Can You Make Money In This Market?

This market is truly full of ups and downs. If you need to make
money it’s not worth it to put all your eggs in this basket. If you think you
can do better by investing in stocks you might want to think again. Today the
returns on investments like certificates of deposit might even be higher if you
factor in all the costs of investing plus possible losses. The question is can you afford to have money in the market if the market goes down significantly? It’s very likely that we could
see another market crash similar to the one we saw a few years ago.

In terms of regulation and bank stability nothing has really
changed. Banks have just as much incentive to take risks with their assets as
they ever have. If you think your money is safe in the market, you should know
that the banks are using the market as their private casino. The individual
investor really doesn’t stand a chance against their fire power.

So what is a small investor to do? Where do you invest today, especially if you only want to invest with small amounts of cash?  First, learn as much as you can about your investment options today. Try investing a larger portion of your portfolio on safer investments, or hold cash to take advantage of a future drop in prices.  Today you might consider
putting your money in something that will earn interest. One of the safest
investments remains treasury bills. Today you can earn upwards of 3.5% or 4%  on a
30 year T-bill. Even know that sounds like a small amount the fact is you would
have a hard time duplicating that in today’s stock market.

You don’t have to invest directly in Treasury bills either in order to benefit. You can purchase ETFs that allow you to invest in treasuries without holding the actual mail. It’s
easy option which allows you to buy and sell your shares on the market just like a stock. Here are some ideas for investing in ETFs.

Just remember that your earnings are taxable as federal income
just like any other investment. This may reduce the overall value of your
investment, but the fact is your going to have the same issue with any other
stock investments.