11.   Another quality the two investments have in common is less auspicious.

12.   Any investment has to make financial sense, and investors may be better off choosing their own stocks and funds rather than paying someone a fee.

13.   After all, this investment has a five-year time frame, after which you will be drawing upon it for an income stream.

14.   But an immediate tax cut would attract campaign contributions and votes, so investments in the future will have to be forgone.

15.   But Spanish investment still has the singular advantage of not being American.

16.   But that investment has a payback in employee morale.

17.   But the investment has a catch.

18.   But to others in the field, the investments can have subtler consequences.

19.   First, whether you chose CDs or Treasury Bills, your investments would have stated maturities.

20.   Foreign direct investment in developing countries has more than tripled in the last five years, and the World Bank expects that to go on.