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Where to put 100K
Old 09-28-2006, 07:49 AM   #1
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Where to put 100K

Sorry if this question is too broad. I'll be receiving 100k in about a month and I'd like to put it in a place that's relatively safe, that's not a MM account. I have money already in a Vanguard Wellsely account and so far I'm very happy. I'm thinking STAR or Wellington are good funds too. Any other good recommendations on Vanguard funds which have consistent growth with low to medium volatility?
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Re: Where to put 100K
Old 09-28-2006, 07:57 AM   #2
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Re: Where to put 100K

Time horizon? Tax status? Other investments? Risk tolerance?
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Re: Where to put 100K
Old 09-28-2006, 08:12 AM   #3
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Re: Where to put 100K

Quote:
Originally Posted by brewer12345
Time horizon? Tax status? Other investments? Risk tolerance?
Time horizon = 5 years
Tax Status = married, adult children
Other investments = ~ 150K in 401K, ~70k in MM account, ~60k in Vanguard Wellsely account. real estate holdings will be zero very soon.
Risk tolerance = Do not want to risk capital, so minimal tolerance.
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Re: Where to put 100K
Old 09-28-2006, 08:16 AM   #4
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Re: Where to put 100K

Quote:
Originally Posted by cube_rat
...Vanguard Wellsely... I'm thinking STAR or Wellington...
Along the same lines, check out:
Vanguard LifeStrategy Income Fund (VASIX)
It's currently 30% stock, 70% fixed income.
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Re: Where to put 100K
Old 09-28-2006, 08:19 AM   #5
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Re: Where to put 100K

Quote:
Originally Posted by cube_rat
Time horizon = 5 years
Tax Status = married, adult children
Other investments = ~ 150K in 401K, ~70k in MM account, ~60k in Vanguard Wellsely account.* real estate holdings will be zero very soon.
Risk tolerance = Do not want to risk capital, so minimal tolerance.*
I think I would just put in a non-competitive bid for the full sum in the 5 year TIPS auction next month.
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Re: Where to put 100K
Old 09-28-2006, 08:24 AM   #6
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Re: Where to put 100K

Vanguard Tax Exempt Money Market (3.6%) or
Vanguard Prime Money Market (5.13%)

depending on your tax status. I believe yields are just about bottomed for now and will start to turn up.
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Re: Where to put 100K
Old 09-28-2006, 08:39 AM   #7
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Re: Where to put 100K

Admiral money market ($50k minimum) pays 4.95% state income tax free. Not sure what marginal state tax rate you're paying in Cali, but if it is 9% (the max?), the effective yield on Admiral Money mkt is 5.44% (I've got my money in it since I have a 7% marginal state income tax rate).
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Re: Where to put 100K
Old 09-28-2006, 08:48 AM   #8
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Re: Where to put 100K

Good point Justin.* I thought he was in a tax free income state.* I believe the highest tax rate in Cali is 10.15%.* The Adm Treasury would be the one to pick.

Tips you get the best bang for your buck with the 2yr.*

Note:* How did you know he was in Cali?* I thought a tax free state because he did not bring it up.* Duh.
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Re: Where to put 100K
Old 09-28-2006, 08:57 AM   #9
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Re: Where to put 100K

Quote:
Originally Posted by IHateCNBC
Note:* How did you know he was in Cali?* I thought a tax free state because he did not bring it up.* Duh.
Wait 'til you find out that cube_rat doesn't have a Y chromosome.
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Re: Where to put 100K
Old 09-28-2006, 09:23 AM   #10
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Re: Where to put 100K

Quote:
Originally Posted by LOL!
Wait 'til you find out that cube_rat doesn't have a Y chromosome.
I knew that.........and I'm a newbie..................
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Re: Where to put 100K
Old 09-28-2006, 09:29 AM   #11
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Re: Where to put 100K

Quote:
Originally Posted by LOL!
Wait 'til you find out that cube_rat doesn't have a Y chromosome.
Everything goes over my head here. :P
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Re: Where to put 100K
Old 09-28-2006, 09:32 AM   #12
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Re: Where to put 100K

Quote:
Originally Posted by IHateCNBC
Everything goes over my head here.* *:P
Love your screen name..........

It's on the TV in our waiting area every day............
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Re: Where to put 100K
Old 09-28-2006, 09:40 AM   #13
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Re: Where to put 100K

Quote:
Originally Posted by FinanceDude
It's on the TV in our waiting area every day............
They will bury you with a smile.

My favorite quote was from Joe Kernan in 2003. "No one twisted these peoples are to buy dot.coms.

From the "cash is trash" network.
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Re: Where to put 100K
Old 09-28-2006, 09:43 AM   #14
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Re: Where to put 100K

Quote:
Originally Posted by IHateCNBC
They will bury you with a smile.*

My favorite quote was from Joe Kernan in 2003.* "No one twisted these peoples are to buy dot.coms.*

From the "cash is trash" network.* *
Joe Kernan is an idiot, as are 99% of the "reporters" on there............even Maria was better looking a couple years ago............

Bottom line, they are making us advisors look bad..........kind of like a horrible PR dream..........
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Re: Where to put 100K
Old 09-28-2006, 09:43 AM   #15
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Re: Where to put 100K

Quote:
Originally Posted by LOL!
Wait 'til you find out that cube_rat doesn't have a Y chromosome.
*
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Re: Where to put 100K
Old 09-28-2006, 10:03 AM   #16
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Re: Where to put 100K

Quote:
Originally Posted by IHateCNBC


depending on your tax status. I believe yields are just about bottomed for now and will start to turn up.
You really think yields have bottomed? Really?

I guess that's why we have contrarians

BTW: I'd ladder some t-bills and notes, give yourself a little time to think about it
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Re: Where to put 100K
Old 09-28-2006, 10:11 AM   #17
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Re: Where to put 100K

Quote:
Originally Posted by cube_rat
.* Any other good recommendations on Vanguard funds which have consistent growth with low to medium volatility?*

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Re: Where to put 100K
Old 09-28-2006, 10:19 AM   #18
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Re: Where to put 100K

Interesting article just posting at Vanguard:

Vanguard® Fund Percentage of
Funds Outperformed Ranking
Admiral™ Treasury Money Market Fund 100% 1 of 51
Treasury Money Market Fund 98% 2 of 51
Federal Money Market Fund 100% 1 of 72
Prime Money Market Fund 99% 3 of 190

Link to Vanguard article



EDIT: Shortened URL
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Re: Where to put 100K
Old 09-28-2006, 10:21 AM   #19
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Re: Where to put 100K

Quote:
Originally Posted by saluki9
You really think yields have bottomed?* Really?*
I just read the charts. It filters out a lot of noise.

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Re: Where to put 100K
Old 09-28-2006, 10:31 AM   #20
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Re: Where to put 100K

Ihatecnbc:

For those of us that are not as smart as you, would you explain the chart and why you believe that it indicates yields have bottomed.
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