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Old 01-18-2018, 07:19 PM
 
Location: moved
13,570 posts, read 9,581,729 times
Reputation: 23312

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The Financial Times' columnist John Authers suggests emerging market equities: https://www.ft.com/content/699775ba-...4-0a1e63a52f9c . His belief, and that of the persons featured in the article, is that long-term potential ought to be greatest in (1) places that have yet to really enjoy the benefits of modern technology and capitalism, and (2) places that have lagged growth in US equities in recent decades.

As to the question of safety, I defer to one of our regular posters here, who emphasizes the distinction between "risk" and "volatility". The buy-and-hold emerging-market index strategy is very high volatility, but only moderate risk. There is no zero-volatility option, because even treasury bills or certificates of deposit are denominated in some particular currency (probably US dollars), and all currencies fluctuate. But this is probably zero-risk.
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Old 01-18-2018, 07:33 PM
 
24,324 posts, read 26,708,197 times
Reputation: 19745
50% spy
50% amzn
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Old 01-18-2018, 08:17 PM
 
Location: City of the Angels
2,222 posts, read 2,327,440 times
Reputation: 5422
Here's 2 that went up over 50% last year and definitely represent where the needs and wants are.

UnitedHealth Group Inc (UNH:NYSE)
https://www.cnbc.com/quotes/?symbol=UNH
Everyone needs health care.

Market Cap :235.1B
52 Week Low: $156.09
52 Week High: $243.90
3% dividend
Revenue: 201.2B
ROE: 23.97%
1 Year % Change: 54.15 %
YTD % Change: 10.30% (01/01/18-01/18/18) not bad for 2 1/2 weeks !


ROBO Global Robotics and Automation Index ETF (ROBO:NASDAQ)
https://www.cnbc.com/quotes/?symbol=ROBO
This is the future !

52 Week Low : $29.40
52 Week High : $45.42
1 Year % Change: 53.42%
YTD % Change : 9.61% (01/01/18-01/18/18) not bad for 2 1/2 weeks !
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Old 01-19-2018, 08:45 AM
 
7,898 posts, read 7,073,479 times
Reputation: 18586
You want half in rock solid assets and only half invested. OK, what return do you expect? Would an average of 5% be OK? If so, you give me the money. I will invest it. After 10 years I will pay back the money and the equivalent of 5% annual returns. I will keep the rest.
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Old 01-19-2018, 02:45 PM
 
2,235 posts, read 1,632,542 times
Reputation: 9205
Quote:
Originally Posted by jiminnm View Post
Vanguard Wellington Fund
Second this.
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Old 01-19-2018, 03:05 PM
 
Location: moved
13,570 posts, read 9,581,729 times
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Quote:
Originally Posted by jrkliny View Post
You want half in rock solid assets and only half invested. OK, what return do you expect? Would an average of 5% be OK? If so, you give me the money. I will invest it. After 10 years I will pay back the money and the equivalent of 5% annual returns. I will keep the rest.
Is this 5% CAGR nominal, or adjusted for inflation? Is it after-tax, or before? If it's after-tax, and adjusted for inflation, then I'd be thrilled to invest in jrkliny Investments, LLC.
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Old 01-19-2018, 05:18 PM
 
7,898 posts, read 7,073,479 times
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5% total, not adjusted for inflation. Definitely not after tax.
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Old 01-19-2018, 05:41 PM
 
Location: moved
13,570 posts, read 9,581,729 times
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Quote:
Originally Posted by jrkliny View Post
5% total, not adjusted for inflation. Definitely not after tax.
Dang!

One often hears of 4% as the gold-standard of inflation-adjusted, after-tax CAGR (coincidence with the 4% "safe withdrawal rule" is presumably incidental). So if I hear 5%, I get excited!
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Old 01-21-2018, 11:54 AM
 
Location: California Central Coast
741 posts, read 1,316,131 times
Reputation: 1423
Quote:
Originally Posted by galaxyhi View Post
If I were to give you $10 k cash and told you the stipulation was you had to invest it at least 50% being "safe" for the future, where would you invest it for the next 10 years? 15 years? 20 years? 25 years?
I'd put it all in ACBFF, or else divide it with 5 stocks.

Quote:
You can change it if you want at any point during the 25 years, but it must remain 50% secure and "safe".
The same for the 50%.

Quote:
Originally Posted by jrkliny View Post
You want half in rock solid assets and only half invested. OK, what return do you expect? Would an average of 5% be OK? If so, you give me the money. I will invest it. After 10 years I will pay back the money and the equivalent of 5% annual returns. I will keep the rest.
Where would you invest it though? You haven't answered the OP.
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Old 01-21-2018, 06:42 PM
 
199 posts, read 164,933 times
Reputation: 640
10 years? 15 years? 20 years?

An S&P 500 index fund/ETF. Then forget about it until you withdraw it.

It will correct and go down, but history has shown that it's about the best long-term investment out there.
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