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post #1 of 65 Old 10-25-2004, 9:25 AM Thread Starter
 
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How do you invest?

Well, this thread may get some people riled up. Here is my intent:

I'm new to the investing "game". Yes, I think it's pretty much a gamble. With stocks falling lately, my money markets and Roth IRA's aren't doing squat. The only thing doing well is my Progressive Stock.

I'm looking for new ideas. Trying to cover my ass. My financial advisor says that we are doing just fine, but I'm not convinced. His projections assume an average 6 or 7% return, and I've been lucky to see 2%. Granted, the economy is in a lull right now, and over the course of 30 yrs or so I should see ~7%, but right now I'm pissed and want to "raise the bar" a bit on my savings.

So I'm curious to see what everyone else is doing.

PLEASE DON'T MAKE THIS POLITICAL! Thanks.

HD
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post #2 of 65 Old 10-25-2004, 9:27 AM
 
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Re: How do you invest?

Nunya.....

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post #3 of 65 Old 10-25-2004, 9:28 AM
 
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Re: How do you invest?

I do most of mine through my company's 401k. I'm better off if it's taken out up front and I can't get my hands on it.
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post #4 of 65 Old 10-25-2004, 9:32 AM
 
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Re: How do you invest?

Quote:
Originally Posted by HondaGalToo
I do most of mine through my company's 401k. I'm better off if it's taken out up front and I can't get my hands on it.
Force yourself to deposit 5%, no less. It will add up.
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post #5 of 65 Old 10-25-2004, 9:34 AM
 
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Re: How do you invest?

Quote:
Originally Posted by HondaGalToo
I do most of mine through my company's 401k. I'm better off if it's taken out up front and I can't get my hands on it.
401k here as well and some long term mutual funds through my IRA for my future

Never got into the stock game to risky for my ass
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post #6 of 65 Old 10-25-2004, 9:43 AM Thread Starter
 
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Re: How do you invest?

Quote:
Originally Posted by Baketech
Nunya.....

Totally fair. I'm not looking for any account balances or anything like that shiznit. Just generalities.

HD

For the record, I've got some stock in Progressive Ins. that came from my 401k match while I was there. 1 money market, some life and disability insurance policies (Variable Unirversal Life). A Roth IRA each for my wife and I. And another IRA where the remainder of my Progressive 401k went into. My current company's 401k gets enough so that I get as much match as they will give. Currently every quarter I'm purchasing a portion of limited liability stock which is basically S&P 500 and "matures" every year.

Not to mention my house.
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post #7 of 65 Old 10-25-2004, 9:48 AM
 
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Re: How do you invest?

you want to make money now (or at least ove the past year) you needed to short.

i have always been an all in guy for sci and tech - my 401k, my roth, ALL my stocks.

if you want a short term gain - go with oil. if you want long term go with sci and tech - it will never go away.
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post #8 of 65 Old 10-25-2004, 9:49 AM
 
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Re: How do you invest?

Most "experts" think that, long-term, investing in a broad market portolio of shares will give you a return of about 5-6% above inflation, before expenses. Total expense ratio of a typical mutual fund is close to 2%, so that eats up the expected inflation amount. Say 5-6% per annum.

But, this only works if you invest at an "average" valuation for the market. Currently the market is on the expensive side. Depends on who you believe in, but 25%-60% overvalued against long-term averages. So 3-4% long term.

Long government bonds yield 4.75% per annum.

If you look at real estate, house prices in the US are above their long-term price trend, so no relief here either. Advantage is you can gear up by borrowing if prices rise, but you're also geared on the downside too.

As elsewhere on the forum, if you need financial advice, get a good professional to advise you. Just don't believe you can be too optimistic.

Last edited by oldfogey; 10-25-2004 at 9:50 AM.
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post #9 of 65 Old 10-25-2004, 9:56 AM Thread Starter
 
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Re: How do you invest?

Quote:
Originally Posted by oldfogey
As elsewhere on the forum, if you need financial advice, get a good professional to advise you. Just don't believe you can be too optimistic.

See my first post. The intent of this thread is to keep my advisor honest.

HD
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post #10 of 65 Old 10-25-2004, 9:56 AM
 
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Re: How do you invest?

Quote:
Originally Posted by oldfogey

If you look at real estate, house prices in the US are above their long-term price trend, so no relief here either. Advantage is you can gear up by borrowing if prices rise, but you're also geared on the downside too.
Especially if you believe (like many do) that the Freddie Mac/Fannie Mae bubble is about to burst. It's going to make the S&L crisis look paltry....

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post #11 of 65 Old 10-25-2004, 10:00 AM
 
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Re: How do you invest?

Quote:
Originally Posted by Heavy-Dee
Totally fair. I'm not looking for any account balances or anything like that shiznit. Just generalities.
Sorry HD...it's just such a huge can of worms that I was being a bit facetious...

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post #12 of 65 Old 10-25-2004, 10:03 AM
 
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Re: How do you invest?

Quote:
Originally Posted by Baketech
Especially if you believe (like many do) that the Freddie Mac/Fannie Mae bubble is about to burst. It's going to make the S&L crisis look paltry....
That's one of my assumptions for a Bush victory....
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post #13 of 65 Old 10-25-2004, 10:04 AM
 
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Re: How do you invest?

Quote:
Originally Posted by bubba
you want to make money now (or at least ove the past year) you needed to short.

i have always been an all in guy for sci and tech - my 401k, my roth, ALL my stocks.

if you want a short term gain - go with oil. if you want long term go with sci and tech - it will never go away.
Oh, and in general, don't invest in the favourite thing of the last twelve months while everyone else is.
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post #14 of 65 Old 10-25-2004, 10:04 AM Thread Starter
 
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Re: How do you invest?

Quote:
Originally Posted by oldfogey
That's one of my assumptions for a Bush victory....

Moderators, please delete this post. I asked for this thread not to turn political and obviously some people can't resist.

HD
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post #15 of 65 Old 10-25-2004, 10:05 AM
 
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Re: How do you invest?

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