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 What's the difference between 401k and mutual funds? which one do you suggest? |
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tammiekae2002 | Help with investing? |
how does one invest say a 1000.00 each month and make a significant return ?
Additional Details
i do not know anything about investing, i am trying to learn |
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SWH
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It's great that you and your husband have started investing with a 401K. Even better if his company is matching some or all of your contributions. You have accomplished the first step in your investment career.
The next step is to Max a Roth IRA. You can put in $5000 this year. Roth's are such a great deal because you never pay taxes on them. Also, if you have to have earned income you can also take out a ROTH. Put the money in a target retirement date fund and forget it. I use Fidelity--Vanguard is a good choice too. No fees, low expense ratios, great reputations, great performance history.
Next, put enough aside in a high yield savings/money market for emergencies plus any big unusual expenses you anticipate making in the next 2 years. For instance, if you're going to buy a car in a year, keep enough money plus emergency money in cash--don't put it in stocks. Make sure you're getting over 5%--savings accounts and money markets are paying more than CDs right now in many places. I use Fidelity Money Market (5.%).
Now that you've done the above things, you can invest outside your retirement accounts! If your goals are short term, stick with cash. For longer term goals, stick to index funds. They minimize taxes and fees, have no commissions to pay, and parallel the market returns.
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slavaret2
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To invest, dollar cost average into a good quality mutual fund with a good long term record.
To make a significant return, do your homework upfront and don't get jerked around.
Most people make much less than mutual funds return because they start switching around, chasing past performance, listening to CNBC, etc. If you stay with your fund for 5-10 years, you will be amply rewarded. |
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jeff410
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529 Plans are the best way to invest for college. They provide tax incentives also. Contact your state treasurers office. That is who administers them. Every state except Wyoming has one.
Next, invest in an IRA (Individual Retirement Arrangement) You can look it up on the IRS website. Taxes on the gains are deferred atleast until you retire. You can put in as much as $4000 in 2007. Starting in 2008 you can put in as much as $5000. An additional $1000 if you''re 50 or over.
Next invest in mutual funds. |
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J
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You need to give more info. When do you need the money (how long are you investing for)? What's your risk tolerance? The longer the investment period, the more risk you can tolerate. The more risk you take the more potential to make greater profits, but also the greater potential to lose. Is it a retirement fund?
If you can do it through your 401k you can deduct it from you taxes. You will not be taxed on the gains until you take it out when you retire. If your in a 20% tax bracket an you invest 12000 a year you would 2400 annually just in the initial tax benefit, not to mention deferred taxes on what you earn. Often times your employer will match up to a certain amount that you contribute. This is like free money and you should definitely contribute to your 401k up to the amount they match.
I would not trade individual stocks as a beginning investor. Your best bet is to diversify with index funds. There are several total market index funds that allow you to spread your risk among entire market sectors or even the entire stock market or bond markets. They are also much cheaper investments than brokerage trades or many other mutual funds. I personally invest in the Vanguard total stock market fund and the Vanguard total bond market fund. I put 60% in the stock fund 30% in the bond fund and 10% in a overseas market fund.
Depending on your income you can invest up to $2000 per child annually in an education IRA that will allow you to take a tax deduction for investmenst to be used for you children's education. |
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strudy12000
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Before you do anything you need to decide which area of investment you want to start in. If you are interested in learning the basics of stock/shares investment then one of the best sites to go to is http://asxnewbie.com/ it is completely free. |
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Silas B
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Check out a company called Jamba Juice. It is traded on the NASDAQ under the ticker JMBA. This company has serious growth potential. CHECK IT OUT!!! |
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