Let's say you had a 100k that you don't need access to for 12-months.

5% APY CD? Or is there a better option?

Put 25% in Apple. Keep it 366 days to get your LT gains rate, or sell it as soon as you hit 10%.
And you will.

You can get 7.2% yield from EPD stock. K-1s can be a bit of a pain, so you have to make sure the extra 2% is worth your trouble. If someone else does your taxes, you might speak to them briefly about K-1s before you pull the trigger.

First question is why you need to access it in 12 months and what is it for? That type of liquidity analysis will drive what you do IMO.

Edit to also ask whether this is truly surplus cash or part of your emergency savings. Ties to the liquidity issue

Fireman said:

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You can get 7.2% yield from EPD stock. K-1s can be a bit of a pain, so you have to make sure the extra 2% is worth your trouble. If someone else does your taxes, you might speak to them briefly about K-1s before you pull the trigger.

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This, or ET. K-1 is not an issue. These are MLPs that offer big tax advantages.

Owned EPD since '02, never disappointed on the distribution from them, or ET.

putting short term savings in bitcoin is a bad idea, but it is on a very short list of things that are actually not a scam at the moment.

I'll preface this by saying I have no investments in BTC or any other cryptocurrency but I have read a book and a few articles about it. It seems like a legitimate hedge against MMP and unfettered government spending and fiat currencies. My hesitancy has been that I don't think the governments will be able to keep their greedy fingers out of it and they will screw it up by design.

What makes you say it's a scam?

Bitcoin is not a scam. While there is some relative volatility, the thesis is concrete.
I recommend reading the bitcoin standard, then listening to a few Michael Saylor talks.

Look through a few of these charts https://charts.bitbo.io/rainbow/
We are in a fantastic buying opportunity for BTC right after the recent halving. The bull run should be anywhere from 6-8 months away. Great way to flip your $100k



"You get Bitcoin at the price you deserve...."

halfastros81 said:

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I'll preface this by saying I have no investments in BTC or any other cryptocurrency but I have read a book and a few articles about it. It seems like a legitimate hedge against MMP and unfettered government spending and fiat currencies. My hesitancy has been that I don't think the governments will be able to keep their greedy fingers out of it and they will screw it up by design.

What makes you say it's a scam?

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It's the people who haven't studied it that think it's a scam. They will come around eventually.

Probably correct but this guy came out pretty strong in saying it's a scam . I'd like to know why. If he has good reasoning then let's hear it . If not, just say you really don't know or don't say anything at all but it's too late for that.

donkeykick90 said:

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Bitcoin is not a scam. While there is some relative volatility, the thesis is concrete.
I recommend reading the bitcoin standard, then listening to a few Michael Saylor talks.

Look through a few of these charts https://charts.bitbo.io/rainbow/
We are in a fantastic buying opportunity for BTC right after the recent halving. The bull run should be anywhere from 6-8 months away. Great way to flip your $100k



"You get Bitcoin at the price you deserve...."

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That y axis, what are those units? Can't quite see it too well.

94chem said:

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donkeykick90 said:

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Bitcoin is not a scam. While there is some relative volatility, the thesis is concrete.
I recommend reading the bitcoin standard, then listening to a few Michael Saylor talks.

Look through a few of these charts https://charts.bitbo.io/rainbow/
We are in a fantastic buying opportunity for BTC right after the recent halving. The bull run should be anywhere from 6-8 months away. Great way to flip your $100k



"You get Bitcoin at the price you deserve...."

---

That y axis, what are those units? Can't quite see it too well.

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Y axis is USD on a log scale.
Click the link in order to study the graph.

donkeykick90 said:

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94chem said:

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donkeykick90 said:

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Bitcoin is not a scam. While there is some relative volatility, the thesis is concrete.
I recommend reading the bitcoin standard, then listening to a few Michael Saylor talks.

Look through a few of these charts https://charts.bitbo.io/rainbow/
We are in a fantastic buying opportunity for BTC right after the recent halving. The bull run should be anywhere from 6-8 months away. Great way to flip your $100k



"You get Bitcoin at the price you deserve...."

---

That y axis, what are those units? Can't quite see it too well.

---

Y axis is USD on a log scale.
Click the link in order to study the graph.

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Thanks. So...Is it currency speculation with something that can't be used as legal tender? Or is it commodity speculation with something that is not made of matter?

Wheels? You out there?

this would be a solid option if have a Webull acct with this offer avail



ref link