Need help to invest my money?

came into a bit of money and im looking to see whats the best way to make my money work for me. Looking to invest some of it but i dont know where to begin and anyone will some good advice it would be greatly welcomed.

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://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.)

529 plans: http://www.savingforcollege.com

You can invest in a Money Market, or CD if you don't need the money anytime soon. Or a house/condo!

You post your profile on this webiste and then lenders come to you. I recommend trying

http://www.creditloansonline.com

First thing you should do is have a set amount to invest. Secondly there are several options to chose from low-risk to high-risk. Low risk options are Certificate of Deposits and Treasury Bonds. These don't create large amounts of money but do give a constant return. Medium risk options are IRA's, Money Markets and Mutual Fund Programs. These give normally better than low risk yet not as much as high risk options.High-risk options are Stocks and are high risk because you have a greater chance at losing money on the investments.

try http://goldenbullstocks.com and do your own research

talk to a financial planner,,,,not people you don't know or don't know you

Hi,

iÂ´d advice you invest as this verse says:

19Lay not up for yourselves treasures upon earth, where moth and rust doth corrupt, and where thieves break through and steal:

20But lay up for yourselves treasures in heaven, where neither moth nor rust doth corrupt, and where thieves do not break through nor steal:

21For where your treasure is, there will your heart be also. Matthew 6:20-21

---Greetings---
Grace be with you

I don't know how much you came into so I can't/won't give you specific advice. I will say if the amount is substantial than I'd find a good CFP (Certified Financial Planner) and speak with him/her about how to best put the $$$ to work for you. Otherwise I'd take some of the money and invest in educating yourself about investing...In fact I'd do that regardless of using a planner...Read: The Intelligent Investor by Benjamin Graham; The Battle for Stock Market Profits (or any of his other titles) by Gerald Loeb; A Random Walk Down Wallstreet by Burton G Makiel. There are other books out there, but these are the classic market primers. PEACE!

I am not a financial advisor by any sort, but I am an investor. I would suggest this, learn for yourself. With MINIMAL exception every suggestion you will get, makes someone else money. I don't invest in those suggestions...

I learned long ago to step over the Pennies offered by the CD's, Stocks, Mutual Funds, etc. to Pick up the Hundred $ Bills in REAL investing that you control.

caball_llc@yahoo.com

And No I don't want your $, you got it, now make it work for you!

You need an advisor- feel free to email me cityofchampions_pa@yahoo.com
many questions needs to answered first-
How much do you have?
How old are you?
Do you need any income from these funds?
How aggressive would you like to invest? (probbaly answered in age question) etc.

Dont get fooled into a poor investment. and dont pay someone over 1% to manage your assets. like i said email me

Open a brokerage account at Zecco and I will help you for FREE. (I am a Portfolio Manager with over a decade of experience in the Stock Markets)

well since the market is over inflated and ready for collapse. all the rich are buying up gold world wide. its why gold has tripled in the past 3 years. hard metals is the thing for security.

same thing happened prior to the Great Depression if that is a sign for you.

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