written by reader earnings on savings

By Anonymous Questions, February 22, 2016

Is there anyplace I can invest my money and get a 4% – 5% return safely and guaranteed?

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Alex
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Alex
February 23, 2016 10:45 am

Unfortunately not. There’s no magical solution to become rich. It takes time, education and experience.

Travis Johnson, Stock Gumshoe
February 23, 2016 10:54 am

The only real “guarantee” comes from something like annuities, and there are probably annuities now that guarantee 4-5% annual returns, but they also tie up your money and often have lots of hidden fees or damaging fine print (and they come in lots of different flavors). The usual investment definition of “safe” is US government bonds, and even the 30-year bond is only paying a little over 2.5% right now. If you pay for a couple hours with a good fee-only (no commissions) financial advisor they should be able to help you understand the spectrum of risk and return and what might fit best for your situation.

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