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Started By
Message
Best Investment for 12 Month Period
Posted on 3/27/13 at 12:07 pm
Posted on 3/27/13 at 12:07 pm
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.
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.
8
Posted on 3/27/13 at 12:12 pm to ArtooDetoo
Bitcoins or Dinars. Take your pick.
Posted on 3/27/13 at 12:21 pm to ArtooDetoo
quote:
Would sticking it in the market be better?
RE market? stock market? bond market? commodities market?
Posted on 3/27/13 at 12:30 pm to ArtooDetoo
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.
Posted on 3/27/13 at 12:31 pm to Fat Bastard
Sorry, stock market. Hadn't considered commodities.
Posted on 3/27/13 at 12:33 pm to ArtooDetoo
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.
Posted on 3/27/13 at 12:37 pm to ArtooDetoo
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 3/27/13 at 12:45 pm
Posted on 3/27/13 at 12:43 pm to Ace Midnight
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
Posted on 3/27/13 at 12:49 pm to LSUTOM07
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.
Posted on 3/27/13 at 12:58 pm to Ace Midnight
Thanks guys, appreciate all the advice. Just trying to take it all in. Ace, you've been most helpful man, thanks a lot.
Posted on 3/27/13 at 1:05 pm to Ace Midnight
quote:
Ace Midnight
I agree with you On this. I should have focused on his specific question
Posted on 3/27/13 at 1:36 pm to ArtooDetoo
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.
Posted on 3/27/13 at 1:52 pm to ArtooDetoo
You will not make 200 in twelve months investing 15000 in CDs.
Posted on 3/27/13 at 1:52 pm to ArtooDetoo
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.
Posted on 3/27/13 at 4:36 pm to foshizzle
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....
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 3/27/13 at 4:37 pm
Posted on 3/27/13 at 5:46 pm to ArtooDetoo
200 for $15000 over a year, lol. more like 95 bucks tops
Posted on 3/27/13 at 7:13 pm to ThaBigFella
Bookmarked.
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