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Would it be better to invest my 10,000 dollars into a mutual fund or a stock?


Would it be better to invest my 10,000 dollars into a mutual fund or a stock?

Mutual fund if you want safe investment and stock if you are a risk taker

If you'r in the know-how go for stock...
Otherwise play safe and go to a good mutual fund.

The best way to invest is long-term. Go with a mutual fund, they've had a 30 year track record of an average of 12.24% interest growth.

I'd go with mutual funding because in stock you have to worry about it going up or going down.

It depends on how long you want to invest and what kind of return you expect for your money look into I bonds and also stocks that have a long history of growth earnings

Most likely the mutual fund. You have a huge variety of fund types to choose from, however. Go on the Yahoo! Finance Mutual Fund site and investigate which fund is best for your goals and risk tolerance.

with the stock market being what it is today, the mutual fund would be the way to go. With the interest rates the way thy are I would suggest a CD for 6 to 7 months and then re-invest the interest back into the CD every month.

You can even take $5,000 and put it in a 6 mo and the other $5,000 and put it in a 7 mo CD.

Stay away from the stock market for now.

If you want to keep an eye on your stock and manage the money yourself, stocks can (if you do you homework and keep up with news concerning your stock) provide higher yields than mutual funds.

Mutual funds, however, have the advantage that it's someone else's job to look at how the market is doing, move the money around, keep on top of the news, and so on. If you want to invest the money and not manage it personally on a day-to-day basis, mutual funds may suit you better.

It boils down to stocks direct: more risk, more potential profit, mor potential loss; mutual funds: less risk, less potential profit.

Another alternative is certificates of deposit; these yield less profit, and are less liquid (your money's tied up for three months, or six months at a time), but they're generally FDIC insured: you are NOT going to take a loss on them, no matter what the market does.

I would put half in one and half other.

As far as CD's go I would suggest one's longer than 3month because the Fed just raised short term rates and will probably do so again, so short term rates are still climbing. so you don't want to lock in at a rate that will soon be lower than the going rate.

As far as stock or mutual funds my suggestion would be stock. You will learn more, have more fun, and probably make more money.

With $10,000 I would buy about 5 stocks, fairly evenly proportioned. 3 of them being diversified long term growth, that I would not have the intention of sell within year or two (consider an ETF for one of these 3). Then the other two I would buy for shorter term investments, just to play with. Maybe plan on turning them over between a few weeks to a few months depending on how they act.

mutual fund

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