Which fund or funds would you stash $15K in? Please help me decide by giving your opinion?

I wanted to make the best financial decision so my money could keep rolling over. If you were me, which fund or funds would you invest $15K in and how much $$$ ?

I'm in my mid-30s & I don't really need to spend this money what-so-ever because of my new financial stability. I DO NOT want a referral to a broker nor resourceful web links, etc. I鈥檓 just asking for your vote and why, so to speak. Thanks so much!!


FUND A 鈥?Taxable Money Market with 3.98% return
(avg = 3.26%) & a $3000.00 min required
FUND B 鈥?Taxable Short Term Bond Fund with 4.90% return
(avg = 4.23%) & a $3000.00 min required
FUND C 鈥?Bank Money Market with 5.15% return
(avg = 0.75%) & a $1000.00 min required
FUND D - 6 Months CD with 4.06% return
(avg =2.48%) & a $10000.00 min required
FUND E 鈥?12 Moths CD with 3.06% return
(avg = 2.43) & a $500.00 min required
FUND F 鈥?5 Years CD with 4.25% return
(avg = 2.82) & a $1k min required

If you are only considering these options, then FUND C. For tax purposes, each of these are the same. All interest earned will be treated as taxable income, so you might as well get the highest return. It is surprising to find that FUND C would still be at 5.15% after the Fed cut rates down to 2.25%, but if you can get it great. The Fed can only go down so much more, so this fund should continue to yield more than the CD options.

I know you are only interested in the options above, but knowledge is power, so I am going to throw some other stuff out there. If you are in a high tax bracket, then you can look into putting this money in a municipal bond fund. You can still get around 3% return, and all earning from it are tax exempt. (This is how the really rich people avoid paying taxes on most of their money). If you want to actually put this money to work, (which would be a good idea considering how high inflation is running), then I would consider taking slightly more risk than putting it in a bank account. I understand that you might not want to risk your money in the stock market. You should look into social lending. It is a safe way to help others, while getting a good return on your investment. Here is the site that I use, https://secure.lendingclub.com/landing.a... . I only put money there that I also do not need to spend. It is a great way to get 2-3 times the return you would get on any of the options you listed above. Just something to think about.

This is an interesting question. I have thought about this before. I think that with regard to such a thing one must consider all the alternatives. Perhaps take a fresh look at the situation. Cast your mind out of the preconceived confines of normality and really think outside the box.

talk to unicef

visit dave ramsey.com for common sense approach to cash.

Fund C cause it has the highest yield and no locked-in period of time. As for myself, I wouldn't invest in fixed-income funds.

I'd do the taxable short term bond, just because you never know what the economy is gonna be doing in the next few years and the upcoming election will have a pretty serious impact on the future of the economy & american dollar.

If you're looking for something long term, why don't you invest in a good mutual fund, maybe one that's based around energy companies? Either that or a tax-free municipal bond for some long-term, slow growth... I'm not sure how the return is going to be at today's rates though.