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- Thread starter beastboy
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If your investing for long tern. I probbly wouldn't really invest until acouple months pass. Lately the Market has been so volitile that you have a high risk. If your looking for safe investments, find something that you know is going to be around for a long time and try to buy shares while it hits a down turn and is low.
If I was going to invest today I would only be trading with options, just trying to get some cash but nothing longterm.
If I was going to invest today I would only be trading with options, just trying to get some cash but nothing longterm.
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Y_Lifter said:
that maybe true, mark up value in products is usually over 200% increase in cost to make to price for sale. But this has nothing to do with stock prices. Stock prices go up and down depending on trades views on a company. buy/sell shares is what drives the price up and down.
HappyScrappy
New member
If you are admittedly clueless - then a mutual fund would be good - let someone else do the work. safest would be bonds - or a bond fund.
educate yourself on abit of investing first then. Peter Lynch once said the best way to know if a company is stable is to walk around a mall and look to see what stores are packed with people. Follow the crowds. I'm not sure if this is the best way to see things but he is a very wealthy man.
ZenMachine
New member
Considering your time frame, I would look at an index fund.
Zen
Zen
HappyScrappy
New member
beastboy said:
you said "SAFE"
to then care what they are earning negates that statement.
you need to decide if you want to make money or retain what you have.
bonds are the least risky for a reason, they will earn the least.
that said, they are still better than keeping the money in your closet or in a bank.
If you are looking into mutual funds, you still have to know abit about some things. You have to know how to find a great fund that is run by a good fund manager. Don't judge mutual funds by there name. Some funds might have a name like Johnso Electric fund, most would think it invests in electronic industries but it couldbe something totally different then it apears.
ZenMachine said:
This is true. If you look at the S&P 500 index fund it could be a very safe investment. The returns arn't that great I don't know what % but if you compare it to the market during your time of your investent I'm sure it will outperform the market as a whole.
ZenMachine
New member
HappyScrappy
New member
any of the online trading companies have tons of info for you.
fool.com (the motley fool) does as well.
tons of sites. books as well.
in the end you just want to decide what you are willing to risk for what rewards. as is the way with most everything in life.
fool.com (the motley fool) does as well.
tons of sites. books as well.
in the end you just want to decide what you are willing to risk for what rewards. as is the way with most everything in life.
Goto Barnes&nobles and pick up some investing books. You should understand the methods of investing before jumping in yourself.
If your looking to use a broker, research the different types and find out what is best for you.
BTW- it's good that you are interested in this, cause most older people realize their bad investing mistakes when they get near retirement. Most of their mistakes would be that they did not invest,
If your looking to use a broker, research the different types and find out what is best for you.
BTW- it's good that you are interested in this, cause most older people realize their bad investing mistakes when they get near retirement. Most of their mistakes would be that they did not invest,
Y_lifter
New member
And on top of the good advice here, make sure you spread your money across a few different stocks of funds in different areas of business.
I have a big chunk 50% of my money in a Moderate Safe Bond heavy fund.
30% in a few stable gaining stocks like KK
Another 20% in my Companies stock mostly from 401K matching.
At 40, I'm looking for a compromise of making some money and keeping almost all of what I put in each week.
I have a big chunk 50% of my money in a Moderate Safe Bond heavy fund.
30% in a few stable gaining stocks like KK
Another 20% in my Companies stock mostly from 401K matching.
At 40, I'm looking for a compromise of making some money and keeping almost all of what I put in each week.
grlpwrd
New member
I agree about www.fool.com . Kinda off the wall, but good info.
Definitely diversify.
One last thing - it's a good time to buy now when everyone is bailing on stocks. I'm not going to tell you which stocks, but remember to buy low and sell high if you can. I really think the market will rebound..someday.
Definitely diversify.
One last thing - it's a good time to buy now when everyone is bailing on stocks. I'm not going to tell you which stocks, but remember to buy low and sell high if you can. I really think the market will rebound..someday.
grlpwrd said:I agree about www.fool.com . Kinda off the wall, but good info.
Definitely diversify.
One last thing - it's a good time to buy now when everyone is bailing on stocks. I'm not going to tell you which stocks, but remember to buy low and sell high if you can. I really think the market will rebound..someday.
Well anyone who shorted American Airlines after 9/11 is a very happy person. So buying low and selling high is not always they best way to make gains with money. Shorting a stock(burrowing shares at a high price then buying them at a low price to cover the shares) works well also.
VicTusDeuS
New member
Stay away from options, they are only good as a hedge and most of the time they expire worthless although in volitile markets you can make some money.
Since your only investing $5000, it would be hard to diversify and still buy a good amount of any one stock. Once you start buying different companies, your now spending extra money on commissions-money of that $5k that you can be using to invest.
Someone said to go with a mutual fund or index fund and let someone else do the thinking. There are thousands of mutual funds available and each have their own performance record, along with different loads and fee's. Despite what people say, in the long run front loaded funds are the best to go with, and many will omit that front loaded fee if you invest a certain amount of money...Which is a Good value since the fee's you pay also effect your return. They also have bond funds and stock funds, all with diferent risk. You gotta do mostly your own research when it comes to mutual funds. Look at the W&R funds, they usually have atleast 1 fund that outperforms all the rest. You can find them at www.waddell.com
In times like now it's good to keep an eye on defensive stocks which are stocks that are un-affected by market conditions....food stores, medical etc are those types.
There are a lot of online resources, but I would look into a fund rather than direct investing..especially with 5000 sitting around.
Since your only investing $5000, it would be hard to diversify and still buy a good amount of any one stock. Once you start buying different companies, your now spending extra money on commissions-money of that $5k that you can be using to invest.
Someone said to go with a mutual fund or index fund and let someone else do the thinking. There are thousands of mutual funds available and each have their own performance record, along with different loads and fee's. Despite what people say, in the long run front loaded funds are the best to go with, and many will omit that front loaded fee if you invest a certain amount of money...Which is a Good value since the fee's you pay also effect your return. They also have bond funds and stock funds, all with diferent risk. You gotta do mostly your own research when it comes to mutual funds. Look at the W&R funds, they usually have atleast 1 fund that outperforms all the rest. You can find them at www.waddell.com
In times like now it's good to keep an eye on defensive stocks which are stocks that are un-affected by market conditions....food stores, medical etc are those types.
There are a lot of online resources, but I would look into a fund rather than direct investing..especially with 5000 sitting around.
Lumberg
New member
just to clear something up:
if you want safe, you will get low return. a MM acct returns about 3% APR. That is the safest and most liquid investment you can make.
Everything else comes with risk. The more return you want, the more risk you have to take. This is where individual investors are at a huge disadvantage because with 000,000,000s you can diverisfy and hedge and etc. But with $5000 you have to pretty much pick one thing and invest in it. THe most cost effective way for the small investor to diversify is through spiders: 500 stocks, low fees. Actually IVVs are even cheaper, that is what I own.
Cubes QQQ represent 100 stocks. Diamonds represent 30 stocks. OF course cubes are seen as more volatile and diamonds as safer.
There are also many new ETFs springing up. A lot concentrate on sectors. IF you truly think a certain sector is going to blow up (IE you know something the smartest analysts who make 000,000 s of $ on Wall Street don't know), try an ETF in that sector.
Also do you NEED the money in under 2 years? If so stocks are out. The market still has plenty of room to fall. Would a retiree put his entire saivings in the market at age 63? No.
And if you don't know what the fuck I am talking about, put your money in the bank son and spend a few months reading the WSJ.
JC
if you want safe, you will get low return. a MM acct returns about 3% APR. That is the safest and most liquid investment you can make.
Everything else comes with risk. The more return you want, the more risk you have to take. This is where individual investors are at a huge disadvantage because with 000,000,000s you can diverisfy and hedge and etc. But with $5000 you have to pretty much pick one thing and invest in it. THe most cost effective way for the small investor to diversify is through spiders: 500 stocks, low fees. Actually IVVs are even cheaper, that is what I own.
Cubes QQQ represent 100 stocks. Diamonds represent 30 stocks. OF course cubes are seen as more volatile and diamonds as safer.
There are also many new ETFs springing up. A lot concentrate on sectors. IF you truly think a certain sector is going to blow up (IE you know something the smartest analysts who make 000,000 s of $ on Wall Street don't know), try an ETF in that sector.
Also do you NEED the money in under 2 years? If so stocks are out. The market still has plenty of room to fall. Would a retiree put his entire saivings in the market at age 63? No.
And if you don't know what the fuck I am talking about, put your money in the bank son and spend a few months reading the WSJ.
JC
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