Comments on: Investment advice?

By: avi s

avi s — Sat, 07 Nov 2009 17:16:16 +0000

SAFEST us t-bILLS although the standard is mutual funds bonds or annuities, if you want the money to grow you will have to water it. I would say that options on stocks if following a strick bussiness plan will be the highest return and a known fix gamble. Put half in bonds or bills and check out chicago one best option traders I know.

By: bizzbagg

bizzbagg — Sat, 07 Nov 2009 16:54:24 +0000

you should be in 80% in stocks, 20% in bonds

BIZBAG SECURITY ANALYSIS
Frank J Kelly Jr
analysts

By: Richard J

Richard J — Sat, 07 Nov 2009 16:04:12 +0000

Alan,
You are right on the money with an annuity! Tax deferral is a wonderful thing and thats exactly what you get with an annuity.

I would, however, take it one step further and examine Variable Annuities.

A Variable Annuity is also tax deferred and designed for retirement but offers you the opportunity to select various mutual funds inside the annuity.

You have a very long time frame if you are seeking retirement after 60 or so, making mutual funds a more than appropriate choice for you.

If you are risk adverse there are even Variable Annuities that offer Guarantees.

These guarantees protect the death benefit to your beneficiaries. Others offer a fixed retirement income to you even if the stock market makes all your money disappear.

By: walt17jr

walt17jr — Sat, 07 Nov 2009 15:57:11 +0000

With your time frame, I would recommend a broad market mutual fund. There is obviously more risk than in CDs or bonds. But over the 20 plus years of your investment, I think the market risk is less than the very real risk of inflation. The mutual funds also provide reasonable growth prospects. Significantly more than a CD or bond.

Take a look at Vanguard. Two that I would suggest are VTSMX and VGTSX. VTSMX is a total US stock market index fund. VGTSX is an international fund. You will have the whole world covered with those two.

By: regerugged

regerugged — Sat, 07 Nov 2009 15:52:15 +0000

If you are in the US, the safest investments are CD’s. Both the principal and income are guaranteed.
With fixed annuities, the real interest rate is about 4%.
Since you have about 25 years to go, I suggest investing in a mutual fund that tracks the S & P 500. S & P are constantly updating their mix of stocks, so you will be owning the top large companies. You might get an annual return, over the long run, of about 10% per year.