6 Smart Ways to Invest Your Emergency Fund

Certificates of deposit

Certificates of deposit (CDs) offer guaranteed returns and the interest rates are much higher compared to traditional savings accounts. The only problem is that CDs are not liquid. They tie up your money for a period of time and penalize you for making early withdrawals.

You can, however, sidestep this problem by using the laddering strategy — that is, by investing in several CDs with different maturity dates so that a portion of your investment remains accessible at regular intervals.

In addition, you can invest in no-penalty CDs which allow you to withdraw your money any time you want without paying any penalty. The downside is their interest rate is lower than that of regular CDs.

Small-cap winners galore

The big stock market winners share one common attribute: Near the beginning of the ascent of their shares, the companies offer revolutionary products or services, are market leaders in their respective industries, or both. Some big stock market winners that possessed the attributes outlined above are Netflix (NFLX), which we recommended to investors in October 2002; Intuitive Surgical (ISRG), which we bought and recommended in July 2004; Baidu.com (BIDU), which we bought and recommended in August 2006; and MercadoLibre (MELI), which we recommended to investors in October 2010. Get up-to-date small-cap stock picks from David Frazier, editor of Small-Cap Profit Confidential.
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Smarter cryptocurrency investments

The stock market crash of 2008 was the catalyst for his journey into alternatives. And interestingly, it was the impetus behind the creation of Bitcoin and the blockchain technology behind it. Keene Little wasn’t ready to risk his money yet but he was very curious, so he began charting Bitcoin’s technical patterns. What finally convinced him to dip a toe into digital currencies was seeing that they followed familiar price patterns that could be analyzed and successfully acted on. Now he shares those insights with subscribers to the Crypto Wealth Protocol.
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