Most of us know where you can invest money in good times, but when it appears like the sky may be falling, knowing where you can invest money and how exactly to invest it becomes a puzzle. In 2014 and 2015 good investments might be hard to find, particularly if yesterday’s good investments like stocks and bonds tank. This is simply not a prediction, but instead a “heads up.” You can’t prepare if you’re unaware, so let’s have a closer consider the sky. Everybody knows that safe choices like money market funds and bank savings accounts don’t look like good investments for 2014 since they pay peanuts. But what if the sky starts falling: either interest rates ignite and/or the stock market tanks? Either way or both… where you can invest money is the question of the day. Safe choices will look like good investments for parking money that must definitely be safe.

Wall Street’s traditional response to where to invest money: put about 60% into stocks with about 40% in bonds holding a cash reserve on the sidelines. Problem: in 2014 and 2015 losses in stocks may not be offset by gains in bonds… as was the case going back 30 years roughly. If interest levels soar from today’s record-low levels, neither stocks nor bonds appear to be good investments.

For over 30 years interest rates were falling and bonds were generally good investments. With today’s ridiculously low rates (developed by our government to stimulate the economy) a rebound in interest levels is in the cards (because the government unwinds its stimulus). When that happens, bonds won’t be where you can invest money for higher interest income with relative safety. Bonds are NOT good investments when rates go up; they lose money. That’s the way it works. How exactly to spend money on bonds in 2014 and 2015 if rates remove: lighten up and opt for safety.

Stocks had been very good investments five years running because the year 2014 began. This was at least partly because of government stimulus and cheap money. In a sense, stocks were where you can invest money because nothing looked cheap except for money (short term interest levels were set at about one-tenth of 1 percent). With an increase of over 150% in five years, the downside risk in the currency markets is mounting. This begs the question of how to invest profit stocks if the sky starts to check ominous.

Remember that the currency markets is truly a market of stocks, meaning that almost all stocks get hit once the market crumbles – but at the very least a few will be good investments. And the best way to find good investments in a negative market is to watch the price action. For example, as the market climbed 30% in 2013, some gold stocks were down about 50% by early 2014. Unless you know how to spend money on or how to select a specific gold stock… you should know where you can invest money to obtain a piece of this step. The answer is to invest money in gold funds and let them select the gold stocks for you personally.

The bottom line is that in 2014 and 2015 investors face an uphill battle, because both stocks and bonds look pricey. That displays a new challenge to today’s investor searching for where you can invest money. We have been facing uncharted waters in this modern electronic world, where no-one really knows how to invest or where to find good investments for future years. This includes the big investors like life insurance coverage companies and pension funds.

My suggestion is to take some profits in your stocks and bonds, because the tide will turn eventually or even in 2014 or 2015. Then you’ll have a cash reserve, so that you can make use of the situation because the skies darkens. Smart investors are always in search of where to invest money next, especially when a big change of trend is in the cards. At such times, yesterday’s underperforming sectors or industries often become today’s good investments.

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