Looking for suggestions- $100k for 18 months investment

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I will have about $100k to invest for about 18 months. Looking for something with a relatively low risk and the best return possible (at this risk level). Thanks in advance

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Doesn't really exist.

Energy stonks have the best dividend yields. OKE would be a good one, or ET.

If you go to finviz.com they have a stock screener. Find stocks with a high dividend yield, relatively low PE ratio, and reasonable liability to asset ratio.

The quick buck will come from the dividends, and the low PE ratio means it isn't overpriced (ie less risk of capital losses offsetting your dividends next summer).

Hard assets sound good about now. With inflation running at 7% and in reality much more, letting it sit would be like watching ice melt on a warm day.

The market is being hit now due to interest rates and the fed trying to combat inflation. I wish I had a crystal ball that could tell me when it will hit bottom.

Anyone got a crystal ball?

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Looking for something with a relatively low risk and the best return possible

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oh boy here we go!

Look into a PIMCO bond fund. They are liquid and can offer you about 2-4% yield. I am in one. $PONAX

The next 18 months are going to be rocky as far as stocks

If you go with stocks pick some blue chips with high dividends.

Otherwise bonds or CDs will be safe and should get a decent rate with the Fed raising interest rates

Take the Rams and the points

Do not risk money that you need for money that you do not need. If I am you, I am seeking to preserve value (inflation risk) moreso than grow value in 18-months, particularly as I assume 18-months means you NEED it then.

Good luck!

What the minimum you would need in 18 months? Would you be ok with 80k? 60k?

We’re in a higher inflation environment so just sticking in low yielding “safe” savings rate is actually returning negative value. I’d consider spreading across a few equities that should do well with rising rates: energy, durable goods, google/msft/ Amazon.

My goodness there are some hot takes in this thread.

OP - that's a pretty difficult "ask". Everyone defines risk differently and their own personal risk tolerance, again, varies greatly. As you can see from some of these responses, there actually people out there that think Bitcoin and Amazon stock are "relatively low risk". I shouldn't have to explain how absurd that is.

If you need to use the money in 18 months, don't take any risk and just go with a basic FDIC insured High-Yield Savings account. Regardless of what anyone here says, no one knows what the markets will do in any given 18-month time period.

If you don't actually need to use the money in 18 months and are willing to take some risk, then you need to re-assess what your goal is and diversify the funds in a conservative - or 100% Bonds - investment strategy. Inflation-Protected Bonds could be a good safe-ish bet but, I will repeat, nothing is guaranteed and Bonds could lose money in the next 18 months (especially given current interest rate and inflationary pressures).

Other considerations could maybe be I-Bonds or CDs? Again, your goal with this money is important and that ultimately dictates how much risk you should take with the cash as much as your personal risk preference.