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How should I invest my money safely?
Posted on 10/4/25 at 2:49 pm
Posted on 10/4/25 at 2:49 pm
About to come into mid six figure and don't want it to sit around and do nothing. Already I got recs of buying U.S treasury bones over the next decades, but thats capped at 10k per year. What else can I invest in or if there is a trust worthy investment firm I should be in contact with?
Thanks!
Thanks!
This post was edited on 10/4/25 at 2:50 pm
9
Posted on 10/4/25 at 3:28 pm to Duzz
Traditional High dividend ETF like VYM or CDs.
But serious question, why be safe?
But serious question, why be safe?
Posted on 10/4/25 at 3:39 pm to Duzz
Voo and chill
Posted on 10/4/25 at 4:19 pm to Duzz
How old are you?
Or another question is how far away from retirement?
Or another question is how far away from retirement?
Posted on 10/4/25 at 4:32 pm to Duzz
Depends on
1) what are your goals for this money? (Income? Growth? Retirement?)
2) what is your timeline? (5 years? 35 years?)
3) what is your risk tolerance? (Can lose a little for extra gain or can’t possibly lose a dollar.)
4) how much liquidity do you need? (Will you need quick access to this at some point or are you fine putting it away for a while?)
Not advice, but if you’re trying to be conservative, you probably want to make sure you have a good emergency fund in a money market or HYSA.
If you’re looking at bonds and smaller returns, you could put $10K for you and $10K for your spouse in an ibond each year. You could ladder some T-bills. (ex. $50K into 3 six week bills and $75K into 2 week bills. That gets you about $200 a week with no risk and tax advantages.)
A little riskier, but safest ETFs you can really go into is to open a Roth and put up to $7K a year in VOO, VTI or VONE. You can put the rest in a regular brokerage.
Everyone here will tell you to avoid a financial advisor and do your own research and invest yourself. That’s generally sound advice. But if you are truly uncomfortable or bad with finances, you might want to look at getting some advice.
1) what are your goals for this money? (Income? Growth? Retirement?)
2) what is your timeline? (5 years? 35 years?)
3) what is your risk tolerance? (Can lose a little for extra gain or can’t possibly lose a dollar.)
4) how much liquidity do you need? (Will you need quick access to this at some point or are you fine putting it away for a while?)
Not advice, but if you’re trying to be conservative, you probably want to make sure you have a good emergency fund in a money market or HYSA.
If you’re looking at bonds and smaller returns, you could put $10K for you and $10K for your spouse in an ibond each year. You could ladder some T-bills. (ex. $50K into 3 six week bills and $75K into 2 week bills. That gets you about $200 a week with no risk and tax advantages.)
A little riskier, but safest ETFs you can really go into is to open a Roth and put up to $7K a year in VOO, VTI or VONE. You can put the rest in a regular brokerage.
Everyone here will tell you to avoid a financial advisor and do your own research and invest yourself. That’s generally sound advice. But if you are truly uncomfortable or bad with finances, you might want to look at getting some advice.
Posted on 10/4/25 at 4:49 pm to Suntiger
Retirement. I was a small business owner and am cashing out. After taxes and everything, I am keeping 100k as spending (cushion emergency) money while the rest I would like to invest or else all it does is sit there. Being in the food industry, I never had to look into investment at all. I have a little side hustle that more of a hobby that I make some money from for spending on frivolous thing.
Still I am still relatively active so thinking maybe around 10 years? Don't want it too long term since who knows what might happen in the future, but Interesting in seeing something comfortable at the end of a 10 years investment period.
As for risk tolerance. No one like risk and I dont want to gamble on stocks and then lose it or or have the company tank. I had thrown 10k at Robin Hood before since a friend of mine convince me and after a year I pulled out at 8k having lost 2k. So yeah. Looking for growth not, parity or even getting less than I put in.
What is a regular or reputable bokerage?
hope that helps.
Still I am still relatively active so thinking maybe around 10 years? Don't want it too long term since who knows what might happen in the future, but Interesting in seeing something comfortable at the end of a 10 years investment period.
As for risk tolerance. No one like risk and I dont want to gamble on stocks and then lose it or or have the company tank. I had thrown 10k at Robin Hood before since a friend of mine convince me and after a year I pulled out at 8k having lost 2k. So yeah. Looking for growth not, parity or even getting less than I put in.
What is a regular or reputable bokerage?
hope that helps.
Posted on 10/4/25 at 4:50 pm to Duzz
quote:Other people’s conviction about a stock is typically not enough to see it through.
I had thrown 10k at Robin Hood before since a friend of mine convince me and after a year I pulled out at 8k having lost 2k.
How much would you have now at $145 a share?
Posted on 10/4/25 at 5:43 pm to Duzz
If long term (10 plus years)I would do half in QQQM and half in VOO. If less than 1 year I would do 6 month CD’s. If 1-10 years I would consult a FA if you don’t want to do the work.
For myself I would be riskier and pick individual stocks I believed in. I personally would buy some NVDA, NBIS, SOFI, MO, VZ, AVGO, Tesla, T, BAC, KO, AAPL, and GOOG and then two etf’s (BITO and QQQI) if not tax deferred account I would replace BITO with IBIT and QQQI with SPLG.
For myself I would be riskier and pick individual stocks I believed in. I personally would buy some NVDA, NBIS, SOFI, MO, VZ, AVGO, Tesla, T, BAC, KO, AAPL, and GOOG and then two etf’s (BITO and QQQI) if not tax deferred account I would replace BITO with IBIT and QQQI with SPLG.
Posted on 10/4/25 at 6:18 pm to Duzz
You can buy the preferred stock of companies like JPM, BAC and WFC. These are paying around 5.8%-6.0%. They pay qualified dividends.
If you are married, you can make around 100K per year and pay zero in taxes if you have the right type of income. Details in the link.
No tax on 100K
If you are married, you can make around 100K per year and pay zero in taxes if you have the right type of income. Details in the link.
No tax on 100K
Posted on 10/5/25 at 5:14 am to Duzz
There are many ways to lose money in the various investments.
Even IF you go 100% US treasury, you might not “lose” money, but you are very likely to lose purchasing power over any decade.
Equity investing can lead to losses, but in general, over decades it averages 8% per year. The down years happen, but staying out of equities is not the best strategy for accumulating long term wealth. A good company may go up or down as much as 50% during a time period of 1-2 years, but most survive and if they pay dividends you get rewarded for patience.
Bottom line: Losing purchasing is a real risk to bond/cash only investing.
Even IF you go 100% US treasury, you might not “lose” money, but you are very likely to lose purchasing power over any decade.
Equity investing can lead to losses, but in general, over decades it averages 8% per year. The down years happen, but staying out of equities is not the best strategy for accumulating long term wealth. A good company may go up or down as much as 50% during a time period of 1-2 years, but most survive and if they pay dividends you get rewarded for patience.
Bottom line: Losing purchasing is a real risk to bond/cash only investing.
Posted on 10/6/25 at 7:54 am to Duzz
My suggestion is to keep the majority of your money in a few index funds (or etfs). The s&p500 is my favorite. There are numerous etfs that track it. The russell1000 is a good one that tracks the 1000 largest companies for an even broader diversification. The russell2000 is a broad small cap fund. I would also use a smaller portion on a mix of individual companies or smaller (and more specialized) indexes. Preferred stocks were mentioned by another poster and are a good choice for some individual companies. An index of strong dividend stocks is a consideration depending on income needs.
I am semi-retired. I still have a nice income from real estate investing, and my wealth is increasing at a decent rate because I rarely use my retirement money yet. I only say that because that has influenced my investment decisions. Shortly before I retired , I began moving a good bit of money into bonds based on conventional advice. I regret doing that at a time when bonds were not paying much. I decided that even though bonds have less risk that I was not content with the returns. I use a 3 bucket approach to investing. Long-term, medium-term, and emergency fund. I now only have emergency fund type money in bonds. The lesson I learned from my move into bonds is to not go overboard with being low risk due to retiring. You only need to be low risk with the amount of money to survive a lengthy bear market.
I am semi-retired. I still have a nice income from real estate investing, and my wealth is increasing at a decent rate because I rarely use my retirement money yet. I only say that because that has influenced my investment decisions. Shortly before I retired , I began moving a good bit of money into bonds based on conventional advice. I regret doing that at a time when bonds were not paying much. I decided that even though bonds have less risk that I was not content with the returns. I use a 3 bucket approach to investing. Long-term, medium-term, and emergency fund. I now only have emergency fund type money in bonds. The lesson I learned from my move into bonds is to not go overboard with being low risk due to retiring. You only need to be low risk with the amount of money to survive a lengthy bear market.
Posted on 10/6/25 at 9:13 am to Duzz
quote:
Already I got recs of buying U.S treasury bones
what are treasury bones? Can we invest in treasury skin? lungs? liver?
Posted on 10/6/25 at 10:10 am to Duzz
If you're asking this question, you should likely look at etf's to get your start.
but even with etf's, you should understand dollar cost averaging (dca) into any position you take.
Above all, never panic ...
just my dos centavos ....
but even with etf's, you should understand dollar cost averaging (dca) into any position you take.
Above all, never panic ...
just my dos centavos ....
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