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<blockquote data-quote="Oldfart" data-source="post: 2982129" data-attributes="member: 64407">Depending on your age and your ultimate goal, a 5 yr CD just might not be the best route.&nbsp; If you are in your 20&#039;s or 30&#039;s, you have time to recover from just about any bad streak a good Mutual might suffer.&nbsp; Plus 2.25% is a very small return.&nbsp; You can research Mutual Funds in Morningstar or Vanguard and find plenty of proven mutual funds with decades of positive growth and low to moderate risks.&nbsp; Even if we suffer another 2008 scare, being young will allow you the time to recoup a bad streak and still grow your money.&nbsp; If a mutual fund is 25 or 30 years old and has growth of 12 to 15% in that time,&nbsp; you can figure it is a good place to park some money, even if we do suffer another 2008.If you are older, the CD route might be the way to go as you tend to go conservative with a good portion of your money because you might not have time to recover from a 2008 repeat.You just need to read some financial websites and get as informed as possible.The funds Vanguard offers in our 401k are for the most,&nbsp; very good.&nbsp; I would load up your 401k with as much as you can.&nbsp; Fedex will match up to 55% of your contribution,&nbsp; it saves you on income taxes and if you start young and make steady contributions, you can have a very large 401k when retirement time comes.&nbsp;&nbsp; Small sacrifices when you are young will pay off bigtime when you retire.</blockquote>

[QUOTE="Oldfart, post: 2982129, member: 64407"] Depending on your age and your ultimate goal, a 5 yr CD just might not be the best route. If you are in your 20's or 30's, you have time to recover from just about any bad streak a good Mutual might suffer. Plus 2.25% is a very small return. You can research Mutual Funds in Morningstar or Vanguard and find plenty of proven mutual funds with decades of positive growth and low to moderate risks. Even if we suffer another 2008 scare, being young will allow you the time to recoup a bad streak and still grow your money. If a mutual fund is 25 or 30 years old and has growth of 12 to 15% in that time, you can figure it is a good place to park some money, even if we do suffer another 2008. If you are older, the CD route might be the way to go as you tend to go conservative with a good portion of your money because you might not have time to recover from a 2008 repeat. You just need to read some financial websites and get as informed as possible. The funds Vanguard offers in our 401k are for the most, very good. I would load up your 401k with as much as you can. Fedex will match up to 55% of your contribution, it saves you on income taxes and if you start young and make steady contributions, you can have a very large 401k when retirement time comes. Small sacrifices when you are young will pay off bigtime when you retire. [/QUOTE]

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