p****1
发帖数: 275 | 1 准备明年下半年买个小房子。我有一点储蓄, 可以作为首期付款。我想知道是否有什么
渠道, 我可以比较安全地投资，获得比银行利息更多的利益, 与此同时, 当我需要买房
子时, 我可以灵活地将这笔钱取出来?
谢谢。 |
a*******9
发帖数: 2265 | 2 money market saving, or some riskfree cd |
K****D
发帖数: 30533 | 3 There is none.
【在 p****1 的大作中提到】
: 准备明年下半年买个小房子。我有一点储蓄, 可以作为首期付款。我想知道是否有什么
: 渠道, 我可以比较安全地投资，获得比银行利息更多的利益, 与此同时, 当我需要买房
: 子时, 我可以灵活地将这笔钱取出来?
: 谢谢。
|
s******e
发帖数: 15 | 4 The most important thing you should be looking for is not loose any of your
principle. From that point, only limited options exist. Then you need
liquidity since you don't know for sure when you'll need the money. This
further limits your options.
I would suggest money market, as it pays slightly higher interest, and it's
completely liquid. That's what I did when I was in the same situation.
【在 p****1 的大作中提到】
: 准备明年下半年买个小房子。我有一点储蓄, 可以作为首期付款。我想知道是否有什么
: 渠道, 我可以比较安全地投资，获得比银行利息更多的利益, 与此同时, 当我需要买房
: 子时, 我可以灵活地将这笔钱取出来?
: 谢谢。
|
K****D
发帖数: 30533 | 5 The OP asked for something better than "bank interest".
Money market will earn bank interest.
your
s
【在 s******e 的大作中提到】
: The most important thing you should be looking for is not loose any of your
: principle. From that point, only limited options exist. Then you need
: liquidity since you don't know for sure when you'll need the money. This
: further limits your options.
: I would suggest money market, as it pays slightly higher interest, and it's
: completely liquid. That's what I did when I was in the same situation.
|
X****r
发帖数: 3557 | 6 Actually current money market (short term securities) rate is
close to 0 now. Saving account could earn more.
【在 K****D 的大作中提到】
: The OP asked for something better than "bank interest".
: Money market will earn bank interest.
:
: your
: s
|
K****D
发帖数: 30533 | 7 Yes, but it's still bank interest though, same as CD.
That's why I directly replied "there is none".
【在 X****r 的大作中提到】
: Actually current money market (short term securities) rate is
: close to 0 now. Saving account could earn more.
|
t*r
发帖数: 330 | 8 reward checking might help.
【在 p****1 的大作中提到】
: 准备明年下半年买个小房子。我有一点储蓄, 可以作为首期付款。我想知道是否有什么
: 渠道, 我可以比较安全地投资，获得比银行利息更多的利益, 与此同时, 当我需要买房
: 子时, 我可以灵活地将这笔钱取出来?
: 谢谢。
|
z********g
发帖数: 105 | 9 How much? Depends on how much you have
【在 p****1 的大作中提到】
: 准备明年下半年买个小房子。我有一点储蓄, 可以作为首期付款。我想知道是否有什么
: 渠道, 我可以比较安全地投资，获得比银行利息更多的利益, 与此同时, 当我需要买房
: 子时, 我可以灵活地将这笔钱取出来?
: 谢谢。
|
v****o
发帖数: 978 | 10 reward checking 5% APR
【在 p****1 的大作中提到】
: 准备明年下半年买个小房子。我有一点储蓄, 可以作为首期付款。我想知道是否有什么
: 渠道, 我可以比较安全地投资，获得比银行利息更多的利益, 与此同时, 当我需要买房
: 子时, 我可以灵活地将这笔钱取出来?
: 谢谢。
|
|
|
w********h
发帖数: 1041 | 11 Anything you do wouldn't be easier than to buy the house by 4/30, and claim
Obama's dollar. Free money. |
K****D
发帖数: 30533 | 12 Actually in many places it would be better to buy after 4/30,
if the tax credit doesn't get extended again.
The tax credit is designed to raise the house prices in struggled
markets.
claim
【在 w********h 的大作中提到】
: Anything you do wouldn't be easier than to buy the house by 4/30, and claim
: Obama's dollar. Free money.
|
w********h
发帖数: 1041 | 13 总之晚买不如早买。朋友刚才过来聊天，比我早买6个月，lot大2000尺，房子大300尺
，才比我贵10k。所以既然一样要买，就早点动手，free money到手就好。至于房价涨
上来了，还能不能下去，可就难说的很。不过rate肯定是越晚越高了。
【在 K****D 的大作中提到】
: Actually in many places it would be better to buy after 4/30,
: if the tax credit doesn't get extended again.
: The tax credit is designed to raise the house prices in struggled
: markets.
:
: claim
|
m**********w
发帖数: 4161 | 14 rate升高，tax credit失效，房价会降。
【在 w********h 的大作中提到】
: 总之晚买不如早买。朋友刚才过来聊天，比我早买6个月，lot大2000尺，房子大300尺
: ，才比我贵10k。所以既然一样要买，就早点动手，free money到手就好。至于房价涨
: 上来了，还能不能下去，可就难说的很。不过rate肯定是越晚越高了。
|
a*******9
发帖数: 2265 | 15 rate升高, 房价会降, maybe the total cost is even to you
【在 m**********w 的大作中提到】
: rate升高，tax credit失效，房价会降。
|
m**********w
发帖数: 4161 | 16 but i would prefer interests higher as it can be offset by tax.
【在 a*******9 的大作中提到】
: rate升高, 房价会降, maybe the total cost is even to you
|
h**********3
发帖数: 2 | 17 最好的投资莫过于现在马上买了房子，呵呵，完全符合你的要求：比较安全地投资，获
得比银行利息更多的利益。至于最后一点，当我需要买房子时可以灵活地将这笔钱取出
来，那就不用再麻烦了。现在在美国投资房地产是最好的选择 |
