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BN'W | Another newbie with 10k needs your investing help!!? |
I am looking to invest 10k. now, and $300-$400 monthly.
I have enough put away to live on for at least 1 Yr.
I have been doing alot of reading on investing(investing for dummies) and watching the Q@A on YA. and CNBC& Bloom
I would like to know what my best options are.My goals are:1 To have enough money in 2026 to send my daughter to college.(she is 18 months old now)
2. To have a nest egg for my golden years(I am 41 yrs. old now)
3.To have some money avalible to me if needed
.I know that I should deversify my money, but I'm not sure where Some people say I should talk to an advisor, but I would rather manage my own money. I have plenty of time to do this.
But i must admit I am not sure where to start or when (Market bottoming soon?
Mutual funds seem safe, but after taxes and managment fees there doesn't seem like much money to be made.
Alot of people suggest ETF's But again not sure how to start.
I would like to take a small amount of this and play with it(something short?
Additional Details
I already have a small emerg. fund 3K |
 |
 
Joe
|
Standard investment advice is that you should invest in a diversified mix of stocks, bonds, and money market funds. If you are like most people you will invest part of your money aggressively in stocks, and part conservatively in money market funds and bond funds. Vanguard has an on-line questionnaire which will give you an idea of how to do "Asset Allocation," determining how much to put in each type of fund.
You want to buy a diversified portfolio of stocks as individual stocks are too risky. Highly knowledgeable people can buy a properly balanced portfolio, but most folks have a difficult time balancing things on their own. They will misbalance their portfolio by buying all small stocks or all growth stocks, or some other misbalanced assortment of stocks. Back in 2000, Some people bought all internet stocks; they got burnt when they all crashed together. You have to diversify across industries. Unless you know what you are doing, it is best to buy mutual funds. I like Vanguard.com, other people like Fidelity, TIAA-CREF, and DFA. Buy no-load, low cost funds.
If your company offers a 401K plan at work, try to invest the most you can. The money grows tax free, and some companies will match your contribution. Investing in a mutual fund IRA is also a good idea. If you have children, you may want to consider a 529 plan or other college savings plan that grows tax free.
I like index funds. Because of their broad diversification, you are less likely to have a dramatic drop in value. They also have the lowest expenses. For stock funds, I would suggest putting ~70-80% of your money in the Vanguard Total Stock Market Index Fund. and ~20-30% in a foreign stock index fund. However, there are many different opinions out there on what the best mutual funds are. Read the links below and form your own opinion.
Believing advice you get on Yahoo answers can be risky, so read these websites for further information. If you find it too confusing, contact a professional financial advisor. They will charge you significant commissions, however.
Sources:
http://www.vanguard.com/VGApp/hnw/planningeducation
http://www.fool.com/school.htm
http://sec.gov/investor/pubs/assetallocation.htm
http://www.diehards.org/readsites.htm
http://finance.yahoo.com/education/begin_investing
http://finance.yahoo.com/funds/basics
Asset Allocation Calculators
(Determining how much to put in stocks and how much into bonds and money markets is a personal decision depending on your financial status. These Asset Allocation questionaires give you a rough idea how to do this. I like Vanguard best, but try some of the other sites as well.)
https://personal.vanguard.com/VGApp/hnw/FundsInvQuestionnaire?cbdInitTransUrl=https%3A//flagship.vanguard.com/VGApp/hnw/planningeducation/education
https://ais2.tiaa-cref.org/cgi-bin/WebObjects.exe/DTAssetAlcEval
http://www.ifa.com/SurveyNET/index.aspx
Web forum: http://www.diehards.org/
(Many investment web forums are overrun by scam artists. This one seems the most legitimate site.)
529 plans: http://www.savingforcollege.com |
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Swaminathan P
 |
it is the right to invest in stock market in a phased manner - that is what you have already planned.
Now market is weak - big investors are sitting on the fence/sidelines. small investors are looking for Honorable exit. Stock market is falling down.
In war game one look for attacking enemy when he is weak - it is the time to attack stock market (gambling)
economic recession is not going to last for ever.
when market is booming with draw from market - as another fall cannot be avoided - it is a cycle having up and down - the present trend is down and
there is going to be up trend soon |
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Donald B
 |
Your first option should be to fund fully a retirement account. If you do this, and you have extra cash, then one of the best things you can do is open a DRIP Plan.
These powerful investment plans are seldom talked about because brokers make very little money when they suggest them. Yet, they have proven to be one of the best, if not the best, long-term strategy on Wall Street.
They are perfect for small investors, as well as big investors. They are safe and allow you to not care about whether the market is going up or down. They are a must for any serious investor.
I strongly recommend looking into it. They are great plans. |
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Jasper
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Personally, I don't believe you need to waste money on a financial advisor. The advice they are going to give you is common sense.
Look into a retirement plan and take the other guys advice and start a DRIP. They are great plans and give exceptional returns over the long-term.
Good Luck |
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polygen
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Your best solution.
- It may be a good idea for you to start at an inexpensive online broker such as Scottrade.com,
I use them myself,
As for investment strategy, If I were in your situation I would simply buy a total market index like VTSMX, and dollar cost average.
Since you have the to ability to sock away $300-$400 every month you have the distinct advantage of being able to buy at various points in the market that work to your advantage.
Volatility/dips and swings are the best thing about the stock market for someone with a long-term out look such as yourself.
Signing up with Scottrade is easy, just visit their website. Also, buying the mutual fund with them is simple.
The mutual fund VTSMX, as I mentioned before is a Vanguard total stock market fund, I mostly buy Vanguard funds, if and when I buy mutual funds because they are the cheapest as far as expense ratios.
So if you buy the fund every month and stay the course, I guarantee you will be a rich man in the future. Many people can't believe it but compounding can make you a millionaire.
In your case I would caution on buying individual stocks, and bonds.
- Besides, since your time horizon is in the future you don't need to buy stocks.
- One more thing, don't use some hotshot broker from wall street, and the reason is simple, why pay someone for something you can do yourself.
- hope this helps. |
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justin c
|
If you are so unsure about investing that you are seeking advice from Yahoo Answers I would suggest that you get a financial adviser. I would meet with several and find one that is fee based, not commission based. Warning signs for a bad adviser are: 1. suggest whole life insurance 2. only tries to sell you from one Mutual Fund Family.
With your goals in mind I would stick with Mutual Funds. Individual stocks are gambling. Mutual Funds are investing.
Most of the advice you have gotten here is crap, but good luck anyway. |
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offsore b
|
Try this!
Forex trading profits!SPEND $10 FOR GETTING $15 AFTER 3 DAYS.Minimum $10 Maximum $5000
http://2015894.e-gold.com |
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Derrek M
|
I had the same problem as you have.
I had a good amount of money, but didn't knew where to invest it.
So I looked around for something that gave me a great return towards a low risk.
And the only thing I could find was a mannaged account.
Here you can follow up my results of every day:
http://my-robottrader.blogspot.com/
I'm verry excited because I already have 40% ROI in one month and a half.
My moneymannager is giving me great support, and answer all of my questions almost immediatly.
Annyway feel free to contact me (adress on my blog) and I'll bring you in direct contact with my money mannager. |
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Jason Alexanders
|
I agree that seeking an advisor is essential; however, the type of advisor I'd go to would either be a CPA or a fee-only planner since you want to pay them a specific amount to tell you how to manage your money. I'd go for an hourly service or one that charges $600-$800 for one year of service. However, that might not be necessary since you already have a savings/investing plan in place. As you are 41 years old, you cannot take on too much risk.
70-80% stocks is the maximum in my conservative opinion! I give you two options later on. I'd prioritize the retirement savings by dedicating $350 per month and I'd put $50 per month towards the college education. I'd put the college thing into 100% stocks and I'd put the $350 per month into a balanced fund of some sort. I'd sock away $10,000 in cash for an E-Fund since that will be probably 2.5 months of an E-Fund assuming your expenses are $4,000/month. I'd grow it to at least 6 months. Of course, you are talking to someone that is conservative and someone with a more aggressive risk posture may make you (or lose you more money). With the balanced fund on the $350/month and the 100% stock fund on the $50/month, you should have 65% stocks that you will allow to grow into 70% stocks and begin to start selling after it grows above 75% stocks (assuming the 100% stock portfolio does extremely well). That's one strategy you may want to employ; although you give up the gain on the balanced fund by not fully investing into the stock market, you are taking on less risk and that way you might be more certain of your results.
I believe the stock market looks great over the next 3-5 years. Beyond that, no one can be sure.
Exchange-traded funds are a wonderful investment due to low expenses and a well-diversified portfolio. As a starter investor, absolutely only pick index ETFs (the VTI, EFA, and VWO's of the world). Because of your age, you will also need bonds in the portfolio and you may want to look at Fidelity and Vanguard for bond selections or simply buy 3-7 year intermediate bonds to make up the bulk of your portfolio. Don't pick individual company stocks or sector ETFs; they are for more experienced investors. Surely, don't go after individual stocks. |
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Doc H
|
Try this,
No need to guess.
In fact, do Nothing!
http://automaticforextrading.blogspot.com/ |
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