How would you invest $150,000, keeping in mind the current market, retirement & keeping portfolio diversified?

Question

Thanks for everyone's advice. I will not provide my personal specifics online. However, let's say this $150,000 is just sitting in a no-interest checking account waiting to be invested. This is all you have. Clean slate. No debt. Just this cash. What would you do?

Answer 1

I'd play some in the Forex market and some in the ones mentioned above.

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Answer 2

Hi,

I suggest you give specifics about yourself in order that the answer(s) are more tailored to your specific situation.

Check out www.moneyrec.com, you list your stats, ask your question with age, income, risk tolerance, expenses- anything that can help draw a better financial picture.  Moneyrec is a site designed for questions like yours, it also has thousands of user reviews for mutual funds and stocks.  Free to users.

Best of Luck,

Bunny

Answer 3

Without knowing if you have other investments, an emergency fund, debts, do you want to actively manage the money or invest and forget, risk tolerance, and your time horizon for the money, no one can properly answer this question.

If you have an emergency fund, no other investments, no high interest debt, want to invest and not pay attention to it, you can sleep at night with your money invested in stocks and bonds which may lose value for a few years, and over 20 years until you need the money, I would suggest a target retirement fund from either T. Rowe Price or Vanguard.   They cover the investing world and handle asset allocation for you.

If all those ifs are not true, please provide more information.

Answer 4

For me personally (and this may not work for you)

I would put $60,000 into CDs and stagger it out as $10,000 each month for 6 months.

I would buy $30,000 in T-Bonds again stagger out monthly $5,000 a month for 6 months.

All of the dividends from the CDs and Bonds would fund my IRA.

The reamining $60,000 I would buy ETFs in a predetermined manner (which I am not a liberty to discuss) that would be diversified by market sector and location.

That's what I would do.  This is assuming I would not be contributing future monies aside from my returns.

Answer 5

It depends on how young you are. Younger people are more tolerant to handling risk to get higher rewards on their investment.

What I tell my clients is to invest part of their portfolio to fixed income securities, and the other part, for speculative investments. Not one or the other, but has to be both.

Fixed income securities examples would be treasury bills, bank CDs, even rent income from real estate. Pros: you get a  fixed return on your investment over a given period of time. Cons: rising inflation, weak dollar.

You can trade speculative investments yourself, but I would recommend you find an established trader who is an expert in their own field. Speculative instruments are stocks, foreign exchange, commodities. Pros: cash flow from speculatives can keep up with rising oil prices, inflation, and may provide much needed cash flow for the future. Cons: You can lose part or all of your money.

Be sure to consult first with your financial advisor before undertaking any kind of investment.

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Answer 6

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Answer 7

Hard to say without knowing your overall financial situation and time-line.  In light of the recent market volatility and low interest rates at most banks, I think a fixed or indexed annuity is a viable option with a portion of most retirement accounts.  They guarantee safety, growth, and are not subject to market loss.

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Fixed annuity account interest rates:

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