$100,000, where would you invest?

[lucasrd]

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

My bad...22% a year....

I use Ameriprise...she charges 1.5% annually...

[Ima saver]

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

If I had a mortgage, I would pay that off first, but luckily I did that a long time ago!

[JPWRana]

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

so whats wrong with putting it ALL in an FDIC insured online savings account and just continue to go about your life?!?!?!

An extra $4500 a year for doing nothing doesn't seem too shabby. Or are there OTHER low-risk ways to earn MORE than 4.5%?

[VJW]

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

I would buy $100,000 of Zero-Coupon Treasuries at about a 30% to 70% discount (depending upon your time horizon) and invest that $30K to $70K in WELL-DIVERSIFIED high risk investments, primarily outside the U.S., except for possibly some MicroCap funds.

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[cptacek]

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

I would put half in the stock market and half towards more cows. My cattle herd has treated me very well over the past 5 years, and if I had that kind of money, even if my dad was overstocked, I would find another rancher that had extra grass and a similar philosophy on raising cattle and put them with him.

[<><]

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

I would put half in the stock market and half towards more cows. My cattle herd has treated me very well over the past 5 years, and if I had that kind of money, even if my dad was overstocked, I would find another rancher that had extra grass and a similar philosophy on raising cattle and put them with him.

lol what? ... im not buying cows... :

[Ima saver]

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

I would throw a big party and invite you all to come!

[Haku]

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

so whats wrong with putting it ALL in an FDIC insured online savings account and just continue to go about your life?!?!?!

An extra $4500 a year for doing nothing doesn't seem too shabby. Or are there OTHER low-risk ways to earn MORE than 4.5%?

Um yes, there is.

I would throw a big party and invite you all to come!

Well, perhaps not the most financially prudent... but it's certainly my favorite so far!

[cptacek]

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

lol what? ... im not buying cows... :

Hey, you asked "where would YOU invest" not "where should I invest" Probably not the best option for anyone else, but that is what I would do.

[Ima saver]

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

I would send some money to Thrifty Ray, so she could get all the dentist work she needed for her family, including her mother and father.

[JPWRana]

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

[QUOTE=Haku]Um yes, there is./QUOTE]

Soooooo, what is it then.

[Haku]

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

Well, at the very least, GMAC bank gives you 4.75% APY right now.

Their CD is at 5.30% at the time of this writing.

If you're willing to invest long term, any decent mutual funds out there will do.

And definitely don't forget retirement accounts! Less taxes in the long run equates to huge savings.

Me, I'm really boring and on the bearish side, so I'd also like to just pay off debts. These interest rates are generally higher than investments, and unlike investments, the effect in savings are immediate and can be profound in the long run.

If there's not much debt to kill, I'd probably just pay off a mortgage and never have to think about mortgage payments or the interest rates to begin with.

In general though, you really don't want to just stick money in the bank. The only situation a bank account should be used for (and I admit I'm no expert) is to stash your emergency fund. That should amount to roughly 6 six months of expenses, but that's it.

[CoolHandLuke]

Deferring is working

pay off mortgage and double your money (essentially) on a 15yr loan... well not really, you'd have 0 dollars but you know what i mean, spend 100 to save 200 is pretty good no? being relieved of 15 yrs of intrest would be a big enough pay off for me!

[tripods68]

100K

I divide it this way:

25% REITs
25% GNMA
25% TIPs/Munis
10% CDs

The remaining 15% would go towards paying as much existing debt/CCs as possible. Put the rest towards a really nice vacation or home renovation which ever you preferred the most.

[Petunia 100]

I know this is an old thread, but I think the question is a perfect example of why everyone should have goals in mind, and a plan of how they will reach those goals. A good plan includes an asset allocation plan. So when extra money comes your way, you already know how you will invest it.