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How should i invest my money? |
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Are we in a Bear or Bull market? |
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Which is a better investment? CD or IRA and why? |
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NikelMan | How should I invest $150k? |
I have 150k sitting in money market , earning just 4% .
Anybody have any ideas on how to invest, it is too late to jump into the stock market ? how about real estate? party is over ?
I have no mutual fund in my portfolio, only $5k in Vanguard Mid cap VIper. VO. and some large cap stock that is not performing well.
I have $30k worth of Short /Mid term tax exampt bond fund.
Think about VHT, and VB, any input on that? |
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dsrikump
|
You can't think that it's too late to jump in, that's a rookie mistake. There are always opportunities that can be exploited. For example right now the US economy is starting to show signs of turning around. But why would you want to invest in an economy that is just starting to heat up. Why not invest in an economy that is proven to be already underway and improving.
For example, everyone is talking about how the Chinese are doing well, they are doing well because they are in an expansion phase of their economy.
There are pleny of other economies that are in this expansion phase, Australia, Canada, and Brazil are all doing very well.
Part of this is due to economic expansion, part of this is due to the falling value of the dollar and the rest of it has to do with the fact that these countries, have exceptional commodities that they can sell to the rest of the world and that commodity prices are constantly moving up.
I recommend reading Jim Rogers most recent book about commodities and if you're convinced then I'd recommend that you buy shares in these countries. I will supply links to good ETF's below and the book in question.
I highly recommend EWC |
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Frank Castle
 |
HSBC is currently offering 4.80%
I also know a Company currently offering 9.60%
It is always a good time to invest in the stock market.
You cannot really invest in real estate with just $150,000.00 you cannot even buy a house with that kind of money in some markets. Real Estate is not really an option for you unless you want to invest in REITs.
If your Mutual Funds are not performing well. I suggest you to sell them.
I suggest you to stay away from Bonds.
If you need more detailed information about the stock markets you can drop me a line.
Top 10 Answerer in Business & Finance. |
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tstohr
 |
Well, I'm no real investor, but it depends on your risk tolerance level and your goals. Are you looking for short-term or long-term investments? I assume since you're not satisfied with your 4%, that growth is one of your primary interests.
The stock market is always ripe, you just have to know where to look. Overseas: China and India are BOOMING. You might look for opportunities there. Also, if you have the time, intelligence and stomach, you might try day-trading with penny stocks. This is, needless to say, very risky, but the return can be quite impressive in a short amount of time. You just have to be very diligent about it (i.e., you are constantly buying and selling).
You could also invest in a promising small business, locally. I know someone who did that, and he was repaid within five years, and gets like $15000 free money, annually, because the company was incorporated and he owns the majority of the shares (initial invest was roughly $75K).
This, of course, is very risky, too, but there are always entrepreneurs looking for investors. If you structure the deal right, it can be quite profitable.
Finally, U.S. Savings bonds are STILL a great buy, and they are pretty safe. You can double your money in like 20 years. It's long-term, but a 100% return can't be beat. $300K guaranteed after a set amount of time.
Good luck to you. |
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Mohit Madaan
 |
I have a lot of business ideas to start a business but all i need is $$$$ which i don't have, So if you can lend me $10k I can get you a good interest rate. I know its very hard to belive some one over the NET whom you never met, but its all a trust game. If you can lend me this money, of course i know my talent and one day i will be a big businessman. I am begging this money, i just need a busines loan but at my age its very hard to get a business loan in India, i am just 19. I work 17 hours a day so that i can get enough to start a business.
If you think i am genuine let me know i can get you the idea of business i am planning to start.
mohitmadaan@gmail.com |
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scottishtiger
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property in scotland ,
in my area its gonna double in the next 5 years or so |
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emmatearle@btinternet.com
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give it all to me,im skint ! |
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jodyboy17
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you could give me a couple thousand for equipment and supplies and when i go pro i could give you a percentage. |
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reallyno
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diversify, spread it out. |
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palmerinski
|
Clearly, how you should invest these funds depends on your investment horizon and risk tolerance. If this is a long-term investment that you won't need any time soon and you are only moderately risk-averse, I would recommend investing in a lifecycle fund or retirement-date based funds offered by Vanguard or some of the other leading investment houses. The Vanguard 2045 fund is low-cost (~0.2%), very well diversified, expected to offer a high long-term return, and will decrease in risk as you approach retirement. |
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