I have 180k in my savings..Should I create a CD or go straight into a particular stock or two? Any recommendations would be so much appreciated for me to obtain the best overall yield this year

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Neither. Would buy indexes or use a tool as others have suggested. CD is among most conservative, stock picking among most risky possible options. Probably wanna do something in between but please educate yourself. Also, know that keeping 180k in savings is in effect losing money at this point due to inflation.

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I’d recommend using an AI tool (ChatGPT, Copilot, etc.) to create an investment plan based on a multitude of factors, such as: current age, planned retirement age, annual salary, percentage of annual salary going towards future investing, goals, 401k contributions, etc. Results will likely include the ‘standard’ yet outdated international investments and bonds. I’d only recommend adding bonds once you’re retired or retirement is imminent where financial preservation and stability is important, otherwise you’re just missing growth opportunities.

Education is key, or paying someone to work with you on this (financial planner). Plenty of educational YouTube channels, and seriously the results you can get from the likes of ChatGPT should make some financial planners nervous.

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For buy and hold, I stick to high-quality compounders like VTI/SPY for broad exposure, and individual names such as MSFT, AAPL, NVDA, COST, and JPM strong balance sheets, durable cash flow, and long-term growth. They’re great for preserving and steadily growing capital.
That said, long-term holding usually won’t outperform active trading in shorter time frames. That’s why I pair my long-term positions with an expert copy trading system, which is more active and designed to capitalize on short-term market moves without me having to trade daily myself.

Long crypto hold. That’s literally what I did.

Like every other investment, it comes down to what your risk tolerance and hold horizon is. No right or wrong answer, only whether the combination works or not.

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