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Bobbi W | Question about investing through a bank? |
My bank wants me to put a sizeable amount into an investment portfolio. They get their 1% a year and long term over 10 years they say the market has averaged 10%.
I would rather put it into a 5% CD and not risk loosing all the money. Am I being silly and should I get a more agressive investment strategy. We are talking mid 5 figures. |
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walt17jr
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Moving some of your savings into a more aggressive investment than CDs is a good idea. But I wouldn't go with the bank's program. They just want to lock your money into their accounts. Once it's invested they are likely to ignore you.
A better alternative is to put some into ETFs. A couple of suggestions from Vanguard that will give you a diversified investment with cheaper fees than your bank.
VTI Tracks the US market. 0.07% fee
VEU tracks the global market, except US 0.25% fee.
You can visit their website for more ideas.
https://personal.vanguard.com/VGApp/hnw/funds/etf |
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Michael G
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Quite frankly. DIVERSIFY! The CD is as safe an investment as it's going to get. You don't sound like a risk taker, just like me! Put as much as you would feel comfortable with in the riskier investments, and jam the rest into a CD! Perhaps think about investing in real estate. |
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Richard Jackel
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Hi,
NOTHING IS EVER BLACK AND WHITE. Why don't you do some of both. If you would like some input into the investment side of this please email me what your bank has recommended and I would be happy to make comments on it for you. Please read my profile and lets chat. |
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velious
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Why not just put it into a mutual fund? There are thousands to choose from and range in risk tolerance. Check the money managers track record. 15% a year I'd say should be average, but look around. If you really want a "safe" investment, look at bonds too for the tax advantages. |
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ck-cfp
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I guess it depends on you. If you dont ever want to retire or are planning on inheriting millions of dollars from your rich uncle then choose the CD. If you want to see substantial growth in your portfolio over the long term then choose the investment portfolio (which I am assuming is some sort of stock/bond mutual fund mix). Real compound interest is the only way to get to retirement. Hopefully you are not already retired because 5 figures is not much. |
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$so fresh so clean$
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Why not invest with a mutual fund company? There are companies with fees less than 1% such as T. Rowe Price and Vanguard. Invest in an index fund for nice long term growth, and perhaps some in a CD that yields somewhere around 5.20% to 5.30% and up. That way you have growth and income. |
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MVD34
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Mid 5 figures -- $50,000? I'm sure that's a lot of money to you, but that isn't a sizable amount to a real investment adviser and it sure isn't enough to warrant socking you with a 1% annual fee -- highway robbery!
Put it in the CD. Don't listen to the bank -- They are giving you bad advice.
How old are you? What is this money being saved for? Treasury Direct -- Savings bonds and TIPS bonds direct might also be a good option for you.
80% of a good investment advisors job is listening to his clients need and fears.
20% is using his knowledge to help his client invest well and sleep soundly at night. |
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