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How to invest $100,000.00
Old 03-02-2013, 06:19 PM   #1
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How to invest $100,000.00

How would you advise to invest $100,000.00 with the highest return and the lowest risk of loss? This money is a significant portion of my nest egg. Thanks.
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Old 03-02-2013, 06:34 PM   #2
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My advice: take $50 and buy a couple of investment books. Don't do anything with the remaining $99,950 until you educate yourself. Mike Piper writes some easy to understand books: Mike Piper - Bogleheads
Also, I like the Bogleheads who follow the principles of Jack Bogle, founder of Vanguard Mutual Fund Company. Category:Getting started - Bogleheads
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Old 03-02-2013, 07:15 PM   #3
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How would you advise to invest $100,000.00 with the highest return and the lowest risk of loss? This money is a significant portion of my nest egg. Thanks.
Which do you want, highest return or lowest risk of loss? You're not going to get both.
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Old 03-02-2013, 07:29 PM   #4
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Better safe than sorry, so it would be the lowest risk of loss.
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Old 03-02-2013, 09:15 PM   #5
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Barclays bank online savings account @ 1% interest until you figure out what you want.
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Old 03-02-2013, 10:05 PM   #6
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Better safe than sorry, so it would be the lowest risk of loss.
Don't forget loss of buying power - inflation. If your investment does not keep up with inflation, you did have a loss.

-ERD50
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Old 03-02-2013, 10:35 PM   #7
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My advice: take $50 $100 and buy a couple of several investment books. Don't do anything with the remaining $99,900 until you educate yourself.
+1. Maybe even buy a short-term CD to discourage you from doing anything too hasty while reading/learning.

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Old 03-02-2013, 11:03 PM   #8
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It would not be a mistake at all if you took a year to learn about mutual funds, ETF's and and risk tolerance. It's not hard (I did it and I'm no genius) but it does take some effort. Stay away from brokers and salesmen. No one cares more about your portfolio than you.
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Old 03-03-2013, 02:11 AM   #9
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May I ask how old you are ? My answer to your question will change if you are say in your 20s or 70s for example.
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How would you advise to invest $100,000.00 with the highest return and the lowest risk of loss? This money is a significant portion of my nest egg. Thanks.
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Old 03-03-2013, 05:40 AM   #10
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I will be 50 this month. The money has been in a GNMA fund the last 6 months. Every month, the principal has gone down and the dividends almost make up for that. This month is the first month that I have my "original investment" back. I think I might take it out of the GNMA fund and put it into an online savings account until the investment climate becomes clearer. Any comments!
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Old 03-03-2013, 05:45 AM   #11
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Any comments!
Might be time to start looking for a full-time job.
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Old 03-03-2013, 05:47 AM   #12
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A full time WHAT!
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Old 03-03-2013, 06:00 AM   #13
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A full time WHAT!
J-O-B, where you work for an income. I say that based on these posts from last year:

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I am very stressed out at work and I want to retire NOW. I am 49 years old. My investments will bring in about $1000 a month.
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Half of the income is generated by a fixed immediate annuity, and the other half will be invested in a T. Rowe Price GNMA fund.
If what was generating half your retirement income is now generating next to nothing, you'll need a job to prevent depleting your nest egg. It appears you don't have nearly enough saved to invest ultra-conservatively, live off the income and make it last until SS kicks in.

A job is the answer.
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Old 03-03-2013, 06:18 AM   #14
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I was afraid that you would say that...
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Old 03-03-2013, 06:20 AM   #15
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A job is the answer.
Based the additional information presented, that would be the unfortunate conclusion .
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Old 03-03-2013, 06:21 AM   #16
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I was afraid that you would say that...
I know I didn't paint a very pretty picture, but then I'm no Rembrandt...
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Old 03-03-2013, 08:16 AM   #17
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I know I didn't paint a very pretty picture, but then I'm no Rembrandt...
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Old 03-03-2013, 09:17 AM   #18
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Fidelity's GNMA fund is where my most conservative, non-cash, dollars reside. It varies very little. If you don't like that, and who knows what the future will bring to GNMA's, then you're looking at online savings accounts or CD's.

If you really need this to work for you, you might also look at an immediate annuity as a longer term solution. Easier on your nerves.
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Old 03-03-2013, 09:27 AM   #19
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I was going to write something along the same lines. Maybe $50k in CDs and $50k in SPIAs?
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Fidelity's GNMA fund is where my most conservative, non-cash, dollars reside. It varies very little. If you don't like that, and who knows what the future will bring to GNMA's, then you're looking at online savings accounts or CD's.

If you really need this to work for you, you might also look at an immediate annuity as a longer term solution. Easier on your nerves.
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Old 03-03-2013, 09:40 AM   #20
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More like Munch!

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