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kerri_lynn01 | With the economy crashing...is it a bad time to invest in my son's future? |
I don't know anything about finances. I want to open some sort of account for my 21 month old son's future. However, with the economy being the way it is...are interest rates down? Is it a bad time to invest? |
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Laissez-Faire Guy
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Nothing wrong with investing in the middle of a down economy. And no, it's not "crashing." Don't buy into the nonstop media whining and crying. If you are investing in the long term, you'll go through several ups and downs.
Is this for education? Then my first recommendation is to invest in a Roth IRA for yourself. Why would I tell you that? Two reasons. 1. There are no grants or student loans for your retirement. There are for education. Make sure you are secure first. 2. You can withdraw the contributions (not the earnings) that you placed in a Roth if you don't need the money yourself, and no penalties will result.
Then if you've still got leftover money, check out state sponsored 529 plans. There you can invest money and it will be tax free if spent on college. However if not spent on qualified education, there's a 10% penalty + income taxes on the earnings. Most people don't think about this.
In essence, a Roth IRA doesn't require the contributions to be spent in any particular way, and is tax free to withdraw that money. That's why I think it's the best deal.
Where and how to invest? Find a good low cost mutual fund house like Vanguard, and buy mutual funds like the Total Stock Market fund, Total Bond Fund, and maybe a Foreign stock index fund. |
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Terry
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investing in your kids future isnt a rates game... its a personal choce.. no one says you have to play the market with the money.. just open a simple savins acct at anyplace like ING direct where the money grows at 3-5% a huge plus over your local bank.. you cant lose, just saveaway and it will make college or whatever easier to pay for.. |
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Cliff
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when the market goes down like this it could be a good thing or a bad thing for your investment depending on what you planned to do. If you were looking to simply do CD's then yes it's a bad time (since you asked about interest rates). If you are looking to buy stocks / mutual funds then it's pretty much a great time since prices are much lower and you can buy more shares. |
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keypointist
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When share values are relatively low it's generally a good time to invest some money in shares for the long term. Shares have to be bought at a low price in order to make a big capital gain obviously. YA isn't the best place to get professional standard advice when it's your own money you're risking so I recommend you speak to a professional independent financial advisor. Foolproof advice however is that you invest in a wide range of assets such as cash, property if you can afford it and shares. Investing monthly payments into an index tracker fund is a good way to invest indirectly in shares at a lower cost than buying and selling shares through a broker. |
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zygote222
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Be careful about making long term investment decisions based on legitimate, but possibly incorrect, worries about the economy. There are any number of scary headlines to make you concerned, but the economic situation actually looked worse a few months ago than it does now. The S&P 500 stock index is up over 10% since the middle of March. That reflects investors' belief that the worst of the financial crisis might be past. If you had been thinking of opening up an account for you son back in March, but held off because "economy was crashing", you would have missed out on a big profit in just a couple of months.
The point is that no one has a crystal ball that accurately predicts the best time to invest. Opening up an account for your son while he is still young is the best move you'll ever make for his financial future. I would do it as soon as you can. You can reasonably expect that money invested today will make a big profit by the time he is old enough for college, regardless of how it does in the next few months or a year.
P.S. you should put your son's investments into a stock mutual fund rather than a safe, but low yielding, bank account. With some 16-17 years to invest before he starts college, you should be investing for long term growth, not preservation of principal. |
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Desk3Bound
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Don't forget, you can always shift around your investments when the economy goes back up again.
You did say Future? So in the future the economy will not be the same as it is today. That is what you should be attentive. Planning for the future also works in investments. |
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gregory_dittman
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A market crash is a good time to invest. Recovery tends to be quick as in less than a year to five years. So let's say a $100 stock dropped to $20. Chances are it may rebound back to $100 in 5 years or less.
Bonds are a poor choice to invest right now. Yields don't beat inflation plus taxes.
You may want to stick to future relevency meaning you want to invest in companies or countries that will grow while your son is growing. You don't want to invest in a has been company. Even the brightest minds sometimes can't tell the difference there. |
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Royael
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There is a little book called, "The Richest Man In Babylon". It's a wonderful little book......Doesn't cost much...Please get it....It helped me and I'm certain it will help you....Smile. |
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clayjar_azn
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It is a good time to invest for the long term.
Open a 529 Plan for your son and put in money every month or quarter. 529 Plans are investment for his college education.
You can also invest in mutual funds or ETFs. I would avoid investing in a stock as you don't have much experience with stocks. |
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Mike P
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This is a good time, but if the market goes lower it will be a better time.
I am looking at leveraged ETF's.
UYG and URE are my favorites.
These funds try to double the movements of their areas.
URE is Real Estate and UYG is the Financials.
These should be used as long term holds.
I think people would be crazy to think that the U.S. real estate market and the Financial market would disappear.
Buy these two etf's and hold for at least 10 to 15 years and you will be pleased.
Also, note that the Nasdaq has returned about 14% on average sine the mid 1975. You could purchase QLD and try to double these returns for the next couple decades.
Please remember that these ETF's double your risk and return. I would only be concerned if you think that U.S. financial markets are going to disappear.
If you have questions or are looking for more info,
send me an e-mail, inmytreee@aol.com
Good Luck. |
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FLUFFY
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It i snever a bad time to invest in your child future just choose wisely. |
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jonas s
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best time to invest but be carefull, diversify and make sure you stay on top news relating to invetmentsyou own
below are 2 of my favs
CWF - $7.00/SHARE, a 12.85% dividend paid montly 1.07% monthly ( paid on last day of month) , liquid trades on NYSE ; Chartwell Dividend & Income Fund Inc. is a closed-ended balanced mutual fund launched and managed by Chartwell Investment Partners, L.P. The fund invests in public equity and fixed income markets of the United States. It also invests in convertible securities, or preferred stocks. For the fixed income component, the fund invests in non-convertible debt securities consisting primarily of corporate bonds. It employs fundamental analysis to create its equity portfolio. The fund benchmarks the performance of its portfolio against the Standard & Poor's 500 Composite Index. Chartwell Dividend & Income Fund Inc was founded in June 24, 1998 and is domiciled in the United States
HOLX ; Hologic - diversified medical technologies company serving the women's health-care market. The company specializes in the screening, diagnosis, and therapy of many major women's health issues. Hologic operates in four segments: breast health, diagnostics, surgical, and skeletal health. THIS IS THE TYPE OF BUSINESS THAT IS NOT AFFECTED BY THE SLOWING ECONOMY ALSO GROWTH BY AN EMERGING FEMALE MIDDLE CLASS IN ASIA AND EASTERN EUROPE IS OFF THE CHARTS |
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