How do I invest 20k? Saved up over a few years and looking for

>>731665592
Go to subway and order 4000 sandwiches.

>>731665592
How much risk are you willing to take on for how much reward?

(Personally, I'm a fan of investing in stocks that reliably produce dividends. It's a source of ongoing income to live on or reinvest)

>>731665732
>sandwiches
Best investment

>>731665592
mutual funds are fairly low risk and will yield instant monthly returns numbering in the hundreds if you invested that 20k right now, depending on the deal the credit union/bank gives you.

Certificates of deposit could net you a couple extra hundred dollars off that initial capital, but the maturation rate would be longer. Unless that money is expendable and you have enough to live off of despite investing it I'd say the former is the better option.

No expert here though, you should be talking to the bankers who will sell you their deals. Just shop around first before you set yourself to any one company.

Ticker VOO it's an ETF that tracks the return on the S&P 500. You get decent dividends on it, aren't overexposed to the return of a single stock and you don't need to do much thinking.

I'm in finance

>>731666203
You should probably clarify that they should speak to an investment banker so he doesn't get bad advice from some dumbass account manager (who are more generalist in their approach and often miss the more profitable or safe means of investment)

>>731665779
I have a stable job, and enough income to live comfortably within my means... So I'm thinking something high risk? Why not give it a shot to build a better future for myself and family?

>>731666536
okay so youre going to want to go to vegas and put 20k on black... theres your high risk high reward

>>731666447
Thank you. I couldn't for the life of me get my brain to remember what that was called. To be fair I am pretty drunk right now

>>731666636
Well, I was thinking about cryptocurrency.

>>731666536
Personally, I'd suggest going with >>731666447

If you really want high risk/reward, ask your investment banker about high yield trading. Basically, they'll stick the money in their system using investments run by a bot. Returns on that can be high but you risk losing a substantial amount of money in a breathtaking short period of time. (it's the investment equivalent of >>731666636

Just buy these

https://www.kefdirect.com/reference-5-ultimate-floorstanding-speaker.html

>>731667906
truth be spoken

Do your self a favor by building independent wealth and read rich dad poor dad by Robert kiyosaki

SPHD is great for dividends. VIMSX is mid-cap and can be a bit more volatile than a standard SP500 index ETF, but check out the prospectus.

>>731666447
i'm stupid but isn't this one of those things where you invest a large amount of money and only make about $1000 a year? Like an extremely slow and low return? Or do I got it fucked up and its actually per month?

>>731665592
snapchat stock its going up to $500

>>731666447
Have no idea what most of this means but what would OP be expecting to gain per month or per year dropping 20,000 into that thing?

>>731665592
>Buy 20k worth of cocaine
>Sell for 3x price
>But only sell half of it bc it takes so long to sell in small quantities
>And beaners ripped you off
>And niggers rob you
>And you now have a coke habit to feed
>And CIA informants to keep sucked off
>O fuk my life is shit
>Wut have I done

Should have just stuck with marijuana.

Low risk robo investing. Which is basically mutual funds. Get a few hundred a month if market keeps going as it is.

>>731669906
how much is a few hundreds

>>731670009
A few, 3-4
Hundreds, an amount signified by a digit with two zeroes after it

>>731666509
>Speak to an investment banker
Jesus dude, you have no idea what an investment banker is do you?

>Source: I work in private equity for a living, investing is literally my job

>>731670090
Is that because hes dropping 20,000 or??

>>731665592

OP, if you don't know what you're doing, just invest in a basic index-tracking mutual fund. Trust me on this.

If you have time and are willing to take on more risk, consider a small cap fund/ETF.

If you don't understand capital markets these are your best options.

>>731665592
https://www.amazon.com/Random-Walk-Down-Wall-Street/dp/0393340740

>>731670009
Several thousand at least. Maybe millions.

>>731666447
Stock trader here.

Look into VTI, it's the exact same vanguard ETF but way fucking cheaper, the charts are 100% identical.

>>731670168
dude, please stay far, far away from the stock market. You are more suited to the cotton sock market.

>>731670009
Not a lot, but more than a little, by a bunch.

>>731670271
How do you get started in this VTI? Is it as basic as signing up online and transfering funds? Do I go to a professional? Employer is family-owned has no stock options

>>731669401

> only make about $1000 a year

that's pretty good for a $20k investment tho

>>731670458
really? seems extremely low to me. would someone just be better off selling and trading used books and shit off ebay or something

>>731670583
dude you can't go by how much you're making.. you gotta go by return %

>>731665592
I used to invest in the market racket. Now I never keep more than $10,000 to my name. When I go over than that I dump the excess off anonymously at local charities that do good work.

Have nothing, want nothing. Get lean, JIT resource allocation. Make it as you need it, don't stockpile or you'll suffer its burden.

>>731670583
Not him but a 5% ROI is extremely respectable. If you can do better do it, but you would be hard fucking pressed to do so.

Or go flip logsand feathers in runecraft and leave money matters to adults.

>>731670738
5% p.a. return is pretty low tbh when compared to historical S&P gains. Even a good high-yield bond basket can do much better than that

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>>731669401
>where you invest a large amount of money and only make about $1000 a year? Like an extremely slow and low return? Or do I got it fucked up and its actually per month?

VOO stock is $220 per share
$20,000 = 90 shares
dividend is $1 per share per quarter
get $90 every three months ($360yr) 1.8%

>>731670738
but if 1,000 made from investing 20,000 is considered good, making the return % "high", how is that still not shit?

>>731670738
True. Too bad .i can't pay my morgtgage and the grocery bill with percents.

>>731665592
I have gone with Bitcoin and Monero. There are a number of reasons that I believe that this is a good long term investment, but this is certainly high risk.

>>731665592
Yeah I feel like if you're asking 4chan for financial advice you might as well blow it on drugs and hookers

>>731670862
yeah its not terrible tho

>>731670907
Yea, if you could live off 20k the economy would break real quick.

~$7mil is "dont need to work" money

>>731670866
thanks for making me understand a little better. but to me who knows shit about investing thats just so low, i might be able to gain more than $90 every month if I play blackjack and leave the table when I'm up until the next month comes around

>>731671013
>i might be able to gain more than $90 every month if I play blackjack and leave the table when I'm up until the next month comes around
no you fucking wouldn't

>>731665592
Assuming you're thinking long term:

Open an account with vanguard and put it in an index fund like the sp500 or a world fund like vtsax.

>>731670779
But everyone does it anon

>>731670984
For a higher-risk tolerance individual I'd say its pretty bad. I wouldn't even consider an S&P index high risk barring market volatility / recession and you're looking at 8-12% p.a. yield there.

>>731670779
so what happens if you become massively ill or suffer a horrible accident and can't work for years and have no money saved up

>>731670383
Go to vanguard.com and sign up. Or call them, their customer service is great.

>>731665592
Invest in Ethereum, the cryptocoin... no joke. I invested $3000 in the presale 3 years ago, and it's now worth around $900k ... it's still skyrocketing, and over 1-2 years you could turn that $20k into $100k

>>731671191
Once you put your money into this thing is it locked in there for a certain amount of time?

>>731670271
>Look into VTI, it's the exact same vanguard ETF but way fucking cheaper, the charts are 100% identical.
You're a fucking idiot. VTI is Vanguard's total market index fund, while VOO is limited to the S&P 500 (large cap stocks.). VTI outperforms VOO over long periods of time because small-caps and mid-caps tend to outperform large-caps. And the fees are 100% identical.

So yeah, VTI. But for none of the reasons this guy said.

>>731671013
plus fees involved in buying and selling the stock when you get in or get out.

Barclays bank account currently pays 1%
no fees
full amount available upon notice

>>731670998
This anon lives off 10k: >>731670779

7 million dollars? Most all of three generations will never reach even one million dollars in their lifetimes. When the results are that bleak, is it a failure of each of all those people individually to not be able to live up to your system, or is it a failure of your system to provide opportunity for your people to function within it?

>>731666736
This ...
>earlier ETH poster...

You want a lot of money? Go play ont the derivative market (options, cfd...). Do sone research before investing tho

>>731671164
Same thing that happens to you.
You die of cancer at 53.

>>731671271
No, unless you put it in some sort of retirement account like an IRA or 401k. If you jist use a brokerage account you can take it out whenever you want. Just be aware that investing is the most successful when done long term.

>>731665592
Become a trap and kill yourself.

>>731665592
Last thread it was 40K

>>731671471
but jesus christ long-term and then only getting $2000 out of it is depressing. How much are middle-class people expecting to make out of long-term investing by the time they retire? I would imagine less than someone who took the risk to open a trendy restaurant chain

>>731671391
He doesn't live off 10k, he doesn't keep more than 10k in reserves. He could be making and spending 200k a year for all we know.

>>731671442
Good way to lose a ton of money real fast

>>731671531
5 std dev of btards can't relate to having a spare 40k

>>731671080
No, everyone doesn't do it. Most people in the world have more respect for themselves than to gamble it on horses, roosters, or businesses. Not even most people in our own country do it. Just those with disproportionately excessive disposable income that can afford to risk pissing it away on volatility.

It isn't for everyone. If you don't understand that, it isn't for you.

>>731671568
So lets say you get 9% returns:
You start with 20k
1 year: 21800
5 years: 30772
10 years:47347
20 years: $112,088

Exponential growth :)

You gotta do something with it or you lose it to inflation. At the very least put it in a lower risk vanguard option, they have tools to help you pick.

Oh and dont check the balance too often :)

Posting for interest/advice. I've always been into stocks and have a good savings account $15,000+ after 3yrs. Occasionally trades stocks on OptionHouse (just acquired by ETrade I believe) and never make anything decent.

To be fair, I invest a couple hundred in small stocks usually under $20 a share. Any tips? Stocks to look at, programs to use? I'm getting out of the military soon and would like a nice fallback option before school starts in the fall.

>>731671917
Can I just start by putting in $30k, and then five years later it's at 47347?

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>>731670866
>get $90 every three months ($360yr) 1.8%

earn 1.8%
CPI 2.4%
lose money more slowly...

No idea what it's like in the US but investing in property is what I do here in the UK.
Get decent 6-7% return a year and then when you sell you get a whack of money as well.

>>731671797
>gamble it on horses, roosters, or businesses
In general businesses generate a profit, so its not fair to compare that to gambling. Day trading, maybe, but put it in an index fund and forget about it for 10 years is totally different.

>>731671942
Buy penny stocks anon.

>>731672001
Yes

why are you turds recommending mutual funds?mutual funds historically underperform unmanaged funds. look at a robo-advisor like betterment, which will automatically diversify your investments across unmanaged ETFs for a minor fee.

>>731671917
Your return at the 20 year mark compared to Year 1 is indeed impressive BUT once again, it took you 20 years to make $100,000.

The reason why this fucks with me is because I know someone who started opening restaurants like mad taking advantage of foody trends and shit. While someone puts $20,000 and waits 20 years to get what he gets probably in a month.

>>731672050
I have. So I'm guessing you buy and sell quick? I can't imagine hanging onto Penny stocks longer than a day. I bought like 100 DRYS 2 months ago and made over $100, but never sold it back because I felt good about it and lost it all.

>>731671391

you're a moron of the highest degree. that guy isn't living off 10k, that's just how much he keeps at a time.

>>731671942
Buy index funds. Dont trade individual stocks, you're almost guaranteed to get worse returns than the s&p 500.

>>731672098
Betterment is a scam, just buy vti or vtsmx/vtsax

>>731665592
Find a stock that pays a decent dividend and go all in. Look at 5 year charts not 1-6 month.

anon...this post can change your life. do some research on cryptocurrencies such as bitcoin, ethereum, and monero. these are highly volatile currencies but i have made 400%+ on bitcoin in the past few years

>>731672102
Nearly all restaurants fail within the first 18 mo's and the proprieters lose their life's savings, and professional reputations moving forward.

Thats where the loss offset comes in.

>>731672102
Yes, if you can start a successful business you can beat the market. But if you have extra cash floating around it s wise to invest it to avoid losing it to inflation.

If youre interested in economics, 'naked economics' is a good read.

>>731672341
I would imagine he would have already sold his portion/stake by that time and made off with a bunch of money. And also spent a bunch of money diversifying into other businesses

>>731672312
Ditto.

>>731665592
The best way to spend your money is to save it.

>>731671531
Trying to see if people have different investment strategies for different amounts.

>>731672395
sound advice, invest because your money is just sitting there anyways not necessarily because youre trying to get rich

>>731672272
AT&T (T) is a decent choice, reliable 5% dividend. But I prefer index funds like vtsmx, especially for longer term.

>>731672485
It's not hard dude, find stocks you like and go for it. Mutual funds and bitcoin are dumb as fuck long term.

>>731672248
What if I'm approaching retirement and want income? What if I want bonds and real estate in my portfolio?

>>731672537
Exactly.

>>731672618
this is moronic.
bitcoin, ethereum, ripple, monero... those things are the currency of the future.

i've made nearly $1m on them w/ little to no strategic effort, just based on rampant explosive growth. Just google ETH prices in the past 9 months.

>>731666447
checked

>>731672312
Would you mind elaborating on what you do with bitcoin? I've done minor research and saw something about making a site that only accepts bitcoin or something.

>>731672557
Anything with the word "fund" is for lazy fucks with millions to invest. AT&T has a decent dividend but they are dumb fucks with shit customer service and their company will fall.

>>731672715
no, man... you just buy it.
and other cryptocurrency (ETH, XRP, XEM, SC, etc...) they're skyrocketing in value, and long-term will be huge value.

>>731672651
If you're approaching retirement the classic advice is to go with lower risk options. You won't get as high returns, but you also wont lose as much when the market drops.

I dont know to much about investing closer to retirement, but I do know that vanguard has some tools to help you select investments based on when you're retiring. Might be worth a look.

>>731672695
>president still decided by an archaic two party system
>thinks these meme currencies will have any importance in the future

>>731665592

scatch n wins

god help you if you take advice on what to do with 20 grand from retards on the internet

>>731672788
Ok. You just buy it and hang onto it and the value increases over time? Then you sell after a year or so?

A market crash happens about every 8-10 years. 2008 was the last. Personally speaking, wait a year or two for the crash and buy property. Use air bnb to rent them out. Never would've guessed it would be good for me until my friends son worked for them and had me list my vacation house in lake havasu. I had a20 year mortgage (started 4 years ago, airbnb started year and a half ago) and if this keeps up I'll be able to pay it off by this year.

>>731672719
>Anything with the word "fund" is for lazy fucks with millions to invest.
Also its for smart investors since no one consistently beats the SP500. Read 'A random walk down wall street'

>AT&T has a decent dividend but they are dumb fucks with shit customer service and their company will fall.
Att is stable as shit and their infrastructure will be relavant for decades to come. Building out all that is extremely difficult as google is discovering.

>>731668760
lol that book sucks dude

Online currencies that are decentralized and are not backed by any government. They are self sustaining and they are a revolutionary technology. There are many talks on youtube about them, please check them out. Bitcoin is the most widely used and traded.

>>731672973
Yeah unless it crashes then you hold on to it for longer or you get out and eat the loss.

>>731672973
Just stop, these are under 18 kids promoting e currencies, do you know anyone that uses this trash?

>>731673119
>>731672973

cryptocurrency is for idiots

>>731673059
"smart investors" wrong it's for dumb fucks that can't buy stocks so they pay someone to invest in a safe bet with a large amount of money.

>>731673048
Should mention it would still take another couple years to pay off if i strictly used the sure bnb money, but I'm using the debt avalanche method to pay everything down.

>>731673126
I'm 23 dude, I trade stocks, just seeing what else is out there.

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>>731672719
>AT&T has a decent dividend but they are dumb fucks with shit customer service and their company will fall.

1876 - present

will fail any day now

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>>731673126
Had my ups and downs. Made a few grand, could have made more if I got in sooner. Paid for my living room furniture and PC hardware with BTC.

Honestly out of stocks, BTC, and cannabis, cannabis has been my favorite investment. Like all investments, it's not for everyone. I'd really like to buy a second property and get into real estate.

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>>731673359
>invest in company for 5+ years
>stock barely moves
https://www.youtube.com/watch?v=7T_LT8-uuX4

>>731673211
elaborate dumbfuck

>>731673651
I used to swing trade GE. Buy low, sell high. Easy money when you have low or no fee.

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Im just starting out in the world of finance and trading, I've read Rich Dad, Poor Dad and all of the Investopedia 101.
What's the next step?
Where can I learn how the markets work?
Is there any major that helps with this kind of things?

>>731673651
>>stock barely moves
that's not the same as
>>731672719
>their company will fall.
the company is still there

>>731673211

>can't see the future
>can't understand America's crippling and unpayable debt

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>>731673961
I'm predicting the future. AT&T is ran by retards right now. Shit's about to drop.

>>731674146
>I'm predicting the future.
buy lottery tickets

>>731674285
Just sell your dads AT&T stock and buy into a produce stock. Trust me.

>>731671531
I have 80k but I don't want to tie it all up in investments

If you aren't investing in Pizza stocks, you're fucking stupid. When marijuana is legalized in Canada and further in the US. Their stocks have already begun to rise on the few states that have legalized already. You are all shit at predicting anything; you're welcome.

>>731665592
Are you the anon that posted a salary/savings thread earlier, whom i bashed for having 20k in savings but no stocks?

If so, i have a second advice for you: Diversify as much as you can. Big stock like apple, visa, master card, banks, etc provide a nice 3% average yearly increase. Put half you money in those.

But 3% is not good enough, put the remaining in higher risk stock, like emerging pharma or tech firms. You will lose money on most of them, but if one hits jackpot (fda approval, patents, commercial success) you'll be pretty happy

>>731674467
I sold my AT&T stock in the 80's
I am the dad.

>>731674888
No, I'm not

>>731671272
The way you took that typo and got so aggressive makes me think you don't even trade at all, you're too emotional. I meant to say it performs the same, which is why the charts are so identical. When you can take a $1500 portfolio and turn it into 3 million in 4.3 years, let me know.

>>731665592
just make an individual broker account on interactive broker or scottrade or any online broker that has shares available to buy of VTI and purchase them. You can file losses easily on your 1099 when you do your taxes if you lose anything just find a jewy accountant if you don't understand stuff.

Micro cap securities. Wouldn't waste my time on anything less volitile.

>>731676646
It wasn't a typo, LARPer. You were wrong about the performance (VTI outperforms VOO), and you were wrong about the fees (they are the same).

And we're talking about indexes here, faggot. Only retarded children trade indexes. It's a buy and hold product.

>>731672699
checked what, there were no dubs in >731666447

Also checked.