If I had 100k

You may just turn over 100% or 75% over to Fidelity instead of just 25% since you said that they have been outperforming your own. Obviously, with CDs, it will typically lag the stock market.
I may do that , but I think it was just lucky timing of when I turned over the funds to them. I get lucky sometimes. The snp was at a low point and they loaded up on that. The bond funds I am waiting a year on to see what it does. Same with the rest. I do have an advisor over there, but not having anyone but myself manage money , it's hard. TBH I had a rough time signing over 25 percent. Though looking at it now , it was a good call.
 
In my twelfth year of retirement, I have more than enough income from various sources to cover my expenses.

So if another $100k fell into my hands, I'd move it all to the settlement fund in my taxable account and set up a few limit orders to buy more of the stock index funds that I hold: VOO, VGT, QQQ, MGK.

Stock prices are pushing all-time highs again right now so I would not buy those stock funds immediately; I'd set the limit price below the current price by a few percent and wait for the inevitable.

My target AA is 95% stocks, 5% cash, but I'd bend that for the reason mentioned...
 
Your right. I really dont have a plan. The only plan is I may need to draw down some of the money in 6 , 8 years for collage and a new vehical. My pension kinda of covers the expenses and will continue to do that for a bit. I guess because I didn't need it now, I look at it differently.
Certainly it’s reasonable to earmark funds for a specific need and then the timeframe helps determine reasonable investments. Less than 10 years generally recommends more conservative investments.
 
You need to define the time frame. If it's 10+ years then the probability ( based on history) is that 100% equity will be the best investment. If it's 5-10 years then maybe 75% equity. I'd still do 100% at that level , but I tend to be more aggressive with my investments than others on this board.
 
The time frame is maybe never. It's not needed. While I will need to draw down some stuff in the future, I dought I could spend what I have allready ,unless I really screw up or go nuts. I stated a semi hypothetical above in post 47. Its close to that. And for the next 5 to 10 years my pension should be good enough. After that my house is paid off. That frees up money.and the question isn't just about me its what you would do with 100k. This way I get to see diffrent strategies and other people's thinking. That way I can look stuff up and learn.
 
AAPL. They crush their earnings reports all the time. I buy on earnings.
 
OP,

As you can see, you are getting advice from all different directions but in all fairness they are from poster's perspective as to what they would do. If you want advice about what you should do then at the very least, give everyone your full financial picture: age, annual spending, annual saving, invested capital, target retirement date, etc. 100K to a person with 10M portfolio is very different than to a person with 200K portfolio.
 
Your right. I really dont have a plan. The only plan is I may need to draw down some of the money in 6 , 8 years for collage and a new vehical. My pension kinda of covers the expenses and will continue to do that for a bit. I guess because I didn't need it now, I look at it differently.
I sorta figured that you have a pension that covers most expenses, when you remarked about throwing money into CD's.

You probably hear and read a lot about interest rates going down, and oh my what will we all do? You actually picked a better knowledge path by coming here and asking your question. I think you're concerned about not making 5% guaranteed in the future. Don't worry, be happy.

Trying to find 5% guaranteed when your CD's mature will drive you crazy.

You shouldn't look for a new stock fund or individual company to invest in, unless that fits your plan. Oh, you don't have a plan, and we keep going back to that.

When I have 100k, what do I do? I'll answer. We decide when we'll need the money, how much risk to take on, and what type of account to hold the money. It can be that simple.

Based on the new information you put out there, I'd say you should continue with the safe option you have going. If you're saving for a car purchase in a year or two, buy CD(s) that matures in a year or two.

After you decide, be happy with your choice. Don't worry about the daily movements of the S&P500, or whether you could "make" 10% in the stock market. You could also lose access to half in a year or two.
 
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.
If you're feeling adventurous, you could explore something riskier, such as real estate crowdfunding or a small percentage in crypto. It's all about your risk and your own objectivity
 
Taking a page from OP's book - what the heck is this "snp" you keep referencing? I get Scottish National Party or single-nucleotide peptide and doubt either are correct.

For me, at almost 75, buying more investment rental real estate isn't attractive, though tempting at times. Lots of cool houses in the world for personal use, but the reality is that moving isn't really worth the effort - way easier and pretty much free to just look rather than pull the trigger. Our assets aren't balanced according to some careful plan, if being honest I move stuff around just to suit personal whim, having different accounts have the same amount or fit some design that I feel like building. More a visual experience than cunning economic strategy.

Last few years I pushed our cash at six month T-Bills, amassing a very substantial amount in them and leaving our stock holdings alone. With rates falling and three T-bills maturing this month I'm going to buy my first Agency bond. State tax free status adds to the Agency appeal. Hoping I understand what "callable after" means for term protection, but that is tempered by the horribly long nature of the bonds and lowish interest rate. We can afford the risk either way. We also have a a fair chunk sitting in Fidelity SPAXX just in case the stock market takes a big dump and we feel like buying.

Really does matter what the OP's particulars are as far as what works for them. Our no pension, tiny IRA, paltry social security, plenty of rental property and loan/property sale payment income may put us in a very different position.
 
SNP = S&P as in Standard 'n Poor's.

It would be clearer if OP could use S&P500 if that is the fund he/she is familiar. Precision is important.
 
SNP = S&P as in Standard 'n Poor's.

It would be clearer if OP could use S&P500 if that is the fund he/she is familiar. Precision is important.
Ok. Sorry, I have VOO, FDFIX and a large cap index strategie fund. I dont see how that information makes it and clearer then SNP, but ok. There it is. And yes SNP is easier to type on the phone so I don't have to search for the "& " sign.
 
Taking a page from OP's book - what the heck is this "snp" you keep referencing? I get Scottish National Party or single-nucleotide peptide and doubt either are correct.

For me, at almost 75, buying more investment rental real estate isn't attractive, though tempting at times. Lots of cool houses in the world for personal use, but the reality is that moving isn't really worth the effort - way easier and pretty much free to just look rather than pull the trigger. Our assets aren't balanced according to some careful plan, if being honest I move stuff around just to suit personal whim, having different accounts have the same amount or fit some design that I feel like building. More a visual experience than cunning economic strategy.

Last few years I pushed our cash at six month T-Bills, amassing a very substantial amount in them and leaving our stock holdings alone. With rates falling and three T-bills maturing this month I'm going to buy my first Agency bond. State tax free status adds to the Agency appeal. Hoping I understand what "callable after" means for term protection, but that is tempered by the horribly long nature of the bonds and lowish interest rate. We can afford the risk either way. We also have a a fair chunk sitting in Fidelity SPAXX just in case the stock market takes a big dump and we feel like buying.

Really does matter what the OP's particulars are as far as what works for them. Our no pension, tiny IRA, paltry social security, plenty of rental property and loan/property sale payment income may put us in a very different position.
Kinda what I am doing now, but looking around I feel I am missing something, I may not be. As for background, as I said above, if I had 1 million in stocks and 1 million in CDs am I holding too much cash. My pension covers everything right now and will continue to do so for the next 5 to 10 years. I am 51. And I was asking what you all would do, I dont think I need to nessassarly stray far from what I am doing, just maybe looking to hold less in CDs.
 
Your right. I really dont have a plan. The only plan is I may need to draw down some of the money in 6 , 8 years for collage and a new vehical. My pension kinda of covers the expenses and will continue to do that for a bit. I guess because I didn't need it now, I look at it differently.
I am a strong fan of preferred securities. There is much written on them here, and on Innovative Income Investor and a few other places. A bit safer than stocks, a bit more payout than dividends or CD's. But, like any investment, the ones you pick matter to the profile of what you need to get to. For your situation, they seem to fit. The "easy" ones are now priced pretty well so bargins giving rates well above CD's take some effort. Good Luck
 
Some one a while back told me to look into perfered stocks. It was a bit out of my learning wheel house then. Maybe it worth another look.
 
Being it is longer term money, put it 100% stocks. Anything planned for 10 years plus I always suggest 100% equities.

Instead of a general S&P500, or NASDAQ, or total market type index fund, maybe go with a specific type fund. Like a small cap, mid cap, value stocks fund, growth fund, or some specific sector such as electronics, energy, or many other choices.
 
And I have looked at everyone's suggestions. So any exposure to things I don't know helps.
 
This thread reminds me of that old song "if i had a million dollars" by the Bare Naked Ladies. :2funny:
 
I'm not bare, naked or a lady, but, "There are 8 thousand stories in the Naked City, and this is one of them."
 
Back in 1984, a year after we got married, DW and I loved the Mercedes Benz 450SEL. So we said as soon as we save up $100,000, we'll get the 450. A few years later, I told her we met the $100k goal, she said she didn't have time to drive one!
 
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.
If it’s true mad money, I’d take a stab at one of a few stocks I’ve been looking at. MU micron, this is a picks and shovels play against the AI craze. Why invest in the software when you can invest in the hardware it’s run on. There are only so many fabrication machines these chips can be built on and they own a lot of them. At around 100 a share I like it for a tech play.

Second choice would be HE Hawaiian electric. There’s been some manipulation surrounding the news reporting with this company. I feel they are poised for a crazy recovery in the next few months/years.

They power the Hawaiian islands 4 out of 5 of them. Also the federal government needs them in place to help with powering the military bases close by.

The news says they caused the fires but my research shows it was the local fire department that failed to put it out correctly on a secondary fire. Either way they are prepared to make amends so it doesn’t matter. They lost approximately 1/3rd of their value in the fire yet they dropped 90%. Explain that to me.

Also, what are people going to do stop using electricity? I find it unlikely. They are make 33mill in profit every year.

While it’s not screaming growth and profit it is a solid value play over the long haul. 100k here is something you could retire on in 6months to 2 years. The dividends alone will be kinda crazy under that circumstance.

Okay that’s my rant.

Full disclosure I’ve purchased both companies for a few grand and in the positive for both.
 
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.


Prime wooded or ag land. No low lying areas. Nicely rolling is what I like. A nice little brook, creek or spring makes it a little extra special. Street know what he's doing and has been quite successful doing it but he may have a different vision for what dirt he likes.

If you're not sure what you're suppose to look for, stick with the market.
 
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