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How to enter market with 300K- with TODAY's (markets all time high)
11-11-2019, 04:40 PM
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#1
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Dryer sheet aficionado
Join Date: Nov 2015
Posts: 25
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How to enter market with 300K- with TODAY's (markets all time high)
I am looking for specific Mutual funds and ETF recommendation on what to buy and why -for 300K that I have in my pocket now and need to put to work.
I am not going to need this money for another 15 years, so should I be much worried about the upcoming recession (if there is something like that).
Thanks,
MN Guy
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11-11-2019, 05:00 PM
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#2
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jul 2014
Location: Spending the Kids Inheritance and living in Chicago
Posts: 16,972
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VTI
__________________
Fortune favors the prepared mind. ... Louis Pasteur
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11-11-2019, 06:00 PM
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#3
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2008
Location: NC
Posts: 21,150
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Wow, way too broad a question for a meaningful answer IMO. What’s your current and target asset allocation by asset class just for starters? And where, e.g. Vanguard, Fidelity, other?
And I assume you want the market to make many new highs, as it always has. Unless you can time the market, dollar cost average in over a year if you don’t want to invest sooner/faster. Odds are good you’ll do well in 15 years either way.
__________________
No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57
Target AA: 50% equity funds / 45% bonds / 5% cash
Target WR: Approx 1.5% Approx 20% SI (secure income, SS only)
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11-11-2019, 06:53 PM
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#5
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Thinks s/he gets paid by the post
Join Date: Jan 2007
Location: Thousand Oaks
Posts: 1,111
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Quote:
Originally Posted by HNL Bill
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Probably not
I still can’t see how it’s demonstrably better to anything but lump it all into a total stock / bond fund mix duo and call it a day if your really going to leave it alone for 15 years.
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11-11-2019, 07:27 PM
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#6
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Mar 2017
Location: City
Posts: 10,308
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Quote:
Originally Posted by mh
... I still can’t see how it’s demonstrably better to anything but lump it all into a total stock / bond fund mix duo and call it a day if your really going to leave it alone for 15 years.
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Why include bonds, which over that period of time are virtually guaranteed to be a drag on returns?
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11-12-2019, 10:55 AM
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#8
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Thinks s/he gets paid by the post
Join Date: May 2005
Location: Portland
Posts: 1,703
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Sidebar ad just showed up: Our trading guide shows beginners how to earn extra income trading options
ignore that ad
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11-12-2019, 11:37 AM
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#9
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Thinks s/he gets paid by the post
Join Date: Aug 2013
Location: North
Posts: 4,022
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+1 for VTI.
__________________
Time > $$$ ~ 100% equities ~ FIRE @2031
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11-13-2019, 10:01 PM
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#10
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Thinks s/he gets paid by the post
Join Date: Jul 2003
Location: Pasadena CA
Posts: 3,339
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Or VT, more diversification which sometimes pays out
__________________
T.S. Eliot:
Old men ought to be explorers
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11-14-2019, 03:24 AM
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#11
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Dec 2008
Location: On a hill in the Pine Barrens
Posts: 9,670
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Quote:
Originally Posted by mrfeh
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+1
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11-14-2019, 05:59 AM
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#12
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gone traveling
Join Date: Jan 2019
Location: NW Ohio
Posts: 1,156
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T Rowe Price Large Cap Growth R6 fund. (TRLGX) has treated me very well this year (23%YTD), and in 2017. When all others were in negative numbers for 2018, I still made 3%.
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11-14-2019, 06:05 AM
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#13
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Thinks s/he gets paid by the post
Join Date: Jul 2007
Location: St. Louis
Posts: 1,563
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You might try to dollar cost average over the next 18 months.
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11-14-2019, 06:32 AM
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#14
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Thinks s/he gets paid by the post
Join Date: Dec 2015
Posts: 2,232
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Quote:
Originally Posted by HNL Bill
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In that thread, OP had 200K, and wouldn't need to touch it for 7-8 years,
and never answered any of the meaningful questions posed, nor posted again.
Now, 4 months later, OP has 300K and won't need to be touching it for 15 years.
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11-14-2019, 07:51 AM
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#15
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Thinks s/he gets paid by the post
Join Date: Nov 2008
Posts: 3,390
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Quote:
Originally Posted by HadEnuff
In that thread, OP had 200K, and wouldn't need to touch it for 7-8 years,
and never answered any of the meaningful questions posed, nor posted again.
Now, 4 months later, OP has 300K and won't need to be touching it for 15 years.
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Maybe the OP should put the $300k in the same place as they put the $200k. Easy Peasy.
Cheers!
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11-14-2019, 09:02 AM
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#16
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gone traveling
Join Date: Jan 2019
Location: NW Ohio
Posts: 1,156
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I wish my portfolio would grow $100K every 4 months, I wouldn't still be working.
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11-14-2019, 09:39 AM
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#17
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2007
Posts: 13,184
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Quote:
Originally Posted by HadEnuff
In that thread, OP had 200K, and wouldn't need to touch it for 7-8 years,
and never answered any of the meaningful questions posed, nor posted again.
Now, 4 months later, OP has 300K and won't need to be touching it for 15 years.
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True, but in the earlier thread it was going to be an inheritance. Maybe when the estate was finally settled, they wound up with 300K instead of 200K.
I thought maybe I smelled a troll, but the OP has told a reasonable consistent story for a few years. Still, I'm not really interested in answering nearly the same question for someone who really isn't participating much. At the very least it would be better if they bumped their own threads with an update so we can see the history, instead of starting people back at ground zero with answers.
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