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tical

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What should I invest in with my IRA?

04-13-2011, 08:37 PM

Totally green when it comes to investing... I've got a SEP IRA with about 40k in it that I want to start earning for me.

What would you guys buy?

Is it safe to work with someone from a brokerage like Schwab or would they likely try to get me to invest in what is best for them?

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#2

04-13-2011, 09:00 PM

$SLV & $DIG into the summer...then buy commodity ETF's...IMO of course.

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#3

04-13-2011, 09:02 PM

You shouldn't... you should invest all money in chinese solar stock (ticker: yge) because it has about 1 zillion more potential then anything you've been told in past
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#4

04-13-2011, 09:43 PM

SILVER is trading just under $39 an ounce currently, and by conservative models is expected to hit $150 per ounce before the year's out (385% ROI) ... and not-so-conservative forecasts say it could hit $250 an ounce!

I've been buying silver for the past couple months now ..

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#5

04-13-2011, 09:44 PM

Originally posted by tical

Totally green when it comes to investing... I've got a SEP IRA with about 40k in it that I want to start earning for me.

What would you guys buy?

Is it safe to work with someone from a brokerage like Schwab or would they likely try to get me to invest in what is best for them?

don't ask GFY you going to get shit like "gold!!!" or one or two specific stocks. What is it invested in now? It's not sitting there as cash.

What is your risk tolerance? Do you want to gamble or play it safe? do you want to try to get 8-10% return with risk of losing principle or something safe with little to no risk but smaller returns. You first need to find out what YOU are looking for before you can decided what you should do. Find someone local that does financial planning and sit down with them... The commission on a 40K IRA is next to nothing, any reputable company is going to steer you right, for that matter any one licensed is going to do you right. They will educate you, you make the final decisions. If they fuck you, they can lose their license, they not going to do that over for several thousand dollar commission, much less a couple hundred dollar one.

Coming to GFY...

Last edited by will76; 04-13-2011, 09:48 PM.

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#6

04-14-2011, 12:00 AM

you idiots who say buy silver and gold need to stfu... why the fuck would you buy silver now at something like 30year high ? can it go up? sure, but money put somewhere else would earn you ALOT more... do not ask for investment advice on gfy
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#7

04-14-2011, 01:25 AM

EEM. And write covered calls on it.
http://www.investopedia.com/articles...ase-income.asp

And, yeah, if you do anything with GLD, I suggest LEAP puts
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#8

04-14-2011, 01:45 AM

Russian real estate.

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#9

04-14-2011, 04:30 AM

Maybe, put 80% into a managed fund and then speculate with the other 20%. The money is intended for your retirement make sure most of it is still there when you retire.

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#10

04-14-2011, 04:40 AM

I put mine into lifecycle funds with various retirement target dates. I used those calculators to establish what percentage to put in each retirement target date.

I don't know enough about that stuff or have the time to sit down and actually try to "play the market."

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#11

04-14-2011, 05:27 AM

If you have no idea what you are doing, something like this would be a good starting point:
http://us.ishares.com/product_info/f...erview/TZO.htm

though I would buy the same index funds myself and save myself 0.25% per year... and perhaps buy vanguard equivalents of these fund, they often have lower fees too...

BUT if you are not very familiar with the whole terminology, don't have time, interest, etc to deal with it, just buy TZO and don't worry about it too much, if you go to Charles Schwab or some other full service broker, they will trick you into some funds with 2% annual fee...

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04-14-2011, 05:30 AM

Here is vanguard's version:
https://personal.vanguard.com/us/fun...RetirementList

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#13

04-14-2011, 05:35 AM

Originally posted by woj

Here is vanguard's version:
https://personal.vanguard.com/us/fun...RetirementList

This is what I use. They have a calculator to help you determine your risk tolerance, which helps you decide how much you should put into each year.

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#14

04-14-2011, 06:50 AM

NOOF!

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04-14-2011, 06:52 AM

Have you looked into Llamas ?

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#16

04-14-2011, 07:10 AM

Originally posted by woj

If you have no idea what you are doing, something like this would be a good starting point:
http://us.ishares.com/product_info/f...erview/TZO.htm

though I would buy the same index funds myself and save myself 0.25% per year... and perhaps buy vanguard equivalents of these fund, they often have lower fees too...

BUT if you are not very familiar with the whole terminology, don't have time, interest, etc to deal with it, just buy TZO and don't worry about it too much, if you go to Charles Schwab or some other full service broker, they will trick you into some funds with 2% annual fee...

That fund isn't nearly diversified as it appears on the surface.

Here's the 5 year chart comparing IVV (48%) and EFA(18%), which make up 66% of the fund.

http://www.google.com//finance?chdnp...YSE:EFA&ntsp=0

They've had pretty much the same movement because one tracks the S&P 500 (the most accurate US Index) and the other tracks Western Europe and Japan - markets which have historically followed Wall St.

Skip AGG for a second, and add IJR (7%) and IJH (6%), which is small cap and mid cap. They slightly outperform the larger indexes, as they should both during and coming out of a recession, but they make up only 13% of the fund

http://www.google.com//finance?chdnp...YSE:EFA&ntsp=0

Of the two remaining holding that are somewhat substantial, you have EEM (which I recommended several posts earlier) at 4% of the fund and AGG at 12%. Emerging Markets and Municipal Bonds. The bond fund is pretty much flat of course, and the emerging market has been a bit schizo, but has still outperformed the bonds to the tune of 44% to 6% over the past decade.

http://www.google.com//finance?chdnp...YSE:EEM&ntsp=0

If you're of the belief that bonds will continue to perform with minimal growth or just be flat, they kind of serve as the stabilizing force of the fund. If you believe that bonds are the next shoe to drop, as Meredith Whitney does, you'd be kind of fucked because IVV would follow and then EFA and the two others would soon follow.

Here's the search results for Meredith Whitney and Bonds.

http://tiny.cc/be5cg

It really is just best to go with EEM.

http://us.ishares.com/product_info/f...rview/EEM.html

Especially because of the ability to write covered calls on it within the confines of an IRA where you don't have to worry about the capital gains hit that would otherwise come if you get called out.

With 800 shares of EEM (about $40K), you could write 4 $52 Strike and 4 $51 Strike
contracts with a June Expiry and pocket $600 after commissions. Do that 6x per year and you'll make 9% even if the price per share remains the same and if it goes down,you've built yourself a 9% cushion.
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#17

04-14-2011, 09:13 AM

Originally posted by will76

don't ask GFY you going to get shit like "gold!!!" or one or two specific stocks. What is it invested in now? It's not sitting there as cash.

What is your risk tolerance? Do you want to gamble or play it safe? do you want to try to get 8-10% return with risk of losing principle or something safe with little to no risk but smaller returns. You first need to find out what YOU are looking for before you can decided what you should do. Find someone local that does financial planning and sit down with them... The commission on a 40K IRA is next to nothing, any reputable company is going to steer you right, for that matter any one licensed is going to do you right. They will educate you, you make the final decisions. If they fuck you, they can lose their license, they not going to do that over for several thousand dollar commission, much less a couple hundred dollar one.

Coming to GFY...

Actually.....they cant "lose" their license if they "fuck" you. Financial advisors are failed traders and analysts.

$DIG + $SLV , Brazillian ETF's, Commodity ETF's is where smart money is going.

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04-14-2011, 09:14 AM

Originally posted by busta21

Actually.....they cant "lose" their license if they "fuck" you. Financial advisors are failed traders and analysts.

$DIG + $SLV , Brazillian ETF's, Commodity ETF's is where smart money is going.

if there is enough complaints made against them, and they did something wrong, yes they can.

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#19

04-14-2011, 09:14 AM

Originally posted by qwe

you idiots who say buy silver and gold need to stfu... why the fuck would you buy silver now at something like 30year high ? can it go up? sure, but money put somewhere else would earn you ALOT more... do not ask for investment advice on gfy

Oh. Really, where should the money go? Do you understand why its at a high? Throw out some advice instead of a weak argument with no direction

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04-14-2011, 09:19 AM

Originally posted by will76

if there is enough complaints made against them, and they did something wrong, yes they can.

Well right..but understand these guys collect a percent of AUM - THEY DONT GIVE A SHIT if your money is lost. Those ETF's I mentioned are solid hedge plays for inflation considering the fed has printed twice and more than likely a third time coming here when QE2 ends in July. The dollar is getting hammered, corn went limit up twice a month ago. The $DIG is an oil and gas ETF...thats a smart 3-5 month investment, $SLV will pass the Hunt Brothers high, $GLD is not a bubble, Soros says that sh*t so he can buy on pull backs. Brazil is a great emerging market with mining opps. that are doing really well. Inflation rises- the price of commodities rises.

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#21

04-14-2011, 09:26 AM

Originally posted by tical

Totally green when it comes to investing... I've got a SEP IRA with about 40k in it that I want to start earning for me.

What would you guys buy?

Is it safe to work with someone from a brokerage like Schwab or would they likely try to get me to invest in what is best for them?

Here, this might help you out a bit when making some decisions:

http://stocktwits.com/

There are a ton of traders who post charts, live blogs & ideas there- free.

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#22

04-18-2011, 07:53 AM

Originally posted by qwe

you idiots who say buy silver and gold need to stfu... why the fuck would you buy silver now at something like 30year high ? can it go up? sure, but money put somewhere else would earn you ALOT more... do not ask for investment advice on gfy

HAHAHAHAHHAHAHAHAHAHAHAHAHAHAHAHAHAAAAAAA!!!!

How often do YOU read the business section of a newspaper????

Silver is higher than it has ever been - forget 30 years - and is nowhere near slowing down, do to several key factors ...

If you buy your investments solely on historical performance, and do not factor in short and long term forecasts, then you are a fool!

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#23

04-18-2011, 07:56 AM

Originally posted by will76

don't ask GFY you going to get shit like "gold!!!" or one or two specific stocks. What is it invested in now? It's not sitting there as cash.

What is your risk tolerance? Do you want to gamble or play it safe? do you want to try to get 8-10% return with risk of losing principle or something safe with little to no risk but smaller returns. You first need to find out what YOU are looking for before you can decided what you should do. Find someone local that does financial planning and sit down with them... The commission on a 40K IRA is next to nothing, any reputable company is going to steer you right, for that matter any one licensed is going to do you right. They will educate you, you make the final decisions. If they fuck you, they can lose their license, they not going to do that over for several thousand dollar commission, much less a couple hundred dollar one.

Coming to GFY...

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#24

04-18-2011, 09:49 AM

Originally posted by facialfreak

HAHAHAHAHHAHAHAHAHAHAHAHAHAHAHAHAHAAAAAAA!!!!

How often do YOU read the business section of a newspaper????

Silver is higher than it has ever been - forget 30 years - and is nowhere near slowing down, do to several key factors ...

If you buy your investments solely on historical performance, and do not factor in short and long term forecasts, then you are a fool!

Buy silver contracts...let it pull back a bit from $42 level, then look at July 49 CALLS.

Last edited by busta21; 04-18-2011, 09:50 AM.

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#25

04-18-2011, 10:48 AM

Originally posted by busta21

Buy silver contracts...let it pull back a bit from $42 level, then look at July 49 CALLS.

lol. I don't think trading long calls fits his risk profile.

http://finance.yahoo.com/q/os?s=SLV&m=2011-07-15

The SLV play is:

1. Buy 1000 shares for $42.2K ($42.18/share)
2. Sell July $45 Calls for $1.91/contract
3. Pocket the $1910 ($1850 after commissions)

Hope it's at something in the $44-$44.99 range on expiry and then repeat the process by selling Sep or Oct calls to people like you.

If it's over $45 on expiration and the shares get called out, no worries bc it means he would have made $4700 without having to worry about short term capital gains within the confines of his IRA.

When factoring in the money made in writing the contracts, the stock would have to drop below $40.30 for him to lose anything.

There's definitely something to be said for trading long calls. You can make a lot of money, and it can actually be pretty fun if you know what you're doing, but I don't get the impression that he's willing to take on the risk, stare at Level 2 quotes and wage battle against the i-banks, hedge funds, and day traders all day every day and he is therefore definitely much better off just taking his 4% every 3 months.

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#26

04-18-2011, 10:50 AM

Originally posted by qwe

you idiots who say buy silver and gold need to stfu... why the fuck would you buy silver now at something like 30year high ? can it go up? sure, but money put somewhere else would earn you ALOT more... do not ask for investment advice on gfy

That is what people were saying when it was at 20$
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#27

04-18-2011, 12:25 PM

Originally posted by IllTestYourGirls

That is what people were saying when it was at 20$

i can bet anything you didn't buy at $20 and sell it at $40 (in fact you probably don't even own any stock), from 1986 to 2006 silver stayed pretty flat in tight range, only recently it started to move and everybody and their grandma's going crazy omg omg, you know how much money you could of made with about any other company in that year range? that's a shitty investment if you have your money parked for 20 years only then for it to move up... take a look at bidu, ffiv, rvbd, pot, agu, just to name a few... those companies will outperform your gold/silver rate x 10
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#28

04-18-2011, 12:30 PM

Originally posted by busta21

Buy silver contracts...let it pull back a bit from $42 level, then look at July 49 CALLS.

Calls.... lmao. you people are so retarded. The guy said "invest my IRA" which IRAs are long term and for retirement purposes. He didn;t say "hey I have this extra 10K to blow and I didn't feel like going to the casino, what should i do with it?".

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#29

04-18-2011, 12:33 PM

Originally posted by qwe

i can bet anything you didn't buy at $20 and sell it at $40 (in fact you probably don't even own any stock), from 1986 to 2006 silver stayed pretty flat in tight range, only recently it started to move and everybody and their grandma's going crazy omg omg, you know how much money you could of made with about any other company in that year range? that's a shitty investment if you have your money parked for 20 years only then for it to move up... take a look at bidu, ffiv, rvbd, pot, agu, just to name a few... those companies will outperform your gold/silver rate x 10

What is even worst is these idiots will buy it at $40 now and then its going to crash back to $20 or worst. So not only was it not a great investment if you got in 20 years ago, its 100x worst investment for the idiots who got in last minute.

Same thing happened with the stock market in the 90's (in particular late 90s) and same thing with housing in the early 2000s (2000 - 2005). The shit goes for years with modest gains and then spikes, so it gets hyped by people seeing other people making money from it, so more people jump on board, then the fringe idiots see wow everyone is making money this is so easy, I can do it too. So they jump on board and KA Booooom the whole thing implodes. Any time anything is artificially run up in value 2-3x more that what it was just a couple years ago, mainly from hype, its just a matter of time before the correction hits your ass.

buy high, sell low... congrats dumb asses.

Last edited by will76; 04-18-2011, 12:36 PM.

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#30

04-18-2011, 02:32 PM

100%.............

Originally posted by will76

what is even worst is these idiots will buy it at $40 now and then its going to crash back to $20 or worst. So not only was it not a great investment if you got in 20 years ago, its 100x worst investment for the idiots who got in last minute.

Same thing happened with the stock market in the 90's (in particular late 90s) and same thing with housing in the early 2000s (2000 - 2005). The shit goes for years with modest gains and then spikes, so it gets hyped by people seeing other people making money from it, so more people jump on board, then the fringe idiots see wow everyone is making money this is so easy, i can do it too. So they jump on board and ka booooom the whole thing implodes. Any time anything is artificially run up in value 2-3x more that what it was just a couple years ago, mainly from hype, its just a matter of time before the correction hits your ass.

Buy high, sell low... Congrats dumb asses.
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#31

04-18-2011, 02:36 PM

Originally posted by facialfreak

HAHAHAHAHHAHAHAHAHAHAHAHAHAHAHAHAHAAAAAAA!!!!

How often do YOU read the business section of a newspaper????

Silver is higher than it has ever been - forget 30 years - and is nowhere near slowing down, do to several key factors ...

If you buy your investments solely on historical performance, and do not factor in short and long term forecasts, then you are a fool!

i don't read newspapers, not sure if you know but it's all available online these days.... if you so sure silver will not slow down, why aren't you putting all of your money in it? bet you don't even own 1 share
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#32

04-18-2011, 02:55 PM

Originally posted by will76

What is even worst is these idiots will buy it at $40 now and then its going to crash back to $20 or worst. So not only was it not a great investment if you got in 20 years ago, its 100x worst investment for the idiots who got in last minute.

Same thing happened with the stock market in the 90's (in particular late 90s) and same thing with housing in the early 2000s (2000 - 2005). The shit goes for years with modest gains and then spikes, so it gets hyped by people seeing other people making money from it, so more people jump on board, then the fringe idiots see wow everyone is making money this is so easy, I can do it too. So they jump on board and KA Booooom the whole thing implodes. Any time anything is artificially run up in value 2-3x more that what it was just a couple years ago, mainly from hype, its just a matter of time before the correction hits your ass.

buy high, sell low... congrats dumb asses.

So there is no fundamental reason behind this? JPM and HSBC don't have lawsuits against them for selling contracts into the market without actual silver backing them? The comex is low on physical silver? You provided no ARGUMENT at all, just a loose opinion that is based on what? Provide some actual points not hearsay

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#33

04-18-2011, 07:39 PM

Originally posted by busta21

So there is no fundamental reason behind this? JPM and HSBC don't have lawsuits against them for selling contracts into the market without actual silver backing them? The comex is low on physical silver? You provided no ARGUMENT at all, just a loose opinion that is based on what? Provide some actual points not hearsay

you right, the huge spike in the stockmarket in the late 90s and the huge spike in home values in the early 2000's were just hearsay. AND the fact that silver was just $10 a little over 2 years ago and now is over $30 and following the pattern of all previous types of "hyped" investments is also hearsay... You got me.

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#34

04-18-2011, 11:47 PM

Goog is cheap right now.

for retirement i would buy solid stocks with div yield above 5 percent. we have plenty of them in the EU, not sure about USA as most big caps yields are really low.
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#35

04-20-2011, 05:54 PM

agnc ...THANK ME LATER
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#36

04-20-2011, 06:06 PM

You shouldn't take advise from anyone that doesn't ask you first "How old are you and when is the earliest you expect to need the money?". They should also be asking you about where you have other money invested if at all to make sure you are diversified. And lastly, as Will mentioned, what is your risk tolerance?
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#37

04-20-2011, 06:08 PM

Originally posted by busta21

Oh. Really, where should the money go? Do you understand why its at a high? Throw out some advice instead of a weak argument with no direction

Were you one of those people saying buy real-estate it never loses in 2007?
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selena

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#38

04-20-2011, 06:10 PM

Originally posted by Sly

I put mine into lifecycle funds with various retirement target dates. I used those calculators to establish what percentage to put in each retirement target date.

I don't know enough about that stuff or have the time to sit down and actually try to "play the market."

I do something very similar at T Rowe Price. I have some with a closer date that are more conservative, and some with a more distant one that have a greater risk.

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XSV

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#39

04-20-2011, 08:38 PM

Fuel to the discussion.

Pick your own source...

http://www.google.com/search?q=unive...2efe5d17bcbf1e

http://www.fool.com/investing/genera...beginning.aspx

The University of Texas' endowment made waves this week when it revealed a move to take physical delivery of 664,300 ounces of gold bullion. At $1,500 per ounce, that stash is worth nearly $1 billion, or about 5% of the endowment's total assets.

Keep in mind: the announcement made headlines because it remains patently uncommon for large-scale institutional investors to approach anything in the neighborhood of a 5% allocation to gold. As the metal continues its advance toward $2,000 and beyond, you can bet that additional big-money players will climb aboard in similar fashion; but to date these remain the exception rather than the rule.

Most are out priced by now, your best bets are some of the stocks if you want to invest in this sector.

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pocketkangaroo

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#40

04-20-2011, 11:12 PM

If it's retirement, just put it in a target fund based on the year you plan to retire. Almost every brokerage has it. I think I'm in the Fidelity Freedom 2045 fund. They are incredibly diverse and adjust as you get older. Yes they aren't fancy, but it's easy and probably end up providing much better returns than if you went at it on your own.

The only thing to watch for is expense ration on these. Vanguard is probably the best at this and carry some of the lowest out there, although Fidelity is not far behind.
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jerryb

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#41

04-21-2011, 02:22 AM

Buy physical silver ... NOT ON PAPER ... NEVER buy silver where THEY will store it for you ... you can really get burnt if you only have it on paper that they say they HAVE the silver in storage for you ... hahahaha ... Get physical delivery ... expect to pay around $50 per ounce right this minute plus delivery charges. Good luck.

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Sagi

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#42

04-21-2011, 10:52 AM

Originally posted by pocketkangaroo

If it's retirement, just put it in a target fund based on the year you plan to retire. Almost every brokerage has it. I think I'm in the Fidelity Freedom 2045 fund. They are incredibly diverse and adjust as you get older. Yes they aren't fancy, but it's easy and probably end up providing much better returns than if you went at it on your own.

The only thing to watch for is expense ration on these. Vanguard is probably the best at this and carry some of the lowest out there, although Fidelity is not far behind.

The target funds aren't that great. They don't take into account individuals risk tolerance. Also, many funds don't actually match the proper style investors should have. For example a 2050 fund should probably be 100% in stocks but it's not all ways the case. Also in many cases 2015 funds have more stocks than they should.

You are better off finding an asset class mix that's appropriate for your age and needs and then buying ETFs to reflect that mix.
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kellydivine

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#43

04-21-2011, 11:26 PM

Get a ROTH IRA. Government doesn't tax it and if our self employed I believe you can put in up to 30K annually. Again NO TAX.

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will76

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#44

04-21-2011, 11:31 PM

Originally posted by kellydivine

Get a ROTH IRA. Government doesn't tax it and if our self employed I believe you can put in up to 30K annually. Again NO TAX.

I believe the max you can do per a Roth is 6K individual, 12K couple. And there is income limits, if you make too much you can't do it. But if you can qualify it is a good way to go since will be able to take out your money 100% tax free at the end. Which is huge. A lot of retirement investments like 401K, Traditional IRA, you will have uncle sam taking a big part of your checks when it comes time for you to retire and take payments.

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kellydivine

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#45

04-21-2011, 11:35 PM

Originally posted by will76

I believe the max you can do per a Roth is 6K individual, 12K couple. And there is income limits, if you make too much you can't do it. But if you can qualify it is a good way to go since will be able to take out your money 100% tax free at the end. Which is huge. A lot of retirement investments like 401K, Traditional IRA, you will have uncle sam taking a big part of your checks when it comes time for you to retire and take payments.

Its 5K under the age of 49 and 6K over.

But Supposedly the self employed can take that number up to 30K. Just looked into it recently. I am trying to diversify from my other investments

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qwe

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#46

05-08-2011, 03:31 PM

how's that silver and gold doing ? lol
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drx

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#47

05-08-2011, 03:36 PM

crocodiles for sure

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#48

05-08-2011, 05:43 PM

Originally posted by busta21

So there is no fundamental reason behind this? JPM and HSBC don't have lawsuits against them for selling contracts into the market without actual silver backing them? The comex is low on physical silver? You provided no ARGUMENT at all, just a loose opinion that is based on what? Provide some actual points not hearsay

Here is some points dumb ass. How is silver doing now? It's crashing hard. Just like I explained would happen in this thread. What was it up to $48 a week ago, now down to $35 and plummeting like a rock?? All those people who listened to people like you and bought at $45+ is getting ass fucked right now. If you own silver dump it quick, the bubble is bursting.

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#49

05-08-2011, 05:46 PM

Originally posted by facialfreak

HAHAHAHAHHAHAHAHAHAHAHAHAHAHAHAHAHAAAAAAA!!!!

Silver is higher than it has ever been - forget 30 years - and is nowhere near slowing down, do to several key factors ...

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PornGreen

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#50

05-08-2011, 05:57 PM

Originally posted by XSV

Fuel to the discussion.

Pick your own source...

http://www.google.com/search?q=unive...2efe5d17bcbf1e

http://www.fool.com/investing/genera...beginning.aspx

The University of Texas' endowment made waves this week when it revealed a move to take physical delivery of 664,300 ounces of gold bullion. At $1,500 per ounce, that stash is worth nearly $1 billion, or about 5% of the endowment's total assets.

Keep in mind: the announcement made headlines because it remains patently uncommon for large-scale institutional investors to approach anything in the neighborhood of a 5% allocation to gold. As the metal continues its advance toward $2,000 and beyond, you can bet that additional big-money players will climb aboard in similar fashion; but to date these remain the exception rather than the rule.

Most are out priced by now, your best bets are some of the stocks if you want to invest in this sector.

how does a single college have 20 billion dollars to invest?

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