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10,000.00...where would you invest
Posted on 11/23/20 at 5:12 am
Posted on 11/23/20 at 5:12 am
I'm 30 years old and I inherited ten thousand dollars...where would you invest this money long term for the next 35 years...
Posted on 11/23/20 at 5:50 am to tigers1956
A low cost and/or no fee equity index funds is probably the right answer. Some would consider a target date fund that would rebalance over time. But you could get a lot riskier than that or a lot safer if you wanted.
The amount itself isn’t of much help without knowing what it means to you (once in a life time event, 10% of your annual income, your annual gambling budget, etc). You’d also want to consider the chance that you will need access to the money, your other investments including the investment themselves and what type account they’re in, and your risk tolerance/investment discipline. You will probably get some specific security recommendations here but they aren’t worth a lot without this info, at least in my opinion.
The amount itself isn’t of much help without knowing what it means to you (once in a life time event, 10% of your annual income, your annual gambling budget, etc). You’d also want to consider the chance that you will need access to the money, your other investments including the investment themselves and what type account they’re in, and your risk tolerance/investment discipline. You will probably get some specific security recommendations here but they aren’t worth a lot without this info, at least in my opinion.
Posted on 11/23/20 at 7:48 am to tigers1956
iShares Russell Top 200 Growth ETF IWY
Posted on 11/23/20 at 7:54 am to tigers1956
If you don't touch for years, a nice mutual fund. If you want to make some excellent money over the coming months, Chinese EV companies like NIO or XPEV.
Posted on 11/23/20 at 7:14 pm to tigers1956
Might want to grab stocks that were beat up by the pandemic. Oil, airlines, hotels, cruises, luxury makeup brands.
Rather than list specific stocks, I'll give you guidelines. Look for stocks in those categories that meet the following conditions:
- Closer to the 52 week low than the 52 week high. They still have room to bounce back.
- Dividend stocks. You might have to look up the dividend history because in some cases the earnings, and dividends, from recent quarters might be artificially low. (Even better if the normal dividends are still being paid.) You're going for a high yield here. If you can find a stock that pays $1 a quarter and is artifically cheap ($40 a share), you're getting a 10% yield as long as you hold it in addition to the gains from selling later at a higher price.
- Relatively low debt load. If a company has a liability to asset ratio of 95% it might not be able to hold on for another six months. 60%, it should be able to borrow money at a reasonable rate if needed.
I'm currently up 58% for the year in unrealized gainz. I opened my account when the market tanked.
Rather than list specific stocks, I'll give you guidelines. Look for stocks in those categories that meet the following conditions:
- Closer to the 52 week low than the 52 week high. They still have room to bounce back.
- Dividend stocks. You might have to look up the dividend history because in some cases the earnings, and dividends, from recent quarters might be artificially low. (Even better if the normal dividends are still being paid.) You're going for a high yield here. If you can find a stock that pays $1 a quarter and is artifically cheap ($40 a share), you're getting a 10% yield as long as you hold it in addition to the gains from selling later at a higher price.
- Relatively low debt load. If a company has a liability to asset ratio of 95% it might not be able to hold on for another six months. 60%, it should be able to borrow money at a reasonable rate if needed.
I'm currently up 58% for the year in unrealized gainz. I opened my account when the market tanked.
Posted on 11/23/20 at 8:02 pm to tigers1956
75% nasdaq & s&p
25% bitcoin & ethereum
Ymmv
25% bitcoin & ethereum
Ymmv
Posted on 11/23/20 at 11:36 pm to tigers1956
I’d dump it all in a S&P 500 mutual fund
Posted on 11/24/20 at 7:09 am to tigers1956
If you want to gamble - GE and AMD
For the dividends - IBM, RDS-B (royal dutch shell) and MMM.
For the dividends - IBM, RDS-B (royal dutch shell) and MMM.
Posted on 11/24/20 at 2:04 pm to tigers1956
I asked this exact question in 1991 and was told GE by everybody
So be careful
So be careful
Posted on 11/25/20 at 7:16 pm to tigers1956
Bitcoin. You're welcome. Thread has been bookmarked to be revisited in 2022.
Posted on 11/25/20 at 8:50 pm to tigers1956
PIC! A SPAC about to merge with XL Fleet, which is a company with a proven record in the EV industry.
This post was edited on 11/25/20 at 9:01 pm
Posted on 11/25/20 at 9:24 pm to tigers1956
quote:
next 35 years
Throw it in a mutual fund and forget about it.
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