Investment ideas with 100k…

[Christopher Lucero]

I know it’s not happiness that was kind of my point. If I had 7 figures I’d hope to not be on rdp posting but in the ocean somewhere alone with my wife not worried about the rest of the world. Dreams I guess I dunno. Good problems to have

just don't give up on it. it might be easy to achieve exactly that, if only you pursue it relentlessly.

 

[THE WIDGE]

Was wondering if you’d jump on.. Do you manage it? Have you thought about additional locationsV

I do run it, not a ton a rime a week, and yes I have thought about purchasing another, but everything I see come across is priced high and or out of my area. Im 15 mins away from mine and stop by on way to work. could not imagine an hour plus drive away, especially for the quick stops or fixes that take 10 mins, but would take hours driving.

 

[RiverDave]

Doesn’t anybody wash their own cars in the driveway… no wonder this country is in distress.

you know it’s been 115-120 out lately right? Lol

 

[mesquito_creek]

you know it’s been 115-120 out lately right? Lol

I still change my own oil also during the middle of AZ summers for going on 30 years now!... I know its stupid, but I refuse to let it go.

 

[Xring01]

I still change my own oil also during the middle of AZ summers for going on 30 years now!... I know its stupid, but I refuse to let it go.

BS.... I dont trust those fucks at quicky changes, or wasting my time at the dealerships... For me, its peace of mind for knowing it was done right, with the right oil. Most importantly... It saves me time...

Its better use of my time, if I do it my self. But thats me.

 

[humvkev]

How does this thread play out today with the way the economy is trending.... where would you put $100k today?

 

[beaverretriever]

How does this thread play out today with the way the economy is trending.... where would you put $100k today?

Cart return corrals business or MREs possibly.

 

[LargeOrangeFont]

How does this thread play out today with the way the economy is trending.... where would you put $100k today?

Had you put it in oil it would have about doubled.

 

[RiverDave]

How does this thread play out today with the way the economy is trending.... where would you put $100k today?

I want to know how the 100k ideas panned out from earlier in the thread!

Any big successes or losses?

 

[jetboatperformance]

Ammunition

 

[Danger Dave]

How does this thread play out today with the way the economy is trending.... where would you put $100k today?

Real estate.

 

[braindead]

Real estate.

Even with the prices?

So when it drops, how long do you think it’ll take to get back to where it is today?

 

[hallett21]

Even with the prices?

So when it drops, how long do you think it’ll take to get back to where it is today?

+/- 10 years

 

[humvkev]

+/- 10 years

If it takes that long to recover, is today a good time to invest?

 

[hallett21]

If it takes that long to recover, is today a good time to invest?

With real estate it changes street to street let alone different zip codes.

I think you can only make an assessment based upon each individual property.

What you can measure are interest rates and cost of ownership today vs 1-5 years from now. But you’re guessing (although I think we can see the trend of rates and inflation continuing) at whether rates and value will go up or down.

 

[LargeOrangeFont]

Even with the prices?

So when it drops, how long do you think it’ll take to get back to where it is today?

Not long. In 10 years you’d have been happy to pay today’s prices. Today you’d be happy to pay 2019 prices.. and there are reams of 2019 threads saying we were at the top.

 

[LargeOrangeFont]

If it takes that long to recover, is today a good time to invest?

Recover from what? They are still rising.

 

[MPHSystems]

How does this thread play out today with the way the economy is trending.... where would you put $100k today?

VOO

 

[Xtrmwakeboarder]

I want to know how the 100k ideas panned out from earlier in the thread!

Any big successes or losses?

Neither for me. Down ~4%, which is the worst it's been in Wealthfront. Was up ~3% for most of the time until it turned on 2/9.

 

[Orange Juice]

So I have a 100k I need to invest. I already max out my 401/457 plans and have defined pension benefits plan for retirement. I would like to see a decent ROI vs the crap the bank is returning. What’s the investment consensus’s with this amount? I have thought of paying off a family members home( about 95k with a value of 600k) then they would pay me back. The return would only be about 2.4 percent so not that great of a return. Any thoughts on investments other than stock market which I have a lot of exposure to already with my 401/457 ?

I didn’t see any gold in your portfolio?

6 month CD, and then start to ladder into longer term CD’s as interest rates rise, if your looking for cash flow.

The best thing I did was pay off my house. If I had to rent it, it would cost me $4000 a month.

You could also fund a Robinhood account with $25k+, and daytrade, off your smartphone. I did that last year, and turned it into $100k, after taxes.

 

[hawgty55]

Well we invested in our selves. Opened a coffee shop. Basic idea good drinks and good service and most of all the convenience of it. Looking for a place for our second location.

 

[snowhammer]

Well we invested in our selves. Opened a coffee shop. Basic idea good drinks and good service and most of all the convenience of it. Looking for a place for our second location.
View attachment 1097903

Congratulations!! I wish you continued success

 

[FCT]

Well we invested in our selves. Opened a coffee shop. Basic idea good drinks and good service and most of all the convenience of it. Looking for a place for our second location.
View attachment 1097903

Awesome! Living the American dream. Love hearing success stories. Congratulations.

 

[CLdrinker]

Ok let’s kick some tires on this topic once again.

If someone had say 50k and may need it in 5yrs. What you you invest in?

Land? Where?
Hard money loans with who?
Financial advisor? After fees is it worth it?

 

[EmpirE231]

Ok let’s kick some tires on this topic once again.

If someone had say 50k and may need it in 5yrs. What you you invest in?

Land? Where?
Hard money loans with who?
Financial advisor? After fees is it worth it?

SPEED car

 

[cofooter]

Ok let’s kick some tires on this topic once again.

If someone had say 50k and may need it in 5yrs. What you you invest in?

Land? Where?
Hard money loans with who?
Financial advisor? After fees is it worth it?

Out of those options - 5.15% 5 yr CD!

 

[EmpirE231]

Well we invested in our selves. Opened a coffee shop. Basic idea good drinks and good service and most of all the convenience of it. Looking for a place for our second location.
View attachment 1097903

It’s a year later… how’s this business venture going?

 

[mesquito_creek]

Out of those options - 5.15% 5 yr CD!

Future value of $50,000 for 5 yr @ 5.1 = $64,394. Guaranteed by the FDIC

 

[CLdrinker]

SPEED car

Do I have to get the RG tattoo ?

 

[cofooter]

Future value of $50,000 for 5 yr @ 5.1 = $64,394. Guaranteed by the FDIC

Yep, good enough for me and my peaceful sleep!

 

[CLdrinker]

Future value of $50,000 for 5 yr @ 5.1 = $64,394. Guaranteed by the FDIC

Is there a calculator you can use to get your numbers? Being FDIC a person could possibly put in a bit more without the wife thinking we could loose everything.

Asking for a friend of course.

 

[traquer]

It’s a year later… how’s this business venture going?

I hope he bought BTC!

 

[traquer]

Actually Aug 2021 wasn't that great of a time at 45k, could have gotten it for 20k a year later.

 

[CLdrinker]

Yep, good enough for me and my peaceful sleep!

Not great. But basically zero risk makes it interesting.

 

[mesquito_creek]

Is there a calculator you can use to get your numbers? Being FDIC a person could possibly put in a bit more without the wife thinking we could loose everything.

Asking for a friend of course.

Yes… any “future value calculator” on the internet.

 

[CLdrinker]

Yes… any “future value calculator” on the internet.


View attachment 1351467

Where did you see 5% cds for 5yrs. Best I can find is 4-4.30

 

[cofooter]

Where did you see 5% cds for 5yrs. Best I can find is 4-4.30

Fidelity, any big brokerage should be similar

 

[mesquito_creek]

Fidelity, any big brokerage should be similar

View attachment 1351475

Or keep buying shorter length cds for a few tenths more…

Also Fidelity:

 

[CLdrinker]

Or keep buying shorter length cds for a few tenths more…

Also Fidelity:



View attachment 1351477

Oh so i should be able to buy them through my Schwab account then I bet.

 

[Ace in the Hole]

Where did you see 5% cds for 5yrs. Best I can find is 4-4.30

American Express, parkway bank, foothills bank, glacier bank, citi, They’re out there just did one but I didn’t do it for a five-year I just did it for a year technically 13 months. I think most of the super long term ones are with brokerage accounts, I haven’t looked to see what Edward Jones is offering right now but I know it was pretty solid a month or two ago when I was looking into it.

 

[GNEnsrud]

Down on a rental property?

Down on sub-dividable build-suitable land?

 

[CLdrinker]

Down on a rental property?

Down on sub-dividable build-suitable land?

Starting next year our goal is to buy 1 10-20k lot every other year.

This conversation is for the kids money.

 

[CLdrinker]

Kids Money? College? Why not put it then in a 529, take the write off and invest in some ETF's or bond funds.............

It’s not technically for school this is to help them with a down payment for a house. We may let them use it for school if they show they will follow through and make them benefit from it.

Half of it’s in the market right now. I’m thinking half bond leave other half in market.

 

[CoolCruzin]

You should have already put that 100k in a CD
Figure it out later do it today

 

[RiverDave]

You should have already put that 100k in a CD
Figure it out later do it today

If it’s making low 5’s and inflation is double that.. why is this a good idea?

 

[cofooter]

If it’s making low 5’s and inflation is double that.. why is this a good idea?

Double that? Last I saw it was 3%

 

[Xring01]

Double that? Last I saw it was 3%

Dont believe everything you read on the internet…

Sorry, I had to say it… Had to…

To me, inflation is higher than what the “mass media” is portraying, because they are trying to get the dems re elected.
So I really and truly doubt the “#’s “ the financial talking heads, are putting out there.

Because basic cost of goods is the barometer, that I am using as the “guideline” of the inflation that I am seeing. What do I mean… literally going to the grocery store $5.99lb for ground beef.. seriously, price of refrigerators, hot water heaters, 2x4’s, FUCKING TIRES… shit getting side tracked

GOD DAMN… FUCKING TIRES ARE EXPENSIVE… literally what the fuck???? @bldrinker, Dude you should invest your $50K in tires.. yep thinking its the next big thing. Could be bigger than crypto and DJT combined. Pretty sure.

Car batteries… another one… See, I can keep going…

I am not buying 3%… NOPE… NOPE NOPE… ohhh hell no.

 

[cofooter]

You gotta look to the 18 or more months of 9-10 percent inflation that got us here. It's not like prices go down when inflation goes down, they just increase more slowly

 

[mesquito_creek]

Future value isn't the same as past value... So if you think that inflation is going to be 10% or something in that range do whatever you want to try to hedge or beat it. But don't sit on your hands saying 5% isn't good enough so I am waiting to see what happens. That's a guaranteed loss of buying power.

Also if you have any insight on how to guarantee you can beat inflation with a 100% passive investment and insure it with the full faith of the US Treasury/FDIC please please pass it along.

CDs/Bonds don't make anyone rich overnight. Simply guarantee your 50K is going to pay 64K in 5 years and 1 month. Probably safe to say that they tread water in terms of inflation, don't beat it or loose to it much either way.

CDs haven't' paid 5% since the mid 1990s, that was before some people on here were born and many were not that far out of high school.

 

[mesquito_creek]

And just to be clear. I personally don't go out farther than about 18 months on CDs... I subject myself to higher risk stock index funds and lock in my 5 year goal sooner or hold out past 5 years to get me to something closer to 8-9%.