Best Investment for 12 Month Period | TigerDroppings.com

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ArtooDetoo
LSU Fan
Tatooine
Member since Feb 2013
179 posts

Best Investment for 12 Month Period


Looking to invest/play with about $15,000. What will give me the best rate of return in a year's time?

I know CDs are safe, but at 1 year with the rates the way they are, I won't make much (probably $200 at best). Would sticking it in the market be better?

New to all this so please don't flame too hard.







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OnTheBrink
Alabama Fan
TN
Member since Mar 2012
3548 posts

re: Best Investment for 12 Month Period


Bitcoins or Dinars. Take your pick.





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Fat Bastard
New Orleans Saints Fan
Paradise
Member since Mar 2009
15628 posts

re: Best Investment for 12 Month Period


quote:

Would sticking it in the market be better?



RE market? stock market? bond market? commodities market?






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elposter
Alabama Fan
South Carolina
Member since Dec 2010
7758 posts

re: Best Investment for 12 Month Period


quote:

What will give me the best rate of return in a year's time?


This is a good question. I have been wondering this too.






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ArtooDetoo
LSU Fan
Tatooine
Member since Feb 2013
179 posts

re: Best Investment for 12 Month Period


Sorry, stock market. Hadn't considered commodities.





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Ace Midnight
LSU Fan
Ball, LA - Home, Sweet Home
Member since Dec 2006
29101 posts

re: Best Investment for 12 Month Period


quote:

Looking to invest/play with about $15,000. What will give me the best rate of return in a year's time?


I don't see a ton of potential in growth prior to the inevitable correction. You would bear the risk of buying at the top of a bull market and having to ride out a bear for several months to even recoup - and that's if you choose a broad index mutual fund.

Honestly, I'd find a fairly safe stock with an attractive dividend rate - one likely to outperform a CD. If you can make $400 or $500 over the 12 months in dividends, even if the stock doesn't budge, that will cover your transaction costs and outperform a CD.







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Fat Bastard
New Orleans Saints Fan
Paradise
Member since Mar 2009
15628 posts

re: Best Investment for 12 Month Period


quote:

Hadn't considered commodities.




I love them but do not do if you are a beginneror have no knowledge or experience with them. Now they are great for short term. But again not for a beginner. If you want to ever learn read TRADING BY THE BOOK by Joe Ross. It is a great start.

You might be best off throwing it in something like a ETF such as VYM, collect the dividends and then get out after 12 months hoping you did not lose principal. There will be risk in almost anything.



This post was edited on 3/27 at 12:45 pm


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LSUTOM07
LSU Fan
Baton Rouge
Member since Dec 2011
469 posts

re: Best Investment for 12 Month Period


quote:

You would bear the risk of buying at the top of a bull market and having to ride out a bear for several month


The market can go down at any time. (bull/bear market) It may look like the top now but we could also be just getting started. I feel like if you play this game you will miss out on many good opportunities to ride the wave up






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Ace Midnight
LSU Fan
Ball, LA - Home, Sweet Home
Member since Dec 2006
29101 posts

re: Best Investment for 12 Month Period


quote:

The market can go down at any time. (bull/bear market) It may look like the top now but we could also be just getting started. I feel like if you play this game you will miss out on many good opportunities to ride the wave up


I completely agree, long-term, but he's talking like he's buying for a year. The default would a jumbo CD, and he was asking for alternatives, right? The next option would be a mutual fund, but it would be subject to the same risks of a general market downturn over a 12-month period.

I was answering the specific question asked. At what appears to be the top of the market right now, I would not suggest someone buy equities for a 12-month return, period.






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ArtooDetoo
LSU Fan
Tatooine
Member since Feb 2013
179 posts

re: Best Investment for 12 Month Period


Thanks guys, appreciate all the advice. Just trying to take it all in. Ace, you've been most helpful man, thanks a lot.





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LSUTOM07
LSU Fan
Baton Rouge
Member since Dec 2011
469 posts

re: Best Investment for 12 Month Period


quote:

Ace Midnight


I agree with you On this. I should have focused on his specific question






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Chad504boy
New Orleans Saints Fan
Five Oh Four
Member since Feb 2005
79285 posts

re: Best Investment for 12 Month Period


apple





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Vols&Shaft83
Tennessee Fan
Member since Dec 2012
11979 posts
 Online 

re: Best Investment for 12 Month Period


quote:

Looking to invest/play with about $15,000. What will give me the best rate of return in a year's time?

I know CDs are safe, but at 1 year with the rates the way they are, I won't make much (probably $200 at best). Would sticking it in the market be better?

New to all this so please don't flame too hard


Yeah, investing in the stock market for 12 months and getting out is a suckers bet.

CD's are an absolute joke, if I'm going to not have access to my money for a year without a penalty, I expect to at least keep pace with inflation.

You can get almost the exact same interest rates with an FDIC insured Money market account, but you'll be much more liquid. (Safest option really)

There are short term mutual funds, but they suck, pretty much Municipal Bond funds, which barely (if at all) beat Treasury Bills.

Got some nuts, you can find some real estate to flip for a reasonable return, but this is a lot of work and you may not get your money out after 12 months.











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Mootsman
South Carolina Fan
Charlotte, NC
Member since Oct 2012
1922 posts
 Online 

re: Best Investment for 12 Month Period


You will not make 200 in twelve months investing 15000 in CDs.





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foshizzle
LSU Fan
Washington DC metro
Member since Mar 2008
29680 posts

re: Best Investment for 12 Month Period


quote:

Sorry, stock market. Hadn't considered commodities.


Stocks in which country? You can invest basically anywhere these days.

At any rate, nobody really knows what is going to do the best over the next 12 months. Probably it is some tiny stock nobody has heard of.






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ThaBigFella
LSU Fan
baton rouge
Member since Apr 2006
2043 posts

re: Best Investment for 12 Month Period


dont listen to these guys, take $15k buy one of the following stock collect the 5% dividend which is $750+...

MO -altria
RSD.b - shell
KMP - kinder morgan

all are phenomenal companies, but based on your risk tolerance Id rank them Shell,Altria,KMP as far as price stability.....shell is cheap as hell at 7x earnings

if you've got the nuts Sinopec SNP is a china based oil company that Im telling you is going to be a better play than any american oil company in the next 30 years, im about to get laughed at...but watch, the chinese are kicking arse and taking names....



This post was edited on 3/27 at 4:37 pm


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LSU6262
LSU Fan
Member since Jun 2008
2296 posts

re: Best Investment for 12 Month Period


200 for $15000 over a year, lol. more like 95 bucks tops





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GaryMyMan
USA Fan
Lower Garden District
Member since May 2007
10566 posts

re: Best Investment for 12 Month Period


Bookmarked.





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