50k investment

[Anonymous No.10647088]

I have 50k of "disposable" cash that I can invest into something that brings me cash flows. Where would you now invest 50k? My risk appetite is fairly low, I don't want cryptos, I aim for something under 10% a year. So far I have been thinking about:

- US Treasuries, but yield is not high / other national govt. bonds (some have good yield but then you face currency risk)
- index funds, other funds?
- straight up investment in tech stocks (a wise decision now? some might argue the hype has topped with Apple reaching $1trn mkt cap)

- what else could bring a return of anywhere between 5% to 10%?

[Anonymous No.10647099]

>>10647088
BABA i beaten down due to trade war.

If not your cup of tea, buy index funds or APPL

[Anonymous No.10647108]

My suggestion would be to slowly buy 1k every month of EFT.

If there is a market correction you aren't screwed right away (expect one within the following 12 months)

[Anonymous No.10647139]

Put it all in REQ easiest 30x ever

[Anonymous No.10647159]

>>10647108
thanks, have to think about that. While the economy is very strong now, some say that should change within 2 years or so.

>>10647139
thanks but I'm interested in cash flow, not get rich quick chances with high probability of failure.

Is there anything else outside of financial markets that might be a good investment?

[Anonymous No.10647160]

>>10647088
Conventment

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[Anonymous No.10647173]

>>10647088

What do you mean you aim to make under 10% a year? Are you trying to say you have no ambition?

[Anonymous No.10647187]

>>10647159
Would you consider any options of putting $50k into something outside of financial markets? Is there anything that brings cashflow with relative capital protection?

[Anonymous No.10647979]

>>10647088
this is a good moment to buy a low vol etf

[Anonymous No.10648072]

Consider HYT. It currently yields a little over 8%.

[Anonymous No.10648831]

>>10647088
buy bitcoin you stupid pleb.

[Anonymous No.10648851]

>>10647088
Vanguard S&P 500 trace fund, avg 11.3% a yr return

[Anonymous No.10649137]

>>10647088

[Anonymous No.10649168]

>>10647088
VTSAX

[Anonymous No.10650089]

>>10647088
I will tell you what I am doing and let others sling barbs at me. I would say that you're best off putting that cash into a savings account that has a relatively high yield and wait for better investing opportunities. You can get 1.85% (wooooo) at Goldman Sachs Bank (yeah, GS are a bunch of crooked sleazebags). The markets are very overpriced (and have been for a years and based on historical returns, buying risk assets now will pretty much guarantee lousy returns over the next decade.

Of course, the problem is that markets have been overpriced for years now and those who ventured to speculate in the markets have made sizeable returns. Who's to say that markets cannot go substantially higher? The problem is, unless you have a very good way of knowing when to exit the market, you're very likely to end up losing money. Whether you get shaken out at a 10% - 20% correction or, keeping a steady hand on the till in the face of what appear to be corrections, hanging on until you're down 50% or more. The only thing that is known is that stock prices are among the highest in roughly 100 years of stock price history.

If you're too uncomfortable with sitting in cash, do a Permanent Portfolio allocation: 25% bonds (Treasuries if possible, corporate bonds are horrible thanks to all the financial engineering), 25% cash, 25% stocks, and 25% commodities which can be gold or real estate.

When the market corrects enough, you can move some of the cash, bonds, or commodities into equities.

[Anonymous No.10650347]

>My risk appetite is fairly low
Put $50,000 into 4-week T-bills. Yields are around 1.90% right now. The biggest risk in doing this is either the US officially going bankrupt and/or taxes screwing over your returns. Assuming that yields stay at or above 1.90% as well as a constant principle of $50,000, you can expect a yearly return of approximately 22.8%

[Anonymous No.10650405]

>>10650347
>Assuming that yields stay at or above 1.90% as well as a constant principle of $50,000, you can expect a yearly return of approximately 22.8%
What? Where do you get the 22.8% return? 3 month Treasury bills yield about 2% at the moment and that's what you'll get if you keep rolling over every 3 months after 1 year: 2%. On $50,000, that means you get roughly $1,000 in interest.

A yearly return of 22.8% is outstanding and, generally speaking, is not a return anyone can get without taking on a fair amount of risk.

[Anonymous No.10651347]

>>10650347
>22.8%

If this is how you think interest rates work, you shouldn't be offering advice to anyone. The 1.9% is an annualized rate.

[Anonymous No.10651376]

small income property

[Anonymous No.10651429]

You won't get any decent yield without serious risk in this market. Thank you central banks.

[Anonymous No.10651464]

>>10647088
Phillip Morris PM recently to a big plunge from around 115 to the 85 dollar range, they are currently paying out around a 5.5% dividend.

[Anonymous No.10651607]

>>10647088
Mchi a Chinese index fund has recently lost about 10% pays a 2.0 % dividend.

Lamb research is near yearly lows pays a little over 2.0 dividend

Nvo Nord disk has recently taken a hit and could be considered cheap. Pays 2.0 dividend one of the oldest companies out there.

All the picks I suggested I owe and where recommended by a senpai member that is a conservative pro investor with similar files as yours.

[Anonymous No.10651704]

>>10650347
He thinks nos the 1.9% is a 4 weekly rate, no annual.

22.8% ha hahahahahahahahahahaha hahah


Holy fucking shit

The absolute state of biz

[Anonymous No.10651705]

>>10647088
Canadian weed stocks. Legalization on Oct 17.
Go for Aurora Cannabis or Canopy Growth Inc.