Whats a good investment.? for beginers!?

say you have a couple 8 G's and u dont have nothing to do with it well u do like buy a car and stuff. but anyways u would prefer to invest it and dont know much about buying houses and all that stuff so what can u do to invest it?

would u recommend something please?

who would waste it just on something and it took u like 3 yrs to save that money up.. what would u do if u were to invest it?

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 portfolio 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 -expense 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 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.

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

First of all, its the better time to Invest for a beginer. If you have 1lac rs. to invest I will give you suggession to Invest 50% of it. After that if looking that market is going down you should put your another 50% to make the averageof your portfolio. And if it going ups then you can book your profit for short term and can look for long term also.

Depends on the investor. Some investors are comfortable with more risk than others. In todays market which is slowing down you may just want to buy a 6 or 1 year CD. In that time the market may stabilize. Im not an expert or anything but im a finance major and in my junior year of college. If you want to get some really good tips google "the motley fool" and it has several strategies for beginners. Best of luck. Just remember that if you do invest in the market, stay diversified. (dont put all your eggs in one basket)

If you want to let your money work for you and earn some big profits.
I would suggest you to take a mannaged forex account.
http://my-robottrader.blogspot.com/

This are the results of my mannaged forex account.
It's going verry well, and at thus rate I will be able to retire in a few years!
Annyway if you want to know more about these accounts just mail me (email adres on my blog) and I'll bring you in direct contact with my moneymannager.
There you can ask all the question you want.

Your first option should be to fund fully a retirement account. If you do this, and you have extra cash, then one of the best things you can do is open a DRIP Plan.

Go to : low-cost-stock-recommendations

.com

Click on the "DRIP's" Button on the Navigation Bar

These powerful investment plans are seldom talked about because brokers make very little money when they suggest them. Yet, they have proven to be one of the best, if not the best, long-term strategy on Wall Street.

They are perfect for small investors, as well as big investors. They are safe and allow you to not care about whether the market is going up or down. They are a must for any serious investor.

If you decide you are interested in DRIP Plans, click on the advertisement on the same page "$4 to purchase stocks". This will answer your next question, which is, How do I get started? and what is the least expensive way to get started?

I strongly recommend looking into it. They are great plans.

Good Luck

Better put your money in Belarusian bank. You will get a 13% rate of interest with NO RISK AT ALL because all deposits are state insured.
Put $10,000 and get back $18,424 in 5 years (compound interest). No fees.

For more details please email me at bestinvest@land.ru (with your Yahoo Answers nickname).

Good luck!

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