 I have about $2000 and would like to invest it. which is wiser, to invest in stocks or invest in unpaid taxes |
I have tried to invest in real estate { flipping houses } and failed miserably.
however I would still like to invest , but slowly this time.
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 My 6 month old son received $100.00 USD as a present. What would be the best way to invest it for him? |
Additional Details
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 I have $10,000 I can NOT risk, and I have $1,500 more that I can risk, what are my investment options? |
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spider12 | I want to invest about $200K. Do you know what is the effective way of investing this money.? |
I like to get good return. I am willing to take some risk. I am 49 yrs. old. I like to take less risk on this money. Any good suggestions?. (Mutual funds, Stocks, IPOs, VCs etc.) |
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Joe
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Standard investment advice is that you should invest in a diversified mix of stocks, bonds, and money market funds. If you are like most people you will invest part of your money aggressively in stocks, 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.
You want to buy a diversified portfolio of stocks as individual stocks are too risky. Highly knowledgeable people can buy a properly balanced portfolio, but most folks have a difficult time balancing things on their own. They will misbalance their portfolio by buying all small stocks or all growth stocks, or some other misbalanced assortment of stocks. Back in 2000, Some people bought all internet stocks; they got burnt when they all crashed together. You have to diversify across industries. 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 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 |
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kidd3422
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If I were you, I'd take a look at a few different options. I'd look into taking some of the money and putting it into a mix of mutual funds. Right now, things are definitely undervalued and you can get some great buys. If you're looking to have an advisor, look into American Funds. They are one of the most solid mutual fund companies out there and provide great breakpoints. They have choices that can provide a solid base for all of your needs. Their Growth Fund Of America is one of the most solid performing funds ever.
If you're not going to deal with an advisor, look into No Load funds like Fidelity, T Rowe Price, Dodge and Cox, and Vanguard. They all offer solid funds with good management.
I'm not sure what you want to do with this money, but I would take some of it and buy shares of a solid blue chip company like John Deere (DE) which is a solid company that consistently does well and pays a dividend. Abbott Pharma (ABT) and Baxter(BAX) are both companies I hold in my portfolio. They pay dividends and are consistently returning 10% +.
Feel free to contact me if you have anymore questions!
If you're looking for risky, with the possibility of a great return, I'd look into Anadigics(ANAD), CBIZ (CBZ), Avalon Pharm(AVRX), |
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jpd t
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Good day,
We are now ready for an investor who are willing to invest in a small-scale mining industry here in the Philippines.
we only be needing an amount of $ 75,000.
For more informatin about the matter please do contact me through my e-mail address-jpd_trading@yahoo.com
thank you |
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Brendan Prewitt
 |
If you are looking for specific investments, rather than generalized ideas, then I would encourage you to take a look at my blog, to which I have included a link. It has my portfolio of 18 stocks, along with a short summary as to why I like each of them. This could be a great place for you to start your search, as it includes all of the basic information you need to know about the companies. So check it out, and vote on the polls if you get a chance, as I am trying to evaluate where people's mentality is (it'll also give you an idea of what people are thinking). Just a thought, I hope it gives you some ideas.
Best of luck!
Brendan Prewitt |
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Science Guy
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What is the one investment banks will always lend on (at least if you are credit worthy)? Stock? nah Bonds? nope Mutual Funds? uh uh
Real estate. every time
If you put the $200k in a CD earning 5%, that will make you $10,000 / year in interest and lock up your money. If you put that $200k on a house that your can rent for $1,000 / month, that puts $12,000 / year in your pocket. When you calculate your return after taxes (you get to depreciate the house every year which creates "phantom cash flow" off your taxes) it is probably more like $18,000 / year. 18,000 / 200,000 = 9% return on your money.
Now, you can also use that $200,000 to put 20% down on $1,000,000 worth of real estate. Imagine having a portfolio of rental units worth $1,000,000 dumpng $1,200/month into your pocket. Now is the *perfect* time to buy real estate and you're making 9% on your money BEFORE appreciation.
Stay away from stocks, bonds, drips, mutual funds, cds. Once you buy those, there isn't a damn thing you can do tomorrow to increase the value of them. You can only wring your hands and pray.
Buy real estate and you can control how you increase the value of those investments every day.
Good luck and we'll see you in the Millionaire Club in 3 years. |
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je_golds
 |
Hey evening...
Firstly stay away from Philipino mining scams. Sheesh....
Saw a recommendation for American Funds. I'm a huge fan of them. I'm a financial advisor with Edward Jones Invesmestments. Quite a number of my clients own American Funds.
You need to determine what your risk tolerance is. Then really think about what & who the money is for. And consider the time-scale.
A well balanced, diversified portfolio is a beautiful thing and will serve you well in a number of different market conditions. Please email me -- jason.goldsberry@edwardjones.com ; I'd be glad to give you some ideas & help you avoid some potential pitfalls. |
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Derrek M
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I had the same problem as you have.
I had a good amount of money, but didn't knew where to invest it.
So I looked around for something that gave me a great return towards a low risk.
And the only thing I could find was a mannaged account.
Here you can follow up my results of every day:
http://my-robottrader.blogspot.com/
I'm verry excited because I already have 40% ROI in one month and a half.
My moneymannager is giving me great support, and answer all of my questions almost immediatly.
Annyway feel free to contact me (adress on my blog) and I'll bring you in direct contact with my money mannager. |
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MM
 |
Try this,
No need to guess or taking much risk.
Only $1000 or even $500 to deal with.
http://automaticforextrading.blogspot.com/ |
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Celso F
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I´ve been investing for more than 20 years and trading for almost 14, and I can tell you that if you want to make BIG and FAST profits, I recommend you trading rather than investing,
My experiences as a Nasdaq Market Maker, Head trader of seveal brokerage firms, and currently as a professional trader and private hedge fund manager, I can sugest you that:
We trade because we want quick, short term profits on a consistent basis. We want to cash flow the market. Milk it like a cow.
Make consistent, small, short term gains rather than trying to hit a home run on every trade. Don't ever forget that.
Don't marry a stock, marry the idea of making money trading stocks. That's the only way to do it.
For me "All stocks are equally worthless”
I don't hold on to any illusion that the stock market will continue to go up and provide a nice retirement for me.
I could care less which way the market goes. It's irrelevant to me if the market goes higher, crashes or moves sideways for the next 50 years. I really could care less. Stocks are just four letters with two prices next to them that I use to make a living trading.
Trade ONLY when you have a clear, easy and identifiable advantage, because without a CLEAR EDGE your odds of success are NO better than a flip of a coin… That´s why so many new traders (and investors) lose money.
Take a look at any daily chart of any index or stock and you'll probably see the most volatility and the biggest opportunity for profit during the first Hour of the stock market's opening.
The popular thinking and conventional wisdom is that you should wait about an hour before you start trading.
But if you do, you'll miss the big, fast moves that stocks make as all the amateurs let their emotions out through their online accounts, usually right after they read some news headline or hear Maria Bartiromo go off about a stock on CNBC.
It's easy to see why trading the open is the market's prime time for profiting from other online traders.
The market's open is very volatile - that is the perfect environment for LARGE, FAST profits.
Learn to trade as a professional Market Maker ,not as an emotionally driven amateur trader or investor with few thousand dollars in an account at Etrade.
There isn't any other time during the day or any stock you can invest in, that can make you 1, 2, 3, 5, 7 or more points in minutes OTHER than during the first hour the stock market is open. That's why I love trading the open so much.
I trade only when I have an edge and that means "only the fisrt hour the market is open".
If you are a beginning trader, you can give yourself an unfair advantage in the market trading this way.
I can continue giving you a lot of advises about how to make money trading, but if you ask me:
"What is the best thing you can do for me or that I can do for myself?
Go to this hiden site and learn the BEST guarded system on making the largest and fastest day trading profits you´ve ever seen...
www.onehourtrading.com
After you review this site you won´t need any other system, strategy, book, software or mentor to tell you what to do,
you will be able to find big profits opportunities evey day, and don´t rely on anybody.
Good luck and good trading,
Celso F. |
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belinda.velez
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You can try investing some in a proposed 21st Century bank, Legacy Bank, based in the nations second largest bank capital, Charlotte, NC.
Legacy Bank (proposed) is offering for purchase a minimum of 2,420,000 shares of its common stock to capitalize the bank. Shares are offered at $11.00 per share, with a minimum subscription of 1,300 shares. Shares will be available for purchase until March 31, 2008. In addition to cash purchase, Legacy Bank shares may be purchased and held in various types of retirement accounts, as well as in traditional brokerage accounts. |
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andrew
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Invest in bank stock now or wait for another 10 % correction . I think they have almost bottomed out. With low interest rate and govt stimulous we should see some gains in september 08 |
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Mary Ann V
 |
Unless you have a good deal of knowledge about mutual funds, I would not invest in them. About 75% of them under perform the market. They all have management fees, usually between 1% and 2%, and some have sales loads.
With a large sum of cash like this, I would be very conservative. Normally I would not recommend a Financial Advisor, because they just give you common sense strategies, however, this is a very large sum of money and you do not want to lose money.
Question a financial advisor if you choose to get one. If he seems dead set on selling you mutual funds, please know that this is one of the ways they make great commissions. Ask for track records of particular funds, management fees, sales loads....etc....
One thing you might consider with a portion of the money is a DRIP plan.
These powerful investment plans 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.
They are perfect for small investors, as well as big investors. They are safe and allow you to not care about whether the market is going up or down. They are a must for any serious investor.
I strongly recommend looking into it. They are great plans. |
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