What's the best investment for retirement in 20 years?

Question

Besides putting the minimum amount into my already growing ROTH Ira each year, what is the best way to invest $20k right now?

So that in 20 years when I retire, I'll have that and the yearly additions to the Roth Ira each year.

Answer 1

Buy a target fund ie 2030 fund... It's automatically managed for you to retire in the target year.

Answer 2

I have been managing funds since 1997, and this is what I always tell my clients: There is no one best investment. Some investments will do well on certain economic conditions while some will not.

To ensure future cash flow and to balance their portfolio, I tell them to allocate part of their capital to fixed income investments (treasury bills, bank CDs, rental property) and another part to capital growth securities (stocks, managed foreign exchange trading, options/futures).

For those who are risk averse, I recommend an 80 - 20 allocation in favor of fixed income investments. If you want higher return, then allocate 50-50 for both fixed income investments and capital growth securities.

Hope this helps.

Jim http://jsforex.blogspot.com

PS

This advice is not suitable for all investors. Make sure you consult first with your financial advisor.

Answer 3

The Roth IRA is a fabulous vehicle, as the returns are never taxed. It also works well if you have heirs.

Your really have 2 choices:

1. Invest in traditional markets and enjoy the roller coaster ride of ups and downs as the market expands and contracts. Ask those who retired in 2000 and took a 40% hit on their portfolio. If you want the easy way and abdicate responsibility, go to a financial planner and invest the money based on your risk profile.

2. Learn about the path to generating wealth. Just spend 30 minutes a day learning about finance. There are other paths outside the scope of what the banks and financial planners sell that are far less risky and have much better returns. It is pretty easy to get anything from 12% to 20% returns with practically no risk. The model is "you make your money when you buy the investment, not when you sell it". I hope that one day you will understand this statement.

Good luck.

Answer 4

I´ve been investing for more than 20 years and trading for almost 14, and I can tell you that if you want to make BIG and FAST profits, I recommend you trading rather than investing, trading can help you to go from rags to rich.

If you are investing, you must have already achieved some degree of financial success, long term stock investing and FOREX can help you become much richer than you are today.

My experiences as a Nasdaq Market Maker, Head trader of several brokerage firms, and currently as a professional trader and private hedge fund manager, I can suggest you that:

We trade because we want quick, short term profits on a consistent basis. We want to cash flow the market. Milk it like a cow.

Make consistent, small, short term gains rather than trying to hit a home run on every trade. Don't ever forget that.

Don't marry a stock, marry the idea of making money trading stocks. That's the only way to do it.

For me "All stocks are equally worthless”

I don't hold on to any illusion that the stock market will continue to go up and provide a nice retirement for me.

I could care less which way the market goes. It's irrelevant to me if the market goes higher, crashes or moves sideways for the next 50 years. I really could care less. Stocks are just four letters with two prices next to them that I use to make a living trading.

Trade ONLY when you have a clear, easy and identifiable advantage, because without a CLEAR EDGE your odds of success are NO better than a flip of a coin… That´s why so many new traders (and investors) lose money.

Take a look at any daily chart of any index or stock and you'll probably see the most volatility and the biggest opportunity for profit during the first Hour of the stock market's opening.

The popular thinking and conventional wisdom is that you should wait about an hour before you start trading.

But if you do, you'll miss the big, fast moves that stocks make as all the amateurs let their emotions out through their

online accounts, usually right after they read some news headline or hear Maria Bartiromo go off about a stock on CNBC.

It's easy to see why trading the open is the market's prime time for profiting from other online traders.

The market's open is very volatile - that is the perfect environment for LARGE, FAST profits.

Learn to trade as a professional Market Maker ,not as an emotionally driven amateur trader or investor with few thousand dollars in an account at Etrade.

There isn't any other time during the day or any stock you can invest in, that can make you 1, 2, 3, 5, 7 or more points

in minutes OTHER than during the first hour the stock market is open. That's why I love trading the open so much.

I trade only when I have an edge and that means "only the first hour the market is open".

If you are a beginning trader, you can give yourself an unfair advantage in the market trading this way.

I can carry on with the advises about how to make money trading, but if you ask me:

"What is the best thing you can do for me?

I will say:

Give yourself a BIG favor and go to this "Top Secret" site and learn how to get the BEST stocks that will make the largest and fastest day trading profits you´ve ever seen, all by yourself...

www.onehourtrading.com

After you review this site you won´t need system, strategy, book, software or mentor to tell you what to do,

you will be able to profit HUGE every day.

Good luck and good trading,

John Fontaine

Answer 5

Apple because everyone is buying ipods. Or what you could do is find out where a hotel is being built find one near a very popular place like a beach invest in it while they are building it and you will get a check in about less than a month