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cmhohioman | I'm due to inherit from my father $400,000 worth of stock.If I invest this in mutual funds/Bonds? |
I'm due to inherit $ 400,000 worth of stock.If I invest this with a investment bank in mutual funds and Bonds how much yearly income can I potentially earn a year.I work as a Registered Nurse so therefore I'm not a wealthy millionaire.I would like to use the yearly income to allow me to purchase a condo.I rent currently. |
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muncie birder
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For many situations, your rent savings will pay for your condo. All you require is a decent down payment. Assuming $140,000 condo about 30,000 down will do nicely. That will leave you $370,000 to invest. Oh, do not let the executer of the estate sell the stocks. Tell him/her you want them. You can sell them yourself at most likely better commission rates. The executer probably does not care what rate are paid. Do not invest it all in fixed income. Too risky. Maybe half if that much. Assuming 6% return on the fixed income and 2% on equity investments you should have an income flow of about $14,800 annually. You should also see over a long period of time about 5 to 6% increase in your net assets from the equities portion of your investments. |
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Emperor Norton II
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It's been said before, but bears repeating: your situation requires the services of a profesional -not a forum. Your issues have issues. Taxes, retirement, real estate, income funds...there's no way to answer your question correctly here. |
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barry_robbins_98
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It's sounds like you have a pretty good plan already. I am sorry about your family's loss. If you want my advice, I would put down 80% of the condo's price, and take a mortgage for the remaining 20%. Whatever money you have left over should be split. Half goes to safe investments, like dividend-yielding electric utility stocks. I like Florida Power and Light, symbol FPL. They are the largest owner and operator of wind farms in the country. Plus they are Florida's electricity provider.
I would also take on some risk. I really like alternative energy stocks, but this should be a very small percentage of your holdings.
If you want to find great investment ideas, you should see what the best investors are buying and selling. You can find this information at http://www.top10traders.com - this is a free site that lets you create a portfolio of stocks with $100,000 in "play" money. Each day the site ranks the best performing portfolios, so you can see how your picks perform compared to other investors.
Good luck. |
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David545
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With professional financial guidance, you should be able to get 7% or more return on the investment. (When you do the calculations, remember that the income from these investments will be taxable. Depending upon your income range, figure at least 30% for federal and state tax.
Using those numbers, you would get $28,000 on the investment (while letting the principal remain at $400,000, less taxes of $8,800, or a net return of around $19,200.
You can get a higher return than 7%, but the remember that the higher return, the higher the risk factor.
Good luck. |
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besthusbandever
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if you invest that money say in a good balance mutual fund, like from the American Funds....lets say on average you make a gain of 10% a year.........you could set up your account to have them send you a check each month for $1000.00 which you can use to pay for a home ( I have no idea where you live or the cost of living) and leave the rest alone to hopefull grow in the stock market....so on average if you can make 10% a year, you will be spending 3% of that and leaving the 7% gain alone to keep growing inthe future........if you get the proper investment help, you can make yourself very wealthy with that kind of money....best advice I can give you is to not spend any of it unless you really need to, and get it invested in good conservative mutual funds and LEAVE IT ALONE.........AND YOU CAN MAKE YOURSELF RICH.......AND DON'T TELL YOUR FRIENDS THAT YOU HAVE ALL THAT MONEY........THEY WILL ALL WANT TO BORROW MONEY........ |
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so far north
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If you don't have experience with investing, then you should definitely talk to an investment advisor. A few bad mistakes, due to inexperience, and you can lose a bundle in a hurry!
An advisor can evaluate the type of investment, the risk you're willing to take (in return for a higher return on the investment), etc.
Don't "play" with this kind of money!
In addition to that, with all due respect to the people here, the people on this forum may or may not have any experience in investing. You shouldn't blindly trust the opinions on this forum. |
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oakhill
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The amount of yearly income potential depends on the particular funds/bonds that are selected. Just for round numbers, if you get a 5% annual return, you would have $20,000 per year, before taxes and not reducing the principal. If you receive 10% per year on your investments, that would be $40,000. Of course, the higher the return, the higher the risk assumed in the investments. |
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lolipop
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i have currently over 25K in mutual funds and get approximately $125/mth depending on the type of mutual funds u get into. U whould be able to get over $2000/ mth. To buy a condo u gonna need a down payment .If u expect to put ur inheritance in mututal funds it will take u a short while to come up from the interest paid with a down payment. Use some of ur inheritance to put it down on a place then put the rest into funds. Use the mthly interest to pay ur mtg! or use the whole inheritance toward a place then live rent free. Depending on the interest rate the bank would offer u it could be beneficial for u to put that $ on a place and save ur monthly paycheck? |
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Gustav
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I'd say, put half in the stock market for the long term, maybe a fund or an ETF(exchange traded fund) the best are SPDRs(SPY) or Vanguards(VTI) but there are many, The other half into bonds and you can spend what they produce but it would be just over $800 a month. Of course if you use some of it for a down payment on a home then you have less to invest. |
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STEPHEN J
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I think buying your home is a good idea. After that, use Yahoo! Finance's stock screener to find good companies and buy stock in them. Don't buy mutual funds, at least not for the long-term.
Mutual funds have managers and employees who all have to get paid, and often, the advice they give and the way they manage your money doesn't outweigh the cost of that management. Stocks are much more direct, they cut out the middlemen in the mutual fund who get paid out of your earnings, and so are more profitable over longer periods. |
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italiatom
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I'll just guess but I'm going to say your no older then 45.
If you earn 7% a year for the next 20 years your 400K will magically turn into $1.6 million. I'm pretty sure 7% won't be that difficult.
I bet with 400k socked away you could get good loan that will put you into that condo you want. If not use some of the 400k as a down payment. but be careful, 300k at 7% will only yield 1.2 million in 20 years, a loss equal to your current 400k.
Hire a financial planner. You have tax issues to deal with. Interest income from bonds will be taxed at your marginal income tax rate. I guessing ~22% cumulative for you. qualified capital gains are currently taxed at 5-15% until 2010, but will revert back to 28% after (psst the DEMS just took the Congress--they will go back up.)
good luck. |
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