If I had 100k

[Slim11]

I know thier are earlier threads like this, but timing is everything. If you had 100 k to invest, what would you do with it. Its extra, and can be safe, or crazy. The idea is I can learn how others invest. And I know you all will come up with ideas that I would never think of. It can be long term investments or shorter. I have some CDs that are coming due. I can invest it, put it into some short 6 , 9 month CDs and wait for a downturn in the market to buy or anything else. Ideas welcome. Thanks. Have fun with it.

 

[Oilcan]

IVV Black Rock iShares

 

[street]

Buy dirt/land.

 

[Slim11]

Buy dirt/land.

I am hoping you mean real estate? But your response is less then helpful, but glad your having fun with it. 100k dosen't buy a lot of dirt land now a days.

 

[RetiredHappy]

I am hoping you mean real estate? But your response is less then helpful, but glad your having fun with it. 100k dosen't buy a lot of dirt land now a days.

Street does buy dirt/land. Not trying to be funny.

 

[RetiredHappy]

Safe = I will buy a MYGA. Speculative - VOO (which is Vanguard's version of Blackrock's IVV). If you are not sure, you can split 50-50.

 

[Slim11]

I don't need the myga, but that was good because I had no idea what it was. I have like 20 percent in snp etfs. But still may buy more.

 

[street]

I didn't mean any funny business but if i found 100k I would invest in land.

 

[Slim11]

Like real estate? Stock like O? Over here in nj 100k will buy no land. I did have real estate in the past, 5 and 3 family homes. No more, real estate taxes here are crazy.

 

[corn18]

I'd put another $100k in my private equity investment.

 

[Slim11]

And that is?

 

[Sanstar]

FSLEX. I bought $150k 30 days ago and now have $165,248. 10.16% and more than $15k in 30 days.

 

[Jerry1]

If all my financial needs were met and I could “go crazy with it”, I would probably do nothing more crazy than put it in a total market index etf and increase the equity portion on my AA by whatever percentage that $100K would work out to.

If I really wanted to do something crazy, I might look into setting up some sort of endowment. I’d love to know that someone will benefit into the future for something I did today.

 

[OldShooter]

I have $100k. It is part of my AA and invested accordingly. There is no such thing as an "extra" $100k.

 

[corn18]

And that is?

Covered by an NDA and not open to the public.

 

[Slim11]

See I never thought of a total market etf. I don't have that. Or at least one that that I manage. I plan to leave some money to the familly in the future, but will not need the endowment.

 

[Slim11]

I have $100k. It is part of my AA and invested accordingly. There is no such thing as an "extra" $100k.

Don't know what part of my AA is? Sorry. Self learned and don't know the acronyms. It's extra as it's coming due from CDs. So its capital that isn't invested. To me that's extra?

 

[RetiredHappy]

Don't know what part of my AA is? Sorry. Self learned and don't know the acronyms. It's extra as it's coming due from CDs. So its capital that isn't invested. To me that's extra?

Asset Allocation.

 

[Slim11]

Ok , so I need to diversify my AA?

 

[RetiredHappy]

Asset Allocation is a percentage of Equities to Fixed Income that you are comfortable with.

 

[Slim11]

I am good with fixed income. This is just money I have thrown in CDs as I didn't know what to invest it in. I set up a few 4 year ladders. But with CDs on the downtrend, it may be more beneficial to allocate the money elsewhere. It may not, but hey, that's investing.

 

[corn18]

Ok , so I need to diversify my AA?

The reason I was comfortable with a PE investment was everyone told me I was too conservative, including my wife. So when a PE opportunity came up, we decided it would be ok to put $100k into it. I don't include it in my portfolio because it might go to zero, but I do include it in my AA.

 

[Slim11]

You all have to realize that while I Fired, I had no idea what that was 2 years ago. I have only been on this site or looking for investment advice 1 year ago? I don't know terms and didn't work twords fire. I saved, and saved and invested by myself for years and my job merged and cut my pay. So I retired at 49 with a little money and a giod pension. After that I got an inheradance , unexpectedly. So forgive me if I don't know terms, and some investment stuff that you all followed for years. I kinda was forced fired, but was prepared for it.

 

[Slim11]

Keep this going, but for now I think I will buy dirt, O that I owned before maybe 10k and 50 k in the total stock market fund, then 40k in 6 and 9 month cds, incase the market goes down and I have cash to buy. That about all I was good at buying with cash when the market tanked. Otherwise I would have half as much.

 

[audreyh1]

A lot of posters here own equities in various percentages of their portfolio. For example we’ve invested in 50% equity funds and 50% fixed income for many years. Shorthand is AA 50/50. Our equity portfolio is mostly invested in a total market index fund that is a very broadly diversified fund of US stocks that has a larger amount of medium and small cap stocks as compared to the S&P500 which is all large cap stocks. Personally I use index mutual funds rather than ETFs - simply more convenient for me.

You’ll find posters here with 100% equities all the way to 0%.