If you had $4,000 how would you invest it?

In the Stock market.

If you buy for example Google you would have 8 shares, now its value is U$479.00 if this goes up in one month or two to U$530.00 you hyphoteticaly would have U$4240.00.

Sounds good for you?

But don't buy Google right now, according with my reasearch the stock is likely to fall a little more, wait a few days/weeks.

If you have any credit card debt, wipe it out first. Assuming you do not have any debts, go seek out advice from a good financial planner. This may cost you a bit of that money but he/she will help you establish a portfolio that will put you on track to continue to save and have your investments grow.

Hi there,
The first thing for you to do is to get educated ... make sure you are making the right choice for you.
Visit www.primerica.com, check the principles on there.
Then buzz me an email on caidianjohnson@hotmail.com and let me know what you think.

Don't just look at an investment ... Look at becoming totally financially free!

Good Luck

high yield/risk mutual funds

That's a tricky one because it depends on what was going on with the rest of my finances but assuming I had $4000 dollars I knew I wouldn't need and sufficient guarenteed income I would probably invest it in whatever the american equivalent of a unit trust ISA is, something that is tax efficient and reinvests the interest. Or maybe a fixed term plan with a guarenteed interest rate.

probably buy some options on a very volatile stock. You can turn that into 40k in months with options. A CD is another good alternative (5% safe investment).

You know, that is a good question. I am in the same boat as you at this moment in regards to where i should put my $10,000. So far from my research i am strongly considering ETF (Exchange Traded Funds) ... They are like Mutual Funds but without the expensive management fee (its still there but insanely lower).

So anyway, i am looking to get back a high return so that means i am up for risking loosing it. I am not sure if you are willing to do the same with yours so maybe you should check into a safe mutual fund or a safe ETF that focuses on Indexes because those are safe...the return on them isnt as high (maybe 5%/year on avg -- other years can be much higher).

For me, i am looking for at least a 30% return and so far it looks like i can get that in Emerging markets like China, Latin America or some other ETF that has those types of stocks in their portfolio. You should see these ETF returns for foreign companies...i mean, its like the Dot Com days of old...every one company is posting high stock values .. that is a sign of a Bomb that is going to happen ... like i said it is risky of me but i can afford it for that kind of potential return....this one ETF made 85% for the year...WOW!! That would translate to almost $20,000 for me (almost a $10,000 profit!!).

I was just reading the comments above by other people and CDs might be a good option but as they pointed out the return isnt that great (its very safe -- and insured--that is why the return is low).

I dont agree with the one commenter about dealing in "options"...I have never done them before but i have read that although their prices to get in are low it is very risky if you dont know what you are doing. And just like stocks you have to do your research because if you dont you will likely loose all your money. The book i read about them says dont go into them until your more experienced in the regular trading way (with stocks).

As i said, my best suggestion for you would be a safe Mutual Fund or a very safe ETF. Essentially you put your money into it and forget about until you are ready to cash out. When i say safe i mean ones that follow the Index (e.g. Down Jones Index, S&P, Nasdaq) or invest into big companies that are blue chips (e.g. IBM -- old and reliable). These safe investments will give you a bit higher reutrn than you would get from say a CD but its nothing to write home about ... my guess is between 5% and 10%/year which for you would be around $400 profit per year.

I would call up to all my rich and/or active relatives and friends and rent a private jet to take all of us to the poorest part in Africa, then build schools and invest in hospitals and doctors and teachers to come help. Corny I know, real definitely.

Stocks that provide stock dividends and cash dividends so that you'll have steady income for life
or Bonds or treasury Bill which have give big interest. ;)

CD or savings bond. In 10 years it would be 8,000., 20 years it would be 16,000, reinvest that then in 30 years it would be 32,000, reinvest that and in 40 years it would be 64,000

I'd seek out the bank offering the highest interest rate on a CD (including online banks) and I'd invest it in a six or nine month term, depending upon my surety that I wouldn't need any of the money for that period of time.

Example of your return:

$4K @ 4.95% APY for 6 months would yield $97.64
$4K @ 4.95% APY for 9 months would yield $148.09
$4K @ 4.95% APY for 12 months would yield $197.99

Interest rates vary by geographic location, as well as bank. In my area, this is the CD rate available (if you also have a secondary account there) at Key Bank for a $4K deposit.

Invest in high yield (which also means high risk) funds, and forget about it for 10ish years. Come back, and you have a nice payday to roll into another investment you have coming.

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