Short Term Investments

Short Term Investments. Making money for the short term.

Short Term Investments are ideal if you want to invest your money over a relatively short period. Cash Manager Accounts allow you access to your money. Fixed Term Deposit secures your money for the length of the term. Typically, a short-term investment is one year or less and used to refer to bonds or loans. Short-term investments include bridge or swing loans, which are short-term financing that should be paid back relatively quickly, by a subsequent longer-term loan.

Cash manager accounts are good short-term investments for investors who want access to their money with a high level of security. The high interest makes it a better option for day-to-day saving than conventional bank accounts, which earn little or no interest at all. People use the Online Cash Manager account for several purposes. You can use it as an account to park your cash and keep your money working. It is also ideal if you are trying to save for something special, whether that is a deposit on a home, a car or a holiday

Fixed term deposits are good short term investments for investors who wish to protect their capital, who do not mind locking their money away for a short period of time and for those who accept that capital guarantee means lower returns in the longer term that other forms of investment.

Short-term money that you need for emergencies and goals that need your cash in the next year should stay in savings accounts and insured market-rate accounts (IMRAs). Savings accounts pay the lowest rates of interest. Depending on your tolerance for risk, there are many types of short-term investments at your disposal.  If you do not have a high tolerance for risk, you might want to consider a money market fund. 

A money market fund is one that invests in low-risk government securities such as Treasury bills and commercial short-term loans.  Unlike other bank investments, such as certificates of deposit, money market funds are not federally insured and can change in price, though these changes are usually minimal.