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The graph below shows what the return on this strategy would look like. I was a bit surprised at just how well it did. Clearly, preserving capital, even when it is stashed in unsexy, lower yielding savings accounts for long periods of time, is a better strategy than riskier investing in an inflated market. Let me repeat, according to this analysis capital preservation is the name of the game, not getting every last bit of return out of a tired stock market.

Here we will go into much greater detail about a wildly popular alternative to mutual funds in the late 1990's. We will look at how they work and examine the pitfalls so you are able to make an informed decision when you are considering adding this product to your portfolio.

And, in case you missed it, here is a very brief summary of what has transpired in the meantime.

Capital One Direct Banking is offering another $50 bonus to open a savings account or money market account online. To get the bonus you need to open an account and fund it with at least $10,000 by 11/25/2009.

ING Direct if offering a competitive 2.25% APY on a 12-month "Value Added" CD when it is funded with new money.

Here is a short series on how it works. How does your broker get paid, and how to get the best bang for your buck. Happy Investing

BABs; you have probably heard of them, how can you not, so let's take a look and see what they are all about.

Hudson City Bank if offering a 2-year CD that pays 2.50% APY. That's the top 2 year CD rate according to the BestCashCow rate tables.

Nearly everybody, especially us men, like to think we are somewhat of a market timing guru, when in fact I have only ever seen one person who could ever time the market effectively. So maybe it is time we began following the old addage, you gotta be in it to win it, and begin investing. Good Luck and Happy Investing

Is the economy headed for a recovery or are we getting ready to sink back into recession? Is the stock market rise for real? Since reaching a bottom of 6,448 in March the market has risen to nearly 10,000 in late September (9,820). Despite the markets rise, bond yields have remained flat.

Before pulling the trigger on a mutual fund, you may want to read the prospectus; well you may not want to, but it can be useful.