darkmaker94 said:Honestly, gold doesn't really do it for me since there's no guarantee I'll actually see my money again in xy years. And I'm totally lost with these coins; they say $50 on them, but people are selling them for $63. 😕 So what's the actual value here?!
I'm basically torn between some kind of active savings plan and life insurance.
I've been digging through JP Morgan Chase's site looking for an active savings option—since I've already got a student package with them, I figured I'd stick with them or maybe try Goldman Sachs—but I'm coming up empty. 🤷
Then again, life insurance seems like a solid move too, especially if I can eventually tie it into a mortgage or something. 😁
I actually just opened an active savings account with a premium at Wells Fargo recently (in USD). I was super indecisive too, but I ended up locking it in at Wells Fargo because they were dropping interest rates around the 1st... so I managed to snag a slightly higher rate while I could (I signed up for a 3-year term)...
As for life insurance, I haven't personally dealt with it, but I know some people who were pretty disappointed after saving for 15 or 20 years... 🤷
Maybe you should think about a mix of active savings and stocks?