Have about 400k savings in several online CDs that give me about 2%. Needed to dreate several different online-banks' accounts as FDIC limit is 250k. Invested 5k in PIMCO fund as experiment 10yrs ago and it's since lost money (afaict) as it's at 4k now. I have no money elsewhere such as any other high-risk investment like stocks (other than vested rsu). I see people say about 5%interest one should be able to get easy at very very low risk. How do i invest so at least get better than 1-2%? Where?
Never heard of managed projects any examples?
Here is an overview of a few options: https://money.usnews.com/investing/real-estate-investments/articles/2018-04-25/which-is-best-reits-or-real-estate-crowdfunding
You dummies over complicate everything. Just buy Apple, Microsoft stock. You'll collect a few thousand a year and see 3% year over year gains
Hard to argue with that. What's your argument about predictably of 3 percent
Now they are less than 1.5% dividend. Also as far as I remember AAPL never paid more than 2% dividend. Check EPD, BEP, PG, CSCO, QCOM, GIS, SNY, CVX, XOM, BUD,KHC, CPB, T (AT&T) and VZ (Verizon) stocks, which all pay 3% plus dividend. Look at what you like and take it from there. Look for diversify across sectors.
Returns are directly correlated with risk. If you want to take no risk, you’re saying you want no return. That’s just how it works. No free lunch.
Vanguard.
A vanguard bond fund is about as safe with the most return there is.
Which one? I haven’t seen bond funds doing well last 2-3 years
With those savings I would invest 300k in total stock market fund and 100k in CDs etc. expected return of this portfolio being (7*300 + 1.5*100) / 400 = 5.6%. 7% market return and 1.5% CD returns. It appears that you are risk averse and want approx 5%. So you can tweak above to figure out how much you want to put in stock market. Nothing wrong with 100 stock and 300 CD which gives u 2.9%
If you buy bonds and interest rates go up, the bonds will lose value. I would not do this now. You might want to consider real estate, for the purpose of rentals. I would look outside of California where cap rates are higher and there is more room for appreciation. There are managed projects you can get into where no work or management is required.
They don’t “lose value”. The value doesn’t change. They earn less return than bonds issued in the future would. Take the amount of money you have, the more time and risk involved the higher the EXPECTED rate of return. Zero risk, low return. High risk, high potential. You can do bonds if you want: treasury, municipal, businesses, etc. it’s just a debt instrument.
They do lose their sale value. But, this doesn’t matter if you hold to maturity