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Luke H | I have money! help!? |
so i have inherited some money, i want to make good use of it like make more money out of it through investment and business etc any advice? thanks
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by the way, the currency of the money is British pounds. and i am young and know nothing! |
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John A
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I can tell by the way you phrased the question you are not experienced in this arena. Its not a bad thing but it means you should find someone you trust to guide you through it. I agree with the person below who talked about finding a good fianncial planner who you can trust. Ask someone close to you that is successful for a referral to someone. Do not just go to your local bank, make sure you research who you deal with, but make sure you get one.
They will help you prioritize and customize the plan of action for you, its what they do for a living. You really hav an opportunity to "get ahead" financially with a lump sum of money at a young age, don't screw it up. |
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exs214
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well while you read and learn about investing, put it in an etrade account and you'll earn 4% interest, whichi is pretty good compared to CD's, and you wont get penalized for taking your money out if you need it in an emergency. Then after you feel confident to invest, you'll have a little extra to help |
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John C
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depends on the amount of money.
Right now the market is unstable Cd's might be your best option until it is stable. |
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Daniel S
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several things about the previous comments:
-dont go into CD's. reason being that with the federal funds rate (the one the federal reserve has been adjusting recently) low banks can borrow money at that rate (only a little more than 3%, if I remember correctly) they will pay a low amount. If you bought a CD right now you would be losing money (effectivly, not dollars and cents wise) because inflation would be making your money worth less faster than you are making money with the interest.
-dont put money in etrade for several reasons. 1-you get a 5% yield at Fidelity, 4% at etrade
2-there is a very good chance that etrade could go bankrupt which means that you may not be able to get all of your money back
-DRIP plans are a great idea and work great for a retirement account, just make sure you pick the right companies to DRIP.
where to put the $:
a retirement account is one idea (I would suggest a Roth IRA). If you do decide to go this route you will then decide whether or not you want to take the time to activly manage your portfolio, if the answer is no than you should buy some stocks which will do well even in a recession and do a dividend reinvestment plan (DRIP) with them. some examples of these include:
Johnson & Johnson--everyone needs medicine whether they are financially streched or not
Consolidated Edison-- this is a utility. people will buy their electricity whether or not they are tightening their financial belts
another option is buying bonds from a company (as oppose to the government). when times get tough financially company bond yields go up because there is a greater chance that the company will go under, however if buy from the right company you should be just fine. I would restrict my bond buying to:
-fortune 500 companies
-companies that no one is worried about (at a core level financially)
I personally would look at buying bonds from big banks at the moment (except Citi). you can probably get help with this through someone like Morgan Stanley (but remember they are trying to sell you a product so take what they say with a grain of salt).
hope that helps |
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Knox
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I would not advise using a financial advisor, unless you are talking about a substantial amount of money. You did not list how much you inherited, so I will assume it is a modest amount. A financial advisor is going to give you some very basic suggestions and then take some of your money.
Your first option should be to fund fully a retirement account. This is always a good investment regardless of who you are.
If you have done this, or you wish to wait on the retirement fund, then one of the best things you can do is open a DRIP Plan.
They are seldom talked about because brokers make very little money when they suggest them. Yet, they have proven to be one of the best, if not the best, long-term strategy on Wall Street.
The best part is you get to choose from the best Blue Chip International Corporations in the world. You can have Toyota, General Electric, Royal Canadian Bank or McDonalds in your portfolio. Although there is always risk in stocks, these Blue Chip giants offer far less risk than most.
They are inexpensive to start and maintain, and your dividends are reinvested for free.
They are perfect for small investors, as well as big investors. They will allow you to sleep at night and not care about whether the market is going up or down.
Look at all suggestions closely and make an informed decision. You are probably an intelligent individual, you can make a wise decision based upon the facts.
Best of Luck |
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K.A.M.
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I believe that the best investment depending on your age and risk profile is the S&P 500 or a global international fund with a low expense ratio. I think there is an S&P 500 with a very very low expense (less than 0.10%). I just don't remember what its called.
Someone suggested Etrade and I will open a bank account there next week to put my money so I earn the 4% interest on my checking account. |
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May Derrek
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Hello,
I also had a similair problem as you have.
I had a good amount of money, and wanted it to grow.
So I looked around on the internet to find something that is:
1) giving me great returns towards a relatively small risk
2) Professional people who know what they where doing with my money.
I'm glad to say I finally found a moneymanager who is capable of giving me good returns and give me a great support.
On this blog you can follow up all the results that he is making:
http://my-robottrader.blogspot.com/...
My money is working for me, in a little over two months I already have a ROI of 58%.
So you don't hear me complaining!
Annyway if you would like to get in touch with my moneymanager to have some more information feel free to contact me you can send an email to me at derrekmay at gmail.com.
Hope this has helped you! |
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Raven7578
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diversify, diversify, diversify
mutual funds, CDs, high-interest savings accounts. stay away from stocks right now. mutual funds may bounce around right now, but they will eventually go up.
here's an interesting idea for CDs:
lets say you have 3000 pounds. you should put equal amounts (1000 pounds) in five different CDs: a 1-year, 2-year, and 3-year CD
This way, your money is MAKING money consistently, and every year you have a choice of what you should do with your money next. It's better than leaving it sitting in a savings account! CD rates are much higher now as well because of the slumping market.
Or, you can resign to living a life with less money and paypal me some of your inheritance at ravenmoe@www.com
thanks!! |
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kerry B
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I would get the advice of a proper financial advisor. Banks can help you too. When I inherited money I invested my my money into a long term investment where the money simply keep rolling over with interest. |
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Shaun R
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Invest in the stocks. You could make great returns doing that. Here is a great website that can help you out. |
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Dude
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Well, forget CDs. I promise - avoid them.
What you need to do is set you up a plan - for the future.
You need to invest in the stock market. And you need to be strategic about it. There are many financial advisors that can help you with that.
The most important thing is to invest in some investments with these characteristics
* Professional Money Managers
* Long Track Records
* Diversification
* Set up to meet your goals.
You haven't provided enough information about yourself, goals, etc...to give you a recommendation, and either way you probably don't want to take any specific advice over the internet.
But trust me, Put your money with the pros, Get you some exposure to:
A. Large cap US stocks
B. Mid Cap stocks
C. Small Cap Stocks
D. International Stocks
E. Small exposure to Gold/Real Estate Stocks
F. Emerging Markets
- If you are older, maybe some exposure to bonds.
Do a google search for "Future Value Calculator" and do a hypothetical to see how much money you COULD have in the future given a certain percent ------ maybe use 10%
Remember - Don't put it in the bank, and no CDs!!! Get a pro!! |
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johesuf joehezupfs
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look up banks in the cayman no taxes cds are safe there |
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Lax
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small business would be good idea based on the amount of money you have...small gas station or motel is a good investment
Hope this helps :) |
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Arquitect82
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but multiple businesses, mines and get into real estate, find a financial asesor to help you |
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