The best ways to invest $5,000 now

You need to ask the right questions before you can select the right investment for your hard-earned money.

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Jun 13, 2014 9:18PM
The advice is the same as last time they ran this article.  Buy Guns, Ammo and Specie.
Jun 14, 2014 10:35AM
Are you having this conversation with your 16 year old kid? I mean, really.
Jun 14, 2014 12:20AM
They left out the only one that is safe: Keep it to yourself and out of Wall Streets hands and other lying stealing people,ie banks and the tax man!!
Jun 13, 2014 5:25PM

I would invest it in a scientific study.   My hypothesis would be somelhing like this.  My body can change substance A into substance B.  Then I would proceed with the study by buying food, a little at a time.  I would then eat the food and wait for a day.  If my body changed the food into a turd, I would proclaim my study to be successful and I might even write a book about the outcome.

Jun 13, 2014 6:30PM
If I was beginning investing with $5000 - and this would be money beyond setting up an emergency fund and buying a home - which will save hundreds of thousands over a lifetime compared to renting in most locales -  I'd invest as follows:

1) May need it within the next year or two: 2% 5-year Credit Union CDs.  Even if you have to cash it in within 6 months, the typical 3-month interest penalty means you're still getting 1% interest.  NO Banks!  Pick a large one with a lot of branches.  They often have 70,000 free nationwide ATMs, no debit card swipe fees, no or low overdraft fees, and pay much better interest than banks.

2) May need it in 5 years: an S&P 500 Index Fund.

3) Won't need it for 10 years:
a) If you no nothing about stocks: an S&P 500 Index Fund.
b) If you've studied fundamental investing: Blue Chip, no-purchase-fee stock DRIPS like Exxon, Procter & Gamble, General Mills, Abbott Labs, and Cracker Barrel Old Country Store.
c) If you're studied technical investing: forget it and put it back in the Credit Union or Index Fund.

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