Low Risk & Long Term Investing Thread. (help me!) - GoFuckYourself.com

aaron · 03-29-2005, 11:08 PM

so ive been looking at Vanguard.com, anyone use them? im looking for very low risk longer term investing - a starting lump sum being needed is ok, but im looking for things i can put a little more money in to each month.. looking for a little bit more than your normal roth/ira and savings accounts, i want my money to be working for me at least a little bit...

i have also looked at sharebuilder.com but i don't want to have to worry about picking stocks or anything, if im gonna research and pick stocks i might as well have my own account with a broker (and i do plan to have one eventually)

Any experience or advice you can share is greatly appreciated.

RightHandMan · 03-29-2005, 11:31 PM

How can you be contacted? ICQ # or e-mail???

aaron · 03-29-2005, 11:32 PM

My ICQ is 293644144

aaron · 03-30-2005, 12:00 PM

bump

wdsguy · 03-30-2005, 12:01 PM

Put it into index funds if you want a low risk investment with a long term horizon. I think vanguard has one that tracks the s&p 500.

aaron · 03-30-2005, 12:02 PM

Quote:

Originally Posted by wdsguy

Put it into index funds if you want a low risk investment with a long term horizon. I think vanguard has one that tracks the s&p 500.

exactly what i think i am going to end up deciding on!

Relish XXX · 03-30-2005, 12:02 PM

Property is pretty much low risk and long term. You can always be safe with bricks and mortar unless you are buying in Florida during the hurricane season!

BoNgHiTtA · 03-30-2005, 12:14 PM

Yeah, index fund is good. Or you can go with a money market fund for super low risk. But it wont appreicate much

aaron · 03-30-2005, 12:18 PM

Quote:

Originally Posted by BoNgHiTtA

Yeah, index fund is good. Or you can go with a money market fund for super low risk. But it wont appreicate much

does a money market fund make more than interest on a savings account?

Head · 03-30-2005, 01:36 PM

Real Estate. That's what I do and I have a great deal of knowledge about this.
ICQ 146197462

wdsguy · 03-30-2005, 01:38 PM

Quote:

Originally Posted by aaron

does a money market fund make more than interest on a savings account?

yea but its still not much if you account for inflation.

Also check out some REITS and emerging markets mutual funds.

BoNgHiTtA · 03-30-2005, 01:39 PM

Quote:

Originally Posted by aaron

does a money market fund make more than interest on a savings account?

Yes, usually about a % point. money market funds use short term CD's and bonds to get a bit higher rate.

BoNgHiTtA · 03-30-2005, 01:41 PM

Quote:

Originally Posted by wdsguy

yea but its still not much if you account for inflation.

Also check out some REITS and emerging markets mutual funds.

I am in the Frank Russel emerging market fund currently. Good fund, there a bit overweight in china, which is the right choice right now.

I also know the portfolio manager on this fund personally, and Jim is a great guy.

However, this is a higher risk investment, not what I would consider low risk, or even medium risk.

Webby · 03-30-2005, 04:25 PM

Quote:

Originally Posted by Relish XXX

Property is pretty much low risk and long term. You can always be safe with bricks and mortar unless you are buying in Florida during the hurricane season!

Beats all other stuff hands down.

warlock5 · 03-30-2005, 04:30 PM

Historically the stock market beats real estate in the long term. You are talking about long term, then you definately want an index fund. I'd actually put half in an index fund and then put the other half in some other investment. Maybe 25% and 25%. Bonds or something like that. And yes, real estate would be an option here.

aaron · 03-30-2005, 04:59 PM

thanks everyone

aaron · 03-30-2005, 06:10 PM

so on mutual funds let me get something straight -- you can either purchase them through a broker or you can actually put your money in with the company? it seems it would be best to have the investment with the actual company managing the money right? why would i wasn to buy mutual funds through a broker?

$5 submissions · 03-30-2005, 06:13 PM

Quote:

Originally Posted by Relish XXX

Property is pretty much low risk and long term. You can always be safe with bricks and mortar unless you are buying in Florida during the hurricane season!

True. But higher capital outlay.

aaron · 03-30-2005, 06:33 PM

anyone know where i can find a list or directory of various companies like vanguard.com , rusell.com etc?

quant · 03-30-2005, 06:41 PM

Quote:

so on mutual funds let me get something straight -- you can either purchase them through a broker or you can actually put your money in with the company?

Correct, there is no need for a broker unless they are psychic. However, some funds have load fees (commissions), etc. Vanguard Funds is your best bet, for low cost and a variety of choices.

Here's a list of load funds verse no-load funds:
http://www.fundadvice.com/explode.html

Here's a list of the Vanguard Funds showing performance:
http://flagship5.vanguard.com/VGApp/hnw/FundsByName

03-29-2005, 11:08 PM	#1
aaron Confirmed User Industry Role: Join Date: Mar 2003 Location: USA Posts: 4,452	Low Risk & Long Term Investing Thread. (help me!) so ive been looking at Vanguard.com, anyone use them? im looking for very low risk longer term investing - a starting lump sum being needed is ok, but im looking for things i can put a little more money in to each month.. looking for a little bit more than your normal roth/ira and savings accounts, i want my money to be working for me at least a little bit... i have also looked at sharebuilder.com but i don't want to have to worry about picking stocks or anything, if im gonna research and pick stocks i might as well have my own account with a broker (and i do plan to have one eventually) Any experience or advice you can share is greatly appreciated.

03-29-2005, 11:31 PM	#2
RightHandMan Confirmed User Join Date: Jul 2003 Location: Ohio Posts: 1,694	How can you be contacted? ICQ # or e-mail??? __________________

03-30-2005, 12:02 PM	#7
Relish XXX Confirmed User Join Date: Dec 2004 Location: www.adultlabel.com Posts: 4,904	Property is pretty much low risk and long term. You can always be safe with bricks and mortar unless you are buying in Florida during the hurricane season! __________________

03-30-2005, 12:14 PM	#8
BoNgHiTtA Confirmed User Join Date: May 2003 Location: Seattle Posts: 2,176	Yeah, index fund is good. Or you can go with a money market fund for super low risk. But it wont appreicate much __________________ Wanna see how Adult Site Traffic Scammed me? Click Here:

03-30-2005, 01:36 PM	#10
Head Confirmed User Join Date: Nov 2003 Location: Starship Enterprise Posts: 8,278	Real Estate. That's what I do and I have a great deal of knowledge about this. ICQ 146197462 __________________

03-29-2005, 11:32 PM	#3
aaron Confirmed User Industry Role: Join Date: Mar 2003 Location: USA Posts: 4,452	My ICQ is 293644144

03-30-2005, 12:00 PM	#4
aaron Confirmed User Industry Role: Join Date: Mar 2003 Location: USA Posts: 4,452	bump

03-30-2005, 12:01 PM	#5
wdsguy Ryde or Die Industry Role: Join Date: Dec 2002 Location: California-Shanghai Posts: 19,568	Put it into index funds if you want a low risk investment with a long term horizon. I think vanguard has one that tracks the s&p 500.

03-30-2005, 04:30 PM	#15
warlock5 Confirmed User Join Date: Jan 2004 Location: Uranus Posts: 2,808	Historically the stock market beats real estate in the long term. You are talking about long term, then you definately want an index fund. I'd actually put half in an index fund and then put the other half in some other investment. Maybe 25% and 25%. Bonds or something like that. And yes, real estate would be an option here.

03-30-2005, 04:59 PM	#16
aaron Confirmed User Industry Role: Join Date: Mar 2003 Location: USA Posts: 4,452	thanks everyone

03-30-2005, 06:10 PM	#17
aaron Confirmed User Industry Role: Join Date: Mar 2003 Location: USA Posts: 4,452	so on mutual funds let me get something straight -- you can either purchase them through a broker or you can actually put your money in with the company? it seems it would be best to have the investment with the actual company managing the money right? why would i wasn to buy mutual funds through a broker?

03-30-2005, 06:33 PM	#19
aaron Confirmed User Industry Role: Join Date: Mar 2003 Location: USA Posts: 4,452	anyone know where i can find a list or directory of various companies like vanguard.com , rusell.com etc?