If you are risk adverse and had $20,000, how would you invest it?

[La Lioness Priyanka]

[wakemeupwhenitsover]

1. CDs. Look for a credit union.

They typically pay higher rates than the bank.

You can also look into Treasury Bonds. They're safe. If the bond crashes the whole country has gone tits up & everybody's money is gone.

[DrDan]

2. ditto CDs

shop around - there is a lot of variation in rates

[BOSSHOG]

3. You should factor your age into the decision

- If you are under 40, you may want to consider 5K into a mutual fund (that you might be able to add to on a monthly basis.)

- Also debt reduction. You may want to consider putting another 5K into reducing credit card debt or car principal or adding it to the principal of a mortgage.

- Then you would have 5K for a CD and another 5K for a Roth IRA CD.

Slight risk, debt reduction, saving for retirement and low to no risk savings.