$100,000, where would you invest?

**sweeps** · 04-06-2006, 08:17 AM

Re: $100,000, where would you invest?

Ima, you have to be careful jumping on the latest investing trend. People were irrationally exuberant about stocks in 1998 and 1999, just as they are irrationally exuberant about real estate (and precious metals for that matter) here in 2005 and 2006.

**CRFSaver** · 04-21-2006, 04:42 PM

Re: $100,000, where would you invest?

Samir: You know what I would do if I had a million dollars? I would invest half of it in no load mutual funds and take the other half over to my friend Asadulah who works in securities and
Michael Bolton: Samir, you're missing the point. The point is you're supposed to work out what you
[printer starts beeping]
Michael Bolton: "PC Load Letter"? What the *&#$*@% does that mean?

Best lines ever for this question!!!

**JBinKC** · 04-25-2006, 08:32 AM

Re: $100,000, where would you invest?

It depends upon how much you know and how much time you can devote to it and if you want growth or income from it? If you have no investment savvy I would tend to choose a mutual fund that is managed by Sprott Securities. If I wanted income I would be looking for foreign government bonds with a high exposure to countries that has an economy tied more to natural resources.

One thing I don't like are dollars holding them long term I see is the biggest risk going.

**Duchesse** · 04-26-2006, 10:50 AM

Re: $100,000, where would you invest?

First things first, Put away 6 months expenses for an emergency fund ( ing, HSBC, Emigrant all have good rates). If you already have a home, consider another one as an income property. If you're not the landlord type. DIVERSIFY, DIVERSIFY, DIVERSIFY.

Every investment vehicle has good and bad points. They have all had their time as well. There was a time when bonds were it, stocks were it, mutual funds were it, real estate was it, CD's were it, get my drift?

After I put away my emergency fund, and bought myself two dozen crabs and some beer, I would spend 5 -10k on 5-10 different types of investment vehicles.

Park your money in a high interest money market account and THINK, RESEARCH, and then go for it. Good Luck!

**umo** · 04-26-2006, 11:54 PM

Re: $100,000, where would you invest?

I agree-- 4-6 months of average expenses, and the rest into a high yield money market until you can make an informed decision. If there is any other debt (credit card, car, etc) I would pay them outright and be 100% debt free first.

I believe the investment into mutuals should vary depending on the age of your mom and how much risk tolerance she can take. I think a good choice is FFNOX (Fidelity Four in One).

FFNOX has four index funds inside of it:
~55% Fidelity Spartan (S&P 500)
~15% Fidelity Spartan Extended Market Index
~15% Fidelity Spartan International Index
~15% Fidelity US Bond Index
This fund has .2% expense ratio. very cheap!

What I would do to adjust the risk level is take 125 minus your moms age... Allocate that number as a percent to FFNOX, then allocate the rest into another bond fund.. So if she was 50, you would allocate 75% to FFNOX and then allocate 25% to a bond fund. (in a sense this means she would have approximately 40% in bonds if you include the ones from ffnox)

Hope this helps!
umo

**PRICEPLUS** · 04-27-2006, 05:36 AM

Re: $100,000, where would you invest?

Treasuries and Indexed Exchange Traded Funds as well as some into a savings account.

**Haku** · 04-27-2006, 06:13 AM

Re: $100,000, where would you invest?

Maybe I'm a simpleton for thinking this, but what about just paying off a house? To me, not having to pay for any interest from a mortgage sounds entirely too tempting not to pass up. Plus, it doesn't have to be an expensive house, so one could still have money left over for other types of investments.

What do you guys think?

**<><** · 04-27-2006, 07:38 AM

Re: $100,000, where would you invest?

Heres my situation:
Im 25 yrs old, house mortgage is already paid off
Cars are already paid off
I have no debt on my credit cards...but my dad, well, he has about $10,000 in debt or so
I have money sitting in CD's paying very very little (4%)

In the next couple of weeks I am going to be opening up a Roth IRA account, along with some other mutual funds. Basically now what im looking for is where do I look for information on WHAT to invest in. I dont want to be overly conservative with either. I will be going thru Vanguard for my investing. Any information on where to research on what to invest in would be appriciated.

Thanks

**Ima saver** · 04-27-2006, 07:45 AM

Re: $100,000, where would you invest?

If I got $100,000 today, I would pay off my two bills, my car and a piece of property that I hold a mortgage on. Then put the rest in a mutual fund!

**SuzeOFan** · 04-27-2006, 07:58 AM

Re: $100,000, where would you invest?

Holy smoke!

Did you win the lottery or something <>< ???