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If I knew about investment I wouldn't need to be asking. I can invest as long as I want but this book said that short term investments were better. I need to do alot more reading and talk to a few professionals before I venture out but I was hoping for some extra pointers from those on this site. Any advise is good advise at this point. I need to go into this with my eyes wide open so I want the good, the bad and the ugly. Thanks
Please be specific and speak as if you are speaking to a six year old. Want something w/low fees or no fees, tax free preferably (of course), short term (3-5 yrs), low risk, high return (of course)... keep it simple, thanks!
Good luck?
Low risk and high return...........and tax free. On top of explaining it to you like you're 6.
Even if I knew, why would I share it with anyone?
$100,000 is not even enough to be a low end accredited investor. I think if anyone knew of an investment like that, they'd have more important things to do with their time than hang out on CD.
Please be specific and speak as if you are speaking to a six year old. Want something w/low fees or no fees, tax free preferably (of course), short term (3-5 yrs), low risk, high return (of course)... keep it simple, thanks!
Within that time period of 3-5 years, hope for a bear market than jump on it..and ride the bull market to the top
I have been reading a book and the author seems to be promoting Vangaurd mutual funds alot. I think he suggest for someone like me to invest conservative amount in Vanguard 500 Index (large cap stock blend) and the rest in Total Bond Market Index (bond interterm treasury). He says to invest in short term stocks/bonds. I really don't know what the hell he is talking about.
Maybe I should just go to USAA and talk to a financial planner and let them do the investing but the author does not recommend using this avenue. He suggest an independent fee based financial advisor who will be working solely for me and not the company. I would not know how to find that type of advisor and if I did I would have a hard time trusting them with my money.
reits are real estate investment trusts. in a summary they are stocks that invest in the companies that own real estate.
they actually have been the best performers over almost every time period going back decades.
they can be volatile as hell. i owned a reit index fund ICF which owned lots of other reits. boy there were days it swung up or down 14% in value.
they are still stocks and unless you have 15-20 years i dont recommend equities as an investment.
they are long term investments and have to be treated as such unless you want to take the chance that we will be up or down over shorter periods of time.
If I knew about investment I wouldn't need to be asking. I can invest as long as I want but this book said that short term investments were better. I need to do alot more reading and talk to a few professionals before I venture out but I was hoping for some extra pointers from those on this site. Any advise is good advise at this point. I need to go into this with my eyes wide open so I want the good, the bad and the ugly. Thanks
Exactly. So stick to what you know while reading and learning about other investment vehicles.
Everyone here has an opinion and suggestions. But in the end it's you and your money. Invest in something you don't fully understand and you could lose it all if you don't understand the nuances of that investment.
So one thing you could do:
Put the money in a 1 year CD. Use that 1 year to educate yourself in investments and their risks/rewards. When that CD comes due you will be in a much better position to make a decision.
He didn't tell people to avoid the stock market beginning in Oct 2008. He told them way BEFORE the crash in 2006 and 2007 and before and he NEVER said avoid all equities. He said avoid U.S. equities particularly the financials and we was RIGHT! Goldman SAchs is NOWHERE NEAR its 2008 highs. Read his book CRASH PROOF. You might learn something.
I guess you haven't seen the "Peter Schiff was Right" videos. What was so "wrong" about what he said in this series of interviews? It was everyone ELSE who was WRONG.
he has been dead wrong more than he has been right.
listening to him back in the 90's telling us to stay away from stocks would have left most of us alot poorer.
in 2008 he told us all to get out of stocks. great advice . the markets are up over 120% since then. in fact they are averaging over 9% a year over the last decade, over 9% a year over the last 20 years and over 9% a year over the last 30 years and that includes the downturn.
as far as re-couping loses? only large cap lagged every other index broke new highs long ago. in fact if you did the proper thing and rebalanced all along even your large cap indexes broke new highs.
since when is the highest point a stock hits the reference for whether your ahead or not? its not. most of us that have been investing for a long time are up big time.
if google hit 900 and you sold at 800 your not up? of course you are. no one expects to always be at the peak to judge if money was made or not
as far as if you bought in 2007 ? well stocks are a long term investment and looking at it before that money payed its dues,went through a few market cycles and had time to grow is a meaningless comparison if your looking at it in the short term. no one uses a short term measuring stick to gauge a long term investment unless they are clueless.
if they thought after 3 or 4 years they would be making tons of money then they dont understand investing.
Last edited by mathjak107; 05-19-2011 at 04:38 PM..
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