S/O: investing cash savings

[Anonymous]

I'm learning from this board that people do things with their savings to earn interest! Ours is in a savings account.

We are HHI=$155, no debt, with $65k in liquid savings, although our jobs are stable and if a true emergency came up, we could borrow from parents. For that reason, I'd like to invest some of our savings.
I'm looking for suggestions for places/ways to invest that are high-yield but not super high-risk.

[Anonymous]

if you can find a place thats high-yield and low risk, congratulations, you'll have overturned 200 years of basic economic theory.

[Anonymous]

OP here. I didn't say low-risk. If someone can advise without being an asshole, I'd appreciate it.

[Anonymous]

Oh, I'm sorry, you want high yield but not high risk. Not high yield and low risk. Glad you cleared that up.

[Anonymous]

You could look at savings bonds-- if you are really willing to keep them 20 years then an EE bond pays 3.4% or so; an ibond has a partially variable interest rate-- has recently been above 1%.

A CD ladder (where a CD matures each year, and you can roll it into a new 5 year CD) can often be a good way to get good yields, although less so lately.

A little less safe, would be a bond fund-- generally higher yields than savings accounts, but the longer the "duration" of the average bond, the risk/reward there is (so a short-term fund usually pays the least but is the safest. intermediate may pay a bit more but fluctuate in value more as well, etc.)

A balanced fund--- mix of stocks and bonds in one fund-- is generally safer than stocks only-- the two will often, although certainly not always, move in opposite directions and cushion each other.

[Anonymous]

20 year financial investor here.

OP: You're in a similar situation as my family. If you have the time your best bet is the stock market, but that is only if you have time. Other than that go into real estate. If you can purchase a decent rental property you'll get 9-12% return a year forever. That's very good.