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Started By
Message
$122k to invest
Posted on 8/17/23 at 7:30 pm
Posted on 8/17/23 at 7:30 pm
Just rolled from equitable annuity and looking for alternative to invest for 10 years until retirement. Thinking vanguard or fidelity blue chip index fund?????
13
Posted on 8/17/23 at 7:32 pm to FlowMaster
Discount on btc at the moment
Posted on 8/17/23 at 7:52 pm to FlowMaster
It depends on how much risk you want to take.
Posted on 8/17/23 at 7:58 pm to FlowMaster
If you had 20+ years, I’d say 50% QQQM , 50% VTI/ITOT, set and forget.
Since you’re 10 years out, I think a strong case could be made to just buy US treasuries which will be churning out 5+% for the foreseeable future.
Since you’re 10 years out, I think a strong case could be made to just buy US treasuries which will be churning out 5+% for the foreseeable future.
Posted on 8/17/23 at 8:26 pm to Sir Saint
I'm glad this came up. My wife needs to take some draws from business profit. Won't be anywhere near that amount, at least not all at once. She's 54, I'm 58. Tempted to put it in VTSAX or a tax free bond fund. Got a fair amount in T-bills getting 5+ short term. But I think we are in the "within 10 yrs to retirement " bracket you hear so much about
Posted on 8/17/23 at 8:31 pm to FlowMaster
CELSIUS! ZERO RISK! 10% GUARANTEED RETURNS ANNUALLY
Posted on 8/17/23 at 9:02 pm to FlowMaster
At this point T bills or CD....
Posted on 8/18/23 at 1:32 am to FlowMaster
Right now, and until October, SQQQ
Posted on 8/18/23 at 7:17 am to FlowMaster
10 years to retirement also means you have at least 20 years of retirement on the other side of that date. I’d go half at Tbills but put the other half in VTI. You still need 30 years of growth to live well.
Posted on 8/18/23 at 9:17 am to FlowMaster
10 years from retirement, I’d break it into about 5-6 allocations.
Treasuries (ladder)
Investment Grade Corporate Bonds (ladder)
Municipal Bonds (ladder)
Value Mutual Funds
Premium Money Market (5%+) so you have ability to capitalize on future market trends/events.
Treasuries (ladder)
Investment Grade Corporate Bonds (ladder)
Municipal Bonds (ladder)
Value Mutual Funds
Premium Money Market (5%+) so you have ability to capitalize on future market trends/events.
Posted on 8/18/23 at 9:46 am to PlaySomeHonk
6 allocations on $122k is overkill imo.
Posted on 8/18/23 at 5:11 pm to Sir Saint
Could be, the only way to know for sure is in hindsight, but I retired at 55 and have been a proponent of diversification which worked for me. I’ve also had buddies that were way under diversified which has caused some pain. It doesn’t matter if you have $20k or $2M, I like multiple pot$.
Posted on 8/19/23 at 2:35 pm to FlowMaster
122 in a trad Ira? Or checking account?
Posted on 8/20/23 at 9:35 am to FlowMaster
Gamecoin
Posted on 8/20/23 at 9:47 am to FlowMaster
Vanguard total stock market fund is always a good choice.
Posted on 8/20/23 at 2:46 pm to Newgene
VOO or VTI. No need for both.
Posted on 8/21/23 at 12:38 pm to PlaySomeHonk
Agree with "It doesn’t matter if you have $20k or $2M" and diversification. Might not agree with your choices, but that is ok.
Posted on 8/21/23 at 1:19 pm to 21JumpStreet
quote:
Discount on btc at the moment
Two years ago, I invested on BTC and I am $2K under. At this point I'm giving up on them lol.
Posted on 8/22/23 at 10:41 am to FlowMaster
VOO. You avg 8-10%. No way I buy Treasuries with 10 years to go and the need to keep growing after that.
Posted on 8/23/23 at 9:01 pm to FlowMaster
ESG’s and Bitcoin would be your best bet
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