I have 500K in cash and I'm 34 and single & no debt how should I invest it?

Question

I also have an almost paid for apartment in London.

Answer 1

Gold or Business or Real Estate. ~

Answer 2

I have seen some posts here which are just Spam and HYIP.
So please be careful whom you take advise from.

Diversification is the key and this should give you a overall profitable portfolio. While this might be more conservative, it can mean a substantial earnings to keep you quite ahead.

Everyone speaks from their point of view and are partial to those investments that they are comfortable with. This does not necessarily mean that they are the best around.
Nevertheless park your money in Risk free investments about 40%, 30% in slightly aggressive and the rest in cash for any emergencies.
If this money is only for investing, you can try and split the money as per your risk profile. I am personally partial towards Forex, and MF's,, their combination is good for the slightly aggressive.

Regards
Gokarn
[e-mail]

Answer 3

I like Sheik's answer - Real Estate would likely be the best way to go.
I'd recommend a piece of software I have been using lately for investment property analysis and am quite happy with - Personal Finance Associate by Parcus Group.
Simple to use software with great features incl. budgeting, financial planning, shares valuation, real estate investments analysis etc.
Saved me an amazing amounts of time while looking at the properties on the web. You enter some basic property info ie. rent, outgoings etc and the program will give you some great measures of the financial performance of the property such as cash on cash return, ROI, IRR etc... if the numbers stack up at the high level you go and have a look without wasting time with every lemon out there.
Definitely check it out at:
http://www.parcusgroup.com/finsoft/realestate.html
or
Great value for money for under US$24 / £12 for a single user license.

Answer 4

pay off the apartment and any other bills you might have. Then, invest conservatively. You already have enough to live on after retirement, no sense in risking losing it. Talk to a financial advisor you trust. At the very least, split it between a money market savings, an IRA, and a mutual fund. The savings will give you good interest and you can use it anytime you want, the mutual fund will give you good future returns for long term savings such as down payment for a house, kids' education, etc. and the IRA will give you a great retirement nest egg.

Good luck to you!

Answer 5

I'd invest in my favorite stocks, buy a share of Berkshire Hathaway, Vanguard (or other) Total Stock Fund - Mutual Fund, get some international stocks preferably via a mutual fund also to spread out risk ... maybe buy another piece of real estate (with care). Keep some for liquidity and emergencies in a MMF. Make some charity donations, help family if any are struggling.

Answer 6

OK, does 300% return in 15 months excite you? I am talking from my personal experience here. I have started with USD12K in 30.8.2006 and from that time, they never miss to provide me with the monthly return as promised. They used the scale of 10%x3months + 15%x3months + 20%x3months + 25%x3months + 30%x3months.

The best part of it, they have started a new product called EMF that had a value of USD1 in December 2006 and now valued at USD2.11 per unit and expected to reach USD4 in April 2007.

See for yourself and experience this exciting investement. Mind you, this is not a HYIP but real investment in offshore financial market.

You can register free for 14 days but need an introducer to start. Use mine: mygha1605101 to register yourself.

Answer 7

I like Ryan's answer with the angel investor idea. That would probably be quite interesting to be involved with a startup or two.

I would also look at the foreign currency exchange market (Forex). With $2 trillion dollars a day being traded in the market it is the most liquid and the most active market on earth.

That was the good part...the bad part is that because there is the potential to make very attractive profits there is also an imbedded element of risk. Those that look at Forex as "the next step after online poker" are doomed. Most traders that enter the Forex arena lose because they have not taken the time to learn how to properly enter and exit the market so as to minimize risk and maximize profits.

Being young with a bit of time on your side I would suggest you at least look into it as a part of your overall investment strategy.

I would be happy to send you a report that a good friend of mine wrote that does a good job explaining the Forex market and some interesting ways to participate.

[e-mail]

Answer 8

I've been trading the market for just a few months. My cousin actually told me about this website ( http://pennystocks.toptips.org ) and I signed up immediately after. This is my honest review about their method. I'm not someone who has a lot of time to be researching for ideas because I work many hours. they made it incredibly easy for me to make money in the market. Their reports are easy to read and follow. I've tracked most of the stock ideas that I've received in my e-mail from them and MANY have seen some nice gains after their announcements. I've made a nice profit (55% return on my investment on one, and 112% on the other!) on a couple of suggestions he's given and plan to start trading his ideas a lot more.

For more info: http://pennystocks.toptips.org
Bye

Answer 9

Disagree with previous poster, gold isn't good. It doesn't have a good track record.

Mutual funds, good mutual funds with a good 10 year record. I highly recommend you read 4 books.
1. The Total Money Make over by Ramsey
2. 9 Steps to financial freedom by Orman
3. Your Money Counts by Dayton
4. The Millionaire Next Door by Stanley

Educate yourself and then start interviewing good financial advisers.

Answer 10

You are one fortunate dude, man. In your situation, you're better off than 95% of the world's population, at least maybe even 99%......

You are still in your prime earning years, and probably don't need to access the money for a while ( since you have an apartment already ). The money is likely going to be for your retirement.

As such, you can afford to be aggressive in your investment, as you have a longer time to recover in case things turn against you. You will probably want to invest less in bonds, and more in stocks.

In the stocks, you can afford to have a larger mix of growth stocks, versus large cap ( stable ) stocks. You can look at growth mutual funds and even index funds.

however, consider putting about 25% of your portfolio into international funds and bond funds to achieve some degree of diversification.


As you grow older, adjust your mix accordingly to increase the large-cap stocks, and bond funds.... this will make your investments less risky as you near the end of your working career.


You can be justifiably proud of yourself for your present position; it is one which many hope for, but few achieve.

Answer 11

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