User1234567

Investing Money

Anyone with a background or experience in finance I need help! After saving a good amount of my money from years of working I need help finding the best stocks, markets, or funds to put my money into. Ideally I am looking to leave it in something for about 5 years until I will need to use it. I currently have a Fedility account so would love suggestions for that. Thank you in advance!

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DungeonsNDemos

Big Shot

Rolling 20's all day

There's a lot of better places to look for investing advice than here. Or you can always yolo on Wallstreetbets flavor of the week

User1234567

Politicker

User1234567

What places would you suggest?

duckduckgos

Opinionated

Business Development

Is your Fidelity account a 401k or a Roth IRA? Or is it a normal brokerage account that you will be investing in?

User1234567

Politicker

User1234567

Just normal brokerage account right now

goose

Politicker

Sales Executive

Find a professional that you like and trust and work with them. They’ll help you play the long game according to your goals.

Lambda

Tycoon

Sales Consultant

You need to do your own research tbh, admittedly we all want to help each other but that one person thats here that could screw your entire finacial future..... not worth it

User1234567

Politicker

User1234567

I get that, was just curious on others opinions

JC10X

Politicker

Senior Sales Manager

Me too, I always share when something is working for me.

Ozz

Politicker

Account Executive

Do you own research but real estate is hot right now.

JC10X

Politicker

Senior Sales Manager

True that! Real estate, but what about the housing crash that's coming?

Ozz

Politicker

-1

Account Executive

not likely unless there's a recession.

JDialz

Politicker

Chief Operating Officer

Oof.

User1234567

Politicker

-1

User1234567

Yes I am Just looking for more opinions

KendallRoy

Politicker

Diversified ETF, dollar cost average, 5 years is too short of an investment timeframe for securities

User1234567

Politicker

User1234567

Going to look at those

Richie

Opinionated

Sales Manager

Good ideas.

uncorpse

Politicker

Sales Development

BTC and real estate!

User1234567

Politicker

User1234567

Thank you

JC10X

Politicker

Senior Sales Manager

Yes sir!

ragnarlothbrok

Politicker

Key account manager

Celcius is good for weekly paid interest if you are HODLing crypto too

JDialz

Politicker

Chief Operating Officer

RIP

JC10X

Politicker

Senior Sales Manager

I was big in crypto, till about 3 months ago hehe. Will look at the comments below for more insights, if not stocks it is..

User1234567

Politicker

User1234567

I was thinking about crypto but was not really sure

Stratifyz

Big Shot

Account Executive

I’d play it safe and invest in things that have been around for some time.

SlinginSoftware

Politicker

Account Executive

I can’t emphasize this enough… get a financial advisor! They help take the guess work out and the more money they make you, the more they get… it is in their best interest to make money from your money.

If I would have kept managing my money myself, I would have been in a great place at retirement… but financial advisor has me on track to be almost 30% further along at retirement… literally millions of dollars ahead of where I was projected.

*These of course are projections and things can change or go south in a matter of months…*

FamilyTruckster

Politicker

Exec Director, Major Accounts

Pai Gow.

Ryase1113

Opinionated

Regional Director

This one got me! 🤣

Blackwargreymon

Politicker

MDR

Is your Fidelity account a 401k or a Roth IRA? Or is it a normal brokerage account that you will be investing in?

Clashingsoulsspell

Politicker

ISR

You need to do your own research tbh, admittedly we all want to help each other but that one person thats here that could screw your entire finacial future..... not worth it

Oboy77

Arsonist

Workspace Consultant

Interesting topic.

@Kinonez

APalmoze

Good Citizen

Business Development

I love this. Sales people are making good money and the best thing to do is invest it.

APalmoze

Good Citizen

Business Development

I’m more of a set it and forget it passive investor so I couldn’t tell you in depth about things. I invested my money into: -REITs -ETFs -Index Funds -SMART Universal Life Insurance Next I want real estate and a few other things

CuriousFox

WR Officer

🦊

I don't understand much in real estate, but is it in a bubble?

EdTechSales

Politicker

Director of Sales

Real Estate, BTC and ETH.

Feds_Watchin

Politicker

a Roth IRA and any ETFs you are comfortable with

Feds_Watchin

Politicker

In addition to 401K and maximizing any employer match

newsalesguy14

Politicker

Account Executive

The #1 easiest thing you can do is throw it in an index fund that tracks the S&P 500. Throw your lump sum in there, and moving forward start dollar cost averaging into it (meaning every paycheck, you throw a percentage into the investment). If you want to go slightly higher risk higher reward, you can do something like 2/3 of your money in that fund and another 1/3 in the S&P 1000 to go for earning a little more since these companies having more growth potential (this is what I personally do). This is passive investing and this is the winning strategy. I would encourage you not to pick and gamble on individual stocks or participate in “pump and dumps”. Not only is it risky, but there is tons of research and checking to do and I can say personally that it comes with a lot of anxiety.

newsalesguy14

Politicker

Account Executive

Next is real estate. Owning property (not REITs) is huge due to leverage and cash flow. I encourage you to look into “house hacking” as a way to get into this as well. Though real estate is very powerful, there is tons of due diligence you will need to do here. To be a real estate investor you need to be extremely educated on what you’re doing and you need to know how to run numbers on properties to find out if the deal will cash flow and grow for you or not.

newsalesguy14

Politicker

Account Executive

I encourage you to look into it. BiggerPockets is an excellent resource for this. But this is why I started with passive investing first - it doesn’t require much time or energy which is great. If you do decide to go into real estate, then what’s great is a combination of these two (ie saving money in index funds so they grow in between property purchases. Just be aware that there is risk in the market tanking your down payment if you do this)

newsalesguy14

Politicker

Account Executive

The last piece of my personal portfolio is crypto. Go into crypto with the same attitude as real estate - do not invest in it if you don’t understand it. Educate yourself on it. Don’t invest anything into crypto that you wouldn’t feel uncomfortable losing, and know that the price you pay for getting huge returns comes with massive volatility. The crypto market has absolutely tanked after being up tons, but people who believe in their crypto investments are in it for the long haul and buying it while it’s discounted

countingmyinterest

Politicker

Account Executive

Any vanguard or blackstone fund that invests into an exchange like Nasdaq, Russell, FTSE, S&P500.

homeschooled

Opinionated

Executive Client Partner

I personally use a roboadvisor, Wealthfront ( https://www.wealthfront.com/) because they automatically rebalance, reinvest, do tax loss harvesting and you can borrow against your taxable investments if you need to instead of spending it. Also agree with @newsalesguy14 about Realestate. We own two condos that cash flow about $1,000 per month.

homeschooled

Opinionated

Executive Client Partner

You can also get $5k managed for free by using this link (I do as well), or you can just use the first one I posted above: https://www.wealthfront.com/c/affiliates/invited/AFFA-V29B-IFEQ-IVZ8

DrunkenArt

Politicker

Sales Representative

I'd look into doing an emergency fund with Vanguard. I'm not sure what your goal in 5 years is, but Vanguard does have a cool option for those who want to put their money somewhere safe. I believe it's mainly a money market thing, but I would always recommend speaking with an advisor

sellingsellssold

Politicker

SDR

I would suggest looking into the S&P500 index. Each company has a different ticker symbol but it is almost guaranteed that you will make money if you keep it in for a couple years.

MR.StretchISR

Politicker

ISR

Do you own research but real estate is hot right now.

JDialz

Politicker

Chief Operating Officer

So much did not age well here 😭

Mr.Floaty

Politicker

BDR

I'll see your pot pie and raise you a grown woman eating a corn dog in a car alone.

Cyberjarre

Politicker

BDR

Yum the cheese cake factory had the best

Lambda

Tycoon

Sales Consultant

My bank Account is open….

Kidding but honesty I’m a big real estate guy for long term generational wealth, not really short term so that may not help you

Carlosg

Politicker

SDR

You can try the ETF ACWI, it is indexed in all the world stocks including Emerging Markets

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User1234567

Investing Money

51 comment

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