 What is bearish? |
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 What the point in owning stock that doesn't pay dividends? |
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 I have $110000, am in the market for a $180000 house. How much should I put towards equity? Invest in market? |
| I have $110,000 dollars in liquid funds. I'm in the market to buy a $180,000 house with my fiance. I would like to know how much I should put into home equity in the form of a down payment, ... |
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www.mensclothingtrends.com
About 8 pages.
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 If you have $20,000, which is the best way to invested.? |
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Red | I have $15,000 to invest...any advise? |
I'm 22 and have been pinching pennies since I was 16. I now have $15,000 in my savings account, but it's just sitting there. I plan to use this money for a down payment on a house... eventually. I'm not sure when that will be, but it may be as soon as December when my lease expires. |
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tool
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Do you really need a house now? You are so young? Plus, the housing market is crap now and will be more so throughout the next year or so.
Heard of the time value of money? It's an amazing thing. Compound interest in other words. Einstein said it was the most fascinating phenomenon in the universe! And it is!
You need to start a retirement account. An IRA. You can only put $3000 max a year, so take 3k and do that. After that, take $5,000 and start your own basket of stocks. If you don't understand them get a book on it, read it, and diversify. Then, with another 3k, invest in an ETF or mutual fund. During all this, have a 401k started at work. Start putting a certain percent away each paycheck-as much as possible. Keep the remaining 4k in a money market saving account. that was you have cash accesable while it gains a percentage.
With the saving discipline you have demonstrated so far, you can do wonders if you convert that now to investment discipline. If you live conservatively and max out your retirement contributions every year starting at 22, you could probably have enough money to retire by 45. I rather have that than buy a house. Live in cheap apartments for now, or get a boyfriend with a house if you need it so bad. You can buy a nice house and do whatever you want in your mid forties! Stick it out for now! |
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aluisious81
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If you don't know anything about stocks or mutual funds, at least get a CD (cash deposit) and earn some decent interest on your money. Savings accounts are crap. You could be getting around 5% annually on that with zero risk and half an hour of effort. |
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Thin Kaboudit
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If you might need the $15,000 in December, then the best place for it might just be the highest interest savings account you can find, because December is not far enough away in time to risk a possible downturn in any other market.
ING has a savings account that pays 4.5% right now, or 12-month CD's that pay up to 5.10%...
Congratulations on saving up such a tidy sum! |
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leon p
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Since your investment time horizon is so short, you should put your money in a money market mutual fund. Vanguard is one of the best. Their Prime Money Market fund averaged 5.04% interest last year- will vary with fed fund rates. The longer your investment horizon, the more you should want to be in equities. |
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i am
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land is always the best! |
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Rick
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First start by opening a 'Money Market' Mutual Fund with anyone of the big fund companies previously mentioned (Dreyfus, Vanguard, Fidelity, etc.). This account will pay you the going Money Market rate (probably somewhere around 3.5 - 4.0%) and will allow you quick access to your money should you need it.
After you're comfortable with the money in there for a while, you can begin to look at their large variety of Mutual Funds to determine which one makes sense to you. The index funds basically track the index you are invested in (S&P 500, DJIA, etc), then there are Value funds, Balanced funds and specific industry funds which you can choose given your comfort level with the risk of each type of fund.
I'd start slow, maybe a couple of thousand in one of the mutual funds and keep an eye on it. See what kind of news makes it move up or down. The more comfortable you get, the more you can move money into these funds (and move them back to the money market account).
p.s. money market mutual fund accounts are the safest because they are invested in very short term (7 days) government issued securities. You are basically holding cash here. |
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T.J. McMillan
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I would say that if you want to put the money down on a house I would keep the money in safe investments. Since you have at least 9 months before you might need the money. I would say looking into a CDs would be your best bet. I would not sugget going into a more risky investment because of the risk of short term investing. You should be able to buy CDs at most banks. |
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Frank Castle
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Open a brokerage account at Zecco and invest in the ETF DIA. |
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Geo Washington
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If you work then put some away in an bank CD or bond based for over 5%, which shouldn't be hard. |
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mark747
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Buy Land, They ain't makin' anymore! |
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comic book guy
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start a cd ladder through an online bank like ing direct. |
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