你的目标是什么,想要多少的回报?能承担多大的风险?

比如保持本金不动,只想拿一些收入什么的,还是想拿更好的回报?

Put the money in the bank is probably the simplest and easiest way.  However, you will have to pay taxes on those interests earned.  Your tax rate is probably (most likely) higher than the interest rate you got from those CDs. 

In the long run, invest in the stock market.  If you dont have much time monitoring, buying and selling stocks, just get some 'stable' stocks.  In addition, max out your retirement contribution. 

How to invest?  I found this link might be helpful for you.  Not only does it provide helpful information on how to invest, but on stocks, ETFs, Mutual funds, Bonds, and even Commodities.

http://biz.yahoo.com/special/invest092506.html

Just another thought, you could also get a house and rent it out.  Another cash flow cow for you.

以下是引用icyscorpio在2006-9-29 18:19:00的发言：

你的目标是什么,想要多少的回报?能承担多大的风险?

比如保持本金不动,只想拿一些收入什么的,还是想拿更好的回报?

see, that is the things I completely have NO IDEA!!!

but I think I am more conservative, I do not want risk, but at the same time do not want my money lose value in the bank...... am I pathetic?

[此贴子已经被作者于2006-9-29 19:40:13编辑过]

以下是引用heavysnow在2006-9-29 19:03:00的发言：

Put the money in the bank is probably the simplest and easiest way.  However, you will have to pay taxes on those interests earned.  Your tax rate is probably (most likely) higher than the interest rate you got from those CDs. 

In the long run, invest in the stock market.  If you dont have much time monitoring, buying and selling stocks, just get some 'stable' stocks.  In addition, max out your retirement contribution. 

How to invest?  I found this link might be helpful for you.  Not only does it provide helpful information on how to invest, but on stocks, ETFs, Mutual funds, Bonds, and even Commodities.

http://biz.yahoo.com/special/invest092506.html

Just another thought, you could also get a house and rent it out.  Another cash flow cow for you.

thanks a lot, it is very helpful.... I already maxed out my 401K (I think)... will check out the website... but it is VERY intimidating even THINKING of getting a house. I am more comfortable in a smaller apartment than a bigger place and I do not think I have the time to handle rent and stuff.

maybe I can try a condo/townhouse first............

130K cash. wow. 赞一个先. 有空约你出去吃饭.

You're welcome. 

Townhouse is not a bad idea.  Less things to worry about outside the house since they are taken cared of by associations.