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USA
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Posted: 5/3/2024 8:07:38 PM EDT
[#1]
Quote HistoryOriginally Posted By Rustler: Not sure if serious, but I've never taken crypto serious because I've heard it can be hard to liquidate "crypto" can be, because 99.9% of shitcoins go to zero. BTC isn't "crypto" though. Unless we have another black-swan event like Wu"shutdowneverything"Flu, Bitcoin is as easy as calling your brokerage. I would suggest ARKB or another of the ETFs because otherwise you would have to learn self-custody and security. |
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TX, USA
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Posted: 5/3/2024 8:08:15 PM EDT
[#2]
I've stated it in other threads like this. Buy AAPL!
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Posted: 5/3/2024 8:10:05 PM EDT
[#3]
1. Put it all in Vanguard Money Market - currently paying 5.41%
https://investor.vanguard.com/investment-products/mutual-funds/profile/vmfxx 2. Every month, move about $5,000 into a stock fund, such as this. Moving it over a period of time decreases your risks. https://investor.vanguard.com/investment-products/etfs/profile/voo If you don't already have an IRA, start contributing the yearly maximum into an IRA. Use the funds from 1&2, if necessary. |
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CA, USA
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Posted: 5/3/2024 8:15:24 PM EDT
[#4]
what's wrong with putting large amounts of money in a fixed-rate CD instead?
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WA, USA
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Posted: 5/3/2024 8:17:53 PM EDT
[#5]
Quote HistoryOriginally Posted By outdoorgb: $100k in high yield savings at 5%+ CD and TBill at 5%+ Assuming your Roth is fully funded and all other investments are in use. This. |
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Posted: 5/3/2024 8:18:39 PM EDT
[#6]
15% into bitcoin (etf approved and probably the only crypto to be approved)
All the rest into a S&P 500 linked fund. |
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Posted: 5/3/2024 8:31:37 PM EDT
[#7]
Land and heavy equipment
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Posted: 5/3/2024 8:33:55 PM EDT
[#8]
Dollar down . . . gold up . . . it's really pretty simple.
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Posted: 5/3/2024 8:51:21 PM EDT
[Last Edit: spidey07]
[#9]
Quote HistoryOriginally Posted By jackthom8: what's wrong with putting large amounts of money in a fixed-rate CD instead? https://i.ytimg.com/vi/ZZ6sqf3d3nA/maxresdefault.jpg Over time it gets eaten by inflation. Why not get 10% in stock market which historically always outpaces inflation? |
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Posted: 5/3/2024 8:54:13 PM EDT
[Last Edit: 56xdx_Z]
[#10]
Quote HistoryOriginally Posted By midcap: YOU BETTER BE PREPARING FOR THE UPCOMGIN FIANANCIAL PROLAPSE! LEAD AND BRASS AND GOLD AND SILVER. BETTER START STOCKING UP FROM 4 PATRIOT!! snorted Call today for your free gold brochure, we'll even include the exclusive America First Prayer Blanket as a free gift |
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Posted: 5/3/2024 8:55:44 PM EDT
[#11]
I only had $100,000
Should have bought a Dodge Demon 
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Posted: 5/3/2024 9:15:39 PM EDT
[#12]
Get a BigFig, convert to dollar bills. Stuff the BigFig.
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Posted: 5/4/2024 8:31:55 AM EDT
[#13]
After you have paid down your debt, maxed out your tax advantaged retirement accounts, I would open a brokerage account and stick it in a S&P 500 fund.
IVV or VOO are low expense ETF's. If you don't feel like you want to put it all in at once, buy a chunk of it to start with and then Dollar Cost Average after that. |
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FL, USA
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Posted: 5/4/2024 8:32:44 AM EDT
[#14]
Real Estate!!!!!
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Posted: 5/4/2024 8:40:52 AM EDT
[#15]
max out ibonds
high yield savings cd's for the 3 month, then roll them over or buy another one |
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ISR
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Posted: 5/4/2024 8:43:14 AM EDT
[Last Edit: Jack19]
[#16]
Quote HistoryOriginally Posted By BillofRights: Why do we keep getting these threads? Inheritances? Real estate sales? BC? Something else? Call Fidelity, have it put into their MM fund. From there, you can decide how to invest it further. I said Fidelity for a specific reason. Can we please get a Sticky for this. The repetition is getting tiresome. I have to agree. Might as well get all the terrible advice in one place. |
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FL, USA
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Posted: 5/4/2024 8:43:54 AM EDT
[Last Edit: Pallas]
[#17]
I'm getting 4.35% on a $180k Life Insurance payout, I'm leaving it there for the time being. My FA and WMgr didn't seem to have an issue with my choice.
*This is not a suggestion on what you should do. The money I have in that account isn't for long term, I plan on blowing it, it's quick access money. |
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Posted: 5/4/2024 8:45:19 AM EDT
[#18]
Dow index fund.
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ISR
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Posted: 5/4/2024 8:49:18 AM EDT
[#19]
Quote HistoryOriginally Posted By Steel-Driver-76: Dow index fund. LOL. Really? 30 companies? Can't make this shit up. Don't do this OP. |
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MOZ
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Posted: 5/4/2024 8:52:56 AM EDT
[#20]
VMFXX until you figure out what to do with it.
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MN, USA
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Posted: 5/4/2024 8:57:59 AM EDT
[Last Edit: norseman1]
[#21]
CDs
My favorite ones these days: - anything by Metallica - G'War early stuff - Frank Sinatra Holiday Music compilation - Sound track to Quigley Down Under - G'NR Use Your Illusion vol 1&2 But seriously, CDs are your best bet aor an 18-24 month investment to get a pretty decent return these days. 5%+ is fucking free money with (near) zero liability |
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Posted: 5/4/2024 9:02:30 AM EDT
[#22]
Bitcoin, buy at all time highs. Wait till it collapses and panic sell. Rinse and repeat until it’s all gone
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Posted: 5/4/2024 9:13:38 AM EDT
[#23]
$200k in cash in a saving account, your mattress, etc is a massive money losing proposition / terrible idea. Those dollars will lose their value far faster than that money will grow via interest. That $200k could easily only be worth $100k within 20 years at the rate things are going, maybe much sooner.
$200k in gold would probably still be worth $200k 20 years later, maybe a lot more. $200k in investments could be worth much, much more 20 years later, but your going to have massive tax bills attached, what’s Biden’s current want? 45% capital gains tax? As well as unrealized profits tax as well? So your $200k in investments could get a big bill each year for unrealized gains, and then when cashed a 45% capital gains tax as well. No clue what the future holds but I’d think it’s safe to assume huge tax increases, dollar losing much more value, etc. |
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Posted: 5/4/2024 9:15:09 AM EDT
[#24]
Quote HistoryOriginally Posted By cavedog: VFIAX (Vanguard SP500 Index Fund: Admiral). Simmer for 20 years, Similarly, I like VIGAX a little better than VFIAX, but I have both. |
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NC, USA
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Posted: 5/4/2024 9:20:49 AM EDT
[#25]
Quote HistoryOriginally Posted By Sixgunner45: I WOULD have said land, even last year, but I think you missed the boat on that one. I bought 16 acres two years ago and paid it off. It is now worth over DOUBLE what I paid for it. Land is awesome, but how much money did those 16 acres make for you? I see people saying something similar all the time about how much their house has went up in value. They never plan on selling that house. The gains are essentially worthless. |
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NC, USA
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Posted: 5/4/2024 9:24:21 AM EDT
[#26]
CD or MMF, either should be paying around 5% and that is about the best you’re ever doing safely.
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NC, USA
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Posted: 5/4/2024 9:25:30 AM EDT
[#27]
Quote HistoryOriginally Posted By BillofRights: Why do we keep getting these threads? Inheritances? Real estate sales? BC? Something else? Call Fidelity, have it put into their MM fund. From there, you can decide how to invest it further. I said Fidelity for a specific reason. Can we please get a Sticky for this. The repetition is getting tiresome. This! Follow THIS advice! |
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PA, USA
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Posted: 5/4/2024 9:26:43 AM EDT
[Last Edit: billclo]
[#28]
Quote HistoryOriginally Posted By norseman1: CDs My favorite ones these days: - anything by Metallica - G'War early stuff - Frank Sinatra Holiday Music compilation - Sound track to Quigley Down Under - G'NR Use Your Illusion vol 1&2 But seriously, CDs are your best bet aor an 18-24 month investment to get a pretty decent return these days. 5%+ is fucking free money with (near) zero liability Well I've got some money in an CD @5.25%. By the time I pay taxes on the interest, and account for inflation (lets just assume the bullshit number the .gov comes up with is somewhat accurate), its standing still. Buuuut, it is an emergency fund. I have other investments to get more than that... well some of them are performing okay, some are underpeforming. One thing I appreciate about these "where should I put my money" threads is that even though they get repetitive, I learn something from them. I just started investing in VOO a couple weeks ago, after seeing several mentions about it, checked it out, looks good. Put money in, eyeball it once in a while, add money into it monthly, done. Unlike my "managed" funds that my financial advisor has us in that are underperforming (and he charges .8% to boot), and I have to keep an eye on things because he surely isn't. One would think he would be proactive and call us up and say Well X isn't doing so well, maybe we ought to dump it and try one of these other options. Nope. He lets it ride and keeps on collecting his $.  But I am not savvy enough to take all that money away from him and do it all myself, so we spread our money out between him, VOO, one of my wife's previous 401(k)s and her current employer. |
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Posted: 5/4/2024 9:53:47 AM EDT
[#29]
Originally Posted By Rustler: Hypothetically, you have $200K to invest into something. What would you put it into? There are quite a few money market funds and other investment vehicles that are paying 4% or more these days. Kind of a no-brainer, really. |
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Posted: 5/4/2024 10:01:53 AM EDT
[#30]
Quote HistoryOriginally Posted By Sixgunner45: I bought 16 acres two years ago and paid it off. It is now worth over DOUBLE what I paid for it. Doubling in 16 years is a 4.5% return per year and you had to pay property taxes. |
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Posted: 5/4/2024 10:02:46 AM EDT
[#31]
Quote HistoryOriginally Posted By Bubbles: Doubling in 16 years is a 4.5% return per year and you had to pay property taxes. Quote HistoryOriginally Posted By Bubbles: Originally Posted By Sixgunner45: I bought 16 acres two years ago and paid it off. It is now worth over DOUBLE what I paid for it. Doubling in 16 years is a 4.5% return per year and you had to pay property taxes. Uhhh... that's 2 (two) years. |
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Posted: 5/4/2024 10:36:16 AM EDT
[#32]
Quote HistoryOriginally Posted By FourLoko: I only had $100,000 Should have bought a Dodge Demon |
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NC, USA
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Posted: 5/4/2024 11:16:07 AM EDT
[#33]
Quote HistoryOriginally Posted By Element94: I never really get it when people say "whats your goal?" The goal is to make more money. This! When someone says that to me, my answer is alway to make as much money as I can without losing any. My timeframe is right now. Why are we classifying and compartmentalizing? I assume the answer is because the stock market is up and down and you’re hoping your gains will outweigh your losses over time and you’ll beat simple investing in a MMF. It’s a long game. I’m not sure I have the patience. |
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NC, USA
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Posted: 5/4/2024 11:17:26 AM EDT
[#34]
Quote HistoryOriginally Posted By T1NMAN: South African 7.62x51 battle packs ....in 2001. BOOM! Winner! |
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Posted: 5/4/2024 11:30:35 AM EDT
[#35]
Quote HistoryOriginally Posted By jackthom8: what's wrong with putting large amounts of money in a fixed-rate CD instead? https://i.ytimg.com/vi/ZZ6sqf3d3nA/maxresdefault.jpg |
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Posted: 5/4/2024 2:47:55 PM EDT
[#36]
Quote HistoryOriginally Posted By billclo: Well I've got some money in an CD @5.25%. By the time I pay taxes on the interest, and account for inflation (lets just assume the bullshit number the .gov comes up with is somewhat accurate), its standing still. Buuuut, it is an emergency fund. I have other investments to get more than that... well some of them are performing okay, some are underpeforming. One thing I appreciate about these "where should I put my money" threads is that even though they get repetitive, I learn something from them. I just started investing in VOO a couple weeks ago, after seeing several mentions about it, checked it out, looks good. Put money in, eyeball it once in a while, add money into it monthly, done. Unlike my "managed" funds that my financial advisor has us in that are underperforming (and he charges .8% to boot), and I have to keep an eye on things because he surely isn't. One would think he would be proactive and call us up and say Well X isn't doing so well, maybe we ought to dump it and try one of these other options. Nope. He lets it ride and keeps on collecting his $. But I am not savvy enough to take all that money away from him and do it all myself, so we spread our money out between him, VOO, one of my wife's previous 401(k)s and her current employer. Once you are comfortable with VOO, add VUG or VOOG. Then get your feet wet into the admiral funds like VIGAX, VTSAX, VFIAX and you'll see better ROI. |
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PA, USA
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Posted: 5/4/2024 2:50:44 PM EDT
[#37]
I would get together with like minded friends and create a small investment group to purchase starter homes.
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Posted: 5/4/2024 3:24:30 PM EDT
[#38]
Quote HistoryOriginally Posted By konger: This! When someone says that to me, my answer is alway to make as much money as I can without losing any. My timeframe is right now. Why are we classifying and compartmentalizing? I assume the answer is because the stock market is up and down and you’re hoping your gains will outweigh your losses over time and you’ll beat simple investing in a MMF. It’s a long game. I’m not sure I have the patience. Quote HistoryOriginally Posted By konger: Originally Posted By Element94: I never really get it when people say "whats your goal?" The goal is to make more money. This! When someone says that to me, my answer is alway to make as much money as I can without losing any. My timeframe is right now. Why are we classifying and compartmentalizing? I assume the answer is because the stock market is up and down and you’re hoping your gains will outweigh your losses over time and you’ll beat simple investing in a MMF. It’s a long game. I’m not sure I have the patience. But what your looking for doesn’t exist. You said make as much as I can without losing any. That’s counter intuitive. Gains involve risk. Aka loss of value or capital. You don’t get both. Low risk products, like bonds, tbill, etc have low risk. As such low gains. Stocks and stock funds have the highest gains over time, but more risk. Aka loss. Long term 10+ years your best gains are stocks. They always go up and beat inflation. If you go with low risk products historically long term gains are eaten by inflation. So when it comes to investing 3 things are of utmost importance. Risk, time, goals. They are comingled and can’t be separated. |
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PA, USA
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Posted: 5/4/2024 3:38:03 PM EDT
[#39]
Quote HistoryOriginally Posted By M4ger: Once you are comfortable with VOO, add VUG or VOOG. Then get your feet wet into the admiral funds like VIGAX, VTSAX, VFIAX and you'll see better ROI. Quote HistoryOriginally Posted By M4ger: Originally Posted By billclo: Well I've got some money in an CD @5.25%. By the time I pay taxes on the interest, and account for inflation (lets just assume the bullshit number the .gov comes up with is somewhat accurate), its standing still. Buuuut, it is an emergency fund. I have other investments to get more than that... well some of them are performing okay, some are underpeforming. One thing I appreciate about these "where should I put my money" threads is that even though they get repetitive, I learn something from them. I just started investing in VOO a couple weeks ago, after seeing several mentions about it, checked it out, looks good. Put money in, eyeball it once in a while, add money into it monthly, done. Unlike my "managed" funds that my financial advisor has us in that are underperforming (and he charges .8% to boot), and I have to keep an eye on things because he surely isn't. One would think he would be proactive and call us up and say Well X isn't doing so well, maybe we ought to dump it and try one of these other options. Nope. He lets it ride and keeps on collecting his $. But I am not savvy enough to take all that money away from him and do it all myself, so we spread our money out between him, VOO, one of my wife's previous 401(k)s and her current employer. Once you are comfortable with VOO, add VUG or VOOG. Then get your feet wet into the admiral funds like VIGAX, VTSAX, VFIAX and you'll see better ROI. That sounds like a plan. Thanks.  |
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Posted: 5/4/2024 3:40:30 PM EDT
[#40]
I will stay with a capital one HYS around 5% roughly $1000 in interest a month. Before tax ..FJB
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Posted: 5/4/2024 3:47:45 PM EDT
[Last Edit: spidey07]
[#41]
Quote HistoryOriginally Posted By Sdsquad1: I will stay with a capital one HYS around 5% roughly $1000 in interest a month. Before tax ..FJB You ready for the tax bill on that interest every year? Taxes and inflation are the wealth killer. After taxes and inflation you’re not in the green. |
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Posted: 5/4/2024 3:54:26 PM EDT
[#42]
Honestly, I have that amount sitting in a HYSA waiting to transfer it during escrow. But since we can't compete with Chicoms or other foreign-sounding nationals, I've been thinking of investing that money (and more) into an off-grid pre-built house where I could grow food.
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Posted: 5/4/2024 3:56:41 PM EDT
[#43]
Quote HistoryOriginally Posted By Scalped: Honestly, I have that amount sitting in a HYSA waiting to transfer it during escrow. But since we can't compete with Chicoms or other foreign-sounding nationals, I've been thinking of investing that money (and more) into an off-grid pre-built house where I could grow food.  put the rest into DOGE and let it ride. |
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OR, USA
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Posted: 5/4/2024 4:03:43 PM EDT
[#44]
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Posted: 5/4/2024 4:15:48 PM EDT
[Last Edit: spidey07]
[#45]
Quote HistoryQuote HistoryOriginally Posted By guyknight: Originally Posted By zer0t: money market at 5+ /media/mediaFiles/sharedAlbum/this-gif-793.gif Can you explain why? Taxes and inflation make that have no real gain over time. It’s just parked, doing nothing. Getting eaten. Why not make 10% and beat inflation and only have tax on the gain when you sell to lower overall long term tax liability? Cash is trash. Always has been. |
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CA, USA
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Posted: 5/4/2024 4:30:03 PM EDT
[#46]
Quote HistoryOriginally Posted By behindenemylines: Cheese or salsa? Get both |
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Posted: 5/4/2024 4:40:58 PM EDT
[#47]
200k in 1 month tbills gives you $883 a month
That could fund you roth contibutions each year. |
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Posted: 5/4/2024 4:43:50 PM EDT
[#48]
Orange juice futures
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Posted: 5/4/2024 4:49:18 PM EDT
[#49]
50% in vanguard growth index and 50% vanguard S&P 500 index
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Posted: 5/4/2024 4:55:29 PM EDT
[#50]
Quote HistoryOriginally Posted By konger: This! When someone says that to me, my answer is alway to make as much money as I can without losing any. My timeframe is right now. Why are we classifying and compartmentalizing? I assume the answer is because the stock market is up and down and you’re hoping your gains will outweigh your losses over time and you’ll beat simple investing in a MMF. It’s a long game. I’m not sure I have the patience. Quote HistoryOriginally Posted By konger: Originally Posted By Element94: I never really get it when people say "whats your goal?" The goal is to make more money. This! When someone says that to me, my answer is alway to make as much money as I can without losing any. My timeframe is right now. Why are we classifying and compartmentalizing? I assume the answer is because the stock market is up and down and you’re hoping your gains will outweigh your losses over time and you’ll beat simple investing in a MMF. It’s a long game. I’m not sure I have the patience. Trust me. Based on what you just said, you lack the patience and fortitude. |
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