CD
Chindata Group Holdings Limited
stock NASDAQ

What's the best use of 300k from a home sale? After selling, there will be about a 4 month wait until my new construction is finished. I will be using this for my down payment and closing costs. I've no other debts or loans currently.
Would a mix of HYSA, 3 month CD, index fund/etf be good?

As a guy with some capital to start, but no idea on how to really start purchasing stocks, is there a starting point you would recommend? Say broad stocks, or any particular stocks you may recommend? I don’t mean to sound ignorant, but I am in a point in my life where I need more passive income. I have gone the CD route with my bank a few times and that is cool, but I’d like to diversify how I profit.

Thanks for coming back to the sub with your question, u/random_poster_543. While it may seem random to the community, we know it's important to you. Let's discuss expense ratios,
When looking at the expense ratio of a mutual fund, such as the Fidelity Government Money Market Fund (SPAXX), that ratio is already factored into the calculation for the 7-day yield of the fund. For any mutual funds other than money markets, it's calculated into the Net Asset Value (NAV). So, no additional homework is needed, and the yield or price you see is the one you get. You can review more info on expense ratios at the link below.
[Are fees holding your portfolio back?](https://www.fidelity.com/learning-center/wealth-management-insights/portfolio-insights-fees)
Before I go, I also want to mention that while money market fund 7-day yields can change, the interest rate on a CD that you purchase will stay fixed. However, money markets are more liquid, and it is easier to have quicker access to funds compared to CDs.
If you have any other questions, please don't hesitate to reach back out. We'll be available all weekend and happy to help.

Study trading and find a profitable strategy and have him stick with it. Tell him to have a tight stop out when he trades so he doesn't lose money if things go south. And at the end of his trading day when he closes his position make sure it really is closed or he could continue to lose money without knowing.
Or convince him to by Government high yield bonds, or a high yield saving account or a high yield CD instead. Those payouts are guaranteed.
If he won't do that then share in his investments so you can monitor the money too. Show interest. You two may even have some fun together .

It’s up 8.19% the past 3 months after dropping in November from an all-time high. That’s hardly “share price is dropping.” YOY inflation is 2.4% so a 3.8% dividend yield more than keeps up with that. And with interest rates falling, you can only really get a 12-month CD that hits or slightly beats that dividend. With the next rate cut, you will no longer be able to. Also, SCHD has increased dividends 10.9% over the past 5 years - you’re not accounting for that either. CDs won’t increase their dividend

@u/Plastic-Wasabi-563 I wish you luck. I’d begin with index funds. I began to do that recently but wish I had begun sooner.
I never invested the $50,000 I had sitting in my bank account. I was too scared. I ended up putting some into a CD and a high-yield savings account, and the rest went to my college expenses . But honestly, most of it went to supporting my kids and myself—covering food, gas (I commuted 1.5 hours each way to school, three days a week), clothes, and shoes. We truly needed those things.
As a first-generation college student, I grew up in a household where money was never talked about. I carried a deep fear that if I invested, I’d lose everything. I did roll over my Roth IRA last year, and only recently started buying shares. Now that I see how well it’s doing, I can’t help but think, “What if I had started sooner?” 😞
I wish I still had that $50,000—but it went to student loans, debt, raising my children, and basic needs. No vacations. No luxury. Just survival. Sometimes I feel like I failed, but I’ve finally learned the power of compound interest. Even though I read so many books back then, I didn’t have the confidence to take action. I do now.

Let’s see how everyone reacts to the tariffs. Historically, it’s been bad. So, I would keep your money in the CD for now

It’s almost like a CD

For a second, I thought it was a Tom Petty greatest hits CD. 😊

Add SGOV/USFR in the mix. If you wanna compare, the best is to compare CD, MMF, and SGOV/USFR.
All 3 of them are literally the safest options .

I did this for a portion of my 30’s and deeply regret it. I had a 7-figure portfolio then. The truth is, any significant downturn only lasts a couple of years. About 5 years out from retirement you should start building a cash/bond/CD position. As you retire you should plan to hold 3-5 years of planned expenses in fixed income to hedge against sequence of returns risk. All other times go 100% equities.

hahah..just like me, the SCHD fanboyz downvote you!
a common CD is about 15% better return!

SCHD is rubbish.
Share price is dropping,
div is what 3.8% (grown to 3,80%)
that doesnt keep up with inflation nor cost of living.

backtesting is worthless every time they reconstitute.

many people miss this fact.
Most holders of SCHD reinvest the div...therefore there is an ever increasing dilution...right?

You can have a CD and get better rates and not lose your principal investment.

Can't spell correctly, sent you a CD with the hit Lil Wayne song a milli

The market is where my money worked as hard for me as I did for it. That said, after retirement we have to stop risk investments. I keep 90% in T Bills and Brokered CD's but the market also is my hobby after all these years so I invest about 1% in equities to keep my thumb on the pulse of it all...9% in cash. The future doesn't look bright so be careful

absolutely, SGOV is 100% safe as US T bills, paying 4.2%, will move with the overnight FED Funds rate, and no risk of loss as US government can just print more dollars to pay those Tbills, also you don't need any FDIC insurance as they are Tbills, unlike a bank's CDs or money market account. IF you are sure you can lock up the cash for 6 months 12 months 2 yrs etc, then a bank CD would be a better option, higher yield, and will have 250k FDIC insurance per account, so 250k in your name, 250k in wife's name so 500k insurance total. good luck :)

Yeah. Better than a High yield savings account, MM, CD, Bonds, or the market average. Good for a retirement account because it'll snowball. And if they grow, it's a larger amount to get 13% from. But I just sort of discovered these, we'll see how they perform. I want them to grow. Once I have a couple million, passive income will get easier

If you want a guaranteed rate for any meaningful period of time you need a CD or a government bond.

In the last 6 months the shareprice has dropped about 3 times the dividend.
Asid fro, that, the 3.86% div doesnt keep p with inflation, nor the cost of living.

A bank CD pays higher, with no risk to your principle investment

I agree sgov would be easy but as rates drop sgov's return will also. Maybe a CD or treasury ladder to smooth things out.