What Would You Do?

Hard to say without knowing the rest of your situation. Do you have any debt outside of a mortgage? Do you have 3-6 months of savings? Would you be comfortable with that 18k decreasing by 50% to 9k in the next 6 months? 1 year,5 year (Risk Tolerance)? Do you need that 18k for anything e,g, new car, down payment on a home, kids education?

I had an 18 month CD for years, worked it up to 6%! Then last year when it auto-renewed they dropped me to just over 1%. You can be sure I will be taking that cash out to buy SOMETHING shiny this July!

I'd need to know how your entire balance sheet looks, your risk tolerance, future requirements, etc. to really answer. Time and time again though, people tend to think in whole, rather than parts or phases. You could roll over 15, invest 3. Go 6/6/6 with another investment. Whatever. The one thing I wouldn't do is dump 100% in PMs all at once unless I could accept the potential casino outcome that could bring. Good luck.

Good advice by OneBowl. Personally I am avoiding CDs right now because the minimal return is not worth the tied up cash. My portfolio is mainly in stocks at the moment, with about 10% in metals and coins with numismatic value. I've been slowly upgrading some of my silver into higher grade coins as silver has been rising.

My poor grandfather has all his life earnings tied up in cd's and he claims that they are not worth near what they once were. Fortunately he has some rental property bringing in income, or him and my grand mother would be in much worse shape, minus what they already both are in being very ill and close to the end....

Part of me wanted to try an convince him to invest in some gold an silver, but being from another generation, an totally clueless on computer technology and the means an ability to move an sell products in this new technical world, it would be like trying to convince a mule to carry a 200 pound load up a mountain....

My grandfather himself was all about the cd, worked his fingers to bone entire life, lawn mower repair, a junk/flea market guy, buy anything cheap, fix an sell for a profit. Also worked as a meat cutter for years at Kroger, saved every penny, had and lived on next to nothing, just what they needed. I recall story's of living in silver stream in fifty's, pump whale for water, no power, 30 bucks a week earned working two jobs, one 12 hours a day tossing mattresses in a mattress factory. Tied it all up in cd's, and so the rest of the family has sucked him dry, that an the economy, and now he can't hardly see, no balance to walk, smoked filter less pal mals an drank coffee since age of 7 and he is 79. Ten siblings, 3 sisters and 7 brothers all gone now, minus one other sister, the oldest. One even died two weeks after the war in Patton's division, injured in post war skirmishes....

Sorry for the rant, but my point is he never took a chance beyond that darn specialized savings account, via cd's and to me that was a waste, and this is coming form the guy who is so anti gamble, that I will not even waste a dollar on a lottery ticket. That is not always the right way to think in the end I feel now, some times you gotta take a chance....

Well after posting that realize gold and silver can change allot in the next month two months.

Will do not really care to publish my life's financial report on the public INTERNET. Let's just say that money I can live without and everything I have has been paid for for quite a few years now.

Guess I will wait more closer the June maturity date and then ask opinions again, know it is up to me but I like other peoples advice also.

No Way would I recommend buying into PMs right now,This has gone too high too fast....Its your money to lose,but keep a close eye on the dollar index