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Investing (Or "Am I Full Of Shit?")
YamiNoSenshiA point called ZIn the complex planeRegistered Userregular
So, I've got a decent amount of money saved up. But now, as the ads put it, I'd like to put it to work.
Note: When I say "I", I mean my fiance and I. We pool all of our finances.
Currently, I have a BoA checking account with about $17,000 in it, and it's doing nothing for me. I've got a car loan at 4.9% that has $10,000 left on it and a student loan at 6% that has $15,000 on it. We've been making $1,000 payments a month on both. We have no other significant debt, and we come out saving more than we spend almost every month.
What I'd like to do is transfer a decent amount of that money into investments. I'm thinking putting about $5,000 into a good savings account like GMAC, with another couple thousand in staggered CDs (6,12,18 months). I was looking at various treasury bonds, but them seem pretty crappy right now. I'd rather have something lower risk right now, probably stemming from the fact I manage finances for two. Eventually, I'd like the BoA account to just become spending/bills/rent money and have the bulk in a savings account and various investments.
This is pretty much a sanity check. If anyone has alternate/better ideas, let me know. If Thanatos comes in and says my ideas (and my face) are stupid, I know I'm on the wrong track.