Got a tip for us?
Let us know
Become a MacRumors Supporter for $50/year with no ads, ability to filter front page stories, and private forums.
How would you invest $100K in spare cash?
- Thread starter tzhu07
- Start date
- Sort by reaction score
Worst idea ever! I remember back when I was 20 and went to one of these 'guys'. After his lecture, I asked how long has he been doing this, he said 20 years ( he looked about 40 ). I asked why was he still working. Silence. I quietly got up and walked away.
I've invested in blue chip companies and they have done me very well. For example Intel and Johnson and Johnson have consistently returned 4% dividends and above average growth, not to mention the splits. For example J&J split (2:1) the year I purchased them ( sadly had very few shares then ) and again about 5 years later ( I did much better ).
I recommend investing in housing and blue chip stocks of your choice. Take your earnings and give 50% of them away each year in the form of grants to whatever you are passionate in.
Good luck.
Glad you're doing well, but your question was certainly a poor way to judge performance or ability.
There are many very successful people who could easily retire but prefer to continue doing work they love.
I think with that much, you should be able to buy that fancy apple watch. I'd go for that.
But seriously, it depends on how old you are. If you are younger, I would set up a retirement plan of sorts. If you are 78, I would go out to eat every day and get desert with every meal.
But seriously, it depends on how old you are. If you are younger, I would set up a retirement plan of sorts. If you are 78, I would go out to eat every day and get desert with every meal.
Except there is no such thing as karma, at all.
I'd buy real estate I believe, but I'd actually end up better off if I paid off all of my debt excluding my home.
Good advice but rarely followed.
If you have a loan at say 7% you are unlikely to earn that amount of interest on an investment. If your paying more, it's even worse.
Trouble is when people get money, there's always something more interesting than paying off your debts. My mortgage is the only loan I ever had. Finished that 7 years ago, but still pay the same amount into our savings. Just wish the interest rate would go up!
Very kind of you, thank you. Investment managers make money with trades, they honestly don't give a damn about you. Do not get me wrong, there are many honest investment managers, probably a few honorable ones. The not-so-wealthy man of my story was surely one of these; otherwise he would be wealthy off of trades after 20 years.
Here's my thought process ( that I did not know at the time ): there are really only two investment managers: poor ones and wealthy ones. The ones that truly know what they are doing, don't work for you, they work for themselves. I've known quite a few. My nephew is one.
I only expect a few to understand any of this.
Unfortunately, I'm one of the few, that doesn't understand the need for a ladder.
Well, how did you get up there in the first place? Did your mother give birth to you up there?
Yes, this is meant as an open ended question, as some users have mentioned.
I'm kind of surprised that no one mentioned a word about investing in yourself. Spending money that improves yourself mentally or physically, spending money on valuable education and learning technical skills, on healthy foods, exercise equipment, better wardrobe to make yourself more presentable, etc.
"Generally speaking, investing in yourself is the best thing you can do. Anything that improves your own talents; nobody can tax it or take it away from you. They can run up huge deficits and the dollar can become worth far less. You can have all kinds of things happen. But if youve got talent yourself, and youve maximized your talent, youve got a tremendous asset that can return ten-fold."
- Warren Buffett
I'm kind of surprised that no one mentioned a word about investing in yourself. Spending money that improves yourself mentally or physically, spending money on valuable education and learning technical skills, on healthy foods, exercise equipment, better wardrobe to make yourself more presentable, etc.
"Generally speaking, investing in yourself is the best thing you can do. Anything that improves your own talents; nobody can tax it or take it away from you. They can run up huge deficits and the dollar can become worth far less. You can have all kinds of things happen. But if youve got talent yourself, and youve maximized your talent, youve got a tremendous asset that can return ten-fold."
- Warren Buffett
I worked hard for my pennies and offered advice that has assisted me in life. I chose not to offer the 'industry standard' answer, and gave reasons why. I'm sorry if my suggestions offended you.
No no, you misunderstand. I wondered if you used a ladder to get up on your high horse or if your mother gave birth to you there.
Thank you I understand now; instead of offering personal advice gleaned from real life experience or passing on advice you've read about in a commercial based magazine, you've used your time to insult me.
How would you invest $100K in spare cash?
25/75 .... high risk/low risk
im thinking myself to buy an appartment and then rent it... BUT you need to calculate possible larger renovations coming on next few years (10-15 years) if the building is old.
25/75 .... high risk/low risk
im thinking myself to buy an appartment and then rent it... BUT you need to calculate possible larger renovations coming on next few years (10-15 years) if the building is old.
Last edited:
Pay off debts, and then invest in a low-cost total stock market index fund such as offered by Vanguard. Use tax-deferred options such as Roth 401k to the extent possible. Set aside cash in money market to cover 6 months of living costs in case of emergency. Study each potential investment before you act.
Haven't looked into investing in detail before, but for the benefit of myself and potentially OP I am wondering how to see a 5-10% ROI within a year without risk. I hear people talking about yielding such results but without much explanation.
Once I have a very solid, in-depth business plan that is carefully structured I will go ahead and invest money into making that a reality but I'm not one to rush into it only to burn money.
OP, the highest risk-to-reward would be starting your own business. $100k could be turned into a million-dollar-a-year business in the right hands.
Once I have a very solid, in-depth business plan that is carefully structured I will go ahead and invest money into making that a reality but I'm not one to rush into it only to burn money.
OP, the highest risk-to-reward would be starting your own business. $100k could be turned into a million-dollar-a-year business in the right hands.
Pretty much this
I have a vangaurd star fund from my grandparents, that once I get a job, I plan to put more money into it.
I'd open a roth IRA too.
Maybe invest in apple
Yeah, I know. It sucks to get a lump sum and put it all towards debt, but in the long run, it is good. $100k today would absolutely change my life. It would pay off something that is not likely ever going to be paid off.