Since you won't
have access to your money immediately, many investors ladder their Savings Certificates.
Not exact matches
Secondly, people who are in a rush
to get their
money back
would probably prefer
to be able
to access the market
immediately, even at a discount, than wait three months for their
money.
At Oxford he
had money, a car - not many students did
immediately after the war - and there were women, if not all
to his taste at Oxford, but he was within easy
access to others in London.
If you don't trust banks and never will, you'll probably opt for cash; if you want
to make sure you always
have access to your funds
immediately, you'll probably opt for a savings account linked
to your primary checking; if you want
to maximize your
money's growth, you'll probably opt for a high - yield savings account or CD ladder.
In this scheme, you
've diversified a little bit,
have access to 50 % of your
money immediately (either through online transfer or bringing your bonds
to a teller),
have an implicit US government guarantee for 50 % of your
money and low risk for the rest, and get inflation protection for 75 % of your
money.
✓ Social Security and / or pension benefits won't cover your regular expenses ✓ You're a pre-retiree or early in retirement ✓ You
've accumulated between $ 250,000 and $ 5 million in retirement savings ✓ You
have average or above - average health ✓ You're seeking greater certainty in retirement and more of an insurance product ✓ You don't need
access to the
money immediately
✗ Social Security and / or pension benefits cover your regular expenses ✗ You're younger than 45 or over 75 years old ✗ You
've accumulated less than $ 250,000 or more than $ 5 million in retirement savings ✗ You
have below - average health ✗ You're seeking higher risk and more of an investment product ✗ You need
access to the
money immediately
The game
has done well enough for us
to continue working on the particular esoteric flavors of games we enjoy making, even though the way it was funded - via Kickstarter and Early
Access - meant that most of the
money we were earning with it was
immediately spent on development.
Livent
would not
have been able
to continue
to access the capital markets, generating additional debt
to obtain cash that then went
immediately out the door
to finance
money - losing operations.