 What is the minimum age to put money into the stock market? |
I am 14 and i want to put money into the stock market!
yay
Am i too young?
What should I put stock into?... |
|
 How should I invest my money? |
| I have $2000 saved up. I want to invest it for 2 years. I dont want to invest in the stock market, but something safe.... |
|
 Should I set up my own bank? |
| Given the current financial market I feel I could run a financial institution very well. I'm thinking of offering investment opportunities. I would then spend my time playing with huge sums on a ... |
|
 Is a CD a good choice to invest our wedding gift money? |
| I recently got married and we got mostly money like we asked for, but I want to make sure that this money is invested wisely for our future. I like ING Direct and was looking at their CDs at a 3.75% ... |
|
 How much money do you make in a year? |
Additional Details
what do you do?... |
|
 What is the best way to start Penny Stocks? |
| What kind of site to look for & how much to invest for a beginner.... |
|
|  |
cocacola | What is the best way to invest 100k safely? I am 34 years old.? |
I am not looking for something high risk or aggressive. I just want it to grow annually at a good return rate. Thanks in advance. |
 |
 
SmittyJ
|
Rather than give you the standard asset allocation response I will give you something to consider....you stated that you want to avoid risk....many people your age don't fully understand risk and fail to realize that placing the majority of your money in low return "safe" assets such as cds and money markets is actually a very risky strategy. The reason is that many fail to realize the full impact inflation has on their purchasing power over time. When you said you want to avoid risk what you really mean is you want to avoid volatility.....in order to ensure your purchasing power isn't eroded over time you must embrace volatility as a good thing and diversify appropriately among many asset classes including stocks, bonds, real estate, cash etc. |
|
great_and_mighty_adam_levine
 |
It depends on what you define as risk. For lowest risk in terms of not losing dollars, your best choices are FDIC insured CDs, Government Treasuries, or FDIC insured Money Market Funds.
If you go with anything FDIC insured, get two accounts from different institutions. The FDIC only insures you to $100k per account, and with interest, you will be over $100k fast.
In the long term however, you may suffer from inflation risk. Basically, the risk that the paltry intrest you earn on these safe investments eat away at your earnings and principal. The account goes up, but inflation goes up faster, and you are able to buy less and less.
TIPS (Treasury Inflation Securities) are a type of US government bond that automatically indexes for inflation, and gives you about 2-3% above that. This helps protect from inflation risk, and, since it's a government bond, is a very safe investment.
So, if your timeframe is short, go with money markets. If you timeframe is longer, go with CDs, Bonds, or TIPS. |
|
jseah114
 |
Money market funds. That is the lowest risk, but also lowest returns. |
|
QandA
 |
If you want a safe investment you should check into money market funds or a high yielding savings account. |
|
equityhawk
|
There are a couple of good answers here. I would like to emphasize the importance of a Roth IRA at your age. Whether you have one or don't, you can use the following suggestions.
Blue chip stocks and stock funds are not considered high risk, by definition. I am referring to companies like, IBM, Alcoa, Exxon/Mobil and General Electric. These companies are in a class that can give you what is considered a "good" return rate of 10% to 16% annually, depending on market conditions. If you invest more than 10% in money markets and CDs, the overall value of your portfolio might be disappointing.
At a modest average growth rate of just 10% per year, your investments would be worth $259,374 in ten years. To achieve that kind of goal, I recommend that you seek out a qualified investment counselor, by way of referral. The stock market is a great place to invest your money. It can be a more rewarding experience, if you work with a "pro" in the early stages. You deserve a sensible exposure to the principles of "asset allocation". For the small investor, two of the best investment firms in the industry are A. G. Edwards & Son and Edward Jones. Best wishes!
Hawk |
|
jebediabartlett
|
Go to Fidelity's web page....get a phone number for a rep...they can explain things while you look at your screen or just send you the info...... it won't be a hard sell, they're pretty good about that...but they have everything you need to take care of your nestegg.
I'm guessing right off the bat they'll say take out two IRA's right now..( one for '06...one for '07).... then they'll want to put at least half of what's left into a retirement fund that blends funds and bonds...and there's a wide range of those ( and if you insist on caution, you actually just take out one " designed" for someone older...moves you into more bonds( safer)
If you familiarize yourself with investing you may be willing to risk a little more( even just a 5 or 7 thousand dollar portion.)...put it into something " international" or "global" when you see the difference in a year or so, you may just get "bolder"
BEST OF LUCK! |
|
Rogerg555
|
I would go to Edward Jones, or any other financial firm and tell them your situation and they will come up with a plan that will set you up for retirement with a very comfortable investment account. They will probably recommend a well diversified portfolio with good solid stocks, mutual funds, some cash and so on. Some aggressive that have been proven movers in the past, and some not so aggressive with lower yet consistent returns. going to Vegas is not a very good option though. good luck |
|
Rabbit
 |
If you look at the S&P500 (see it at businessweek.com) and go to their scoreboard, then sort it by profits you will get a list like this: XOM, C, GE, BAC, CVX, COP, MSFT, JPM, WMT, MO (if you want to dump a couple of oil companies, try substituting JNJ and PFE, the next two down). Then divide your money among the 10 you decide on. Most of them (Microsoft excluded) pay a decent dividend as well. I did that in a portfolio for about half of last year and it went up almost 40 percent. |
|
walkinandrockin
|
At 34, most want a little more risk than what you want. I think that real estate is still an outstanding investment that can be very safe. With the $100,000 you can control over $1,000,000 in real estate. If that Real Estate increases in value at a conservative 3% annually, that translates into a 30% return on your investment minus expenses - so realistically 26% after all is said and done.
Beat that in a low risk stock, bond, or CD ! |
|
Frank Castle
|
You cannot get a good return rate without risk.
You have to take at least a 1% risk. (Lose $1,000.00 after a year or make $10,000.00 after a year)
Your goals are unrealistic. |
|
Susan C
|
Try either an Equity Indexed Annuity or Fixed Annuity or both. These are accounts with Insurance Companies that are guaranteed. The Equity Indexed gives you the flexibility of unlimited growth based on the S & P 500, without ever losing a dime when the market is bad. The Fixed is an interest bearing tax deferred account that grows at a higher rate of return then most banks can offer on CD's or Money Markets. Using your age and your goals of no risk I'd recommend about 35% in the fixed, and 65% in the Equity Indexed. Unfortunately people do not know this is a great option for most people (not all), and brokers don't recommend because then they make no more money on that money you invested until the annuity matures. They always recommend stocks, mutual funds, and bonds. Better money maker for them down the road. Message me and I'll give you some names to check out that offer no annual fee or broker fee Annuities. |
|
maylene_biz
 |
Invest in Real Estate, no risk instead it is a investment. It will not depreciate and the price will not fluctuate. If you're interested please email me. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
1 | 22 minutes(s) ago
| | | |
12 | 37 minutes(s) ago
| | | |
12 | 56 minutes(s) ago
| | | |
12 | 2 hour(s) ago
| | | |
12 | 3 hour(s) ago
| | | |
12 | 5 hour(s) ago
| | | |
12 | 7 hour(s) ago
| | | |
12 | 9 hour(s) ago
| | | |
12 | 2 day(s) ago
| | | |
12 | 5 day(s) ago
| |
|
Homepage 
Financial
Forum 
Investing 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
