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Jordan D | How much can I make a year from $200K? |
I'm looking to supplement my income while finishing school, and I have anywhere from $150K to $200K to invest freely. I want a yearly return, and to pay all my bills I need about $20,000.00. Is it unrealistic to expect a more then a 10% return? What are my best bets? |
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Cysteine
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If you are relying on the income to support yourself, then get something safe that is not volatile. Not to short change the stock market, but there is a risk/gamble. Which means stay away from it, unless you are a very savy investor.
In your shoes i would split the money and buy a CD from 2 different banks. You should be able to get a guranteed 4.5 to 5.5% return. Another benefit is that the FDIC gurantees all federally regulated bank accounts up to 100k.
It's not the 20k a year that you are looking for. But a guranteed 10k a year, with your investment being 100% protected by the federal government I think is a better deal. |
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Franco
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Yes. Anything above CD rates is a matter of chance. There is a saying on the stock market
"10% per annum, perhaps". |
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Dave
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First, its unrealistic to expect a yearly yield of 10%. You can expect that over a 10 year period or longer but not on a year to year basis.
Maybe a good idea would be to break up the amount and split it into chunks to spread amongst some different investments.
Put one slice into a good money market account (Etrade has one yielding 5.05%).
Put another slice into a one year CD (I've seen rates around 5.5%).
Put another slice into a high yield bond fund from Vanguard, Fidelity or another quality mutual fund house (yields around 7%). These are junk bond funds so be aware that the quality of the bonds in the portfolio are of lower quality.
And now comes the tricky part, you can actually get some higher yields but they come with greater risk. Take a look at EAD and PGH, both pay monthly dividends and yield quite a bit (10-14%). So if you're willing to take the risk, put a slice into one or both of them. They both will have prices that will fluctuate so you can make or lose money on the initial investment.
Never invest in something you don't understand so do your research. Good luck to you. |
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curious george
 |
Expecting a 10% or better return isn't unrealistic. The stock market averages something like 13% in the long term. However, expecting a 10% or better return every year is a more difficult expectation to meet.
Since you need to use the income generated to pay your bills, you need to find an investment vehicle that will generate 10% or better returns every year.
Your best bet is to look into dividend yielding securities. In fact, I took a look at some treasury bonds and I found that there is a treasury bond that yields 10.375% annually.
T-BOND 10.375% 15-Nov-2012
http://reports.finance.yahoo.com/z1?b=1&so=a&sf=m&stt=-&pr=0&cpl=-1&cpu=-1&yl=10.00&yu=-1&ytl=-1&ytu=-1&mtl=-1&mtu=-1&rl=6&ru=-1&cll=-1
You'll want to speak with an investment professional, but investing in something like the treasury bond I mentioned above will be your best bet.
I've also heard of private companies working out loan/investment agreements in which you give a loan to the company, the company pays you annually, and you're also given the option to convert the loan amount into an investment in the company. This type of deal is inherently more risky, but if you play your cards right, you can get that minimum annual return and still reap some of the benefits of investing in a growing company.
Good luck!
EDIT: You've asked this question twice already and received some decent advice. Just curious as to why you're asking a third time. If you could explain what wasn't answered before, or be more specific about what you really need it would help us to help you better.
:) |
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ontopowrld
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Try investing in "covered Calls" Do your homework. |
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dunkadog8
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a 10% return is realistic. over the last 100 years the stock market on average has returned around 10%, some year much more and some years you lose money. the steadiest investment I have ever seen is the balance fund from the american funds, over 30 years it has only lost money 3 times and has over a 10% a year return. |
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Cool Lucy
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your best route is to invest in aggressive stocks if you want that kind of return on investment. |
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truttman
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Unless you are a savvy, active investor and not risk-averse, yes, it might be unrealistic to expect more than a 10% after-tax return. To answer the second part, I'd need to know many years are you willing to have your money tied-up. |
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Thin Kaboudit
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It is not unrealistic to anticipate a 15% or better annual return ON AVERAGE over a long period of time (with a sound strategy), but it is nuts to expect even close to a regular, guaranteed annual return of 10%, I'm afraid!
On $200,000 you could get perhaps 6% in a deposit account (yielding you $12,000 a year), or you could buy a series of "laddered" CD's over the next few years to take advantage of any rate increases (and diminish the impact of any decreases).
Good luck! |
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snook_er74
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When you say freely, it can mean different things to different people. Will it pinch if you invested and lost about 10% in the next couple of months?
If you have a decent risk appetite and willing to take a little risk there are several options available to you.
Most people will give you the same old, CD's, Bonds, or mutual fund advise. However, there is so much out there that you may have never considered and it could have been worth trying even if you are new at it.
Drop me a line, maybe I can put forward some more options. |
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