The "I have XX money to invest, where should I put it?" Thread

[tyler_cracker]

Originally Posted by BluffingX

150k usd
9 months - 18 months
non country specific
looking for 6%+ return

good luck!

[oofRome]

Originally Posted by BluffingX

150k usd
9 months - 18 months
non country specific
looking for 6%+ return

do you have a floor?
(for example, suppose there is an account where you have the full potential for market returns, but in order to do so requires putting some of your capital at risk, and if the market goes south, you're not guaranteed to be 100% in cash until a certain mark, like 135k or 125k or 115k, etc)

[GodSmackJack]

Not sure what to do with about a 100K in three different 401Ks that I'm no longer contributing to...roll it over into the new 401K I'm getting ready to start, maybe an IRA? Right now I've got about 2/3 of it sitting in one account and it's all in a Prime Reserve fund so it's making really no money.

[dalerobk2]

Originally Posted by GodSmackJack

Not sure what to do with about a 100K in three different 401Ks that I'm no longer contributing to...roll it over into the new 401K I'm getting ready to start, maybe an IRA? Right now I've got about 2/3 of it sitting in one account and it's all in a Prime Reserve fund so it's making really no money.

Definitely roll into into an IRA where you'll have more control and options.

[oofRome]

godsmack,

dale gave you the best answer. ^^^

[BluffingX]

Originally Posted by oofRome

do you have a floor?
(for example, suppose there is an account where you have the full potential for market returns, but in order to do so requires putting some of your capital at risk, and if the market goes south, you're not guaranteed to be 100% in cash until a certain mark, like 135k or 125k or 115k, etc)

I'm not against putting my money somewhere that isn't 99% safe, but the math would need to work out very nicely.. and I would be on the conservative side for 2 reasons: 1/ I'm not experienced in estimating probabilities on investments and 2/ I don't trust these fund managers/financial analysts/business type people.

Could you give me some options to look at, I'll review them then post back here what I think..

[oofRome]

Originally Posted by BluffingX

I'm not against putting my money somewhere that isn't 99% safe, but the math would need to work out very nicely.. and I would be on the conservative side for 2 reasons: 1/ I'm not experienced in estimating probabilities on investments and 2/ I don't trust these fund managers/financial analysts/business type people.

vanguard total bond market it is!!

[tyler_cracker]

except he also wants 6% return, which seems... optimistic for a bond fund.

[dalerobk2]

BluffingX,

Your expectations are completely unrealistic. If you want to be on the "conservative side" for 9-18 months, there's no way to get anywhere near 6%. In order to have any possibility to get that return you would have to take on signficant risk. If you're going to want this money in less than 18 months, then just stash it in an 18-month CD or a bank account or something. You could do a shortterm bond fund, but that will return less than 1% as well.

[BluffingX]

what's the deal with term deposits 3,6,12 months etc, with reputable banks in:

india +8%
brazil +9%
australia +4.5%

these would seem pretty safe, why is the return so high?

[oofRome]

Originally Posted by tyler_cracker

except he also wants 6% return, which seems... optimistic for a bond fund.

of course it's optimistic! He really should just put his money in a CD if he needs it in 9 months.

[BluffingX]

I'm thinking,

100k usd worth of INR in indian 1 year term deposit @ 8%.
5k usd in a forex trading account, selling 100k usd worth of INR on margin.. i.e. short INR so you break even on any currency movement.

What am I missing?

[oofRome]

Well, please come back in 1 year and let us know how it works out. I'm always interested in hearing about ways people can put their money to work. This sounds something like that is off the beaten path, but if it works (or doesn't work) I'd love to know the details.

[taikogod]

Country you live in: Canada
Income: not too important
Amount to invest: 30k
Risk Tolerance: Low
Debt: None

Timeframe for investment: 1 year

Just have 30k to invest in a year and don't want to just let it sit in a savings account. It's a one time thing, so I don't think my income really matters. No worries about emergency funds.

[tyler_cracker]

with low risk tolerance and a 1 year horizon, i recommend a "high-yield" savings account. i feel like i learned a good option for this in canada but i can't remember what it was anymore. try searching this thread.