Lux Investing
Is this the right time to invest in a short term bond?
I have been looking at my investing options. I am currently enrolled in a 401K, have a money market account and finally contemplating opening a third account as a short term bond. T.Rowe offers short term bonds which make income but are low risk. Any suggestions???
Public Comments
- With the fall of the stock market, investors have been looking elsewhere. Most have fled to bonds, bidding up bond prices. This means prices are high and yields are low. It would be a bad time to invest in intermediate- to long-term bonds. Short-term bonds should be okay, as long as they are rated B, A , AA or AAA. You won't get much yield out of them, though. You have to be careful investing in bond funds like T Rowe Price. TRP is a good company, but many funds may have invested in some of the mortgage bonds that were the cause of tis whole mess to begin with. Tread with care. And watch out for Tina below. He/She could be touting his or her own fund which he/she owns. Could be a scam. Check carefully before you invest.
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- Bonds are still dangerous. They may have a decent return, but many bond values are still declining or sporatic. My suggestion would be to go with a short term CD. It is safe. Some credit unions in my state are paying 5%.
- Your 401K should be invested in a well diversified set of mutual funds covering stocks, bonds, and commodities. This is for your retirement. You have a money market account. This is for your emergency needs. Or you may be saving up cash to buy a car or for a down payment. What is the third account for? Long term savings to supplement your 401K savings? If that is the case, you should check whether you are eligible for a Roth IRA. Without knowing your objective one cannot provide advice. What ever advice is provided comes with the caveat that it is not prudent to make investment decisions based on what you hear from random people on the Internet.
