Investing your hard earned money is a big question whether you are a first-time investor or investing it for many years. The period for how long you want to invest and where to invest matters a lot and you need to be aware of the basic information on investing and risk factors involved in both long term and short term investments.
You can invest your money for less than a year in short-term investments. In this, the saving accounts of the banks offer the greatest liquidity. You can withdraw money from ATM on every nook and corner of the street. Short term investment is like cash in hand, cash deposits in banks are insured by the federal government, so there is less risk factor involved. Short-term investments offer very little interest or investment return. They do not offer you to earn much money, but your money is safe.