How would you invest 25k? | TigerDroppings.com
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wegotdatwood
Member since Aug 2009
17094 posts

How would you invest 25k?

I don't have a dime of debt other than my house (150k financed, 3.25% 30 yr)

I make 46k, wife makes 40k and we have our first child on the way in the fall.

I may be getting about 20 to 30k soon lump sum. Currently, we have $7,500 in a roth, wife has 1k in a traditional. Mid 20's.



I was thinking buying a rental, it's something that I'm interested in and would be an easy to fill being in a college town.

Thoughts?
This post was edited on 6/5 at 3:40 pm



LSU0358
LSU Fan
Member since Jan 2005
5676 posts
Online

re: How would you invest 25k?
quote:

I was thinking buying a rental, it's something that I'm interested in and would be an easy to fill being in a college town.


Real Estate is a great idea. I'd recommend having something where the rent will cover (or come close to covering) the note.



jmtigers
Southern Miss Fan
1826.71 miles from USC
Member since Sep 2003
3773 posts

re: How would you invest 25k?


ThaBigFella
LSU Fan
baton rouge
Member since Apr 2006
2043 posts

re: How would you invest 25k?
Its really up to you man. If you ask here you might as well be asking on bogleheads bc they're gonna tell you to index it, and sure that's an awesome level of safety but it's ultimately your money and if you have the balls and desire why not go after your instincts and give a whirl at some company you feel has a shot at growing?

I personally don't index, never have, never will, not knocking those who do, but I'm a dividend growth investor, I seek out companies whose yield has grown annually over a certain amount of years. I use dividata.com to do my homework, and I suggest you do the same, buying SPY is so blah.
This post was edited on 6/5 at 3:53 pm


wegotdatwood
Member since Aug 2009
17094 posts

re: How would you invest 25k?
25k is much less than 120k.


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Fat Bastard
LA-Lafayette Fan
Paradise
Member since Mar 2009
18870 posts

re: How would you invest 25k?
quote:

I was thinking buying a rental, it's something that I'm interested in and would be an easy to fill being in a college town.

Thoughts?



sure but as i have said many times before make sure you are getting at least 200 PCF from that not counting vacancies and maintenance. save at least 6 months of that cash flow for what i stated above per property.


I Love Bama
Alabama Fan
Alabama
Member since Nov 2007
34043 posts

re: How would you invest 25k?
quote:

I'd recommend having something where the rent will cover (or come close to covering) the note.


Regular Donald Trump


wegotdatwood
Member since Aug 2009
17094 posts

re: How would you invest 25k?
quote:

at least 200


Should be pretty easy in Fayetteville.


wegotdatwood
Member since Aug 2009
17094 posts

re: How would you invest 25k?
What do you suggest? Don't you own a few pieces of real estate?

If anything, it would give my kid a place to live in college.


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Fat Bastard
LA-Lafayette Fan
Paradise
Member since Mar 2009
18870 posts

re: How would you invest 25k?
quote:

I'd recommend having something where the rent will cover (or come close to covering) the note.





stay away from giving out RE advice. thanks.


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Fat Bastard
LA-Lafayette Fan
Paradise
Member since Mar 2009
18870 posts

re: How would you invest 25k?
quote:

Regular Donald Trump



funny eh?


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Vols&Shaft83
Tennessee Fan
Throbbing Member
Member since Dec 2012
26975 posts

re: How would you invest 25k?
quote:

I'd recommend having something where the rent will cover (or come close to covering) the note.




Image: http://www.reactiongifs.com/wp-content/uploads/2012/12/hGCzJ.gif



Image: http://www.reactiongifs.com/wp-content/uploads/2012/11/homer-pizza.gif


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rickgrimes
LSU Fan
Member since Jan 2011
2999 posts

re: How would you invest 25k?
quote:

I'm a dividend growth investor, I seek out companies whose yield has grown annually over a certain amount of years

What are some good dividend paying stocks to have in your portfolio?


Fat Bastard
LA-Lafayette Fan
Paradise
Member since Mar 2009
18870 posts

re: How would you invest 25k?
quote:

What are some good dividend paying stocks to have in your portfolio?





TCP

SPH

STON

RDS B

MMLP

HPT

GSK

COP

XOM

CVX

BBEP

APU




I could give you about 40 more that pay dividends also but that example should be enough for you.


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Fat Bastard
LA-Lafayette Fan
Paradise
Member since Mar 2009
18870 posts

re: How would you invest 25k?
quote:

Should be pretty easy in Fayetteville.



just remember after PITI and IF you have someone else manage it(factor in management expenses) make sure you get what I said.


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