How to invest this money
400k in CDs maturing in ~2021 200k in savings ac at weathfront (2.5%) 270k in 2 tech stocks (former emplyers) that have done well. 150k in 401k divided at 4 companies/funds as follows 100k in fund vanguard VIRSX Rest 50k in divided roughly equally in FIMM-inst, vanguard 2040, and Targetdate-2030 Other than tech stocks, the above money has grown very slow (may be 1% per yr). I'm not much risk-taker and didn't manage money much before, so looking for something safe/passive. What return% can one expect to grow money relatively safely? How should i reinvest? tc ~250k, sf bay yoe 19yrs
1.1m. well done.
Safety is relative. You probably mean the principal. That’s treasuries and bank cd, which you already are doing. Your portfolio is very conservative which may be what you need. You must take risk to increase return. If you’re uncomfortable then it’s a different issue. Get a wealth advisor.
You can expect upto a 38% ROI per year if you get BYND box spreads
It’s risk free money
1ronyman would like to agree about box spreads
Take a moment to celebrate
No houses ??
no
Thanks...can you share any leads of CD? How to invest and typical ROI?
If you’re on E*TRADE go to research tab, and pick bonds & cds. You can study the yields by maturity and find a ton of info on them, screen them and ultimately buy.
Typical blind. The dudes ask for advices. Result: everyone asks him for advices
Or it’s a relevant topic for others as well and instead of starting another thread leveraging relevant ones?
Put everything in VTSAX. 7%+ a year average ROI. Bonds and CDs are way too safe unless you are retiring very soon. Get a licensed fiduciary. Dear God Man. For little to no effort you could be bringing in 6 figures of passive income.
Agreed, this is wayyy to conservative. OP is losing out on so much passive income from doing low risk investing.
First if all congratulations. Yes, please grow your money and don't let inflation overtake the returns. I would out the 400k in vtsax and some 40% in Vbtlx which are safer investments
TC n YOE ??