Popular Post Konebhar6 Posted January 30 Popular Post Report Posted January 30 1 hour ago, prince143 said: Lets say you want to park certain amount(assume its emergency fund) with a decent return but low risk and easy accessible. The things I know: 1) CD 2) High yield savings account 3) SPY(I don't think its safe now based on current valuations) Any other ways? Earnest replies only please CD should be ruled out. If you withdraw before the maturity date, you have to pay penalty. Not the right choice for an emergency fund. Also on maturity, if you do not move money into your savings within 10 days, they automatically enroll for another 1 yr and this time they give 0.0001% interest. It is a kinda scam all banks are doing. BEWARE. Robinhood and CIT Bank give around 4.5% interest - your safest bet. If you want to make more - 6.6-8% look at high-yield bonds. There is some risk but bond prices seem to have found the bottom. Use the Yahoo screener to find the right bonds with yields. Buy Income funds like GOF, PDI that give 14+% monthly dividends. Again there is some risk, but yield is good. 1 2 Quote
Barney_Stinson Posted January 30 Report Posted January 30 safe CD lil better high yield - RH vadu max iste couple months istadu also he will depost some % money but will take back once you with draw pre term, personally i dont trust RH risky/may be rwarding - crypto like BTC or other trustable chains index/etfunds - baane unnatu unati kani sudi unte ne avi mana paisal ledante ash lo pour chesina panneru other options: some tangible property or just park your cash and only invest when you feel like or invest in reliable stocks that you trust for longer term returns - patience is key but nothing is guaranteed ways to loose: gamble trading options w/o experience buying stocks that you dont know having a financial manager manage your funds for you buying meme cryptos friends/relatives ki appu ivadam peer pressure feel ai avasaram lekapoina things kondam luxury cars just for no reason inka chala unnai ... 1 Quote
FrustratedVuncle Posted January 30 Report Posted January 30 30 minutes ago, Dale said: correct. but every two months if you make new deposit it will be 4.5% constantly vadu 15k, 25k kavali antadu. 0.5% increase kosam. Edanundi vastai anna anthaganam paisal Quote
Dale Posted January 30 Report Posted January 30 2 hours ago, FrustratedVuncle said: vadu 15k, 25k kavali antadu. 0.5% increase kosam. Edanundi vastai anna anthaganam paisal withdraw and deposit again. Quote
Chittoorodu Posted January 30 Report Posted January 30 If Emergency funds - HYSA - SGOV - Treasury bonds Money that you can access in 24 hours 1 Quote
mustang302 Posted January 31 Report Posted January 31 Voo s&p500 etf Roth IRA qqq index no fomo crypto Life set. Quote
mustang302 Posted January 31 Report Posted January 31 14 minutes ago, guntoor_rathaiah said: put all my savings in crypto Vuncle wt crypto u holding..? I got xrp, btc, sol, shibu. HODL Quote
Bulls_Rose Posted January 31 Report Posted January 31 Current scenario lo 25k emergency savings tho enni months survive avchu? Job peekithe Quote
pinnigaaru Posted January 31 Report Posted January 31 8 hours ago, baabaa said: Pretty much anthe anna. I also invested in govt bonds but the % rate is very less. My majority is in SPY/VOO/QQQ. Real Estate is not very liquid. Bought with telugu group investors in austin during covid but that land is stuck and money is stuck. India lo emo unless father or own brother undi active ga take care cheste ok or else namma lemu. Austin or suburbs lo ekkada baa...planning to buy with friends in Burnet area Quote
baabaa Posted January 31 Report Posted January 31 11 minutes ago, pinnigaaru said: Austin or suburbs lo ekkada baa...planning to buy with friends in Burnet area Liberty Hills. waste anna, I will suggest dont invest in austin. Two more projects had to sell for 85 cents on a $1. My friend invested 100K and got only 85K back but atleast his land was sold. Quote
saahasam Posted January 31 Report Posted January 31 You can save in Fidelity brokerage account and all the uninvested cash will be stored in money market fund. Currently the yield is 4.2% Quote
Joker_007 Posted January 31 Report Posted January 31 12 hours ago, anna_gari_maata said: crypto Kaka adgindi save cheyyadaniki.. Not to get Shaved... Quote
Joker_007 Posted January 31 Report Posted January 31 11 hours ago, baabaa said: Pretty much anthe anna. I also invested in govt bonds but the % rate is very less. My majority is in SPY/VOO/QQQ. Real Estate is not very liquid. Bought with telugu group investors in austin during covid but that land is stuck and money is stuck. India lo emo unless father or own brother undi active ga take care cheste ok or else namma lemu. This is more riskier than Crypto and Shares kaka... Parents in India became communists now... if the returns are high they do not share .... but in losses they ask more money from you... Quote
raccharambola Posted January 31 Report Posted January 31 continue cheyyandi ee topic. Intresting to know Quote
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