Good As Gold

Here is a low-risk play on the hot, highly volatile gold market. It's a five-year, FDIC insured certificate of deposit with the interest rate tied to gold bullion. Your earnings depend on the average price over the next five years. So if gold is $500 per ounce when you start, and the average is $600, the CD would pay off at 20%. But if the average falls below $500, you get your principal back. Minimum investment is $1,500.

These gold bullion certificates of deposit are available from EverBank, which you can find in our list of Links.

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