How to Invest 200k?

Intel thebuddha
Jan 7 32 Comments

It's a small amount of money. With the stock market bouncing like a ping-pong ball and a recession being forecasted by every other analyst, how should I invest 200k? I could put it in a CD or Savings account but the return is pathetic. Any other ideas? Gold? Silver?

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TOP 32 Comments
  • New bBLy15h
    Buy VTSAX and hold forever
    Jan 7 9
    • Cisco / Eng
      DoTheNeedy

      Cisco Eng

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      DoTheNeedymore
      Hold forever? If you're never going to see the money, isn't it a 100% loss?
      Jan 7
    • Compass / Eng
      FUPayMe

      Compass Eng

      PRE
      Google
      FUPayMemore
      Nope you can take loans against your portfolio at super low rates 2% etc
      Jan 7
    • Oracle / Eng
      IRS

      Oracle Eng

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      IRSmore
      Tell us more re 2% loans against portfolio. Where, how?
      Jan 7
    • Compass / Eng
      FUPayMe

      Compass Eng

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      FUPayMemore
      Chase private client. You need a minimum of 200k I think to open the account so you should be all set.
      Jan 7
    • Oracle / Eng
      IRS

      Oracle Eng

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      IRSmore
      Tnx!
      Jan 7
    • Cisco / Eng
      DoTheNeedy

      Cisco Eng

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      DoTheNeedymore
      That's a great idea! Invest all your money, take a loan against it and spend it all! That way you get to both spend and invest the same money!
      Jan 7
    • Oracle / Eng
      IRS

      Oracle Eng

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      IRSmore
      It's good to have options.
      Jan 7
    • Google Mqaz12
      Can you use the loan to buy more stock?
      Jan 7
    • Compass / Eng
      FUPayMe

      Compass Eng

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      FUPayMemore
      It’s cash so... yea. But you can also just use a margin account to do the same simpler and for less of a fee.

      Also options trading.
      Jan 7
  • Dell / Design KRZ37
    LOL @ "it's a small amount of money"
    Jan 7 2
    • Intel thebuddha
      OP
      Okay honestly it's quite a lot to me, but with everyone flaunting their 500k TC around here this amount seem trivial.
      Jan 7
    • Dell / Design KRZ37
      I couldn't pull together $20k to invest, so yeah... Perspective.
      Jan 7
  • Amazon JFThanos✊
    Use it to fund a syndicate investing in a multifamily properly/apartments. You can reasonably look at a 15-20% ROI in the course of 4 yrs. Most importantly ask for the knowledge of how these deals are constructed so you can do it yourself and become the syndicator.
    Jan 7 0
  • Apple AppleCar
    Depends on the return you expect. If you expect a normal 10% return I would suggest you keep it cash and you the money to buy a house if the market falls next year.

    Cash in hand will give you lot of options and you may be able to get a good deal, no risk of loss and potential to buy something at great price

    Worst case - you still have ur 200k
    Jan 7 0
  • Intel &&-9jj
    Money market - 2% and highly liquid to pounce when asset prices drop towards the mean
    Jan 7 6
    • Amazon OlAl28
      And what prey tell is the "mean"?
      Jan 7
    • Intel &&-9jj
      Ever hear of reversion to the mean? Look at the hundred year average and you’ll see assets have never been more expensive compared to their historical averages and ratios.
      Jan 7
    • Amazon OlAl28
      So when was the last time to buy stocks according to you?
      Jan 7
    • Intel &&-9jj
      Dec 24. Sold this morning.
      Jan 8
    • Amazon OlAl28
      Of course an anonymous internet stranger managed to time the recent dip perfectly, no surprise there. As an aside, what you've just implied is the entire stock market is only, what, 8% over valued right now? Lol
      Jan 8
    • Intel &&-9jj
      With the combo of the risk-free interest rate dropping by half a point it’s a bit more, but yes. I know - it’s my rare time to brag about timing the market. It was a good one though - $40K in two weeks ain’t bad!
      Jan 8
  • IBM / Eng Leetcode
    Either VSTAX or a target retirement index fund
    Jan 7 0
  • Microsoft pJcW86
    Go to a casino and bet it all.

    If you really think we are going into a recession then put your money where your mouth is and short the market.

    (By the way you're too late)
    Jan 7 0
  • Dialpad / Eng
    wSSw54

    Dialpad Eng

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    wSSw54more
    Some of the roboinvestors are a decent place to earn mediocre returns in lieu of anything else. Wealthfront, Betterment, both have done well for me personally. I'm sure there are others.
    Jan 7 3
    • Apple fu manchu
      How long have you used wealthfront? I’ve used mine since May 2018 and it’s gone nowhere but -13%. And what is your risk threshold.
      Jan 7
    • Dialpad / Eng
      wSSw54

      Dialpad Eng

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      wSSw54more
      Approx two years, risk threshold was 9 until July when I bumped it to 10. Return was approx 8% until this past month's crash, now I'm sitting at -1.2% and starting to climb back. Not as good as back when I was day trading, and the crash only got handled mediocrely, but for a zero-effort long term holding it's not bad at all. The markets will either rebound and bring wealthfront back into the black or the market will continue crashing to the point where any other unmanaged investment would do about the same.
      Jan 7
    • Apple fu manchu
      My risk threshold is 9 as well. Damn. I’m completely not happy with wealthfront. I do better with just buying my own vanguard funds.
      Jan 8
  • Lyft crossfire
    Other answers are good, l will just add that if you go the stock route and want to smoothen it a bit, you can dollar cost average it over 6 months, you will get better rate over time if stock tanks, or keep it in cash which is relatively stable.
    Jan 7 0
  • Amadeus Trick2g
    Use it to play live poker. I just converted $120 to $1000 in Vegas recently. Plenty of fishes on the tables willing to go broke.
    Jan 7 0
  • Amazon / Data
    abguru

    Amazon Data

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    abgurumore
    Why dont you invest in any real-estate
    Jan 7 0
  • Oracle / Eng
    IRS

    Oracle Eng

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    IRSmore
    eREIT like fundrise.com (no affiliation)
    Jan 7 0

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