How would you invest $20K?
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Say you had $20,000 USD in the bank that you wanted to invest, hopefully to generate a nice return (30% or more) within a year or two, and you were willing to take some risk, how would you invest it? Would you change your strategy if instead of $20,000 it was $50,000 or 100,000? Thanks, Alvaro
Give a man a fish, he owes you one fish. Teach a man to fish, you give up your monopoly on fisheries.
Alvaro Mendez wrote: Say you had $20,000 USD in the bank that you wanted to invest, hopefully to generate a nice return (30% or more) within a year or two, and you were willing to take some risk, how would you invest it? In my company. :-D Alvaro Mendez wrote: Would you change your strategy if instead of $20,000 it was $50,000 or 100,000? Sure. But still would invest in my company. :-D Yes, even I am blogging now!
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Say you had $20,000 USD in the bank that you wanted to invest, hopefully to generate a nice return (30% or more) within a year or two, and you were willing to take some risk, how would you invest it? Would you change your strategy if instead of $20,000 it was $50,000 or 100,000? Thanks, Alvaro
Give a man a fish, he owes you one fish. Teach a man to fish, you give up your monopoly on fisheries.
I'd buy land in my area. I live on 5 acres, on one side are houses, on the other is a 500 acre farm. A lot of subdivision is going on, but some farm blocks are still available. I want to buy 12 acres and sit on it for a few years. Christian I have drunk the cool-aid and found it wan and bitter. - Chris Maunder
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Say you had $20,000 USD in the bank that you wanted to invest, hopefully to generate a nice return (30% or more) within a year or two, and you were willing to take some risk, how would you invest it? Would you change your strategy if instead of $20,000 it was $50,000 or 100,000? Thanks, Alvaro
Give a man a fish, he owes you one fish. Teach a man to fish, you give up your monopoly on fisheries.
Start running drugs. Just don't snort away the profits.
Jon Sagara You're a cross between a retarded person and a very smart man. -- My wife :-D
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I'd buy land in my area. I live on 5 acres, on one side are houses, on the other is a 500 acre farm. A lot of subdivision is going on, but some farm blocks are still available. I want to buy 12 acres and sit on it for a few years. Christian I have drunk the cool-aid and found it wan and bitter. - Chris Maunder
How much is an acre in m2 (square meters)? (if you know it) - Anders Money talks, but all mine ever says is "Goodbye!" ShotKeeper, my Photo Album / Organizer Application[^]
My Photos[^] New developersite: RealDevs.Net -
How much is an acre in m2 (square meters)? (if you know it) - Anders Money talks, but all mine ever says is "Goodbye!" ShotKeeper, my Photo Album / Organizer Application[^]
My Photos[^] New developersite: RealDevs.NetAccording to google, one acre is 4046.8564224 squ metres Christian I have drunk the cool-aid and found it wan and bitter. - Chris Maunder
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According to google, one acre is 4046.8564224 squ metres Christian I have drunk the cool-aid and found it wan and bitter. - Chris Maunder
20230m2, thats a lot for a single house :) - Anders Money talks, but all mine ever says is "Goodbye!" ShotKeeper, my Photo Album / Organizer Application[^]
My Photos[^] New developersite: RealDevs.Net -
20230m2, thats a lot for a single house :) - Anders Money talks, but all mine ever says is "Goodbye!" ShotKeeper, my Photo Album / Organizer Application[^]
My Photos[^] New developersite: RealDevs.NetWell, plainly the house is not that big..... We have a big veggie garden, a small orchard, paddocks for the sheep and a good size area for the chooks. Christian I have drunk the cool-aid and found it wan and bitter. - Chris Maunder
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Well, plainly the house is not that big..... We have a big veggie garden, a small orchard, paddocks for the sheep and a good size area for the chooks. Christian I have drunk the cool-aid and found it wan and bitter. - Chris Maunder
I guessed it was not the size of the house ;) But it's nice to have some land, that makes it possible to have all the things you have there... - Anders Money talks, but all mine ever says is "Goodbye!" ShotKeeper, my Photo Album / Organizer Application[^]
My Photos[^] New developersite: RealDevs.Net -
I guessed it was not the size of the house ;) But it's nice to have some land, that makes it possible to have all the things you have there... - Anders Money talks, but all mine ever says is "Goodbye!" ShotKeeper, my Photo Album / Organizer Application[^]
My Photos[^] New developersite: RealDevs.NetAnders Molin wrote: I guessed it was not the size of the house *grin* I thought initially that I'd worded myself badly and implied that was the house size, and that you were calling me on it. Yeah, we love it, having space around us is just brilliant, as is growing our own food. Christian I have drunk the cool-aid and found it wan and bitter. - Chris Maunder
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Say you had $20,000 USD in the bank that you wanted to invest, hopefully to generate a nice return (30% or more) within a year or two, and you were willing to take some risk, how would you invest it? Would you change your strategy if instead of $20,000 it was $50,000 or 100,000? Thanks, Alvaro
Give a man a fish, he owes you one fish. Teach a man to fish, you give up your monopoly on fisheries.
I think 30% is an unrealistic expectation. There is no asset class that has returned over 30% over the past 100 years. If you want to actively manage your money, there are many ways to attempt to achieve that return, but it's just as easy to go broke (options, futures, currencies, commodities, etc). If there was an easy answer, nobody would be asking this question and we'd all be doing it. However, one thing you might consider is diversifying among asset classes. This is simple for an individual to do with the existence of ETFs. It also reduces volatility and draw down. If its done right, you can typically beat the street and most fund managers, but a sustained 30% over any length of time just won't happen. The Intelligent Asset Allocator is a good book to start with: Intelligent Asset Allocator Also, here's a simplistic article on asset diversification using ETFs An ETF strategy that's beating the market Best of luck to you! Custom Software, Custom Solutions. Yye Software. http://www.yyesoftware.com
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I think 30% is an unrealistic expectation. There is no asset class that has returned over 30% over the past 100 years. If you want to actively manage your money, there are many ways to attempt to achieve that return, but it's just as easy to go broke (options, futures, currencies, commodities, etc). If there was an easy answer, nobody would be asking this question and we'd all be doing it. However, one thing you might consider is diversifying among asset classes. This is simple for an individual to do with the existence of ETFs. It also reduces volatility and draw down. If its done right, you can typically beat the street and most fund managers, but a sustained 30% over any length of time just won't happen. The Intelligent Asset Allocator is a good book to start with: Intelligent Asset Allocator Also, here's a simplistic article on asset diversification using ETFs An ETF strategy that's beating the market Best of luck to you! Custom Software, Custom Solutions. Yye Software. http://www.yyesoftware.com
Actually there is, but you have to break a few arms and legs for non-payment (loan-sharking) :-D Steve
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Start running drugs. Just don't snort away the profits.
Jon Sagara You're a cross between a retarded person and a very smart man. -- My wife :-D
My ArticlesNot getting caught should be high on your list too. ;) - Nick Parker
My Blog | My Articles -
Not getting caught should be high on your list too. ;) - Nick Parker
My Blog | My ArticlesBah. Details. :)
Jon Sagara You're a cross between a retarded person and a very smart man. -- My wife :-D
My Articles -
Say you had $20,000 USD in the bank that you wanted to invest, hopefully to generate a nice return (30% or more) within a year or two, and you were willing to take some risk, how would you invest it? Would you change your strategy if instead of $20,000 it was $50,000 or 100,000? Thanks, Alvaro
Give a man a fish, he owes you one fish. Teach a man to fish, you give up your monopoly on fisheries.
First off, I'd pay off any loans I had, especially high-interest loans. Fortunalely I don't carry a credit card balance, but paying off other loans (student loan, etc.) you at least get a guaranteed return rate - the rate of the loan. If you have a 17% credit card rate, for instance, paying that off effectively gives you a 17% return. Other than that, stocks give you the highest returns, but only if your timeframe is long enough. Stocks aren't the right way to go if you're going to need the money soon (say, within 10 years.) But over the long haul, for instance if you want to save up for retirement 30 years in the future, then stocks are the way to go. For short-term, paying off high-interest loans, money-markey funds, and possibly bonds would be a good way to invest. If you wanta 30% return over the next two years, I suggest going here[^]. "Fish and guests stink in three days." - Benjamin Franlkin
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Say you had $20,000 USD in the bank that you wanted to invest, hopefully to generate a nice return (30% or more) within a year or two, and you were willing to take some risk, how would you invest it? Would you change your strategy if instead of $20,000 it was $50,000 or 100,000? Thanks, Alvaro
Give a man a fish, he owes you one fish. Teach a man to fish, you give up your monopoly on fisheries.
Silver seems incredibly affordable at the moment. So either buy silver, or use the 20,000 to leverage a large silver purchase. Regardz Colin J Davies
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**The minion's version of "Catch :bob: "It's a real shame that people as stupid as you can work out how to use a computer. said by Christian Graus in the Soapbox
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Say you had $20,000 USD in the bank that you wanted to invest, hopefully to generate a nice return (30% or more) within a year or two, and you were willing to take some risk, how would you invest it? Would you change your strategy if instead of $20,000 it was $50,000 or 100,000? Thanks, Alvaro
Give a man a fish, he owes you one fish. Teach a man to fish, you give up your monopoly on fisheries.
personally, i'd go see my financial advisor and let them do it (www.invest.co.nz) if you're making 10 % return a year you're doign well :) I'm a big believer in letting professionals do their business...if i have a tooth issue i see a dentist, I dont try and fix it myself If i my car has an engine problem, i take it to the mechanic - i don't know enough about cars to risk delving inside (my dad and brother do however) You get the picture...so if i want to invest dosh (and i do) i let the bloke who knows what hes doing deal with it...coz hes less likely to stuff it up and i dont have the time (or enery) to run around researching everything. :) cheers bryce --- Publitor, making Pubmed easy. http://www.sohocode.com/publitor
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Actually there is, but you have to break a few arms and legs for non-payment (loan-sharking) :-D Steve
Steve Mayfield wrote: you have to break a few arms and legs for non-payment (loan-sharking) Sounds like fun! :-D :rolleyes:
Ryan
"Punctuality is only a virtue for those who aren't smart enough to think of good excuses for being late" John Nichol "Point Of Impact"
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Not getting caught should be high on your list too. ;) - Nick Parker
My Blog | My ArticlesHow about not getting killed?
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Say you had $20,000 USD in the bank that you wanted to invest, hopefully to generate a nice return (30% or more) within a year or two, and you were willing to take some risk, how would you invest it? Would you change your strategy if instead of $20,000 it was $50,000 or 100,000? Thanks, Alvaro
Give a man a fish, he owes you one fish. Teach a man to fish, you give up your monopoly on fisheries.
With the amount of interesting business proposals I get in the mail each day, It wouldn't be difficult.
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Say you had $20,000 USD in the bank that you wanted to invest, hopefully to generate a nice return (30% or more) within a year or two, and you were willing to take some risk, how would you invest it? Would you change your strategy if instead of $20,000 it was $50,000 or 100,000? Thanks, Alvaro
Give a man a fish, he owes you one fish. Teach a man to fish, you give up your monopoly on fisheries.
Within a year or two? No way to guarantee 30%, but a solid gain is *usually* manageable within the stock market. Of course, the problem with the stock market is that the shorter your timespan, the higher the risk... and it's a function polynomial with respect to 1/x, so it gets worse faster the shorter it gets. There are two principles to the stock market - one for survival, the other for doing well. First - remember that you're taking on risk. Putting money in the market means you're willing to lose some. Don't buy or sell a stock without good reasons. Also, never forget that good reasons can include stability as easily as growth potential. Second - work with what you know. Do you know the technology business (not just technology, but the business side) well? Which segments? Those are where you invest... most of the market (including non-specialized financial managers) does NOT have as much knowledge as you do, IF you know it well. I know I said there wouldn't be a third, but it bears repeating - DO NOT INVEST WHAT YOU ARE NOT WILLING TO LOSE. It seems obvious, but many people forget this. There is no such thing as a guaranteed return, short of savings accounts, and even those aren't perfect (although 99.999% likelihood of return probably isn't that far-off an estimate). Risk and return... if you can find a case where they deviate from linear relationships in the right direction, more power to you, but I'm not sure they exist.