至少半年吧？说实话，我自己都没有想好，已经放了绝大部分钱在股市里，不想太冒险了，就留了一些。20万已存了一个CD，也快到

期了，10万在一个没有一分利息的账号里。 最近在考虑是买ETF？还是国债？还是存CD？不是很懂，所以来问问。谢谢！

所有跟帖： 

• 可以看看Muni Bond。NAC yield 7% 而且全免税（如果在加州） -三心三意- ♂ (0 bytes) () 09/20/2024 postreply 10:48:01

• 好的谢谢，的确在加州 -DQ新手- ♀ (0 bytes) () 09/20/2024 postreply 10:53:46

• NAC 是CEF(可以把它看成ETF）。风险比国债高，比股市低 -三心三意- ♂ (107 bytes) () 09/20/2024 postreply 11:01:24

• 谢谢！Fidelity显示yield 5.4386%, yahoo finance显示7.65% -aloevera- ♀ (33 bytes) () 09/20/2024 postreply 11:09:23

• it is 7% -三心三意- ♂ (405 bytes) () 09/20/2024 postreply 11:22:19

• Thanks! I currently parked the money in Fidelity -aloevera- ♀ (95 bytes) () 09/20/2024 postreply 11:28:53

• As mentioned above -三心三意- ♂ (311 bytes) () 09/20/2024 postreply 11:36:24

• Thanks! The yield is great -aloevera- ♀ (74 bytes) () 09/20/2024 postreply 11:48:22

• Here is their official site -三心三意- ♂ (357 bytes) () 09/20/2024 postreply 11:26:33

• Just checked it out. -aloevera- ♀ (75 bytes) () 09/20/2024 postreply 11:44:13

• Yes, all CEF has 30-40% leverage. -三心三意- ♂ (178 bytes) () 09/20/2024 postreply 11:51:32

• Alternatively, you could take a look at PFF -三心三意- ♂ (381 bytes) () 09/20/2024 postreply 11:56:14

• Thanks for all the info. Greatly appreciate it! -aloevera- ♀ (0 bytes) () 09/20/2024 postreply 14:11:37

• 不在加州，该买什么好？ -danielshie19- ♂ (15 bytes) () 09/20/2024 postreply 12:01:29

• Nueveen has offer for other states, check its website -三心三意- ♂ (0 bytes) () 09/20/2024 postreply 12:06:35