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Chely | If I'm planning to soon invest 300 a month to something, what is the best thing to invest in? |
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VinTek
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First, as one of the other answers suggested, 6 months of expenses should be saved. Note I said expenses, not take home pay. You want to have money available in a crisis, such as unemployment, but I'd also expect that you'd cut your spending to the bone if that happened. If you have to borrow short-term cash to get over crisis, it could put you in a hole that would be very difficult to get out of.
Second, all high interest debt (like credit cards) should be paid off. If you want to invest, invest in yourself by making sure that you have a level playing field for the future.
Third, if your employer has a 401(k) plan with matching funds, fund your 401(k) up to the maximum point of the match. Free money is good. It will give you a leg up by giving you an instant high return on your savings. What you invest in depends on your risk tolerance. Since you are young, your risk tolerance should be fairly high.
Fourth, if you have any money left over and qualify for it, open a Roth IRA account and fund to the maximum. Tax free growth is good. Again, what you invest in should depend on your risk tolerance. Vanguard, Fidelity and T Rowe Price are all fund families that offer a wide range of choices for very reasonable fees.
All of the advice above presupposes that you will not need this money for a long time. If you have other goals, such as purchasing a home, you will have to make adjustments accordingly.
If you need more detailed advice or if you have unusual financial circumstance, click on my name and drop me a note. I can then fine-tune the advice. |
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muncie birder
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I wish I could tell you the best thing, but I do not know.
300 a month is a good amount to put away. Congradulations. The trick is not to loose it. A decent but not fool proof way to invest it is to purchase a mutual fund with a good track record over a number of years and put your 300 a month into it. Pick a no load fund. Most have a minimum amount to begin with but then will allow you to invest some each month.
Vanguard has an index fund that mirrors the S&P 500. Unfortunately it has a relatively high initial investment requirement of $3,000. Subsequent investments of only $100. The advantage of this fund is that its expenses are low so that more of your money it put to work and even though its performance is nothing to brag about, it outperforms most other funds.
Personally, I am not in favor of that type of fund. I would prefer to look for one that has a better performance record such as PENNX for example from Royce funds. The minimum investment is $2000 and subsequent investments $100. This fund has an annual rate of return of 13.49% since 1972. During the last 5 years the rate of return has been 18% annually. I do own this fund. |
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oil field trash
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Assuming you have a emergency saving account with 6 months take home pay, I would suggest a couple of mutual funds from Vanguard, American Century or Fidelity.
You really should have the emergency fund first. It isn't very exciting but you never know when there might be a need for some money in a hurry. |
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mom of 2
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Roth IRA for your retirement. you can invest up to 4,000 a year in 2-3 really good mutual funds (investigate some of the 5 star funds at T Rowe Price, Vanguard or Fidelity) and you will do very well. I would choose a small cap, mid cap and 1 internaitonal or global fund. Best of Luck. |
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sprdad13@sbcglobal.net
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401K |
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Jose
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Retirement. Life insurance. |
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Smartipantz
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If you have a 401K at your job that provides a company match you should invest in the company plan because they will give you free money to do so. Most plans work something like this: the company will match 2000 for the first 6000 you invest. That is an instant 33% return on your investment.
To learn about different types of retirement accounts look here: http://investopedia.com/university/retirementplans/
If you do not have a company 401K consider a Roth IRA. My favorite company for IRA's is Vanguard. If you are not an experienced investor, choose a target date fund. The way that works is you choose a year you want to be ready to retire, usually between 55 and 67 years old and then pick a fundthat matches that year. Vanguard will adjust your investments gradually until you retire the investments will get less risky as you get closer to retirement age.
Just remember to start early, save regularly, and look for low costs in your funds and the accounts holding them. If you start saving $300 a month now you are making a very good start for your retirement.
All the info you need is here: https://flagship4.vanguard.com/VGApp/hnw/content/PlanEdu/Retirement/PEdVgRetOVContent.jsp?Entry=Homeoffer02 |
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Via Bruce
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Yourself! If you start a home business, you can probably grow an income that will be way more than what most companies will pay you for working for them. You will have tax benefits that will likely exceed the yields that you would get from any standard investments. Once you start making excess profits from your own business, start investing in stocks, bonds, real estate, etc.
I teach people how to start and succeed in their own home business. I do not charge for these valuable lessons. I love giving the help. My reward is your success. Write to Bruce at boatclub@go.com to see if I can discover a business idea for you. |
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Yardbird
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If you're looking for a stable long term investment, start with something like Oakmark's Equity and Income OAKBX (which prospered even during the big crash of 2000-1, although it goes slow in bull markets) or Vanguard's Windsor II. You can buy both of these funds directly from the mutual fund company and save yourself trader fees. Also, they will set up an automatic investment plan, so the money is automatically withdrawn from your bank account once a month. Later you can diversify with some small cap and international funds. You can put your mutual fund shares in a Roth IRA and you don't have to pay taxes on capital gains and dividends. But you can't spend the capital gains and dividends until you hit 60. |
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