Risk Free System

BiterChloe asked:


I’m looking to invest about $5000 for 12 months. What investments have the greatest advantages right now? I heard municipal bonds may be a good idea? What should I consider in looking at investment options?

I’m open to stocks, bonds, cds, money markets…anything that is not too high risk and has a good return at the moment.

Thank you!

Tatyana

Dan asked:


I am looking to invest appoximately $500-$650 per month in a relatively low risk investment as I will need the total sum or money in approximately 12 months. Is it best to go with a $650 12 month CD, then a $650 11 month CD, etc. or just dump all the money into an online savings account or MMA, or is there some other investment vehicle (Mutual Fund, ETF, etc.) that would better suit this need. I am looking for the highest return (with low risk of losing principal) for this 12 month term. Thanks in advance for you help!

Rylie