What's the smartest way to make money/ invest if you have over $10,000 saved?

Give it to me I'll take care of it!!

If you forsee that you'll need to use it in the near future, then save it with the bank.
If you intend to save this for good; perhaps for your retirement, then buy an asset like a small working interest (rights to produce crude oil). It can preserve your capital as well as provide an ongoing income stream for many years to come.

There is no one smartest way.

If you have 10-15 year time frame, stock mutual funds could be an option.

Traditionally mutual funds have returned around 10% pa for the last 20 years!

I think shares of RIO and BHP is the way to go...in that way you can access your money whenever you want!!!( in emergency )

If you wait for year or so... i would guess you can get good return..there is risk involved..

returns and risk never go together!!!

Depends on your age and how long it will before you will need the money.... Assumming it is long term before you need the money I would go with something like this:

With $10,000.00

With $3,000.00 I would open up an online savings account at http://www.ingdirect.com ... I would use this account as an emergency account incase you needed the money down the road that way you would not have too tap your investments for moeny...beside in doing so in opening an account here you get a bonus of $25.00

I would then open up and account at http://www.sharebuilder.com
I would put another $3,000.00 into this account and use it too buy stocks and etf's....in doing so you get another bonus of $25.00

With the remaining $4,000.00 I would open up and account at http://www.edwardjones.com I would open up a Roth IRA...choose American Funds....They are pretty resonable funds and it only takes $250.00 as a minium too invest in them


If this were too be for short-term I would try something like this considering you would want your money at a reasonably short time:

I would still open up a savings account at http://www.ingdirect.com ... like before i would create an emergency account with $4000.00 .... I would also take another $3,000.00 and buy Cd's *they can be purchased at ING as well too* I would buy 3 Cd's each of $1,000.00 a 6 month, a 9 month and a 12 month ... if you have the time i would rotate them by investing the one that matures earlierst into a 12 month ect ...laddering them ....

and then with the last $3000.00 I would go to http://www.savingsbonds.gov and buy savings bonds in both I and EE serries....

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Andy

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