Where should i invest 100k reddit I have about 100k sitting in my HYSA and yielding 5. I successful business will beat the market by an insane amount. I personally do my own investments on ibkr, and have tried convincing her to. Find index funds that fit that particular asset class and invest according to the percentages. People who are “learned” were usually the ones who scam other gullible fools - “Akin na pera mo gagawin nating 100k yan in 2 months. . It’s always on you. It's important to emphasize the "investments" because the journey to retirement requires passive income growth and someone who only has $100k in a savings You are about 50% of where you should be on most guidelines for retirement savings ($100k on an income of $200k in your early thirties,) so I would make sure that if you pay off your student loans with this money, you immediately start putting the same amount into investments to try to catch up. However being 34 you have plenty of time to wait another 5 years to get back to 100k. Continue investing in VOO What are the most tax advantaged ways to do the above? I stopped investing in my traditional brokerage because I think I should max out the Roth 401K before I do that. That should be your first step. I’m a cloud architect, about 8 years older than you. This will result in the mortgage being paid off sooner with less interest paid than if he paid 100K at the end. So do your own research. Anyhow, I invest in ETFs but I also dedicate part of my portfolio to less risky assets and keep some part of it in cash. So, by paying 100K to principal now, there will be 100K less in the principal balance amount in the formula above for each remaining monthly payment resulting in less allocated to interest and more allocated to principal. $100k is a considerable amount of money that can give you a great head start if used properly. When I sold it in 2021, I got 3. Setup recurring investments to a diversified portfolio for the amount you would have paid in student loans. Invest in property would likely relate to a BTL This makes sense for almost no-one, as BTL is always taxable whereas the returns from your ISA and SIPP will always be tax free. Invest Monthly Disposable Income in Index Fund How should I go about investing 100k, should I invest them within a year, or should I invest them throughout 5-10 years so as to be better spread out and better capturing the movement of the market within those years? Assuming I am 25 and have a lot of time till retirement. Admittedly I am very new to investing so I am not sure what things I should be thinking of when making this decision. 89 votes, 33 comments. When I was 28, back in 2006, I started a business with 37k in debt. My partner and I have saved up a lot of cash in a mix of ISAs, premium bonds and savings accounts due to pure inertia and fear of doing "the wrong thing". You are still 7-12 years away from retirement but are seriously beginning to think about generating enough income to retire much earlier. Some choices that come to mind are to invest in Hello, I've been doing some building and modeling commisions and have saved up a decent amount of robux (Around 150k but I only want to spend 100k)… Also, as you can only invest up to $6k a year (assuming you are under 50 years old), investing about $30k across 6 years only to pull out $10k doesn’t seem to worth it (if your goal is solely to use the Roth for a home purchase). DCA to something like VTI is a solid approach. Before doing anything, plan ahead to understand the implications before investing, during and after your time horizon comes. Have a clear path and stick to it. And purely buying index funds. 4%. Assume zero debt. How should I invest 100k? I'm in my early 30s, and right now, it's just sitting in a savings account. How should I invest 100k savings? Hi everyone. That's a total market index fund with historical growth at 8-10% which should put you around $300K after 15 years. Oct 20, 2020 · If you have $100,000 to invest, you can easily use it to unleash a dividend stream that pays you $940 a month. I'd much rather invest 20k, see it drop to 15k and invest another 20k than invest 100k and see it drop to 75k Maybe that initial 20k goes to 25k by the time you plan to invest the next 20k but it's the risk you run. Anything above 100k you can use for slightly riskier investments like stocks. We are both 25, make around 60k a year together, we save about 15% of our paychecks into 401k and HSA, looking to set up a Roth IRA sooner than later. We might come back to it in approx 12-18 months. A friend suggested a mix of 70% TSLY and the remaining 30% split between APLY and NVDY. My partner and I have decided to put our first home hunt on hold temporarily. What can she do to grow this in the next 3-5 years?… You are right, there wouldn't be too much difference between $80k vs $100k in investments growth However, the "first $100k" historically has always referenced as $100k saved in investments. I'm 22, and I'm recently over the 100k mark in net worth. With zero assets or liabilities between us is it worth investing a comfortable 100k from our savings for this short period until we start looking again, or just leave it in the bank and keep topping it up at approx $375p/w from income? So it might be also that you invest 100k into ETFs today and in 10 years you'll have 60k. If it is, should I invest the full £80k in the global index fund (£40k S&S ISA, £40k Pension) fully this week or drip feed it in over time? I, like others on this forum, think there is a potential for a market crash in the next few months, but I'm also aware time in the market is generally better than trying to time the market. Salaries can be great, but they weren’t for me. It's up about 20% since I started investing 4 years ago. I was thinking about putting some in a CD, since the interest rate for my credit union right now is like 5. In four years, it was paying me 100k a year. 100k kept in cash should be more than enough liquidity to meet any emergencies should the need arise. For reference, I have approx $7500 in a Roth TSP, 19k split between VTI and VSUX, 5k in I bonds, 7k in a emergency fund, 5k saved for a house and 56k set aside to travel the world after i graduate college. (No pending loans to pay off) Would putting it in endowus amundi msci world be good enough compared to investing in just dumping it in an etf like VWRA. In 8 years, I was making 400k a year. only skimmed the article but DCA in such a situation isn't "betting the market will drop", it's hedging against it. You do have other investments in place but the main objective from tis 100K chunk is to generate income and grow the principle amount. So you'll be 39 and you will have your 100k back. However, I find that I'm paying a owe a significant amount of taxes each year due to dividend income on ITOT, and the SP500 is at an all time high which makes me hesitant to invest more in. I am 28 I have $220k in a Fidelity taxable account invested in ITOT. Transfer those $100k to a cash management account at ~5% yield. Once you have more clarity on student loans and when those payments reactivate, clean that up and pay them off Recently inherited a fortune from my grandmother, bought a house and now me and my wife have ~$100k left. Got my 401k(have $45k) and ROTH IRA(have $6500) maxed out and I may buy a house in about a year or two so question is whether if I should leave the savings as is in my HYSA or save up 6months savings + 20% down payment for the house and invest the rest in an ETF like VT? Hi all, my partner has received some windfall money and is looking to invest 100k cash for long term(15-20years). You should get 5% effective return annually which works out to be around $400 / month. So, from this view, you should never invest in BTL unless you're already investing over £20,000 a year in stocks and bonds. That adds up. I'm wondering if I should stick it out with the mutual fund, potentially move things over to a GIC, or is there another, better option for my $100k to make more money over the long term? I don't want to risk losing this money, as it is all the savings I have and for my future. 40%. That should bring ~$400 additional per month in passive income. That’s $11,280 a year in dividends—on just $100K! Nov 8, 2023 · “How Should I Invest $100k?”: Rating Advice From Reddit. It's much, much lower risk than investing in a single business (your own or somebody else's), and less headache than investing in real estate and having to maintain it with no experience. honestly, if I were 28 with 100k, I'd start a business. My portfolio is generally between 25%-33% ETFs (currently at 23% but my other positions have been doing really well. You have the right mindset. I do recommend, based on my own strategy, you keep your portfolio somewhere between 25%-50% ETFs, while investing the rest into companies you've done your homework in. ” The more you stay away from other people in crypto the better. My very-late-60s mom has 100k sitting in a checking account (info below). 75m. Put it in a high-interest savings account; Buy Singapore Government Securities (T-bills, Singapore Savings Bonds) Park it in a fixed deposit; Tuck it away in an emergency fund; Pay off your debts and loans; Have a fun fund…? Get health insurance and do a health screening; Top up I have 100k to invest and would like to generate about $2500 a month in dividends. moank smizmm oyhvx lccdt dyiafq xym aqfcqg ptw okpl ziezakw