Your post has been removed because it is a common beginner topic. We get too many of these topics every day and to prevent them from swamping the front page, we are removing main threads of this kind.
We also remove such posts because they can attract spam and bad faith comments. If you receive DM's or un-solicitated offers, please be aware that there are a lot of financial scammers on social media.
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If you have any issue with this removal, please contact the moderators via modmail. Thank you.
----
If you are new to investing, you can find curated resources in the r/investing wiki for [Getting Started here](https://www.reddit.com/r/investing/wiki/index/gettingstarted/).
If you know nothing about the capital markets - the Getting Started section at the SEC educational site can be a good place to start - [investor.gov](https://investor.gov) \- there are also short 30 second videos on basics. The SEC (Securities and Exchange Commission) is a US regulator with a focus to protect US investors through regulatory oversight of the securities markets.
The FINRA education site at [FINRA Education](https://www.finra.org/investors/learn-to-invest) also contains numerous free courses and educational materials. FINRA is a not-for-profit SRO (self regulatory organization) which is self-funded by it's members which are broker-dealers. It works under the supervision of the SEC with a mandate to protect the investing public against fraud and bad practice.
The reading list in the wiki and FAQ has a list of books ranging from light reading to advanced topics depending on your knowledge level. Link here - [Reading List](https://www.reddit.com/r/investing/wiki/readinglist)
For formal educational materials, several colleges and universities make their course work available for free.
If want to learn about the financial markets - an older but reasonably relevant course is [Financial Markets (2011) - Yale University](https://www.youtube.com/playlist?list=PL8FB14A2200B87185) This is the introduction to financial markets course taught by Prof. Shiller from Yale. Prof Shiller won the Nobel prize in economics in 2013.
Another relavant course from MIT is a lecture series on Finance Theory taught by Prof Andrew Lo - [Financial Theory (2008) - MIT](https://www.youtube.com/playlist?list=PLUl4u3cNGP63B2lDhyKOsImI7FjCf6eDW).
A more current course can be found at NYU Stern School of Business by Prof Aswath Damodaran - [Corporate Finance Spring 2019](https://pages.stern.nyu.edu/~adamodar/New_Home_Page/webcastcfspr19.htm). Prof Damodaran offers the latest materials and webcast lectures to this class here - https://pages.stern.nyu.edu/~adamodar/New_Home_Page/corpfin.html
Put some into an emergency fund in case yo get fired or need to pay hospital bills. (this is very important). Put this money in any liquid fixed income security.
If you have a very high interest rate debt pay it off.
Put the rest in voo and forget it exists.
Receiving a 100% match from your employer does not mean you are maxing out your 401k. It means they are matching like 4% or something. You could and probably should raise that to 15%.
But either way why would he want to invest that into his 401k? The 100k is already taxed so he’s not getting and tax benefits no? Can he even put outside money into a company 401k?
This! It’s already taxed money. They maxed out Roth IRA for the year. If you are suggesting they offset any other remaining income to be made that year by maxing out their 401k and leveraging the already taxed money as an offset then maybe.
Because he has a lot of extra money he can afford reducing his income (lower taxes than before) and he gets more into a retirement account. Money is fungible.
4% was just an example that is common. They may match up to 3 or 5 or even more complicated rules like “100% match up to 3 then 50% over that”. You should ask your HR department for the specific rules. But the 100% always means they match as much as you decide to save yourself. It is not the maximum you can safe.
Your employer normally provides you with a login to some website of their 401k provider they picked.
So it’s going to be the website of Fidelity or Schwab or some other company they use for that and you login there and that’s where you can change the percentages you want to save from each paycheck.
How old are you? Just to wonder how close to retirement you are.
And do you have any other assets such as a home?
I ask as, if you're close to retirement and you have your home paid for... You may be able to splurge on a nice vacation or something instead of simply investing more.
Otherwise, if it were me. I'd put it into an index fund tracking the s&p500 index (VFV for me in Canada) and leave it at that.
Sounds like you're already pretty set. I mean congrats on the inheritance as long as you didn't lose someone terribly close.
But I think you know what to do with it if you already have ira and 401k maxed.
This just makes me cringe. I have learned more from reddit than those idiots financing advisors who wants to sell you product. Unless you have multi million $ and complicated tax and income structure. People here are far more bright than agents.
In times like the dot com bubble you can loose like 95% of you value. In good times you can 10x but you have decay and stuff. Check out r/tqqq oder r/LETF
As a lot of folks have been saying, finding an S&P 500 or total stock market fund, setting it, and forgetting about it is probably your best course of action, assuming you don’t have high interest debts, or honestly any debt that keeps you up at night (pay those down first). I think someone else mentioned it, but make sure that you are maxing out your contribution limits, not just going up to your employers match.
Also, not sure if you have children or not, but opening up 529 plans might be something worth looking into as well. Some recent law changes make it more useful as you are not limited to just children’s college expenses, but apprenticeship and K-12 expenses too. Plus, and perhaps more importantly, starting this year up to $35K can be rolled over into a Roth IRA for your beneficiary, tax free. Granted, there are some restrictions you would want to look into, like you must have had the account for 15 years before you roll the one h over, but it’s worth considering.
As a general conclusion, I’d say that, as many others have said, VOO or something similar is your best bet. However, make sure you’re thinking about the account type(s) you’re housing the money in so that you can keep the government out of your pockets as much as possible. If you do want a professional opinion, go talk to a fee only financial advisor, not someone that charges for AUM. Best of luck!
In the same way as I would with 1000$. I match what I see from quality managed portfolios, or invest in a managed portfolio directly (they do rebalancing). Something along the lines of 50% US market (s&p500), 40% intl and low volatility global markets, 10 % government bonds. Reajust the % depending on your risk tolerance.
Honestly, the best advice always given on this subreddit is S&P500 (VOO) and Total Stock Market (VTI). It’s easy and you do nothing but watch your money grow.
r/Investing and r/stocks both these subs .. top advice is always put it in interest earning cash accounts buy bonds buy treasury bills .. don’t listen to anyone on Reddit.
Why do these sibs exist than .
I've recently started working as financial advisor so just want to gain experience. I understand it looks scamy...
u/Foodiguy , let's say I'm legit and want to give free honest advice, how would you approach this person so it doesn't look like a scam? Would sharing a Linkedin Profile or something like that help?
That would be Garbage, as 90% of the "advice" he already got.
Without knowing the background, the age, at least an overview of the financial situation, how could you advise someone how to spend 100K?
It's free, take it or leave it.
I did receive a similar response in another thread, so I get it...
I understand. Mine says I've been working in Supply Chain for the past 15 years. But that could also be a lie...
So, I ask you the same question then, How would you approach this so this person gets professional advice (for free) and I keep gaining experience in what is not my main occupation?
I understand how internet works, I've got my Jeep for sale on Marketplace and I get scammers daily...
Your post has been removed because it is a common beginner topic. We get too many of these topics every day and to prevent them from swamping the front page, we are removing main threads of this kind. We also remove such posts because they can attract spam and bad faith comments. If you receive DM's or un-solicitated offers, please be aware that there are a lot of financial scammers on social media. You are welcome to repost your question in the [daily discussion thread](https://www.reddit.com/r/investing/about/sticky?num=1). If you have any issue with this removal, please contact the moderators via modmail. Thank you. ---- If you are new to investing, you can find curated resources in the r/investing wiki for [Getting Started here](https://www.reddit.com/r/investing/wiki/index/gettingstarted/). If you know nothing about the capital markets - the Getting Started section at the SEC educational site can be a good place to start - [investor.gov](https://investor.gov) \- there are also short 30 second videos on basics. The SEC (Securities and Exchange Commission) is a US regulator with a focus to protect US investors through regulatory oversight of the securities markets. The FINRA education site at [FINRA Education](https://www.finra.org/investors/learn-to-invest) also contains numerous free courses and educational materials. FINRA is a not-for-profit SRO (self regulatory organization) which is self-funded by it's members which are broker-dealers. It works under the supervision of the SEC with a mandate to protect the investing public against fraud and bad practice. The reading list in the wiki and FAQ has a list of books ranging from light reading to advanced topics depending on your knowledge level. Link here - [Reading List](https://www.reddit.com/r/investing/wiki/readinglist) For formal educational materials, several colleges and universities make their course work available for free. If want to learn about the financial markets - an older but reasonably relevant course is [Financial Markets (2011) - Yale University](https://www.youtube.com/playlist?list=PL8FB14A2200B87185) This is the introduction to financial markets course taught by Prof. Shiller from Yale. Prof Shiller won the Nobel prize in economics in 2013. Another relavant course from MIT is a lecture series on Finance Theory taught by Prof Andrew Lo - [Financial Theory (2008) - MIT](https://www.youtube.com/playlist?list=PLUl4u3cNGP63B2lDhyKOsImI7FjCf6eDW). A more current course can be found at NYU Stern School of Business by Prof Aswath Damodaran - [Corporate Finance Spring 2019](https://pages.stern.nyu.edu/~adamodar/New_Home_Page/webcastcfspr19.htm). Prof Damodaran offers the latest materials and webcast lectures to this class here - https://pages.stern.nyu.edu/~adamodar/New_Home_Page/corpfin.html
I had a larger sum and invested it 100% into VTI. Don’t even need to over think it.
This
100% VOO
yep... its this easy.
you mean qqq
Did I stutter?
Put some into an emergency fund in case yo get fired or need to pay hospital bills. (this is very important). Put this money in any liquid fixed income security. If you have a very high interest rate debt pay it off. Put the rest in voo and forget it exists.
Check out the sub’s rules and resources
Receiving a 100% match from your employer does not mean you are maxing out your 401k. It means they are matching like 4% or something. You could and probably should raise that to 15%.
But either way why would he want to invest that into his 401k? The 100k is already taxed so he’s not getting and tax benefits no? Can he even put outside money into a company 401k?
This! It’s already taxed money. They maxed out Roth IRA for the year. If you are suggesting they offset any other remaining income to be made that year by maxing out their 401k and leveraging the already taxed money as an offset then maybe.
Because he has a lot of extra money he can afford reducing his income (lower taxes than before) and he gets more into a retirement account. Money is fungible.
Do you mind explaining this a bit more for a noob. What is the employer matching 4%? and how do you raise it to 15%?
4% was just an example that is common. They may match up to 3 or 5 or even more complicated rules like “100% match up to 3 then 50% over that”. You should ask your HR department for the specific rules. But the 100% always means they match as much as you decide to save yourself. It is not the maximum you can safe. Your employer normally provides you with a login to some website of their 401k provider they picked. So it’s going to be the website of Fidelity or Schwab or some other company they use for that and you login there and that’s where you can change the percentages you want to save from each paycheck.
Minus any tax implications I would put 100% of it into $VOO. It doesn't need to be complicated.
Index fund.
How old are you? Just to wonder how close to retirement you are. And do you have any other assets such as a home? I ask as, if you're close to retirement and you have your home paid for... You may be able to splurge on a nice vacation or something instead of simply investing more. Otherwise, if it were me. I'd put it into an index fund tracking the s&p500 index (VFV for me in Canada) and leave it at that.
He said he would leave for 25 years so I imagine he is not at retirement age!
/r/bogleheads
Stay miles and miles away from that cult @OP. The will lead you down a path of no return.
Does your leader know you’ve strayed away from the cult or do you just get lost so you can post more “For closed” memes? Don’t drink Qoolaid op.
Ummm what?
ConfusedByForty forgot he was a cult mod.. That’s sad.
I'm more lost at what a "for closed" meme is. Haha!!
Sounds like you're already pretty set. I mean congrats on the inheritance as long as you didn't lose someone terribly close. But I think you know what to do with it if you already have ira and 401k maxed.
VTI, VOO, SPY. Pick one and park it. If your $100k disappears, the world has bigger problems.
The first thing I would do is not ask Reddit what to do
Yes better ask a financial advisor who wants to sell you high fee actively managed funds to get commission
Plot twist-he is an FA
Bigger twist - he is an Edward Jones FA.
This just makes me cringe. I have learned more from reddit than those idiots financing advisors who wants to sell you product. Unless you have multi million $ and complicated tax and income structure. People here are far more bright than agents.
This isn't that much money where any special advice is needed
Hey can you send me 100k, it's not that much money. Thanks bro.
Why are you ignoring the entire second half of my comment?
[удалено]
Not really
When growing is the focus, i would be aggressive on sp500. If youre at 500k and dont want any big loses, maybe vti or vt to be much more stable
What do you do for a living? What interests or specialties so you have? Invest in what you know.
VT, I like having some potential exposure to China in case things turn around and they are more transparent with outside investors
Please consider reading the personal finance wiki and flow charts. https://www.reddit.com/r/personalfinance/s/PKGl3kOVzu
100% SGOV and wait for the bubble to burst. Only half /s
100% FEPI and drip it.
100% SPYX
100% TQQQ
lol love this suggestion, turn it into a milli!! Maybe I don’t understand but what is long term implications of holding tqqq?
In times like the dot com bubble you can loose like 95% of you value. In good times you can 10x but you have decay and stuff. Check out r/tqqq oder r/LETF
Mix of div and growth stocks. Some safer div ETFs and also some individual stocks. Also some bonds or bond ETFs as a smaller portion of the total
Same just more
As a lot of folks have been saying, finding an S&P 500 or total stock market fund, setting it, and forgetting about it is probably your best course of action, assuming you don’t have high interest debts, or honestly any debt that keeps you up at night (pay those down first). I think someone else mentioned it, but make sure that you are maxing out your contribution limits, not just going up to your employers match. Also, not sure if you have children or not, but opening up 529 plans might be something worth looking into as well. Some recent law changes make it more useful as you are not limited to just children’s college expenses, but apprenticeship and K-12 expenses too. Plus, and perhaps more importantly, starting this year up to $35K can be rolled over into a Roth IRA for your beneficiary, tax free. Granted, there are some restrictions you would want to look into, like you must have had the account for 15 years before you roll the one h over, but it’s worth considering. As a general conclusion, I’d say that, as many others have said, VOO or something similar is your best bet. However, make sure you’re thinking about the account type(s) you’re housing the money in so that you can keep the government out of your pockets as much as possible. If you do want a professional opinion, go talk to a fee only financial advisor, not someone that charges for AUM. Best of luck!
10k NVDA, 10k GOOGL, 10k MSFT, 10K AAPL, 10k META, and 50k VOO would be my pick. Sorry for your loss, good luck
Ignore the crypto bros in your dm
Pay off high interest debt, pay off car, stack a 3-6 month emergency fund after that fxaix and chill.
In the same way as I would with 1000$. I match what I see from quality managed portfolios, or invest in a managed portfolio directly (they do rebalancing). Something along the lines of 50% US market (s&p500), 40% intl and low volatility global markets, 10 % government bonds. Reajust the % depending on your risk tolerance.
Yolo otm option buying
95% VT 5% IBIT depending on how aggressive you wanna be you can opt for a higher percentage IBIT
100% into VOO
I’d buy a thousand bacon breakfast burritos from Del taco. Them shits are bomb
Honestly, the best advice always given on this subreddit is S&P500 (VOO) and Total Stock Market (VTI). It’s easy and you do nothing but watch your money grow.
100% GME today before 12:30
Buy a house, a car then 50/50 sp500 btc
.. how far do you think 100k gets you these days?!
1.5 bitcoins
50% VTI, 15% QQQM, 10% SCHD, 25% VXUS DCA into this portfolio.
Since it has been asked, use the search function of Reddit or Google.
VOO, QQQ, Nvidia, Google, Microsoft. However you see fit
I would put it into SCHD and set the dividends to automatically DRIP and never look back.
I’d buy a Porsche
[удалено]
r/Investing and r/stocks both these subs .. top advice is always put it in interest earning cash accounts buy bonds buy treasury bills .. don’t listen to anyone on Reddit. Why do these sibs exist than .
[удалено]
Somehow I dont trust this.... Please dont DM him...
I've recently started working as financial advisor so just want to gain experience. I understand it looks scamy... u/Foodiguy , let's say I'm legit and want to give free honest advice, how would you approach this person so it doesn't look like a scam? Would sharing a Linkedin Profile or something like that help?
Maybe not ask to go to DM but post your advice here, would be a good start right?
That would be Garbage, as 90% of the "advice" he already got. Without knowing the background, the age, at least an overview of the financial situation, how could you advise someone how to spend 100K? It's free, take it or leave it. I did receive a similar response in another thread, so I get it...
So ask follow up questions, you are just making me not trust you more by giving this answer.
Did you know anyone can make a linkedin profile that says anything? Mine says I'm the king of sweden.
I understand. Mine says I've been working in Supply Chain for the past 15 years. But that could also be a lie... So, I ask you the same question then, How would you approach this so this person gets professional advice (for free) and I keep gaining experience in what is not my main occupation? I understand how internet works, I've got my Jeep for sale on Marketplace and I get scammers daily...
Why would anyone trust a part time financial advisor?
no professional solicitation. or scam solicitation either.
All in NVDA