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If you had $5,000 to invest in a low risk way
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nomadphilippines Offline
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Post: #1
If you had $5,000 to invest in a low risk way
banks not giving interest anymore sucks

lets say you had $5,000 that you wanted to invest but you didn't want to lose

just trying to keep up with/beat inflation by a bit

what is the best way to go about this?
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05-24-2016, 01:47 PM
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Alex Offline
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Post: #2
RE: If you had $5,000 to invest in a low risk way
Established index funds for long-term investing and money-making. They usually have minimum pay-ins per month and annual returns of 7-8%.

Random stock market picks for high risk high reward.
05-24-2016, 02:45 PM
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nomadphilippines Offline
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Post: #3
RE: If you had $5,000 to invest in a low risk way
with these index funds could i take my money out at any time? or is it locked in? and if there are monthly pay ins could i start with like 3k and then do 100 more a month or something?


thanks, i know nothing about investments and hate seeing that i am getting like 8 cents a month interest
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05-24-2016, 03:03 PM
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Alex Offline
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Post: #4
RE: If you had $5,000 to invest in a low risk way
Not sure about taking money out, I think to some extent it's locked in, or you get taxed on what you take out, not exactly sure.

As for monthly pay-ins yeah, you can put in a large lump sum up front and then the minimum monthly pay in will be something like $100-500 per month. If you don't meet that I think you get penalized in some way as well.

Every year you will get a dividend (as I said, usually between 5 and 8% so say for a $10,000 portfolio you would get $800) that you can either take as cash (with tax) or reinvest into the fund tax-free.

It may be worth looking into funds based in low-tax jurisdictions to get around the crazy capital gains rates you have in the USA.
05-24-2016, 03:24 PM
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nomadphilippines Offline
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Post: #5
RE: If you had $5,000 to invest in a low risk way
so if you decide to reinvest it is effectively compounding interest right?


you mentioned stocks, considering i have spent the last 10 years weighing risk vs reward i think i could be quite good at stocks, im unemotional and don't overreact to things and am pretty good at math

however there seems to be so many variables at play with stocks that are out of your hands, you have to trust the company to report the right thing, then trust the person you get your info from to be accurate.........

if anyone here invests in stocks what sites do you use to help you decide where to invest?

(thanks alex)
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05-24-2016, 04:02 PM
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JJ Roberts Offline
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Post: #6
RE: If you had $5,000 to invest in a low risk way
Yeah you should put your money into ETFs that track the stock market and bond markets

Split the cash between stocks and bonds with a higher percentage in stocks the more and more risk tolerant you are.

Right now I have 60% stocks and 40% bonds but that's pretty conservative so I was thinking of changing to 70% stocks and 30% bonds or at least a 2 to 1 split in favour of stocks.

80% stock 20% bond would be pretty ballsy and 90% stocks and 10% bonds even more so.

Like I said in the nomad capitalist thread ....

I have found THE book by THE guy on the subject

I would spout about why it looks like it is THE book on the subject but the reviews say a lot more about that than I can

http://www.amazon.com/The-Global-Expatri...6AV4CEJLEK

Start by reading this guy's book.


Guy has a blog too

https://andrewhallam.com/
(This post was last modified: 05-24-2016, 05:31 PM by JJ Roberts.)
05-24-2016, 05:29 PM
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JJ Roberts Offline
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RE: If you had $5,000 to invest in a low risk way
(05-24-2016, 03:24 PM)Alex Wrote: Not sure about taking money out, I think to some extent it's locked in

It's not.

You can put in or take out money as you please without penalty.

Some brokers charge an non-active fee. In other words if you dont do a single trade in a financial quarter, they might charge you a few bucks.

Depends on the broker.

So you can put all $5,000 in at once, put $3,000 in and then setup a monthly pay in or even both.

Up to you.

You can withdraw at any time without penalty.

For any more questions, please post them in the nomad capitalist thread, that's what it is for.
05-24-2016, 05:40 PM
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nomadphilippines Offline
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Post: #8
RE: If you had $5,000 to invest in a low risk way
his blog is even more of a money grab then mine :p
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05-24-2016, 05:44 PM
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nomadphilippines Offline
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Post: #9
RE: If you had $5,000 to invest in a low risk way
do you guys use a financial advisor?

if not where do you go to get your info on stocks?
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05-24-2016, 08:07 PM
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Dash Global Offline
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Post: #10
RE: If you had $5,000 to invest in a low risk way
might as well save it and get more then invest in real estate or something worthwhile.
05-24-2016, 11:37 PM
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geekindex Offline
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Post: #11
RE: If you had $5,000 to invest in a low risk way
Each time a broker sells you something, his share is the only thing that is safe... watch "Wolf of Wallstreet" on that.

There is no low-risk-way of getting high returns. Risk and profit go hand in hand.

You could actually do something good while investing: MICROCREDITS
Don't expect to become rich this way. 5000 $ is way to low to make huge jumps.

Soil / concrete are actually good ideas. But you need more money to start.
05-25-2016, 02:20 AM
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SpecialEd Offline
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Post: #12
RE: If you had $5,000 to invest in a low risk way
There's very little point investing unless you've got liquidity in the 6-figures. Your returns will be micoscopic.

With $5K, I'd start a business, and make some more money.
05-25-2016, 02:53 AM
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Rick91 Offline
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Post: #13
RE: If you had $5,000 to invest in a low risk way
Index fund all the way but it's only really worthwhile if you stick to it consistently for a decade or 2 and you probably need to invest 1000-1500 a month for it to truly be worthwhile.

If my life isn't going anywhere by 28 I intend on doing 4-6 years in the Royal Marines(ideally) and investing the majority of my wage at the end of each month. After that I'd ideally aim to get private security work offshore. Ex Royal Marines make up the majority of security on the big tankers passing the Horne of Africa. The pay was also great at one point but likely will change in time.

A job where I could work less than half the year and clear £30000 tax free would be ideal. Invest half and live the good life with the rest on your off time.

Lots of ifs and buts but that's my general plan of investing and securing life after 40 without relying on my inheritance.
(This post was last modified: 05-25-2016, 04:19 AM by Rick91.)
05-25-2016, 04:16 AM
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TideRide Offline
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Post: #14
RE: If you had $5,000 to invest in a low risk way
Real estate is a headache-taxes, insurance, repairs, maintenance, property managers, loan payments,whiny stupid tenants, liability for potential lawsuits for their micro cromagnons injuring themselves, etc. The only real estate worth a it IMO is trailer parks or hood apartments (they're cheaper to get into, Joe Dirts and Tyrone Jershawns usually don't ask many questions or are as sue happy Like Chester The HR Manager Dweeb in a duplex, and good profit) or commercial office space (the best way to go but you need $ to do this). Maybe flipping commercial lots or buying tracts of acreage and subdividing for yuppies to buy expensive lots on. Flipping houses is also good in some markets if you know how to do the work or can find some loyal hombres to do it for you muy barato. But renting duplexes to uptight corporate drones in suburbia-double yuck!

What about selling used cars in America? Buy them at auction for 3-6k put 1-2k in them and sell it to Billy Bob Earl Dean Ray,Poncho Juan Maria Garcia Diego, or Tyvelius Laquayquay Tayshawn Jermaine for 9-12k.
05-25-2016, 02:40 PM
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Alex Offline
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Post: #15
RE: If you had $5,000 to invest in a low risk way
(05-25-2016, 04:16 AM)Rick91 Wrote: Index fund all the way but it's only really worthwhile if you stick to it consistently for a decade or 2 and you probably need to invest 1000-1500 a month for it to truly be worthwhile.
For sure. I've always understood indexes/ETF's to be prime retirement pots. 5-8% returns over 30 years and you are talking Big Money.

5% interest for a £10k deposit over 30 years comes out at over £40,000. 10k with 5% annual returns, 1k deposited per months comes out to 171,000 after 10 years (41k interest), 434,000 after 20 years (183,000 interest) or 861,000 after 30 years (490,000 interest). That's at a flat 5%, I'm sure you can do better.

Quote:If my life isn't going anywhere by 28 I intend on doing 4-6 years in the Royal Marines(ideally) and investing the majority of my wage at the end of each month. After that I'd ideally aim to get private security work offshore. Ex Royal Marines make up the majority of security on the big tankers passing the Horne of Africa. The pay was also great at one point but likely will change in time.

A job where I could work less than half the year and clear £30000 tax free would be ideal. Invest half and live the good life with the rest on your off time.
Solid plan. One question, are you still ok wrt fitness and stuff joining the marines at 28? Would it be better to suck it up and try joining now? You gotta be careful you don't fall into the money-blowing trap like most army blokes.

Horn of Africa security work (and all other security works) still pay handsomely. You can run security for interests in Iraq or African states too.
Quote:Lots of ifs and buts but that's my general plan of investing and securing life after 40 without relying on my inheritance.
Better than mine lol. I have no fucking idea what I'm doing ATM.
05-25-2016, 03:02 PM
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