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

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  • aaron
    Confirmed User
    • Mar 2003
    • 4452
    #1

    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.

    Tags: None
    • RightHandMan
      Confirmed User
      • Jul 2003
      • 1694
      #2
      How can you be contacted? ICQ # or e-mail???

        Comment

        • aaron
          Confirmed User
          • Mar 2003
          • 4452
          #3
          My ICQ is 293644144

            Comment

            • aaron
              Confirmed User
              • Mar 2003
              • 4452
              #4
              bump

                Comment

                • wdsguy
                  Ryde or Die
                  • Dec 2002
                  • 19568
                  #5
                  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.

                    Comment

                    • aaron
                      Confirmed User
                      • Mar 2003
                      • 4452
                      #6
                      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!

                        Comment

                        • Relish XXX
                          Confirmed User
                          • Dec 2004
                          • 4904
                          #7
                          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!

                            Comment

                            • BoNgHiTtA
                              Confirmed User
                              • May 2003
                              • 2176
                              #8
                              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:

                                Comment

                                • aaron
                                  Confirmed User
                                  • Mar 2003
                                  • 4452
                                  #9
                                  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?

                                    Comment

                                    • Head
                                      Confirmed User
                                      • Nov 2003
                                      • 8278
                                      #10
                                      Real Estate. That's what I do and I have a great deal of knowledge about this.
                                      ICQ 146197462

                                        Comment

                                        • wdsguy
                                          Ryde or Die
                                          • Dec 2002
                                          • 19568
                                          #11
                                          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.

                                            Comment

                                            • BoNgHiTtA
                                              Confirmed User
                                              • May 2003
                                              • 2176
                                              #12
                                              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.

                                              Wanna see how Adult Site Traffic Scammed me? Click Here:

                                                Comment

                                                • BoNgHiTtA
                                                  Confirmed User
                                                  • May 2003
                                                  • 2176
                                                  #13
                                                  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.

                                                  Wanna see how Adult Site Traffic Scammed me? Click Here:

                                                    Comment

                                                    • Webby
                                                      Too lazy to set a custom title
                                                      • Oct 2002
                                                      • 14956
                                                      #14
                                                      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.
                                                      XXX TLD's - Another mosquito to swat.

                                                        Comment

                                                        • warlock5
                                                          Confirmed User
                                                          • Jan 2004
                                                          • 2808
                                                          #15
                                                          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.

                                                            Comment

                                                            • aaron
                                                              Confirmed User
                                                              • Mar 2003
                                                              • 4452
                                                              #16
                                                              thanks everyone

                                                                Comment

                                                                • aaron
                                                                  Confirmed User
                                                                  • Mar 2003
                                                                  • 4452
                                                                  #17
                                                                  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?

                                                                    Comment

                                                                    • $5 submissions
                                                                      I help you SUCCEED
                                                                      • Nov 2003
                                                                      • 32189
                                                                      #18
                                                                      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.

                                                                        Comment

                                                                        • aaron
                                                                          Confirmed User
                                                                          • Mar 2003
                                                                          • 4452
                                                                          #19
                                                                          anyone know where i can find a list or directory of various companies like vanguard.com , rusell.com etc?

                                                                            Comment

                                                                            • quant
                                                                              Registered User
                                                                              • Mar 2005
                                                                              • 53
                                                                              #20
                                                                              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

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