?
 

Talk to a financial analyst, us or your grocery ****** I'd trust the 1st one
short term bond for 2 years of cash flow, s&p 500 index (do you think buffet is reliable) some bonds some fund that invests in proven dividend growers (like Vanguard Dividend Appreciation ETF VIG) QQQ

Why are you asking for advice on this site - go see a CFP!!

:ohdear::ohdear::ohdear:

But has lost almost 50% of stock value in the last 5 years.

:ohdear::ohdear:

In the US, the number of investment clubs have declined since the late 1990s. The timing is correlated with growth of the internet and mutual funds/ ETFs.

https://assets.press.princeton.edu/chapters/s8637.pdf

Etfs: Divz, ryyy, pcef
 

You might consider opening an online, phone app accessible online account on Schwab. Account is free, trading is free. You can put low-risk money, prehaps $50,000 in an exhange-traded mutual fund with the ticker symbol TIP, currently yielding more than 3% and it will go up if inflation goes up. TIP invest in low-risk inflation-indexed bonds; they are US Treasury Securities. The Schwab app gives you access to help options if you are new to brokerage. If you have no investments, this is a sensible one for you. If inflation continues to rise, principal and income will go up. If not, it won't but you'll have more purchasing power. At our age, this is a win-win.

If you want something with a higher risk level, you might have someone help you look at PCEF which invests in closed-end funds with high yields and options income. It currently yields more than 8% and pays monthly dividends. The price can go down which will erode principal for a period of time, but it has always risen after such a period. Meanwhile, the income stream would continue or even rise which would defray losses.

Forgot to mention, down 10% year-to-date.

:ohdear::ohdear:

IIM pays a Annual dividend of approx 4.8%, pays monthly the 1st of every month. Great time to buy now market is down.

Missing from all this is simply visiting the library (or Barnes&Noble).

Time to check out a few books, or newsletters to help you understand what's available to you.

There are also relatively free, or low-cost like Kiplinger newsletters and retirement guides, and Money magazine.

Yes, there are a range of suggestions on this thread and others. Unfortunately, they might also be Greek to you.

I've invested since the 70s, and have been fortunate. But that represents not only 50 years of learning, but 50 years of luck as well as good fortune. There have been up years, as well as down years.

Good luck on your research.

Correct. I own it also. The Only downside is that the dividend yield is a paltry 1.3%, doesn't keep up with inflation. I think 33% in this is good for the author of this thread and perhaps 67% in TIP which I wrote about below. I also like PCEF for income. The author will need education as he doesn't know about exchange-traded mutual funds (ETFs). To the fear mongers out there, investing in the entire US stock market with VTI is a very safe bet as long as you have 3 years or more to access all your money. Even in the depression, the market bounced back quickly and with far more diversification, it has much more stability. Avoiding the stock market is begging inflation to eat up your purchasing power. If you do buy VTI, IGNORE everything else. Don't watch CNBC, put a wad of cotton in each ear and sleep well.

No one mentioned Crypto's

Bitcoin etc

Originally Posted by Gigi3000 View Post
I have $250,000 to invest for income. I'm 63, keeping lots of cash on hand, own my home, not working and have no income currently. My expenses are minimal, around $1800 month. What would you invest in? can play with $75000 in high risk, the rest medium risk

For income I invest in publicly traded REITs, bond ETFs and privately held Commercial Real Estate Funds (CREs). These, along with my social security, help to pay my monthly bills.

Bitcoin.

I would meet with a certified financial planner who is a fiduciary. You are young and still have time for that money to grow. You need to have an understanding of commissions when you invest. That’s why I would stay away from annuities.

A wise man once said “the biggest detriment to wealth is taxes”. That said if you want income you might want to consider putting some of your money in rated municipal bonds. They pay coupons usually semi annually and they are federal tax free.

That is a good suggestion, but I prefer to use the Vanguard S&P Index Fund, not a total market ETF. The S&P 500 is only large companies, and a mutual fund is more tax efficient than an ETF because the investors do not buy and sell as often. So, the fund manager doesn't need to sell off stocks to raise cash and generate taxable gains. Some will point out that an ETF has lower fees but, with Vanguard, the difference is minimal. Also, the S&P 500 fund returns have been higher than the total stock market fund.

3 year, 26.03%
5 year, 18.43%
10 year, 16.51%

Investments
 

Follow whatever Nancy Pelosi invests in...it's surely worked for her!

Pro-tip. I would go to Charles Schwab and make sure you sign up for NO management fees. Wait for the dip and it's coming so you could save it in a cash account and buy ten quality stocks. Banks, Energy, and Utilities worked the best for me. Most importantly the keyword is QUALITY. You can pull the trigger on your app are they can do it for you. No fees. I hope that helps. Remember you can never find the TREASURE without a map. Respectfully, rickgstone@hotmail.com

If I had money to burn 🔥 ( I don’t, I worked 49 years for it) (chance you take in stock market) I invest in spaceX (probably too late for big gains?) If I have Boeing stock I dump it. IMO stock market on verge of big crash. I wouldn’t risk it. But that’s me.

Silver and gold. Can't lose and the prices will only increase. Check out provident metals.com

Say it ain’t so! The Morses are putting tolls on the golf cart bridges. Both ways?

Why ask us? Unless you think we are accomplished financial analysts/investment counselors. Ask us who we think is a reputable financial investment counselor locally.

:1rotfl::1rotfl::1rotfl:

Gold: where were you from 2012 thru 2019??
Since August 2020, gold is down.

Silver: Down since 2011.

:ohdear::ohdear::ohdear:

:bigbow:

The problem is that investment advisors often provide biased and/or inappropriate advice.

:boom:

No
 

Annuity Bad idea

As interest rates rise all bonds lose value.

If Stock Market crashes (it always does) ALL STOCKS, ALL GOLD, EVERYTHING will go down the same percentage. Just look back at 2008 in every category.

I suggest buy EXXON. The stock might go down (don't ever sell it) but it will ALWAYS pay 3.75 to 5% dividends. It always has. The more they squeeze OIL the higher it will go. Everything in the World is made of Oil or transported by Oil.

Find yourself a financial advise you can trust

ME. I am a good investment, college.
 

College educated and free to travel the world. Would love to be taken care of. :-)

$250k, no income...........needs $1800 per month, after tax.

Smells like you need 10% return on the $250k to survive.

:pray:

Don’t play the market on your own!

AGNC - REIT Getting an annual return of nearly 9% and pays out monthly
AT&T - Nearly 6% annual Pays quarterly
I don't buy Funds - you can find out what funds invest in on the web - then go do it yourself and cut out the middleman.

TOTALLY false.

2008 Returns:

Investment grade fixed income 5.2%
Cash Alternatives 1.8%
Emg Markets Fixed Inc (10.9%)
High Yld Fixed Inc 26.2%
Small Cap Equity (33.8%)
Mid Cap (41.5%)
A 60/40 portfolio (21.6%)

To name a few.

Source is Wells Fargo Investment Advisors.

My addition to all this advice, take time to read Paul Merriman’s 3 FREE ebooks.
1. First-Time Investor
2. 101 Investment Decisions
3. Get Smart or Get Screwed (read this first!)

Found at paulmerriman.com

Sounds like you're asking for a recommendation of a no-fee investment advisor with a CFP (certified financial planner) degree who could help you set up a plan with sound investments. $250,000 with no income (other than your cash on hand) means that you could live on your 'cash on hand' if the market ever did a serious crash again.

CFP is NOT a degree.

:ohdear::ohdear::ohdear:

Before taking on-line advice, I would consult with an investment counselor, i.e. Cebert Wealth Management. or someone similar. Cebert has done wonders for us and I am sure others in the same business would do likewise.

Perhaps these videos will help. I like S&P 500 Index funds I am in FXAIX Fidelity S&P 500 index fund for my savings / rainy day account-- link below.

FXAIX - Fidelity (R) 500 Index Fund | Fidelity Investments

Videos below.

https://www.youtube.com/watch?v=tkL5...t=WL&index=283

https://www.youtube.com/watch?v=lsAl...t=WL&index=292

https://www.youtube.com/watch?v=VYr1...t=WL&index=128

https://www.youtube.com/watch?v=NdkS...t=WL&index=110

Investing
 

Consider ABBVIE and Verizon which have about a 5% dividend.

Have you considered collecting your Social Security income?