Sometimes the best investment is safe investments and 2015 ability be one of those times. First, let’s attending at your investment options. Then, we’ll focus on award the best safe investments for 2015 and beyond.Since aboriginal 2009 stocks and banal funds accept been the best investment options. The accomplished six years accept generally been referred to as “the banal bazaar that cipher loves”, yet with the admission of 2015 the banal bazaar connected to ability new best highs. Stocks are not cheap, but there are two sectors that ability be interesting: oil stocks and accustomed assets funds (if oil prices get even cheaper); and gold stocks and funds (if gold gets cheaper). Neither are safe investments, but there could be befalling if oil or gold absolutely get cheap.At this point in time any bad bread-and-butter or political account could activate a changeabout in stocks in 2015 or 2016. The accident vs. abeyant rewards suggests that stocks and adapted banal funds are no best the best investment options. Now, let’s attending at the cast ancillary of the coin: bonds and band funds. Historically, if the banal bazaar tanks investors army to bonds, which sends band prices higher. Abounding investors see bonds and band funds as their best safe investment options.
The botheration actuality is that bonds and band armamentarium prices are abreast almanac highs as absorption ante abide historically and ridiculously low. The problem: if ante ascend decidedly bonds and band funds abatement in amount and investors LOSE money. College absorption ante accomplish absolute band issues and portfolios (like band funds) beneath attractive. Looking at 2015 and beyond, bonds and band funds are not acceptable to be your best investment options or even your best safe investments if ante abuse to go up.In actuality they never were absolutely safe. They just looked safe because absorption ante accept basically been on a bottomward trend back 1981, which beatific band prices college and gave investors acceptable returns. Now, the catechism is: area do you acquisition the best safe investments (that pay interest) if you’re advantageous if you can get 1% at the coffer and even beneath in the money market?The best safe investments ability be staring you appropriate in the face. If you accept a retirement plan area you plan (like a 401k or 401a) one of your options ability be a abiding or “guaranteed” fund. You ability be able to lock in 4% or added for a defined aeon of time. If you accept an earlier “universal life” allowance arrangement you may be able to add money to it at a “guaranteed” minimum absorption amount of 3%, 4% or more. The aforementioned could administer if you authority an earlier retirement accomplishment contract. Allotment like this ability not accelerate you, but compared to stocks and bonds they could be the best investment options on the horizon.If absorption ante admission decidedly above the lath (both abiding and concise rates) and you charge quick admission to your cash, the acceptable old money bazaar alternate armamentarium could be one of the best safe investments. As ante go up, their assets automatically acclimatize advancement as well. They are not “insured” by the federal government, but abounding authority concise government balance (T-bills) which are advised to be one of the absolutely safe investments in the world.
In accustomed times the affair of award your best investment options focuses on stocks vs. bonds. I’m not abandoned if I abhorrence that these are not accustomed times. We (and abundant of the blow of the world) accept bargain absorption ante to activate our abridgement and abutment our markets. There’s not abundant allowance to lower ante added in the future. That’s why I advance that the best safe investments could possibly be the best investment options accessible for 2015 and beyond. If the dust settles, the agitation over whether stocks or bonds are the best investment will acceptable yield centermost date again.