Investment advice 100k burning a hole in my pocket.

Hey all, just going to come out of the gate with this. I've got 100k that I have no need of and would like to put it to work. I'm not some super savvy investor. I know this is a good time to buy into the market if you have long term goals in mind. Outside of that, no real knowledge that would make me comfortable dropping the whole ball of wax.


Throw in some suggestions.

๐Ÿ„ Personal Life
๐Ÿ’ธ Investing
๐Ÿง  Advice
17
tightlines
Politicker
6
Account Executive
I can invest your money for you, just read some book this madoff guy wrote
jefe
Arsonist
6
๐Ÿ
Wow.

I'd say real estate or some steady ETFs. Down market is a good time to buy something diversified.
SADNESSLieutenant
Politicker
5
Officer of โ™ฅ๏ธ
1 bedroom 1 bath houses for 80k in the mid east coast - section 8 rentals - property managers. Put ten deposits down for ten places.

Get section 8 vouchers from the state. Net 800$/month @ each in rent after management staff payments, mortage, and depreciation. Thats 8k a month.

Follow ted cruz on tik tok he has a whole telegram dedicated to teaching and guiding this and 800 of these.

Or a boring ass like s and p 500 will at least pace with and maybe beat inflation (it follows the top 500 companies profits)

If it were me section 8 with 80% and the other 20 into cryptos day trading but Im way too good at that shit
SADNESSLieutenant
Politicker
1
Officer of โ™ฅ๏ธ
Also a classic stock like netflix, amazon, facebook, google, will only increase in the net five year.
JDialz
Politicker
1
Chief Operating Officer
You sure?
SADNESSLieutenant
Politicker
0
Officer of โ™ฅ๏ธ
well I mean, from 2019 to 2021 netflix went up 100%

Gotta implement sell limits for recessions forsure.

amaazon last 5 y did 134%

facebook 2019 to beg of 22 did 110%

Google did 100% last 5 years,

Comparing that to VTI 2019- beg. 2022 at 91%

Definetly have to be more safe with the other stocks, but that's what sell limits are for (then buy back in at the low and increase position)

Overall you're right, VTI is better for the newby, but personally I would run it my way
SaaSam
Politicker
1
Account Executive
Didn't know about the section 8 thing. Definitely going to look into this one. Thanks!
SADNESSLieutenant
Politicker
1
Officer of โ™ฅ๏ธ
Get that bread!
tightlines
Politicker
1
Account Executive
This is a great look!
SADNESSLieutenant
Politicker
0
Officer of โ™ฅ๏ธ
got you diggity dawg.
Gasty
Notable Contributor
4
War Room Community Manager
Boring businesses are pretty cool to invest in. How about a couple of 'em physical vending machines to start with?
Kosta_Konfucius
Politicker
1
Sales Rep
How do you get into vending machines? Do you need licenses? I assume itโ€™s like running a legit businsss
saaskicker
Celebrated Contributor
0
Enterprise AE
There's a great podcast My First Million run by Sam Parr from the hustle that talks about vending machines. Worth a listen.
SaaSam
Politicker
0
Account Executive
I thought a lot about vending machines at one point, I don't trust people not to trash my shit, though.
braintank
Politicker
3
Enterprise Account Executive
VTI is all you need
SADNESSLieutenant
Politicker
2
Officer of โ™ฅ๏ธ
VTI went down 25% this year
SaaSam
Politicker
1
Account Executive
That might sound like a reason to not buy but it does make me want to buy more knowing it's down. From the little that I know about it, it's so diverse that it's like investing in the US market as a whole which isn't a bad idea in the long run.
braintank
Politicker
4
Enterprise Account Executive
Exactly, the whole market went down, hence VTI (which tracks the market) went down. If you're looking for a set it and forget it investment it's hard to ignore.
SADNESSLieutenant
Politicker
1
Officer of โ™ฅ๏ธ
True. it went up 50% in the last 5 years.
NotCreativeEnough
Big Shot
2
Professional Day Ruiner
the whole market is down significantly this year. VTI has a YoY average growth of about 10% per year over the last 30 years. Buying while it's down 25% is the best way to buy it because you're maximizing your return when the market rebounds. Just have to be willing to bleed a little in the meantime while the market is still in the tank.
NotCreativeEnough
Big Shot
1
Professional Day Ruiner
VTI, VOO, and VTSAX are what the bulk of my investment cash is in. about as solid of long term investment play's as you can get.
SADNESSLieutenant
Politicker
0
Officer of โ™ฅ๏ธ
absolutely buy low sell high!
hh456
Celebrated Contributor
3
sales
Real estate. Get a quad. Rent it out.

Also trailer parks are good too. You can own a home for like 5k (you can find em free too) and rent it out for $200-$400 per month and lot fees are $25-60 per month (paid for by the tenant), all utilities, electric are on the tenant too. And youโ€™re paid off and profitable in 13-25 months.

Keep it cheap, you want people to make rent every month. You donโ€™t want to go collecting from people like that. You wanna keep your distance and just see deposits hit the bank, checks in the mail or cash in the mail. Donโ€™t get stabbed.
Sunbunny31
Politicker
2
Sr Sales Executive ๐Ÿฐ
^^^ This post.
NotCreativeEnough
Big Shot
1
Professional Day Ruiner
typically I agree that real estate is a safe bet. In the current market I would disagree though. Prices are still inflated and now interest rates are through the roof. Give a few months for prices to drop due to the higher rates and it'll be a much better investment.
hh456
Celebrated Contributor
0
sales
My scenario just requires you not have a moral basement.
NotCreativeEnough
Big Shot
1
Professional Day Ruiner
I lost my morals a long time ago.
hh456
Celebrated Contributor
1
sales
youre on the path towards success then.
CuriousFox
WR Officer
2
๐ŸฆŠ
Venmo ๐ŸฆŠ
SaaSam
Politicker
2
Account Executive
I'm old, I use paypal.
CuriousFox
WR Officer
2
๐ŸฆŠ
I got that too
SoccerandSales
Big Shot
2
Account Executive
Personally, I would look into either real estate or something safe like index funds
NotCreativeEnough
Big Shot
1
Professional Day Ruiner
I love real estate and own a few rentals. This is the worst time to buy right now though. Prices are still inflated and interest rates are through the roof. Give it a few more months and the high rates will cause the cost to buy to go down. Inflate price + inflated rate makes it tough to get any solid return on the property.
Diablo
Politicker
2
Sr. AE
Real estate is the best bet
SaaSyBee
Politicker
2
Founder
I'm a VTSAX lady myself, but if you have one lump sum that big, it feels like a good time for an investment property
MeowMeow
Politicker
2
Senior Enterprise Account Executive
I can hold onto it for ya. ๐Ÿ˜ Nahโ€ฆ Put it in the market let it grow there or real estate if you want that kind of responsibility.
SADNESSLieutenant
Politicker
1
Officer of โ™ฅ๏ธ
Congrats on the savings!
SaaSam
Politicker
0
Account Executive
Thanks!
JDialz
Politicker
1
Chief Operating Officer
Contact a fiduciary financial advisor. Almost all the advice in the comments here is absolute garbage (because math).

If somebody canโ€™t run a Monte Carlo for you with a 70%+ success rate in a very aggressive allocation model then do not work with them.
NotCreativeEnough
Big Shot
0
Professional Day Ruiner
open an account with vanguard and throw it all into various index funds. not the biggest ROI but essentially a guaranteed return over the long run.
km22
Opinionated
0
Account Executive
Find an advisor who will slowly move you into a mix of ETFs in line with your personal and financial goals.

Youโ€™ve already said you donโ€™t have a lot of experience investing. Some of these suggestions are great if you want a side job or to eventually transition into running your own business, but if you have zero interest in doing extra work or learning something new then ETFs are the way to go.
MiceTrap
Opinionated
0
Sales Development Representative
Not a financial advisor but VOO. Keep it simple IMO.

10% of that maybe pick a good blue chip stock like Apple or Google as those are lifetime stocks
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