Colli Real Estate

What to do with my $$$$?

Here is my situation in a nutshell. I've worked every job in the world ugly, I'm in college and managed to save money, which is in the bank account at a rate of 4.5% measely. Inflation continues to bite it. * Bite! Bite! * I am very shy, but realize I should invest my money. I do not want to invest in real estate for obvious reasons. What do you do? 1) invest in bonds at 5%, 2) keep my money in CDs@4.5%, 3) the purchase of an overpriced house, or 4) take my chances and risks in the stock market?

Investment advice standard is that you should invest in a diversified stocks, bonds and money market funds. Since it is likely, I suspect you do not want to put a small amount of stock. Want to buy a diversified portfolio of stocks as individual stocks are too risky. Unless you know what you do, it is best to buy mutual funds. I like Vanguard.com, other people like Fidelity, TIAA-CREF, and DFA. Buy no-load, low cost funds.You probably going to invest a small portion of your money aggressively in the funds shares, and is prudent in money market funds and bond funds. Vanguard.com has an online questionnaire to get an idea of how to "Assigning Assets "to determine how much to put in each type of fund. If your company offers a 401K plan at work, try to invest as much as possible. The money grows tax free, and some companies match your contribution. Investing in an IRA mutual fund is also a good idea. If you have children, you may want to consider a 529 plan or curriculum of other economies that grows tax free. I like index funds. Because of their broad diversification, is less can have a dramatic drop in value. They also have the lowest prices. For equity funds, I suggest putting ~ 70-80% of your money Vanguard Total Stock Market Index Fund. and ~ 20-30% in foreign funds in the market indexes. However, there are many different opinions about what the best mutual funds there are. Lee the links below and form your own opinion. If you have a high-interest debt such as credit cards, it is better to pay that off before trying most of ideas over the investment. You should also have 3-6 months of salary saved as an emergency fund in a bank or a money market fund before trying investments riskier. Believing advice you get on Yahoo answers can be risky, so read these websites for more information. If it is too confusing, contact a professional financial adviser. They will charge you significant commissions, however. Sources: http://www.vanguard.com/VGApp/hnw/planningeducation http://www.fool.com/school.htm http://sec.gov/investor/pubs/assetallocation.htm http://finance.yahoo.com/funds/basics http://www.diehards.org/readsites.htm http://finance.yahoo.com / education / begin_investing Asset Allocation Calculators (Determining how much to put in stocks and bonds and money markets is a personal decision, depending on your situation financial. Asset Allocation These questionnaires give you an idea how. I like Vanguard best, but try some other sites too.) Https: / / flagship.vanguard.com / VGApp / HNW / FundsInvQuestionnaire? CbdInitTransUrl = https% 3A / / flagship.vanguard.com / VGApp / HNW / planningeducation / Education https: / / ais2.tiaa-cref.org/cgi-bin/WebObjects.exe/DTAssetAlcEval http://www.ifa.com/SurveyNET/index.aspx Web Forum: http://www.diehards.org/ (various investment web forums are overrun by scam artists. Looks like the website the most legitimate.) 529 Plans: http://www.savingforcollege.com

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