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Where would be the best place to conservatively invest $100,000?
You have to provide expected yield and/or total return and time horizon. Then posters can make suggestions for relatively low risk/low volatility securities or combination thereof, keeping in mind that most equity securities have annual volatilities of around 20%-30% and bonds around 5%.
Otherwise, the answer is an FDIC-insured bank deposit or short-term treasury bills, yielding a small fraction of 1%.
Where would be the best place to conservatively invest $100,000?
Downpayment on a house / paying down mortgage, home improvement, etc.
If all you're going to do is put it in a savings account where inflation will eat away at it, why not pay down the debts you have? It's better than letting Uncle Sam eat away at it through inflation and taxes.
Also, you could invest 100% equities and "be safe" so long as your investment horizon is long enough (say, 10 years at least). Otherwise, high quality bonds (rated AAA or AA) will suffice, and you could exempt the gains if you invest in a municipal bond.
That's what people mean by "we need more info" to accurately gauge your risk / reward threshold, how often you intend to keep up with it / the market, etc. Otherwise you're asking for a silver buffalo; a zero-risk, high reward investment. It doesn't exist.
Downpayment on a house / paying down mortgage, home improvement, etc.
If all you're going to do is put it in a savings account where inflation will eat away at it, why not pay down the debts you have? It's better than letting Uncle Sam eat away at it through inflation and taxes.
Also, you could invest 100% equities and "be safe" so long as your investment horizon is long enough (say, 10 years at least). Otherwise, high quality bonds (rated AAA or AA) will suffice, and you could exempt the gains if you invest in a municipal bond.
That's what people mean by "we need more info" to accurately gauge your risk / reward threshold, how often you intend to keep up with it / the market, etc. Otherwise you're asking for a silver buffalo; a zero-risk, high reward investment. It doesn't exist.
I do not need the money for anything. It would be a nest egg. I guess the timeline would be 25 years. I wish that I could give you more information but I do not know. I guess I need to attempt again to find a book for first time investors.
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