What are some best instruments in Canadian market for 3 - 6 months investments? I have no knowledge of options/derivatives etc, so mainly looking for other alternatives here.

EDIT: On a scale of 1 - 10, if I divide my capital in 2 parts, for one part, risk is high (~7), other part, risk is low (~3)

Only 3 - 6 months because I cannot block money for more than that time. I bought a condo and all my liquid cash is now gone.

EDIT # 2: from the responses, I udnerstand, 3 - 6 months is too short. If I increase the horizon to 18 - 24 months, how do my options change?

  • What kind of investments? Where on the spectrum are you between either (a) preserving your capital, or (b) taking wild-ass risks where you might lose it all? And why is your time horizon only 3-6 months? Apr 1, 2011 at 18:43
  • Please see EDIT.
    – Victor123
    Apr 1, 2011 at 18:48
  • upping the the timeframe to almost two years does not change the advice much. +1 for MrChrister
    – sdg
    Apr 2, 2011 at 0:51

2 Answers 2


You are a saver, not an investor. Your time period is simply too short. You are stuck putting your money into less productive, but safe savings accounts.


Unless you have insider information (ILLEGAL!!!) don't go high risk over this time frame. It makes about as much sense as betting on the horses.

Stick it in a 3 or 6 month GIC at the pathetic rates the banks are giving.

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