/biz/ - Business & Finance

>>1508136
Google the following you stupid faggot:

1) what are interest rates?

2) why is risk and reward always proportional?

3)how do I know if I'm gay?

~$80,000

>>1508144
lot more if you want to keep up with inflation.

>>1508144
How do I do this? I've been looking at annuities and stocks and shit and I've never seen it this cheap. I'm a total newfag at investing tho

>>1508155
it takes about $500k in the investments to provide you a comfortable safe living (around $2k per month) halve that and you get the $1k should be around $250k.
$80k would only work so far, inflation would mess it up real bad if you withdrew $12k annually.

200k or so.

$300k to never dip into principal less if otherwise

>>1508156
>>1508185
>>1508199
Ok and what route would I take to do this? Just give my money to a stock broker?

>>1508140
3 doesn't even need googling
>I know I'm gay because I'm OP
there we go!

>>1508207
>Just give my money to a stock broker?
i wouldn't
with $250k you can basically invest in bonds and portfolios yourself. most recommend vanguard for example but the important thing is don't put more than 25% into one thing.

like you find 4 portfolios you like gaining 5-7% at least annually containing bonds and stocks also. and you buy them and reinvest part of the earnings and only withdraw what's left above inflation rates.

>>1508136
Lets do the math here. Enter green text
>I assume you mean $1,000 dollars per month net, which would be $12,000 net per year.
>If you're in the US and paying capital gains teax of 15%, that would mean you were grossing $13,800 a year (12,000 x 1.15)
>You can pretty easily find dividend stocks that pay out 4% per year.
>If you're looking for gross dividend gains at this rate use the formula (Principal x .04 = 13,800)
>The math works out to $345,000 principal.

>>1508229
I fucked up my math here.
>You would actually need to gross $14,118 a year to net $12,000 (Gross x .85 = net)
>So the carrying that forward, actual principal you would need is negligibly higher than my initial estimation, $352,925

>>1508136
Entirely depends on how much risk/reward you're willing to take on with the principle.

>>1508136
Why such a tiny ass amount of money?

Think big guy

>>1508136
Invest 10k in Monero and you'll have that for life.

>>1508262
>picture of wenches in burkas
>you'll have that for life.
possible that you will have to cover your face in shame

>>1508283
It all depends on what you'll do with the 5m

>>1508144
15% stable roi annually and that's not even accounting for inflation. yeah, right. any more snake oil you've got to sell?

>>1508207
>Just give my money to a stock broker?
Yeah, just give him like $400k. He'll handle everything.

>>1508207
invest in pimco funds. but be prepared to hold for a long time and through some volatility.

pfn would be a good one. 200k would be 1600 a month with that fund. but rising interest rates will cause it to go down. But you should be fine in the long run

>>1508207
Buy Gold/Silver

>>1510754
if its physical.. your money will stagnate

>>1510757
except that a finite supply with potentially infinite demand has uncharted value, good luck having phones and computers when I buy all the precious metals

>>1510763
>finite supply
kek the earth has a gold supply so abundant we would all choke in it if it was distributed on the surface. it would literally cover the earth surface about a meter high at least. and then there are the asteroids and the universe. infinite supply for infinite future demand. no problems.

>>1510763
my other investments has so far outperformed physical gold by a long shot.

The only thing good about gold is you wont lose money, assuming they go up in value to cover your transaction premiums

>>1508136
Like 2,000 with margin.

>>1508145
And taxes

at a rate of 1% a hundred grand 100,000

>>1511026
1% can barely cover for inflation.. might as well have your money get eaten by termites

>>1508136
400k
Anything less will get eaten by inflation

>>1511015
some plans allow you to avoid taxes for a while
for example i could put my money into an account where i can buy and sell portfolios from and if i keep in my money for 5 years it's tax free. it has a fix fee which means it's really worth it in case of a larger sum where the fix fee is inconsequential.