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Old 21st May 2017, 02:52 AM   #1
SyncTronX is offline SyncTronX  United States
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Default DIYinvest

Well since we talk about this occasionally, we might as well
share some of the investments we have and reasons for them.

From time to time there are clubs and organizations that do this
might as well do it too.

We might have a portfolio, stocks, bonds, coins, stereos, speakers,
amplifiers, financial instruments, etc.

It might be worth our while to take what we no and share it with each other.

We could take a hypothetical amount say $1,000, $5,000, or $10,000
and invest it, what should we invest in?

Here are some general items to help start the conversation.

There is a time value to money.
There is also a risk free investment rate. That is the rate that someone
would receive on there money if there was no way they would lose the
money the placed for investment. Historically this the federal funds rate.
Or the interest rate the US Government pays for it's notes and bonds.

Typically the rate is less for money loaned for short term 1, 3, 6 months
money loaned for 10 years, 20 years, or 30 years.

Here is the link to the Daily US Treasury yield curves.

See it here: Yield Curve

So if we had the $10,000 usd. What do we want to invest in?

Stocks, Bonds, gold, cars, amps what? In what proportions?

Cheers,
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Old 22nd May 2017, 04:38 PM   #2
TheGimp is offline TheGimp  United States
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A lot of that has to do with what you want to achieve. Are you approaching retirement? go safe. If you have a long time to go you can get better return on risky investments, although the chance of loss is greater.

I have shares of stock in Duke Power Company, which I received from the high school science fair many years ago. At some point in time I had it switch to a reinvestment fund so that any proceeds get reinvested. I started with two shares and am up to 20 or so now. Rate of return is not that great, but it was free so I let it roll.

On the other hand besides a 401K at work I have a little money invested in Fidelity Investments Puritan fund. My father invested in the same. Return is reasonable, although it took a few years to recover from the last crash. All dividends and interest are reinvested and I pay taxes on 1099 each year.

With modern tax programs like H&R Block,etc taxes are simple.
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Old 22nd May 2017, 05:02 PM   #3
Cal Weldon is offline Cal Weldon  Canada
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I invested in old Altec Lansing gear. My retirement is set.
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Old 22nd May 2017, 11:54 PM   #4
scott wurcer is offline scott wurcer  United States
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Quote:
Originally Posted by TheGimp View Post

With modern tax programs like H&R Block,etc taxes are simple.
1031 exchange, one of those things you think are only for the rich. It's like printing money with real estate investments.
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Old 23rd May 2017, 09:35 PM   #5
ccoyle is offline ccoyle  United States
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First question is always "how soon may I need this money?"
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Old 26th May 2017, 05:59 AM   #6
AlexQS is offline AlexQS  United States
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A very wealthy person I know says: a third real estate, a third stocks and bonds (diversified, no more than 20% of that third in any single stock), and a third cash.

Not sure your age, goals, risk level, etc. If you have credit lines, credit cards, car-loans, etc, I think paying that off ASAP is smart. Difficult because cost of living limits our month-to-month cash flow. If you have $10k liquid, that's some cash flow! Strategically use that in a way that it pays off something in full, then you can use that extra cash flow in your near future to accelerate your rate of paying down the rest of your debts.

After that, build emergency fund.

Add equity to house. Need a new roof?

If you have all of above done, and have established a retirement fund, 401k or Roth, then look at your Stereo.

Do you enjoy listening to it? What do you want? I believe speakers will make the largest difference to your listening experience, and literally set the tone for the whole system. Good amp next, then source.
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Old 26th May 2017, 06:14 AM   #7
bwaslo is offline bwaslo  United States
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Invest some of any money you have in moving to a location you'd like to live in.
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Old 1st June 2017, 12:13 AM   #8
andy2 is offline andy2  United States
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At my age, I am 70% stock mutual funds, 25% cash, and 5% left for day trading.
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Old 1st June 2017, 03:51 AM   #9
Cal Weldon is offline Cal Weldon  Canada
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So, this applies to US folks only then?
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Old 1st June 2017, 01:20 PM   #10
scott wurcer is offline scott wurcer  United States
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Quote:
Originally Posted by Cal Weldon View Post
So, this applies to US folks only then?
Good input, nothing like getting professional advice familiar with what is available and sensible for where you actually live. Real estate for instance varies dramatically from country to country.
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