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How to invest $100,000.00
03-02-2013, 06:19 PM
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#1
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Recycles dryer sheets
Join Date: Aug 2012
Posts: 61
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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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03-02-2013, 06:34 PM
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#2
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Full time employment: Posting here.
Join Date: May 2007
Posts: 883
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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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"It is better to have a permanent income than to be fascinating". Oscar Wilde
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03-02-2013, 07:15 PM
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#3
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Thinks s/he gets paid by the post
Join Date: Jul 2005
Posts: 4,366
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 Quote:
Originally Posted by rembrandt
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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Which do you want, highest return or lowest risk of loss? You're not going to get both.
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03-02-2013, 07:29 PM
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#4
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Recycles dryer sheets
Join Date: Aug 2012
Posts: 61
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Better safe than sorry, so it would be the lowest risk of loss.
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03-02-2013, 09:15 PM
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#5
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Thinks s/he gets paid by the post
Join Date: Jul 2012
Location: Mississippi
Posts: 1,894
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Barclays bank online savings account @ 1% interest until you figure out what you want.
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03-02-2013, 10:05 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: Sep 2005
Location: Northern IL
Posts: 26,888
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Quote:
Originally Posted by rembrandt
Better safe than sorry, so it would be the lowest risk of loss.
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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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03-02-2013, 10:35 PM
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#7
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Full time employment: Posting here.
Join Date: Aug 2012
Location: Upstate
Posts: 699
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Quote:
Originally Posted by racy
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.
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+1. Maybe even buy a short-term CD to discourage you from doing anything too hasty while reading/learning.
Tyro
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Yeah well, that's just, ya know, like, your opinion, man. ~ The Dude
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03-02-2013, 11:03 PM
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#8
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Recycles dryer sheets
Join Date: Mar 2008
Posts: 153
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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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03-03-2013, 02:11 AM
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#9
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Thinks s/he gets paid by the post
Join Date: Sep 2010
Location: midwestern city
Posts: 4,061
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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.
Quote:
Originally Posted by rembrandt
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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__________________
Very conservative with investments. Not ER'd yet, 48 years old. Please do not take anything I write or imply as legal, financial or medical advice directed to you. Contact your own financial advisor, healthcare provider, or attorney for financial, medical and legal advice.
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03-03-2013, 05:40 AM
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#10
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Recycles dryer sheets
Join Date: Aug 2012
Posts: 61
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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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03-03-2013, 05:45 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: Jun 2002
Location: Texas: No Country for Old Men
Posts: 50,021
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Quote:
Originally Posted by rembrandt
Any comments!
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Might be time to start looking for a full-time job.
__________________
Numbers is hard
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03-03-2013, 05:47 AM
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#12
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Recycles dryer sheets
Join Date: Aug 2012
Posts: 61
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A full time WHAT!
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03-03-2013, 06:00 AM
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#13
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2002
Location: Texas: No Country for Old Men
Posts: 50,021
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Quote:
Originally Posted by rembrandt
A full time WHAT!
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J-O-B, where you work for an income. I say that based on these posts from last year:
Quote:
Originally Posted by rembrandt
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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Quote:
Originally Posted by rembrandt
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.
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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. 
__________________
Numbers is hard
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03-03-2013, 06:18 AM
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#14
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Recycles dryer sheets
Join Date: Aug 2012
Posts: 61
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I was afraid that you would say that...
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03-03-2013, 06:20 AM
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#15
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Thinks s/he gets paid by the post
Join Date: Jul 2012
Location: Mississippi
Posts: 1,894
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Based the additional information presented, that would be the unfortunate conclusion .
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03-03-2013, 06:21 AM
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#16
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2002
Location: Texas: No Country for Old Men
Posts: 50,021
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Quote:
Originally Posted by rembrandt
I was afraid that you would say that...
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I know I didn't paint a very pretty picture, but then I'm no Rembrandt...
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Numbers is hard
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03-03-2013, 08:16 AM
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#17
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Thinks s/he gets paid by the post
Join Date: Jul 2006
Posts: 1,901
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“I guess I should warn you, if I turn out to be particularly clear, you've probably misunderstood what I've said” Alan Greenspan
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03-03-2013, 09:17 AM
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#18
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Thinks s/he gets paid by the post
Join Date: Jul 2005
Posts: 4,366
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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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03-03-2013, 09:27 AM
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#19
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Thinks s/he gets paid by the post
Join Date: Sep 2010
Location: midwestern city
Posts: 4,061
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I was going to write something along the same lines. Maybe $50k in CDs and $50k in SPIAs?
Quote:
Originally Posted by Animorph
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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__________________
Very conservative with investments. Not ER'd yet, 48 years old. Please do not take anything I write or imply as legal, financial or medical advice directed to you. Contact your own financial advisor, healthcare provider, or attorney for financial, medical and legal advice.
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03-03-2013, 09:40 AM
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#20
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Thinks s/he gets paid by the post
Join Date: Jul 2011
Location: The Bay Area
Posts: 2,736
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__________________
You may be whatever you resolve to be.
100% x 10% > 10% x 100%
Small pensions & SS cover essentials
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