What would you invest in with 100K? SERIOUS answers only

[MindGame]

Get some physical Silver in 1-10 ounce increments... The applications for Silver keep going up and as our population grows and Innovation finds new applications for Silver, the demand will continue to rise...
Gold is nice, but it won't out-pace Silver...

You don't want too heavy a increment, because it's much more difficult to sell a big Silver bar then 1 to 10 ounce increments...

I wouldn't go overboard with it, with a hundred grand you might not want to go much more than 15K to 20K, diversity in other areas is smart...

[Sugar Adam Ali]

Get some physical Silver in 1-10 ounce increments... The applications for Silver keep going up and as our population grows and Innovation finds new applications for Silver, the demand will continue to rise...
Gold is nice, but it won't out-pace Silver...

You don't want too heavy a increment, because it's much more difficult to sell a big Silver bar then 1 to 10 ounce increments...

I wouldn't go overboard with it, with a hundred grand you might not want to go much more than 15K to 20K, diversity in other areas is smart...

Solid post... silver is exactly what you say...

My only longterm fear is that they develop synthetic silver, once demand for silver greatly outnumbers the limited supply..


I know they are working on it but so far obviously unsuccessful

[maracho]

Family themed like Ice cream parlors on a main street or Amusement centers with both laser tag and beer garden always seem to make a killin.

[paulf]

You must spread some Reputation around before giving it to Sugar Adam Ali again.

School me in on this bro. I was about to go with Ameritrade or Etrade but I heard Charles Schwab was also one of the best ones for beginners. I just want to buy stocks in start ups I believe in and not get raped. What you think?

I have used schwab for years and have no complaints.. website and customer service are top notch.. they cater more to the average joe than elite wealthy 1%ers

Commission is cheap at 8.95 a trade, and fee is waived if you invest into one of their funds..

I invest in their s&p index SWPPX

If you have 100k to invest, I would start a schwab Roth IRA, and a normal schwab brokerage account ( Roth IRA is capped yearly so you can only put in a few thousand each year)

Cap out this year 2017, and next year 2018 and throw it all into 1 or 2 index funds, preferably ran by schwab

The rest of the money put into the brokerage account, and put 50% into an index fund, and then like 10% into blue chips like PG, Jpm, Amazon, Microsoft,

Be sure to reinvest dividends


Then just let it sit, maybe shifting money from brokerage to IRA every year, to cap out the IRA


Don't go after startups,,,, the bust ratio is high, and they don't pay dividends.. unless you are a specialist in investing, stay away from startups..

Listen to this advice, dude. If you don't follow the market heavily on a day to day basis, trying to pick startup stocks is a really bad idea. You'd basically be buying a ****load of lottery tickets.

By now, index funds are pretty much accepted as the only way to fly over the long term. Very little evidence that managed/mutual funds can beat the market average over time (index funds, oversimplified, are a micro replication of the market as a whole), and the fees are a small percentage of what an actively managed fund are, so in the long run, you're going to win out.

If you're going to sit on this money for a while, don't forget to straddle that bet. No one wants to buy bonds, but by the end of the year they're probably going to be more attractive.

Fill this out for a suggestion as to how to mix it up.
https://personal.vanguard.com/us/FundsInvQuestionnaire

[Sane Man]

i got $300k savings and mutual funds. following this thread.

quite honestly in my case, i'd rather just leave it in mutual funds.. dont know **** about business. and many franchising are "scams".. many corporations make money of people who buy their franchise.. it's franchise owners that suffers..

You got $300k in savings, but couldn't find someone willing to throwdown with Larry on your behalf while you ran like a girl when he came looking for you?

[Teetotaler]

Open up a bar or purchase one

[MindGame]

Solid post... silver is exactly what you say...

My only longterm fear is that they develop synthetic silver, once demand for silver greatly outnumbers the limited supply..


I know they are working on it but so far obviously unsuccessful

The Alchemists have tried to turn lead into Gold since forever... It's probably not going to happen for either or Platinum for that matter...


I think you're safe with Silver, relax...
If someone's going to come up with a synthetic metal I'm sure it's going to be Gold or Platinum rather than Silver... It's like someone taking the time to counterfeit $1 Bills instead of $20's and up with the same effort... Might as well go for the Gold or Platinum when the effort is comprable and certainly not 30+ times the effort....

[TheGR8TESTOAT]

I have used schwab for years and have no complaints.. website and customer service are top notch.. they cater more to the average joe than elite wealthy 1%ers

Commission is cheap at 8.95 a trade, and fee is waived if you invest into one of their funds..

I invest in their s&p index SWPPX

If you have 100k to invest, I would start a schwab Roth IRA, and a normal schwab brokerage account ( Roth IRA is capped yearly so you can only put in a few thousand each year)

Cap out this year 2017, and next year 2018 and throw it all into 1 or 2 index funds, preferably ran by schwab

The rest of the money put into the brokerage account, and put 50% into an index fund, and then like 10% into blue chips like PG, Jpm, Amazon, Microsoft,

Be sure to reinvest dividends


Then just let it sit, maybe shifting money from brokerage to IRA every year, to cap out the IRA


Don't go after startups,,,, the bust ratio is high, and they don't pay dividends.. unless you are a specialist in investing, stay away from startups..

You must spread some Reputation around before giving it to Sugar Adam Ali again. LOL Bro it won't let me green K you thought it would be now how long do we have to wait like 2 weeks or something?

But yeah appreciate the knowledge. How about Robin Hood AP? My boy suggested to use Robin Hood Ap have you used it? Thoughts?

[JasonBoxing]

Dependa on your income.

If you make 40k a year and you are in your 20s. Keep at least 20k of that as a safetu net in event of something happening. Invest the rest.


If you make six figures, you dont have to worry about cash flow so just invest all in some nevada or texas small real estate.

But depends on your life style.

[JasonBoxing]

Tbh 100k is a lot of money but only if your income is good. So you can live nice and have additional 100k in investments savings.

Seriously if you are doing a low paying job though? Ill take out half of that to just cash flow.

You will regret not driving that bmw when you are older and all funds tied to kids...