Investment???????

can someone please help me. I did the whole forex thing, but didn't work out. Can anyone tell me where i can invest that is a little less risky? thank you

Standard investment advice is that you should invest in a diversified mix of stocks, bonds, and money market funds. You want to buy a diversified portfolio of stocks as individual stocks are too risky. Most folks have a dificult time buying a properly balanced portfoilio of stocks on their own. They will misbalance their portfolio by buying all small stocks or all growth stocks, or some other misbalanced assortment of stocks. 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 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. 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

Sorry about your misfortune. I would love to help you but it is impossible to give you any advice without knowing something about you. Age, investment time frame, what it is exactly that you are trying to accomplish, etc. etc.

Please read my profile and send me an email so we can chat a bit. Hopefully we can come up with some good sane ideas.

age? amount of money? home owner? Money in the bank? 401k??

If you're looking for sophisticated investment advice on this website, then you're in trouble from the start. There is not enough time and room here to teach you even the basics. Also, remember that there is no requirement that anyone on this website know what they are talking about. You can sometimes find some good advice here, but there is a lot more bad advice.

You have various options available. Check with your local community college or adult education program to see if they have classes in personal finance. You can also find some good books on the basics of investing at many bookstores.

If you want to be successful, you need to put some time and work into educating yourself. There is no quick, easy way to success. Putting money into markets without understanding them is not investing. It's gambling.

(P.S. Forex is a great place to lose money if you are not an experienced, sophisticated investor. I've been investing successfully for over 20 years and even I won't touch that. Sorry that you had to learn the hard way.)

Another avenue that many people go into is into Private Offerings. There are many debt offerings etc out there and retuns can be very high.. I myself have invested in some that would more than double your money in a year paying out monthly. ..But be careful.

Hello, Boxing C!

I'm not a financial guru, but I am getting around 50% annual interest. I can help you to invest your money with no risk in a way that best suits your needs.
You need to be careful if you do not want to be scamed, and lose your money.
E-mail me more information about your plans and needs, and I'll give you a good advice. Check my profile.

Good luck!
Lucky AL

Do what the "master" (Warren Buffet) does...only invest in things you understand.....it sounds simple and it is....

If you don't understand microelectronics, don't invest in Intel....if you understand Snickers bars/Colgate toothpaste/etc., invest in those companies......

invest at mocdonals please

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