Where To Put Your Money Besides A Bank Account Or In The Risky Stock Market—Remember I Said, The Risky Stock Market--And How To Develop Your Own Stock Portfolio Without Risking Any Money

Most people who work a regular job still seem convinced by others not necessarily any more intelligent than they are,that mutual funds and stocks are your best bet for a comfortable retirement. Or to put a bunch of cash into real estate.

I beg to differ whole freakin' heartedly!

I was going to say the other F word,but decided against it.

Anyway...

I'm not going to go into a long article on why you should avoid risky stocks and real estate. I should state you can make money in the stock market and real estate but you better be willing to dive into being educated on these things, and know exactly how to implement stock and real estate estate investing principles without losing money.

Spend and invest money you can afford to lose.

Got it?

Okay,back to what this article is about. Other than putting your money in a bank account or risky stocks here's a great alternative so you can actually benefit from certain sectors of the stock market without risking a dime. Yes, you actually have to invest some money. Not a lot.

In these types of investments you can invest anywhere from 500 dollars to just about any amount.

Okay, I should tell you what type of investments these actually are.

Like I told you you won't lose money with these investments. They are linked to certain sectors of the stock market,and are in a guaranteed investment protected by the bank and the feds. Other wise known as the Federal Government.

These investments are offered by your bank,investment companies and independent financial advisers.

They are Stock Market Linked Certificates Of Deposit. You can be invested in many type of sectors with these CD's. Anything from the financial sector to utilities,real estate or even the oil and commodities market.

You can be invested from one to 5 years if you want.

Here's the best thing about market linked CD's; Even if the market takes a tumble and goes down the tubes, you don't lose a dime. You still get your money back that you put in,and depending on the CD invested in, you may get a guaranteed rate of interest despite that market going down.

The rate of interest is maybe 2% at most with the low interest rates these days. But you still get your money back. And the great thing is if the market goes up or down you don't lose like people in normal mutual funds or stocks.

Your best bet is to put small amounts of cash in these market linked CD's. Lets say you have an extra 5 grand you came into recently. You could put 2,500 into two market linked CD's. One for a year,and the other for 2 years. Make sure you can afford to leave that cash in for a couple years,because like any CD if you take it out---you won't benefit from these sectors of the stock market.

Or what you could do is take 2 grand and test the waters out in 2 market linked CD's. Just taking baby steps. That way you put that other 3 grand in cash. Just a suggestion.

So, with all this you're not risking anything and you can benefit from the stock market without having to be in individual common stocks,mutual funds or traditional real estate.

I think these types of market linked investments are great!

You can go to just about any major bank and invest in market linked CD's.

You can develop your own stock portfolio without risking a dime. Sound good to you?

I think so.