http://www.bogleheads.org/forum/viewforum.php?f=1

jw, did you post? if so, link please?

VNQI is Vanguards international REIT etf. I might swap at least some of VNQ for that unless for some reason you want only exposure to the US real estate market.

Same for BND. I already have more exposure to the USD and EUR than I want to because all of my poker moneys are in those currencies. All my long term bond holdings are in chf/cad/aud. Also have a look at CEW OR CCX.

So I'm completely new to investing, never read any books or anything, but I've got about 40k that i'm looking to invest, and I have no idea where to start.

Keeping the 40k pretty liquid is important to me, and I don't really want something too swingy. Would I be right in guessing that I should just invest in an assortment of blue chip stocks?

Thanks

Country you live in: Australia
Net Income (after living expenses): ~60k
Risk Tolerance: low-medium
Timeframe for investment: 4-years (but may need to take a chunk out after ~1 year)
Debt: none

it doesn't sound like to me that you're comfortable enough to own stocks (especially with a 1 to 4 yr timeframe) and you want liquid

Yeah... I think I kind of agree.

I looked into term deposits a little, would it be so bad to lock it up in a 5.8% p.a. term deposit for 12 months and evaluate after that? Or is there something similiar that I don't know about which would provide a better return?

Hey, I got some monies left on moneybookers that I dont really need right now (~1k$), is there anything profitable i can do with right through moneybookers?
risk tollerance is high and timeframe like a couple of years.

and i really dont want to move the money arroung to my bank etc, so moneybookers only please.

Thanks for the helps

Hey guys--a little background:

Where you live: New York--23 years old
Income: ~$80k prior to year-end bonus of about $40-$80k
Risk Tolerance: Medium/high
Timeframe for investment: 1-3 years
Debt: No debt or student loans

I've got about $30-50k I'd like to put in play. I was thinking of an allocation something like this:

40% SPY
20% GLD (or a broader commodities index?)
20% XLE
20% undecided (REITs, high yield bonds?)

What do you guys think?

Thanks!

Don't do this if your timeframe for investing is 1-3 year. Markets are volatile.

I am 33 years old. I have 3 k cash right now to invest. Should I just add to something I already have below? I have not moved stuff around in forever. Should I consult an advisor from the bank through whom I have the mutual funds (Suntrust)?
* Country you live in
USA

* Income
55-65k annual

* Risk Tolerance
Open to ideas, Some % of high risk tolerance

* Timeframe for investment
Long Term

* Debt
None

* Any other information you might have that would help us

I have a Vanguard Roth IRA 500 Index Fund-14k value

Mutual fund porfolio - 26k value broken down as so (roughly)

Fidelity Advisor mid cap (FMCDX) -5k
MFS new Discovery Class C (MNDCX)-4k
MFS Value Class C (MEICX)-4k
Oppenheimer Capital Appreciation Class A (OPTFX)-6.4k
Putnam International Equity CL A(POVSX) 2.5k
Ridgeworth Small Cap Value Equity (STCEX)-5.4k

First, I would stop using that bank for investment purposes. They're ripping you off. I looked up those funds. They are all over 1% expense ratios. Worse than that, they all had loads of 5.75% except for one which had a load of 1%. That should be criminal.

Open an account at Vangaurd or Fidelity and buy a no load fund with a low expense ratio (perhaps a total market index fund or Russell 3000 index). You might as well just transfer your current funds to that account and create some kind of strategy. It doesn't really seem like you have one from that list of funds. I would think about your portfolio as a whole and work something out. For example, what percentage do you want in the US versus international? What percentage in small versus large caps? And for international, what percentage in emerging versus developed? And what about other asset classes like fixed income?

Whatever you do, don't invest that current 3k with this bank. They'll probably take nearly $180 right off the top for load as they did with the other funds.

this a similar question i have about 13000 grand that i would like to roll into quick cash with a very knowledable day trader, you would be compisated without the risk and meet a great new friend, i really want to increase my poker bankeroll by ten grand so i can travel and play more comfortable

Holy crap. If I had 13 million dollars to invest I would just buy a bunch of lane, a few conservative properties in areas I want to live throughout the year, and retire.

Thank you for the advice. These are very old funds. I obviously know nothing about this but am trying to educate myself. I like the idea of a total market mutual fund like you said until I can make more informed decisions.

In general avoid mutual funds. They charge through the nose for effectively nothing. Use ETFs or exchange traded funds. They are basically the same as a mutual fund but normally far lower MERs.

One thing you might want to consider is transferring all your money to Vanguard and dumping it into a traget retirement fund. These are funds that do all the allocation work for you. You can just drop your money in there and have a diversified portfolio with a good asset and international allocation. They are also very low cost.

jesus man, how do you not know about ubank. 6.51% and access to your money at all times.

you owe me a reacharound. cheers.

Me too got like 1k$ in my MB acc that i kinda dont need right now (might need it soon tho) is there anything i can do with them?

hey guys i woulda have replyed sooner but i didnt know how to figure out how to find my posts the first nite i defintly took it to heart and really thought noone cared, im taking the time to read everyones for i actually will write back to evreyone as much i can no matter her big nor smalll i am, im pretty much trying to pull a mike wolf but with no safe haven, well yea i do, and its not horrible but i need to figure out if i can make it with out it honestly itll force me do survive or fall victims to the street as a crack head... but with less appearence effecting drugs.. a crack head gets judge horribly wrong, its a problem that with help they can really do something with there life

thats whats wrong with america, to many people not doing what there passion about, if more people picked jobs based on their passion more quailty and less quainty would get done

im mean sure we might have to personally learn how to do somethings but imagine the world if people could do what they love to do, some people love to build and hardwork, some are good artists, some are good with there mouth, some arnt just that good at anything, "but force them to be" im pretty sure i know me neways, if my life depended on playing at least decent nfl football i could do it

Why isn't this guy banned? I don't think he's done anything "wrong" per se, but man every post he makes is completely non sequiter and incomprehensible.

Has anyone read the books listed here on Boggle Head? I was thinking about picking one up.

http://www.bogleheads.org/forum/viewtopic.php?t=6211

He probably isn't banned because you haven't reported his post. Click on the 'report post' button rather than whining about it, Mods won't read everything you write on here. Reporting the post lets them know about it.

I happen to like his posts, I find them witty and insightful.