What is the best and least risky short term investments?

unfortunitly i have gone through a break up and our once 2 income home is now a 1 income home... however... my 1 income is not going to make the bills very easily and to save myself from falling short on my bills and messing up my credit i am going to sell my home... i do have about 50K in equity in the house but i expect to not be able to get full price but lets say, i end up with 30K at the end of the day... i plan on renting a home till the market is better but want to invest my profit till i buy again do you have any suggestions for low risk short term investments???

seems one or two people misunderstood... i am not yet over my head.. i have a couple of months of savings and should be fine but it is a home that i just can't afford anymore... on my wages alone...

Consider the Vanguard Prime Money Market Fund with a current yield of 5.05% and an APY of 5.19%:
https://flagship.vanguard.com/VGApp/hnw/...
Sometimes other institutions will have a higher teaser rate, but Vanguard tends to have the highest yields I've found over the long run. (Vanguard money markets are not FDIC insured, however.)

Article on teaser rates:
http://www.marketwatch.com/news/story/ba...

ING and HSBC often have rates close to Vanguard, and they usually are FDIC insured. You can check these at the following links:
http://home.ingdirect.com/
http://www.us.hsbc.com/1/2/3/personal/sa...

I hope you find these sites useful.

CD

Get a savings account from ING. I think they call it an Orange account.

No risk adn it pay very good for a savings account.

You can also look into money market accounts.

A ( C D ) all the way. That is what I have been buying lately. Money market account are down right now. So are regular savings.

For the purpose you are looking into, i would definitely put the money into a money market account. This should return about 4-4.5% interest.

A good company to look at is ING direct. It is an internet bank with great rates and a great reputation.

every investment has a risk, but you can try investing small amounts into good stocks and see where that takes you. Plus with stocks you can usually pull you money out at anytime.

You are willing to take a $20k loss? Why not rent out your basement as an appartment to help pay your bills?

If you want to go really low risk, you might consider just opening an Orange account from ING. It pays 4.25% interest with no risk. If you want to tie it up for 12 months in a CD, you can get 5.25% on a 12 month CD at ING.

Website: ingdirect.com

Very low risk = Money market or CD
Slightly higher = mutual fund (can be better dividends)
The good thing is if it's your primary residence and you've been there more than 2 years the profit is tax free.

A goldfish.

Renting a home 'till the market is better don't seem to make much sense, since the price of houses are now at a all-time low. If you wait the prices might go up again. I would not sell a fixed asset to pay bills. This is risky. I probably would declare bankruptcy.

Low-Risk Stock Funds
Bonds and Bond Funds
Loan-Participation Funds
short-term bonds or money-market funds 鈥?the least risky of all investments.

I think it is the stock market because you can your investments if your not careful but if you invest in stocks your more likely to save more money.

I say at this point your best investment is that house. It will gain more for you in that time period with less risk than anything else. Rent the house and let someone else make those mortgage payments, move into a smaller rental and cut back. That way you retain the credit benefit of being a homeowner (75% of the rent is counted towards your personal income), benefit from the tax breaks, retain the equity and the future equity of the property. The market may fluctuate but over time your property is only going to appreciate.
I am hoping that someone comes in after me and gives a really good low risk short term investment though!