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Looking for suggestions- $100k for 18 months investment

Posted on 1/21/22 at 9:30 am
Posted by ehidal1
Chief Boot Knocka
Member since Dec 2007
37133 posts
Posted on 1/21/22 at 9:30 am
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
Posted by lynxcat
Member since Jan 2008
24121 posts
Posted on 1/21/22 at 9:35 am to
quote:

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



Doesn't really exist.
Posted by Civildawg
Member since May 2012
8547 posts
Posted on 1/21/22 at 9:35 am to
Bury it in the ground
Posted by Bestbank Tiger
Premium Member
Member since Jan 2005
70845 posts
Posted on 1/21/22 at 9:37 am to
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).

Posted by UltimaParadox
Huntsville
Member since Nov 2008
40826 posts
Posted on 1/21/22 at 9:38 am to
quote:

I will have about $100k to invest for about 18 months.


Assuming you need this money in 18 months. Then I would stick it in savings
Posted by ehidal1
Chief Boot Knocka
Member since Dec 2007
37133 posts
Posted on 1/21/22 at 10:00 am to
Yeah that’s what I figured but wanted to ask. I assume a CD or something is probably best although that isn’t much more than .01% savings return
Posted by TDTOM
Member since Jan 2021
14249 posts
Posted on 1/21/22 at 10:01 am to
Just keep it in cash.
Posted by Auburn1968
NYC
Member since Mar 2019
19352 posts
Posted on 1/21/22 at 10:08 am to
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?
Posted by GeneralLee
Member since Aug 2004
13103 posts
Posted on 1/21/22 at 10:16 am to
Stable value fund can get you 1-2% yield.
Posted by Fat Bastard
coach, investor, gambler
Member since Mar 2009
72459 posts
Posted on 1/21/22 at 10:35 am to
quote:

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


oh boy here we go!



This post was edited on 1/21/22 at 10:42 am
Posted by Fat Bastard
coach, investor, gambler
Member since Mar 2009
72459 posts
Posted on 1/21/22 at 10:48 am to
quote:

Bury it in the ground




if he cannot take any losses, money market settlement fund.
Posted by TheJunction
Mississippi
Member since Oct 2014
946 posts
Posted on 1/21/22 at 12:01 pm to
I(nflation) Bonds? If you’re looking for a guaranteed return that will likely be higher than 1-2%ish from a high yield savings account
Posted by cadillacattack
the ATL
Member since May 2020
4315 posts
Posted on 1/21/22 at 12:14 pm to
40% CTT
30% MTA
30% MSFT

Posted by b-rab2
N. Louisiana
Member since Dec 2005
12575 posts
Posted on 1/21/22 at 12:55 pm to
Look into a PIMCO bond fund. They are liquid and can offer you about 2-4% yield. I am in one. $PONAX
Posted by deltaland
Member since Mar 2011
90475 posts
Posted on 1/21/22 at 12:57 pm to
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
Posted by Shankopotomus
Social Distanced
Member since Feb 2009
21057 posts
Posted on 1/21/22 at 12:57 pm to
I mean, if you need the money and do not want to lose the principal then a high yield savings account with FDIC protection probably your best bet

Market is volatile right now, even a "safe" short-term bond fund/etf could see outflows in the next 18 months and lower the principal (and dividends may not make up difference)

don't mess with it if you're gunna need it - I suppose is what I mean
Posted by deltaland
Member since Mar 2011
90475 posts
Posted on 1/21/22 at 12:59 pm to
quote:

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.


This. Right now there is no safe investment to keep up with inflation. Any investment to return 7% or more in 18 months would be very high risk right now

Buy land
Posted by TDTOM
Member since Jan 2021
14249 posts
Posted on 1/21/22 at 1:03 pm to
quote:

Buy land


Notoriously liquid asset in 18 months. WTF is wrong with this board?
Posted by lynxcat
Member since Jan 2008
24121 posts
Posted on 1/21/22 at 1:27 pm to
quote:

Buy land



This is a really bad take and contrary to what the OP is requesting.
Posted by Bearcat90
The Land
Member since Nov 2021
2955 posts
Posted on 1/21/22 at 1:56 pm to
quote:

Yeah that’s what I figured but wanted to ask. I assume a CD or something is probably best although that isn’t much more than .01% savings return


Actually, so called "Jumbo" CD's will pay you around 0.5 to 0.7 rates. Minimum is usually around 100k. The rates I mentioned are for 18 months. Easy to find on the interwebs.
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