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Re: Investment Thoughts [Re: ko bass attack 27] #13369888 12/12/19 03:54 AM
Joined: Jul 2005
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MARKIT Online Sick
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Originally Posted by ko bass attack 27
Take the points and put it all on the Sooners.

Best advice so far

Re: Investment Thoughts [Re: WAWI] #13369917 12/12/19 04:19 AM
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Bob Davis Offline
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Originally Posted by WAWI
I'd park it in a savings account or 12 month cd. You can get 1.5 maybe 2 percent and wait. Market is real high and with election year coming I'd ease in slowly.


Agree. Check the online www.bankrate.com. The risk is 0 and it generates income monthly. $150K at 1.7% throws $212 a month continuously into your pocket. CDs are higher but you have to have your money tied up. If you can afford risk, Pershing / AssetMark have some vehicles that can garner you some higher returns but can give you a heart attack if you watch it closely.


Best Savings Accounts & Rates of December 2019

Here are Bankrate's selections for the best online savings accounts:

Best Rate (tie): Citibank - 2.05% APY
Best Rate (tie): HSBC Direct - 2.05% APY
Runner-up Rate: Vio Bank - 2.02% APY
High Rate: MySavingsDirect - 1.90% APY
High Rate: Comenity Direct Bank - 2.00% APY
High Rate: WebBank - 1.95% APY
High Rate: Popular Direct - 1.90% APY
High Rate: CIBC Bank USA - 1.85% APY
High Rate: Citizens Access - 1.85% APY
High Rate: CIT Bank - 1.85% APY
High Rate: Synchrony Bank - 1.80% APY
High Rate: Discover - 1.80% APY
High Rate: FNBO Direct - 1.80% APY
High Rate: PurePoint - 1.80% APY
High Rate: American Express National Bank - 1.75% APY
High Rate: Goldman Sachs Bank USA - 1.70% APY
High Rate: Barclays Bank - 1.70% APY
High Rate: Ally Bank - 1.70% APY


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Re: Investment Thoughts [Re: Pilothawk] #13369936 12/12/19 05:21 AM
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Floon Swenson Offline
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As a guy who has spent decades charging a hefty fee for advice, quit asking for advice on a fishing forum. You get what you pay for. You're an attorney - you know this.

Re: Investment Thoughts [Re: WAWI] #13369942 12/12/19 05:34 AM
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Bee'z Offline
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Originally Posted by WAWI
I'd park it in a savings account or 12 month cd. You can get 1.5 maybe 2 percent and wait. Market is real high and with election year coming I'd ease in slowly.

I would listen to this... Just saying


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Re: Investment Thoughts [Re: Pilothawk] #13370074 12/12/19 01:46 PM
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Have you considered hunting for bargains on gold bullion coins? Things like American Eagles, Canadian Maple Leafs, etc, rather than proprietary products or graded coins? Gold bullion will most likely increase in value over time,even though it may be an investment left to hand down to your heirs rather than cashing in yourself.

No annual property taxes, and no government records that you own it. Big downside is storage, but for the amount of money you're considering it would be about 8-1/2 pounds worth, which can be managed in a small safe.


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Re: Investment Thoughts [Re: Mudman63] #13370093 12/12/19 02:03 PM
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JCG57 Online Content
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Originally Posted by Mudman63
80% VTSAX and 20% VBTLX


Solid recommendations. If it were me and I wanted market exposure, I would lean toward international equities which have underperformed vs. domestic equities in recent years (their time has come) and avoid bonds because interest rates are probably more likely to go up than down in the coming years and that is bad for bond prices. Also - international stocks are one area (along with small caps) where it may make sense to hire an active manager vs. an index fund - check out Morningstar for help finding some good ones.

Re: Investment Thoughts [Re: Pilothawk] #13370113 12/12/19 02:19 PM
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I would build the dream dock. There comes a time when you need to enjoy the money you saved over the course of your career. You earned it, treat yourself to it. That being said you could look at a dividend paying stock. EPD is currently paying close to 6% and its stock price usually swings between $25 and $30. If you don't need the income, reinvest the dividend.


Originally Posted by OTFF
He is truly a sick individual.
Re: Investment Thoughts [Re: Pilothawk] #13370127 12/12/19 02:43 PM
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I have had excellent luck with Vanguard Mutual Funds. The reason I went with them is because it was the highest rated Mutual Fund company according to Consumer Reports. I have averaged over 10% every year for over twenty years except two when everyone lost money. When you have over a million you can utilize their Managers at no cost.

Re: Investment Thoughts [Re: Pilothawk] #13370257 12/12/19 04:15 PM
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You're a pilot, so....

Faster cars

Younger women

Older scotch

As for this Marine....I ended up with an older car, an older woman, and I quit drinking.

As for your investments I would put the entire 150k in the bank and once a month put 25k in a CD at your credit union and do this till all 150k is in vested in CD's. Then every month once all is invested you get to decide to renew the CD for another six months or take in out. That would give you time to see what in happening in the wide world of politics, which as you know directly effects the economy.

Good luck.


Look! Up in the sky. It's a bird. It's a plane. No, it's an EMP!

Re: Investment Thoughts [Re: Pilothawk] #13370287 12/12/19 04:40 PM
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wallstreetbets on Reddit is where I get all my investing advice. YOLO

Re: Investment Thoughts [Re: JCG57] #13371136 12/13/19 01:13 PM
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Originally Posted by JCG57
Originally Posted by Mudman63
80% VTSAX and 20% VBTLX


Solid recommendations. If it were me and I wanted market exposure, I would lean toward international equities which have underperformed vs. domestic equities in recent years (their time has come) and avoid bonds because interest rates are probably more likely to go up than down in the coming years and that is bad for bond prices. Also - international stocks are one area (along with small caps) where it may make sense to hire an active manager vs. an index fund - check out Morningstar for help finding some good ones.


If one wanted to avoid bonds, then I would go with 80% VTSAX and 20% VTIAX for international equity exposure. These are great funds, low expenses, and full exposure to every publicly traded company on the globe.

Re: Investment Thoughts [Re: Pilothawk] #13371438 12/13/19 04:48 PM
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Getting investment advice on a public forum? Theirs your first mistake........

Re: Investment Thoughts [Re: Pilothawk] #13371450 12/13/19 04:58 PM
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You can get advice from as many sources as possible. Not until you act upon it have you made a mistake.


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Re: Investment Thoughts [Re: Pilothawk] #13371454 12/13/19 05:01 PM
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Check out some top rated ETF's.


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Re: Investment Thoughts [Re: Pilothawk] #13371497 12/13/19 05:40 PM
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I think advisors will tell you if you need the money within 5 years then play it safe. I listened to all the hype about a big market downturn this month along with the gloomy projections for 2020 sold some stocks and bought gold.I think from now on I am going to do the opposite of what they say.


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