I'm am new to investing if you had $100000 just sitting in a?

savings account how would you invest it thanks

Standard investment advice is that you should invest in a diversified mix of stocks, bonds, and money market funds. You want to buy a diversified portfolio of stocks as individual stocks are too risky. Most folks have a dificult time buying a properly balanced portfolio of stocks on their own. They will misbalance their portfolio by buying all small stocks or all growth stocks, or some other misbalanced assortment of stocks. 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 you are like most people you will invest part of your money aggressively in stock funds, 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.

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.

Buying a house instead of renting will save you a lot of money in the long run. You don't have to pay rent and you build equity in your house instead. Buying rental property can also be a good investment. However, being a landlord can be hard work, and many people are not good at it. If you don't know how to handle deadbeat renters, you can have trouble.

If you have high-interest debt, like credit cards, it is best to pay this off first before trying most of the investment ideas above. You should also have 3-6 months of salary saved up as an emergency fund in a bank or money market fund before trying more risky investments.

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

Because you have a lot of money to invest, I would consult a financial advisor you trust. Someone with a lot of experience can help yuo determine your goals and how to achieve them. I use someone from UBS who I LOVE.
The best way to make money by investing is to diversify.

You can also do it yourself, but make sure to do TONS of research first.

Depends on how old you are. First, open an IRA account and plan for your future. Next, open a 529 and plan for college. If you have kids, do the same for them. If you aren't a home owner, now may be a good time to invest in real estate since sellers are slashing prices. Find a home you could live in, or maybe a multi family where you could live and rent. That would take care of your future neccessities. With what is left over consult a financial advisor regarding stocks, bonds, mutual funds, etc.

Personally, I would enjoy a little by taking a vacation or throwing a banging party...but that's just me. I am sure you saved this money for some other purpose. But remember, you can't take it with you so why not enjoy it while you can. You never know when your last breath will be.

First of all put it in the highest interest-bearing savings account you can find, then talk to a financial advisor about your situation, risk tolerance, age, dependents...etc.

Any advice you will get on here you can assume it is bad, because noone knows your particular situation. It of course would be good to pay off any outstanding debt you owe.

Don't go for stocks. Since the stock market is not going so well, overseas investments would be the best choice.

Starting a small business would be the way to go if you have time.
Alternatively try to invest in someones business. You may receive up to 20% guaranteed interest a year. You will not get such high guaranteed returns on stocks, mutual funds, bonds or CD's.
If you invest $100,000 at 20% annual interest rate, you will get back $120,000 in 1 year. I run my own business and my net profit is over 5% a month (over 60% a year).

Email me at investment4us@hotmail.com and I'll give you a valuable advice if you are serious about investing. Please don't forget to mention your nickname and question at Y.A.
Best of luck!

i would invest 50,000 in the stock market in a bussiness that is doing well with the national debt and then i would invest the other 50,000 in a small bussiness and start my own game/movie store cause thats a rising field today with the nation boost games are becoming more popular

I would check finance.yahoo.com for up to date, real-time stock updates. We were doing this thing in my computers in business class called "Simustock" (a stock market simulator that follows the real stock market prices.) I bought Google stocks (ticker symbol: GOOG) for around $650 and sold them a month or two later at around $720. After, it dropped down to $695 then jumped to around $750!!! Google would be one to invest in, but I would ask investing and broker companies first. $100000 is a lot of $$$.

In response to your question , my name is Evelyn and i recently started my own home based business, it's going slow but steady. you could invest in my company . what i do is take calls for jobs, housing and other forms of services and provide resources for my potential customers. http://sisters.spruz.net
Thanks for reading. Ms. Harris

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