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Started By
Message
Best places to invest your cash...
Posted on 10/20/21 at 8:47 am
Posted on 10/20/21 at 8:47 am
Abstract discussion here. Say you had some cash to invest, maybe even some sizeable amounts. For discussion purposes, let say maybe you're retiring, got an inheritance, won a lottery yada yada. Let's say $50k or more. Say preservation of principal and a fair amount of liquidity are objectives.
Your thoughts on smart ways to invest and minimize risk.
High-yield savings accounts? APY isn't high. Maybe 0.50% +/-. Low risk though. Capital preservation.
ETF's? Some can offer 5-7% yields but are subject to market volatility.
Debt reduction? The easiest way to invest your money is by paying off debt. Not Bitcoin Cool, but a logical option. Getting out of debt is a worthy goal, particularly if you had high interest credit card debt.
Real Estate? Real estate offered the highest returns of any asset class. Even better, it did so with far less volatility than stocks. But there are lots of headaches like maintenance, tenant issues/turnover etc. if you're not a "flipper" type.
Index funds? Start a business?
Whatcha got!
Your thoughts on smart ways to invest and minimize risk.
High-yield savings accounts? APY isn't high. Maybe 0.50% +/-. Low risk though. Capital preservation.
ETF's? Some can offer 5-7% yields but are subject to market volatility.
Debt reduction? The easiest way to invest your money is by paying off debt. Not Bitcoin Cool, but a logical option. Getting out of debt is a worthy goal, particularly if you had high interest credit card debt.
Real Estate? Real estate offered the highest returns of any asset class. Even better, it did so with far less volatility than stocks. But there are lots of headaches like maintenance, tenant issues/turnover etc. if you're not a "flipper" type.
Index funds? Start a business?
Whatcha got!
This post was edited on 10/20/21 at 8:52 am
14
Posted on 10/20/21 at 8:55 am to Nole Man
Drugs
Posted on 10/20/21 at 9:04 am to Nole Man
look at some of the yeilds from stablecoins in crypto
Posted on 10/20/21 at 9:06 am to Nole Man
Don't pay off debt that is lower interest than inflation. You are actually making money on your debt if inflation rate is higher, by not paying it off.
If this is a medium/long term hold, park it in bitcoin and don't check it for a few years IMO.
If this is a medium/long term hold, park it in bitcoin and don't check it for a few years IMO.
Posted on 10/20/21 at 9:07 am to Nole Man
quote:
Real Estate? Real estate offered the highest returns of any asset class. Even better, it did so with far less volatility than stocks. But there are lots of headaches like maintenance, tenant issues/turnover etc.
get a PM. I can tell you have never owned RE.
quote:
Whatcha got!
you realize you have big fish here? who have RE, stocks, lend money, trade, and have businesses? so why are you asking a general question when you should know the answer? you covered most all of it anyway that is discussed here ad infinitum. what exactly do you want to learn from this discussion? be specific?
abstract discussion? these type of generalized comments is a waste of time. use the search function. read sticky. it has been covered already.
Posted on 10/20/21 at 9:24 am to Nole Man
Well if preservation of principal and access to liquidity are objectives, that rules out real estate and the entire equity asset class. If there's high interest consumer debt, then that's obviously the way to go. That would increase monthly cash flow and reduce liability while providing peace of mind.
Would really need to know how soon would the cash be needed and for what purpose? If less than a year, park in an online savings account or brokerage CD. Inflation outpacing your 1 year of cash equivalents isn't anything compared to a market correction in any of the other asset classes.
Would really need to know how soon would the cash be needed and for what purpose? If less than a year, park in an online savings account or brokerage CD. Inflation outpacing your 1 year of cash equivalents isn't anything compared to a market correction in any of the other asset classes.
Posted on 10/20/21 at 9:30 am to Nole Man
quote:
let say maybe you're retiring. . .won a lottery
quote:
Let's say $50k
I'd say it's a pretty lousy lottery or that I'm pretty stupid to be retiring with only $50k.
Posted on 10/20/21 at 10:20 am to Nole Man
Might as well buy a few shares of DKNG given how much goes poof there!
Posted on 10/20/21 at 10:38 am to Nole Man
quote:
cash to invest
quote:
minimize risk
quote:
preservation of principal
quote:
fair amount of liquidity
quote:You gotta narrow your focus a little bit here.
Getting out of debt
quote:Please provide some context here...there have historically been better performing asset classes than real estate...
Real estate offered the highest returns of any asset class
quote:Do you know the true value of your house/commercial property/REIT on a daily basis? Please explain how you measure "volatility" on real estate and to what type of real estate your referring.
it [real estate] did so with far less volatility than stocks
quote:Do you seriously think that someone is going to suggest you spend $50k to start a business if one of their goals is to minimize risk??????
Start a business
This hypothetical scenario is a disaster.
This post was edited on 10/20/21 at 10:39 am
Posted on 10/20/21 at 10:53 am to jfw3535
quote:
I'd say it's a pretty lousy lottery
“Lottery” doesnt necessarily mean powerball jackpot.
Posted on 10/20/21 at 10:56 am to Nole Man
Real estate. You don't suffer as much market craziness as you do in stocks. And the people that claim you do don't know real estate. Real estate offers continued cash flow (when done properly) and you can sell it later for a large ROI.
Posted on 10/20/21 at 11:04 am to DJNOS1978
Pay off any high interest debt (eg, credit cards) and go from there.
Do not start a business, and I would caution on the real estate thing since we're in one of the craziest overpriced markets we've seen since 2007.
Also, not sure what you could buy for <$50k.
Do not start a business, and I would caution on the real estate thing since we're in one of the craziest overpriced markets we've seen since 2007.
Also, not sure what you could buy for <$50k.
Posted on 10/20/21 at 11:11 am to Nole Man
I am a fan of buying USDC, a stable coin on Voyager. 10% apr to hold it in your account.
Posted on 10/20/21 at 12:18 pm to Nole Man
Whsi brother
Posted on 10/20/21 at 12:30 pm to DJNOS1978
quote:
Real estate offers continued cash flow (when done properly) and you can sell it later for a large ROI.
What are you getting for $50k that offers cash flow and where?
Posted on 10/20/21 at 12:42 pm to go ta hell ole miss
I’m seeing stuff around here that would COC 6-8%
Posted on 10/21/21 at 3:58 am to Chucktown_Badger
quote:
craziest overpriced markets we've seen since 2007.
Same could be said for the market
quote:
Also, not sure what you could buy for <$50k.
Plenty. I have bankers trying to sell me loans at 20 year fixed with 10% down for a while now. You can buy a pretty good multi unit deal in a medium sized city with growing population for 500k that will cash flow and appreciate right away.
Posted on 10/21/21 at 6:44 am to Nole Man
real estate and guns
Posted on 10/21/21 at 8:22 am to Chucktown_Badger
If you know real estate then you know what to buy and where to buy. You can start with $40K. You buy rehab homes. Sure the cost is high right now of lumber but you just have to know what to look for. That's the key.
Why would you tell someone "not to start a business"? It is a good time to start..depending on what you do.
Why would you tell someone "not to start a business"? It is a good time to start..depending on what you do.
Posted on 10/21/21 at 8:24 am to go ta hell ole miss
You buy rehab homes, fix them up, and then reappraise, rent, then pull out the equity to do it again. There are deals all over the place. Arizona is a hot market right now. It all depends. It takes some time to learn. You don't just jump into it for sure.
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