Low Risk Investing Choices

Investing in stocks is not for everyone. Even seasoned stock market investors are well-advised to maintain some level of cash or cash equivalents in a low-risk account. Below are links to resources to help you get the best return on your money with minimal risk.

Online Banks

Online banks can offer some of the highest interest rates around with few, if any strings attached. Many of these offerings do not have minimum balance requirements and are fully liquid (meaning you can pull your money out at any time without penalty).

ING DIRECT "Orange Savings Account™" (Click on the ad/link to the right for more information or to open an account.)
HSBC Direct Online Savings Account

US Treasury

Backed by the U.S. Government, investing in treasuries has recently become much easier. You can deal directly with the Treasury using your internet connection. Here's the links you'll need:

Pay special attention to the "TIPS" (Treasury Inflation-Protected Securities) section of the TreasuryDirect website when inflation worries seem to be making the news every day. These products will help your rate of return keep up with the rate of inflation.