Managing finance

Yahoo / Eng
Y6w()

Go to company page Yahoo Eng

Y6w()
Dec 23, 2017 14 Comments

Whats a good investment in the long term. I dont want to put a whole lot in something as volatile as crypto ( have around 5k there ). I put some money in wealthfront ( 25k around) but majority of the money (100k+) is still sitting in my bank account with almost no returns. Dont think I can afford a decent house in the bay area even for investment purpose with that kind of money. What are other good investment options ? Put more money in wealthfront ? How people here usually invest ?

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TOP 14 Comments
  • PayPal / Eng
    Contrarian

    Go to company page PayPal Eng

    Contrarian
    I don’t mind keeping 100k+ in savings as an emergency fund, especially with large crypto holdings. It offsets the volatility in other markets.
    Dec 23, 2017 1
    • This is what I do. Barbell style investment. 100k in CD+cash, the rest in high volatility speculation of crypto, stocks, options.

      Nothing wrong with sitting on a year or two worth of cash if you're unsure what to do with it. Nice emergency fund that allows you to take risks in other areas.
      Dec 23, 2017
  • Amazon / Eng
    jHUS45

    Go to company page Amazon Eng

    jHUS45
    Dividend income portfolio 8.47% yield with mostly monthly distributions.
    (VNQ, SDIV, SEA, AMZA, AMJ, KBWY, MORT, YYY)
    Dec 23, 2017 2
    • IBM
      DaEI86

      Go to company page IBM

      DaEI86
      What's going on with SEA, AMZA, AMJ, and YYY? They're down quite a bit from a year or so ago
      Dec 23, 2017
    • Amazon / Eng
      jHUS45

      Go to company page Amazon Eng

      jHUS45
      Over the past 5+ years the equity hasn't gains valued its been about breakeven. Its more of a stable place to park cash and gain a monthly income stream as all those etfs pay monthly dividends except VNQ. Focus on the price stability of the portfolio and size of yield. The price chart doesn't ever reflect the dividend income generated. It basically can use the yield to buy more shares and compound dividends. If you need a good broker reference for this strategy let me know. Do some research into dividend and income portfolios first so your familiar with the strategy
      Dec 23, 2017
  • Yahoo / Eng
    Jnbsg

    Go to company page Yahoo Eng

    Jnbsg
    Any robo advisor can give u 9-10% yoy so that’s the safest thing next to savings account
    Dec 23, 2017 5
    • Yahoo / Eng
      Jnbsg

      Go to company page Yahoo Eng

      Jnbsg
      Tailor is kinda an exaggeration. Moving a single risk handle isn’t really tailoring
      Dec 24, 2017
    • Gen!x / Eng
      XPbr65

      Gen!x Eng

      PRE
      Bank of America Merrill Lynch, HPE, Northrop Grumman
      BIO
      mehy
      XPbr65
      This is an exercise in splitting hairs.

      Robo advisers categorize individuals based on questions they answer. Investment choices is based on the pool the user falls into.

      You can quibble that the pool size is greater than one so the advice is not tailored to a specific individual But rather a category of individuals.

      But I say whatevs on that distinction.
      Dec 24, 2017
  • New
    TICG13

    Go to company page New

    TICG13
    Personally, I saw what Betterment suggested and then I invested in mutual funds similar to what they suggested and made allocations to them similar to their percentage allocation. I.e. X% to large caps, Y% to small caps, Z% to emerging markets etc.
    Dec 24, 2017 0
  • New
    TICG13

    Go to company page New

    TICG13
    Put it into 10-15 stocks that you don’t plan on touching for 5+ years and then a smaller allocation to Betterment and a REIT mutual fund (assuming wealthfront doesn’t already have REIT exposure)
    Dec 23, 2017 0