Best way to invest $20,000-$30,000. . .?

Question

I am looking for the best way to invest $20,000-$30,000, over the next 3 years - with the best cash return. Help.

Answer 1

You can try a broad array of Mutual Funds with about 80 or 90% of your money....go to Fidelity, E-Trade, Vanguard...get into some conservative large- cap U.S. funds ( give you maybe a basic 8% return) then put some into some " international" or " global" funds... and look into " mining and natural resources" funds... throw in a Real Estate fund....All that should get you above 15%/ 18% for your time period.( Figure it out ...about 19-21 percent a year would almost double your money in those three years)
With your other 10% ...as long as you got a " trading" account...follow some stocks... short term in the right stocks ( moved around a little) could make you better returns than the funds..BUT... need CONSTANT watching!!!
And iit is NOT at all as complicated as it appears... go to one of the sites ( I prefer Fidelity) it's a breeze to open and account and to learn how to move your money a little...if you can read and use the keyboard, you're IN !!
If you want to " practice" or just see what it's like, go to:
http://www.top10traders.com
open a fantasy account there and see how you handle stuff.

Answer 2

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Answer 3

Easiest safest way to earn some money would be a bond or CD. But, you wouldn't generate a huge profit. For more risky investments, look to the stock market, either index funds or mutual funds or your own stock trading (not suggested for novices). I would strongly suggest staying away from the market if you are only in it for three years, since a swing for the worst would net you a loss that in theory could leave you broke. I think the best idea for you would be to put it away in a safe place. Although you wont be rich in three years, your money will be there with a bond, CD or similar. Real estate is a job. You must keep up on pricing trends, taxes, and every other task that is associated with owning property. Over three years real estate tends to dig into your profit unless you are living in your investment. Taxes alone could eat up several thousands of dollars of your profit. Real estate is a very fluid market, and one bad decision will leave you with a piece of property nobody wants at your price and you would be forced to either sit on it or eat the loss and sell for a lower price. Take a look at the current market. Foreclosures are rampant, which means there is a flood (and will be for another 2-5 years) of cheap property. This could be a buying situation, but in the long run, that could actually drive down prices of other properties just because buyers can chase a cheap foreclosure instead of buying your property (speculation on my part, I could be wrong). If you are not a real estate junkie, I would highly suggest not investing in it. And always, always put your investments with companies with long standing reputations, not these guys trying to con you of your hard earned dollars on the internet.

Answer 4

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RE:
Best way to invest $20,000-$30,000. . .?
I am looking for the best way to invest $20,000-$30,000, over the next 3 years - with the best cash return. Help.

Answer 5

Insurance is an expense , not an avenue for investment. With the kind of inflation , not investing in equity or mutual funds is not the solution. In the long run equity has given returns which are more than inflation. So think twice before avoiding equity altogether. If you still do not want equity , bank deposit is a better option than insurance.

Answer 6

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Answer 7

If you want zero risk, put it into a CD. If you are ok with risk, go for mutual funds. If you are over 59 1/2 yrs old a 1 year equity indexed annuity is a good option. If you could invest for a longer period of time you would have a lot more options.

Answer 8

If your time horizon is only 3 years, then stick with safe investments that preserve your principle. Do not venture into riskier investments like stocks, because the market could take a downturn right before you need the money. A money market account or short-term bond fund from www.vanguard.com is where you should first look.

Answer 9

Best Way To Invest 30000

Answer 10

ETFs are cheaper than mutual funds. ETFs have very low annual expenses, nearly 20 basis points or 0.2% less. As against this, actively managed mutual funds show average expenses exceeding 135 basis points (1.35%). This does not include the extra 2% - 5% as loads, 12(b)-1 marketing fees, transactions costs, and soft dollar expenses mutual funds, passed on to you but never informed, except in very fine print that nobody cares to read.

ETFs have a lower turnover than most mutual funds. As ETFs do not require active management and hold nearly a steady stream of stocks, there is hardly any portfolio turnover. On the other hand, many actively managed mutual funds churn their portfolio many times throughout the year, leading to recurring transaction fees on every purchase and sale.
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