Treasury Notes, Treasury Bills and Treasury Bonds To maintain good financial health, make sure you have a fully stocked emergency fund before investing extra cash that you may need in a pinch. That said, you may be willing to take on a little extra risk in exchange for higher rates of return from products that still offer great liquidity and ease of access. ![]() Unlike bank accounts, these products are not FDIC insured-you can still lose money. ![]() Keep in mind, however, that while these are low-risk investments, they aren’t no-risk investments. These seven investments can help boost your returns more quickly than the average savings account. Check out our list of seven low-risk investments to safely grow your money. Thankfully, it’s not impossible to earn higher returns without taking on too much additional risk. While the best high-yield savings accounts are offering rates that are higher than this, bank deposits won’t earn you very much in terms of interest. Banks may start increasing average percentage yields (APYs) soon, but right now the average savings accounts are still only paying about 0.06% APY. The Federal Reserve may have started raising interest rates, but the federal funds rate remains nearly as low as it goes historically at 0.25% to 0.50%. ![]() In case you haven’t noticed, interest rates are ultra low right now.
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