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  #1  
Old 11-09-2018
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Default Investments in this Economy?

If you had $10,000 (or any amount of money) and you wanted it to grow, where would you invest it? Something that was very passive; requiring very little or no time to manage.

Savings accounts don't give enough return, stock market is on a downward trend right now, bitcoin is not moving anywhere, real estate can be time consuming. Acquiring a business would be another job. Is it better just to hoard cash right now? I'd like to acquire assets and have those generate a return but it seems this is not the time.. or am I missing something?

What would you do right now?
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Old 11-09-2018
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Default Re: Investments in this Economy?

A Tax Free HIGH-YIELD MUNI Investment can yield you approx

Example American Century
1yr 2.60% 3yr 3.90% 5yr 4.94% 10yr 5.86%

Equities are still best bet long term
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Old 11-09-2018
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Default Re: Investments in this Economy?

It is a weird time - while cash is king some ideas worth considering

If small businesses need loans or venture capital, you could consider that route - return on investment or (yikes) loans...

Small amount in an index fund is considerable but you need to let it sit for like 10-15-20 years
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Old 11-09-2018
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Default Re: Investments in this Economy?

I have put a chunk into peer to peer lending. Returns are coming in at about 6% which is solid enough for a passive income

Other option I looks at was a share in student accommodation build
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Old 11-09-2018
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Default Re: Investments in this Economy?

If you can live without the $10k for 5 years, CD rates are decent now compared to when I started messing with them and it's about as secure as you can get. You can get 3%+ APY at a lot of banks or investment firms right now.

You could make $300/yr with a CD on a $10k investment without ever having to touch or worry about your investment. Not the best return, but safe and easy.
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Old 11-09-2018
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Default Re: Investments in this Economy?

I can't ever imagine tying up my money like that. Not until I acquire more of it than I can invest into my business, anyway. (probably never lol)
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Default Re: Investments in this Economy?

Every last cent I have can be used to purchase more product. :(
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Default Re: Investments in this Economy?

Well... up until I get to a comfortable level is what I'm trying to say. Once I'm doing business at a pre-determined amount, THEN I'll start using the extra money for other things.
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Old 11-09-2018
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Default Re: Investments in this Economy?

Hmm, hard money lending. Lending money out to investors who buy property. You're the 1st lean and returns are negotiable. I have a friend who does this and offered me 10% interest for a 5 year loan (interest only) with a ballon payment at the end. I'm going to give it a shot.
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Default Re: Investments in this Economy?

People have said that sometimes the best investment is to do nothing for awhile. I'm stuck with some inventory at the moment, waiting to get back on to unload. If I invest in more, I could see the situation get really bad.
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Old 11-10-2018
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Default Re: Investments in this Economy?

Quote:
stock market is on a downward trend right now
Depends what stocks you're looking at.

Some are doing well. Take the likes of Etsy (Ecommerce) which went up +33% in the space of the last few days.

Then you've got eBay (Ecommerce) which is spiralling downwards, but should hit a bottom soon, if not already, so the only way is up. "If" it were to return back to its high, you're looking at returns of around 30%.

I'm not saying invest in those, nor am I saying there wont be risks attached. But, you'll just need to find the stocks that are doing well despite the turmoil the rest are going through.

You can't beat 30%'ish returns.
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Old 11-10-2018
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Default Re: Investments in this Economy?

Quote:
Originally Posted by aspkin View Post
Hmm, hard money lending. Lending money out to investors who buy property. You're the 1st lean and returns are negotiable. I have a friend who does this and offered me 10% interest for a 5 year loan (interest only) with a ballon payment at the end. I'm going to give it a shot.
Can you have your friend contact me?

Or post a link or something?

I'm probably gonna roll over my Ether portfolio soon lol
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Old 11-10-2018
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Default Re: Investments in this Economy?

Quote:
Originally Posted by phaz0rz View Post
I'm probably gonna roll over my Ether portfolio soon lol
Imagine it sky rockets the moment you sell.
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Old 11-10-2018
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Default Re: Investments in this Economy?

Quote:
Originally Posted by Play View Post
Imagine it sky rockets the moment you sell.
I'm sure it will. Story of my life. They're just waiting for me to sell off, then it's up to $20k like BTC did.

Aspkin's deal sounds pretty good in the meantime though. At least I would know where the investment is heading.

How does it work Aspkin? You would get a total of $1000 back on your $10k investment, with the $1000 being divided up into interest payments over 60 months? $17 a month return?
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Default Re: Investments in this Economy?

10% on your money per year is amazing if you're just investing extra money and need something to do with it. But if you're trying to MAKE money, it's probably one of the worst things to do.

But I don't think I need to explain that to anyone here.(Hopefully)
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Old 11-10-2018
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Default Re: Investments in this Economy?

Quote:
Originally Posted by phaz0rz View Post
How does it work Aspkin? You would get a total of $1000 back on your $10k investment, with the $1000 being divided up into interest payments over 60 months? $17 a month return?
It must be per year? Otherwise that is a very poor ROI
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Old 11-10-2018
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Default Re: Investments in this Economy?

Quote:
Originally Posted by phaz0rz View Post
I'm sure it will. Story of my life. They're just waiting for me to sell off, then it's up to $20k like BTC did.

Aspkin's deal sounds pretty good in the meantime though. At least I would know where the investment is heading.

How does it work Aspkin? You would get a total of $1000 back on your $10k investment, with the $1000 being divided up into interest payments over 60 months? $17 a month return?
Nono.. it's more like $200ish a month interest only payment.

Here is a interest only mortgage calculator: https://www.bankrate.com/calculators...alculator.aspx



At the end of the term it's a ballon payment of the loan.

What you're looking for are real estate investors who are looking for hard money (most are looking for this); you find them in real estate meetup groups.
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Old 11-11-2018
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Default Re: Investments in this Economy?

I would be looking into gold explorers on the stock exchange.
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Default Re: Investments in this Economy?

That's what they all say when the price goes low, only to have the price go even lower.
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Old 11-11-2018
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Default Re: Investments in this Economy?

Quote:
Originally Posted by empirestate View Post
I'll be looking into solid projects in the crypto space.

You should be buying in this quiet period.
Too many of these "solid projects" are still pipe dreams :(

The gold exploration companies listed on stock exchanges can work though
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Old 11-11-2018
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Default Re: Investments in this Economy?

Take a look at healthcare ETFs like XLV SPDR. Solid 9%+ returns on average in the last 20 years. Even during the crisis it dropped only around 30%.
Also if there is karma your potentially giving the money to the companies that arguably have the best talent and try to cure the most difficult diseases.
If your smart enough to understand the algorithms behind new technologies you can hunt startups.
At the moment i'm considering opening a micro loans company but the returns on average as far as I know are around 30% but the work and risk is too big.
Also I assume hiring talented med students that will look into companies with drugs that in the process to be approved from Stage 1 to 3 by the FDA will also lead to significant returns, I wanna try to take 2-3 students, 1000 tests in stages 1-3, narrow the list to 10 studies with biggest potential and put 1000$ in all of them and if I was right once then I can potentially get all my money back but this one is just a theory.
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