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Despite low interest rates, opportunities remain for savvy investors. Would-be capitalists should be wary, though. Any investment opportunity requires research.

MONEY MARKET FUNDS. Low interest rates have devastated many of the money market mutual funds that invest in highly liquid and safe securities and pay yields tied to interest rates. But a few still yield above 1 percent, according to iMoneyNet. One of the highest-yielding funds is available through PayPal: It offers a seven-day compounded annual yield of 1.16 percent.

INTERNET BANKS. Online banks, with lower overhead, often pay higher rates on savings instruments than bricks-and-mortar banks. Bank of Internet USA, for instance, offers a 2.35 percent annual yield on deposits of at least $1,500. Presidential Online bank pays 3 percent for Internet Checking Plus, with a $1,500 initial deposit, a $1,000 minimum balance and direct deposit of at least $200 a month.

JUNK BONDS. A number of new investors are exploring the higher-risk, higher-yield debt instruments known as junk bonds, said Michael Lewitt, president of Harch Capital Management Inc. Junk bonds are corporate-issued debt notes with credit ratings of BB or lower.

These investments can offer yields as high as 50 percent, Lewitt said, but they're not for novices.

"Ninety-nine percent of junk bonds are completely mispriced for the risk they offer," Lewitt said. "They can be quite dangerous. It's Russian roulette for the uninformed investor, and half the chambers are loaded."

REITS. Real estate investment trusts have become popular, said Stephan Cassaday, a certified financial adviser in McLean, Va.

Investors are drawn to the high dividends these portfolios of real estate, or mortgage-backed securities, have lately offered. But Cassaday thinks the sector is about to turn.

"The question is, how much more can REITs go up?" he said. "They've gone too far too fast."

Cassaday has reduced REIT allocations in his clients' accounts to the minimum permissible under his investing guidelines, after being at the maximum two years ago.

LADDERED BONDS. Investors who want to stay in Treasury securities are advised to buy a mix of durations, said Chris Cooper, a certified financial planner in Toledo, Ohio. This is known as "laddering." "There is a better than 90 percent chance that interest rates are going to rise," Cooper said, so investors should limit how long a commitment they make. Cooper recommends dividing a bond portfolio among instruments with durations of one, two and five years.

PREFERRED STOCKS. If you're more interested in income than growth, you might examine preferred stocks, Cooper said. Preferred stock is a class of equity that pays dividends at a specified rate and gets priority over common stock in the payment of dividends and liquidation of assets. Companies typically issue preferred stocks in lieu of issuing more debt.

Oppenheimer's Capital Income Fund seeks out equities that pay high dividends, such as preferred stock. In the quarter ending this month, Class A shares of the fund paid a dividend of 8.54 percent. The fund charges a one-time fee of 5.75 percent on A shares and has a yearly expense ratio of 0.98 percent.
Copyright © 2003, Newsday, Inc.

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