Investments in this Economy?

**aspkin** · #1 11-09-2018

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?

newjerseymax · #2 11-09-2018

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

rsot · #3 11-09-2018

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

JamesNorth101 · #4 11-09-2018

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

phaz0rz · #5 11-09-2018

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.

ebaystealth1974 · #6 11-09-2018

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)

ebaystealth1974 · #7 11-09-2018

Every last cent I have can be used to purchase more product. :(

ebaystealth1974 · #8 11-09-2018

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.

**aspkin** · #9 11-09-2018

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.

jimmy121 · #10 11-09-2018

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.

Play · #11 11-10-2018

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.

phaz0rz · #12 11-10-2018

Quote:

Originally Posted by aspkin

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

Play · #13 11-10-2018

Quote:

Originally Posted by phaz0rz

I'm probably gonna roll over my Ether portfolio soon lol

Imagine it sky rockets the moment you sell.

phaz0rz · #14 11-10-2018

Quote:

Originally Posted by Play

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?

ebaystealth1974 · #15 11-10-2018

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)

JamesNorth101 · #16 11-10-2018

Quote:

Originally Posted by phaz0rz

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

**aspkin** · #17 11-10-2018

Quote:

Originally Posted by phaz0rz

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.

mine · #18 11-11-2018

I would be looking into gold explorers on the stock exchange.

jimmy121 · #19 11-11-2018

That's what they all say when the price goes low, only to have the price go even lower.

rsot · #20 11-11-2018

Quote:

Originally Posted by empirestate

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

Klemantina · #21 11-11-2018

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.

rsot · #22 08-01-2019

Quote:

Originally Posted by Frankringer

May be I can think for an alternative way for my business.

Welcome to the forum - all the best as you master stealth

There is no "maybe" here - always have backups and side hustles