What would you invest in?
 

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.

I have my bond investments in three Vanguard index mutual funds:

Vanguard Short Term Bond Index Fund, current yield is 1.49 percent
Vanguard Total Bond Market Index Fund, current yield is 2.06 percent
Vanguard High Yield Corporate Bond Index Fund, current yield is 4.14 percent

Obviously, the more you deposit into the high yield fund, the higher the risk and the more chance for a higher return. But, it has been a very good fund over the years.

Microsoft, Apple and Qyld. Writes covered calls against top quality stocks. Likely within 10 percent of a bottom

Several bond funds with good performance.

Would not come to a place like this for investment help though.

What would you invest in?

Freeze dried meals, nuclear bunkers, and munitions!:icon_wink:

your health.

Sand bunker rake manufactures. Forecast future sales increase…..:icon_wink:

On a serious note, Keep an eye on MMM: good PE, solid Div ratio, hitting recent lows. Downside, 2022 may be a slow year less N95 sales but still profitable at around $10+/Share. Potential liabilities with recent ear plug cases. "Suspect" that will fade from the spotlight, but not sure.

PFAS is a bigger negative for MMM.

In the past 3 months i have bought Energy stocks especially Devon..if the Russians invade then the price of a barrel of oil and natural gas will go up even more
Devons break even price on a barrel of oil is $30 bucks..Right now the price of oil is around 90 a barrel and if their is trouble in Ukraine the price of a barrel of oil can easily go yo 100 or more

Thank you for posting this question OP as I am facing a similar situation. I love to hear and read ideas other people offer which I had not considered or even imagined.

Anavex Life Sciences - AVXL

Three ongoing trials; Rett Syndrome, Alzheimer's, and Parkingson's (and other CNS diseases future targets).

Merely an investor; perform your own due diligence.

I do have a gently used bridge with room for toll booths on either end.

Real estate funds or possibly an Annuity fund. Talk to Parady Investiments… no pressure. See what they have to offer.

They are known for recommending annuities for anyone walking in the door.

Someone with better advice then here.

I sold my house 3 months ago and had the same decision to make. Here is where I put my money:

https://i.imgur.com/Br5K23r.png

Their highest commission product, no doubt!

Guns and ammo, lots of ammo....

Interesting. This does support my state of mind these days.

Giggle, snort

Don't trust annunities, especially since the fiduciary requirement was overturned in 2018. It now feels like a giant scam. However, thanks for your input

Though I love the creative business ideas. . its a very difficult choice right now, because the Federal reserve has said it is raising interest rates, which depresses equity prices, especially technology shares. A slowing economy and higher prices with inflation will squeeze alot of margins and eps. However, a slowing economy and world war iii about ready to break out will help put a floor on the bond market.

I would wait as there is no reason to rush into buying equities, and long dated bonds are not the best with possible inflation continuing. .

If you must buy equities, then I would stick with XLE, energy stocks and SPYD, high quality dividend value stocks. I would limit equity to max 20% for now, as the risk for continued valuation compression or valuation reduction is very high, and you don't have much time to recover any large losses.

But remember, I am an anonymous poster on an internet web site, so everything I type could be interpreted as :blahblahblah: :blahblahblah: :blahblahblah:

Anyone ever notice CPA and attorneys not welcome at annuity seminars? If you can’t understand it in five minutes find something else. You should not need an attorney to read the fine print

Buy a boat

If you need to make $1800/month off a $250K investment, and my math is right, that means you need a sure-fire 8.64% return, on money you can't afford to lose.

We used to be able to get almost that much in a money market fund before the government got into the counterfeiting business. Maybe in 3 years somebody will get around to turning off the Magic Money Machine, and interest rates will go back to normal, but right now, I'd say your best bet is to leave it in an FDIC-insured savings account and GO FIND A JOB. You don't have enough money to afford to risk any of it.

In a couple of years, you'll qualify for Social Security, and probably make enough to cover your low expenses. But any way you look at it, low inflation or high, you need to bank a lot more money to retire comfortably. And if you're living off that money now, there will be $43,000 less of it by the time you make it to 65.

And they want you to hold your questions until after the presentation as they might be embarassed by people pointing out annuities not what they are represented to be.

Not to mention showing you a 20% chart showing stock market only goes up by 3% a year but guaranteed annuities give you 4.

They didnt like it when I asked what happened if we adjust the 20 year period forward or backward.

Only annuity that makes sense is an Immediate Annuity. They are super simple. Even then only makes sense if you live to reeeeeally old. Every time I calculate how long it will take JUST to get my own original money out I am already dead.

might wanna stay on the side for awhile

but AT&T is giving 8%

High risk is seeking investment advice on TOTV. tell you what, give it to me.

Please make a couple of appointments with Brokers. Check them out at FINRA Broker Check.
This is not the place to get financial help. I know seminars can help a lot with info, try a few.
Big thing is don’t be in a rush.

Annuities are the salesperson's best friend with the highest commissions possible. One thing no one talks about is long-term healthcare insurance.

One more thing as someone else said I would keep all my money out of the stock market or just put 20% in and use that 43,000 as it's the same risk as staying in the stock market and then Market going down 20% . Enjoy life you never know when you might get hit by a golf cart .

Wow, I am surprised there isn't an investment club! There is a club for everything else here in TV!

My advice - Seek professional advice, e.g. Fidelity, your bank, etc. Asking for investments tips in this forum indicates you would benefit from professional help.

Good thoughts

invest
 

if you don't want to worry about watching the stock market all the time try VTI (Vanguard Total Stock Market Index Fund ETF).
3-Year18.73%
5-Year17.90%
10-Year14.70%

Stay away from parady

Become a day trader...
:popcorn::popcorn::popcorn:

Why invest now with all that is going on and much more downside to come. 1st time in over 40 years of investing that I pulled all my money out of the market in early January. During every major downturn the last 20 years, I didn’t sell a share, I actually even bought more during those downturns, not this time. I would have been down almost $500k if I didn’t pull my $$$ out.
I don’t invest in bonds, I don’t have annuities. I usually buy very good low risk high return index funds with 2-3% dividends. I also buy etfs and a couple of stocks like Apple or utilities.
If you buy bonds making a couple %, you are losing money. Last year I averaged 33% gains overall, the year before if was 60% gains in 2020 because of the “v” shaped recovery.
I’m waiting for many changes to happen before I get back in which might be later this year or early next.
I also know you can’t time the market.