We frequently refer to the Credit Suisse chart above showing that over more than a hundred years in the past, equities have been the best place to invest. Cherry-picked items from the other investments mentioned have done better. Cherry picked. All of us have invested in many of the other possibilities and enjoyed some of them, but as a primary retirement investing base, equities will likely remain the best.
For better, more predictable results, limit your investing to US-listed equities. From our answer to an April 4, 2018 question from one of our members:
“Even the safest investing is risky enough. By investing in foreign markets, we add sovereign risk, currency risk, regulatory risk, property rights risk and more. Historically, China and many other autocratic countries have shown total disregard for property rights.
“A chart, like a picture, is worth 1000 words. Look at the one below.”
The Monday Morning program recommends investing in the exchange-traded fund SPDR® S&P 500 ETF Trust (symbol SPY). Compared to the other exchange-traded funds (ETFs) which track the S&P 500, SPY is identical but more useful for members who might want to sell puts and calls for added income. It is the largest, most frequently traded ETF with a narrow bid/ask spread and the biggest number of expiry dates.
Some of our members with a higher risk tolerance, are borrowing to invest.
So, the answer to the question at the beginning of this post is no. It is not possible to have a low interest rate on your debt and a high interest rate on your savings account.
However, it is possible to enhance our savings by investing the Monday Morning way.
The Monday Morning Millionaire Program was designed to offer compressed investment convictions. Over the last two decades, the program has outperformed over 90% of portfolios, including professionally managed ones.
The program does not provide any investment advice or endorsements.
With fewer than 700 words, members can read this post in a few minutes. Following and studying the links imbedded in these posts would take longer. How members manage a post depends on their level of interest and investing knowledge.