement account. Muni bonds are use for the tax-free benefit.
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MSgt John McGowan
MSgt John McGowan
8 y
Capt Matt A. Sir You are correct on Vanguard. I am not sure at this time I would gamble on high risk investments. I have what is considered safe stock and today's economy is a unknown.
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MAJ Robert (Bob) Petrarca
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The mattress. No interest earned but you won't lose it either.
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SGT Jeremiah B.
SGT Jeremiah B.
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Well, barring a robbery or a house fire. A friend of mine kept $50k hidden in his house. Alas, his ex-fiance robbed him blind in the process of becoming "ex."
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Capt Richard I P.
Capt Richard I P.
>1 y
MAJ Robert (Bob) Petrarca Inflation will eat away the value of fiat money at an outrageous speed. Not to mention the risks SGT Jeremiah B. pointed out.
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Capt Richard I P.
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Ammo.
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Speaking of quasi-precious metals, copper is likely to continue on the up and up
Capt Richard I P.
Capt Richard I P.
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Cpl Jeff N. I haven't actually looked into Israeli manufacture, seems worthwhile!
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SFC Mark Merino
SFC Mark Merino
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Capt Richard I P. and the school of infantry have said it best.
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SGT William Howell
SGT William Howell
9 y
I still have ammo I paid $6.00 a box for and 12 years later that same box of ammo is $14. I know there are some money wise guys on here and if any of them can double their investment in 12 years they would be all over it. Since I don't see the entitled liberalism going away any time soon I would say it is better than money in the bank.
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