Inheritance on the way... best way to invest 500.000$?

I'm barely 19 and i don't want to waste this money, please help me out because i'm confused, where and how to invest? i know this will sound well... i just want to sit in the couch while my money is multipliying. Any detailed info will be greatly apreciated.

You should invest in stocks, bonds, and money market funds. You want to buy a diversified portfolio of stocks, as individual stocks are too risky. For most folks this means buying mutual funds. I like Vanguard.com, other people like Fidelity, TIAA-CREF, and DFA. Buy no-load, low cost funds. If you are like most people you will invest part of your money aggressively in stock funds, and part conservatively in money market funds and bond funds. Vanguard.com 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.

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.

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://flagship.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.)

Go to: FPANET.ORG Find a CFP(R) in your area who works on an hourly basis and uses no-load stocks as investment tools.
Only use someone who is a fiduciary.

Before you even cash the check.Invest it in a 401K. before
taxes. and you won't have to pay taxes on it, until you "retire."
Then, next year, when you are retired, and in a lower tax
bracket. Just live on the interest, and leave the principal
intact.
If you cash it now. You will be taxed for "that amount" plus all
your other income that you have worked for this year.
And that will be a very high tax bracket.
Sitting on the couch, will cause you to get board, depressed,
and lead to heart disease, and you will just have to leave it
all to someone else, when you pass on. Don't be a fool.
So get a job, and be happy, healthy, wealthy and "wise."

Go and see an investment advisor from a REPUTABLE brokerage house that has had decades of experience. This is money you want to invest responsibly.

I don't think half a million would allow you to have a good life without working. unless you own a house and car that is paid off, you can have a middle class life then. invest in stock market would be the bet.

buy a house fro yourself, and start investing in real estate, put some in mutual funds, some in cd's

I would assume you are saying 500K. Now honestly no one can tell you specifically what to do on here. Being a Financial Professional myself, ethically I would not tell you any detailed information without speaking to you and explaining exactly how each option would be taxed and to show you the different potential returns.

One thing I can say is NEVER put all your money into one investment tool. That is one saying that my grandmother said that I have used through life, Never put all your eggs into one basket.

Feel free to contact me about a free consultation. If you like some of the ideas I have we can set up a business/client relationship.

if i was you, get a job if you dont have one, then go buy your self a house thats about 5 or 6 hundred thousand., but only spend about $400.000 on it and then you will have very small house payments, and you can own a house at 19, homes are a great investment and everyone needs one. then with the 100.000 you have left over go buy yourself a nice car or truck for about 20 to 30 thousand, then put the rest in the bank and leave it there.

I wold say, invest in the bank, or invest in a trust worth stock, look it up man, good idea.

Short question with long answer.

Manage wealth is total different from acquiring wealth.

Learn your heart out on asset protection,then investment before you receive the fund. Keep in mind Income is taxable subject.

How to become tax deferred or tax exempt status, then you maybe retain more of $500K or maybe all of it.

If you think of RE investment, land is better than house base on your age. Old saying " God make no more land "

I acquire property nationwide: land, commercial and residential but never become land lord, that is the worse of the RE investment sector.

Good luck.

5 hundred?? or 5 hundred thousand? You are either very excited or have some mathematical issues. LOL Call a financial advisor..SOMEONE YOU TRUST..like through a friend or family adult. Don't just pick one from the yellow pages. Use a reputable, long standing company.

find a Fee based financial planner. People that want to sell you something based on their commision are not looking out for you. find a planner that charges you a fee, they have no ax to grind and look for the best investments based on return, not their commision

Invest the money in stock from a strong big AMERICAN company my parents invested $300.000 in APPLE Inc stock about 10 years for me when I was little back then it was around $5 each stock now is $130+ so you do the math, but what ever you do don't day-trade just sit down with brokers pick a big steady growing company to put the money in and that's it !!

Hi, here is a collection of informative articles about investing. a free online investing tutorial for you.

http://www.investingtutorial.info/

good luck !

wish you make fortune from investing !

right now is a wierd time to put money in to stock, bonds,etc, for the market is really on the edge of falling badly.

Bush/Chenny will surprise us by bombing Iran in a week or two and then a few weeks after that the market will fall hard. it is all over the internet by those profesionals whose business is investments. Be very careful! Read up!

China and the US are fighting over controling the world's money through the central banks {which are privatley owned and make lots of easy money off of interest and forcloseurs.}
We will have to close down the central banks soon and restore the economy with a money system that is not a debt/slavery system begining with removing the Federal Reserve! so it is a volitle time right now.

What do you want to do with your life? do you want a business, then use this as seed money for that. do you want a home, buy one outright. or land. for those things are tangable and grow in value. The money stays with you, and you do not go broke handling bank loans. Some times just a few coffee shops or hat dog stands will bring in more many that "investments". But then you need a good manager or manage it yourself. So I suggest you invest in your dreams, ideas, and what will make you happy as a career. This is a great opportunity!

Just be careful for there are alot of CON men/women who will not do you any good. You cannot put your money in good faith in to anyones hands, brokers, investors, etc. You must learn about anything you want to invest in. There is no easy way! But you can sit on your couch and read some books about areas of investments you want to be in. Take time to find the right investments for you! This place is not full of investment wise people.

All rich people watch and learn about what they do with their invesment money, and they "tell" other people how to handle it. That is the only way it works. They watch it daily with eagle eyes!

You can invest into a private company
Here a a company sale for 500,000.00 ok net profit of 200,000.00 for 5 year net you 1 Mil.
if you what more info email tcb@usa.com

500.000$ is enough to have a comfortable life forever Get a good advise, and invest wisely. Personally I would say buy property in Bulgaria, as you can have a) have a nice profit/income from renting it out and b) profit from the rise in prices of property of 15-18% yearly. Put it in a company (a Ltd. comparible with an Inc.), the taxes are low and next year even lower.But than again, I moved to Bulgaria for that and I'm active in this line of business, so it's in my interest too to show people the huge possibilities in Bulgaria. Welcome to contact me with questions though. Can give you detailled info on this subject wothout costs :)

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