Just curious as to what you ladies have invested in. Real estate stocks bonds mutual funds etfs?! CDs? There's so much out there. Also do you regret any of it?
Just curious as to what you ladies have invested in. Real estate stocks bonds mutual funds etfs?! CDs? There's so much out there. Also do you regret any of it?





Stocks and bonds. (Bonds, mostly treasury, but a few corporate and one municipal with a dedicated funding source.) Oil and gas, mostly unit investment trusts, but I do hold a couple companies as a shareholder. I used to fix and flip houses, but the last one taught me that I didn't know real estate near well enough to go beyond buying a place I wanted to live in, fix it up and flip it. I realized I knew a lot more about the stock market than real estate.
I do hold most of my emergency fund in FDIC insured certificates of deposit. I divide the fund into short term CDs that mature each month of the year. Assuming I don't need the emergency money in a given month, I put a little more money into the CD and buy a new one that will mature in one year. That way, my emergency fund is always available to me. In theory, BF and I could live with no income for 12 months just off our emergency fund CDs.
So far just an IRA but I want to get into some other investments. Eventually I'd like to invest in stocks, real estate / land, lumber, oil, etc.
Last edited by miss.a.p1600; 09-12-2015 at 10:17 PM.
“Cook for him like a housewife, fuck him good like a nympho….pay the rent and the car note, he invests in me like crypto”





Real Estate ( no regrets ! )
Small amount of stocks
Roth IRA contributions for 12 years so far ( started very early )





Weapons and human organ trafficking .![]()
"Fake tits are like Kevlar. They don't guarantee your chances of survival but they sure as hell improve it."
Tempest





Real estate, land, equities, precious metals, options, small businesses.
Real estate is more difficult than people think, and I have trouble investing against fundamentals so I miss "booms". Equities I got too emotionally involved in and it consumed my life. I worked on a desk and was into it 24/7, not healthy. Options are fun if you like excitement, but they require more discipline than I have to make money. Strangely, I have a little talent for precious metals; they ALWAYS come back to norm over a long time so you can really pick and choose based on research. There's no work, no city council, no tenants, no taxes, no time value decay, you just buy at the right time, hold and forget.





I mostly invest in Commercial RE - have 2 buildings so far.

Stocks, mutual funds, hedge funds, private equity, real estate - directly owned as well as limited partnerships.
People should bear in mind that the format is typically less pertinent than the asset class and its risk profile. For example if you're buying some Indian stocks that trade as ADR's on the NY exchange, it's probably closely equivalent (in terms of the correlation of their returns) to a mutual fund that invests exclusively in Indian stocks.
IRA's are not an asset class per se. They're an investment vehicle with certain tax advantages, and restrictions relating to early withdrawal. So if you open a Vanguard IRA brokerage account, you can invest the money in stocks, bonds, funds, etc., within that account. I think Roth IRA's are great, as long as you have the discipline and resources to leave it in there at least to 59.5, and preferably as long as possible thereafter.

Stocks, mutual funds, hedge funds, private equity, real estate - directly owned as well as limited partnerships.
People should bear in mind that the format is typically less pertinent than the asset class and its risk profile. For example if you're buying some Indian stocks that trade as ADR's on the NY exchange, it's probably closely equivalent (in terms of the correlation of their returns) to a mutual fund that invests exclusively in Indian stocks.
IRA's are not an asset class per se. They're an investment vehicle with certain tax advantages, and restrictions relating to early withdrawal. So if you open a Vanguard IRA brokerage account, you can invest the money in stocks, bonds, funds, etc., within that account. I think Roth IRA's are great, as long as you have the discipline and resources to leave it in there at least to 59.5, and preferably as long as possible thereafter.

Currently, my retirement portfolio utilizes a variety of investment vehicles, but they are all invested primarily in index mutual funds to keep investing expenses low. Specifically, these index funds are for asset classes with as low a correlation to each other as possible, so that they don't all rise or fall at the same time during market volatility. Specifically, my retirement portfolio is invested in a large cap stock index fund (tracks S&P 500 index), a mid/small cap stock index fund (tracks Wilshire or Russell index), a foreign stock index fund (covers both developed and emerging market sectors), a REIT index fund (covers commercial real estate sector), a long-term US Treasury bond index fund (10-20 years US Treasury duration), a gold ETF (GLD), and cash or cash equivalent (2 year US Treasury duration) to purchase more of any the foregoing funds right after they take a recent beating to buy them at a discount. I stay away from individual stocks because my timing is imperfect.





A REET. I feel good about it.

Don't feel bad, I felt the same way 15-20 years ago. A good start for you might be picking up one of David Bach's books (e.g. "The Automatic Millionaire," etc.) from a local bookstore. They're cheap paperbacks and an easy read. They're probably in audio format if you prefer that medium. After reading one of his books you will start to think about investing more seriously.
Next, I recommend you spend some time reading a forum that is devoted to investments. There are several, but one I highly recommend is the Bogleheads forum. I don't necessarily advocate their investment strategies, but you will find a ton of advice on different types of investments and, more importantly, it will help you decipher various investment terms that make you feel ignorant right now. I won't attach a link to their forum, so you will have to do a google search for it. I guarantee that you will feel a lot more confident about investing after you spend some time reading the Bogleheads forum.
Real estate, stock/mutual funds, insurance products , firearms, ammo, I might convert most of my retirement funds into CDAs, and yes CDAs is one of the key products that screwed insurance companies over in 2008. The NAIC is working on the framework for regulating the insurers who provide CDA products. So i will wait. I do have 401k sitting around but no more than 50k in it.
"Contingent deferred annuities (CDAs) are a buy-in product that emerged onto the scene in 2008 as a way of guaranteeing invested assets not held by an insurer. Their benefits are very similar to variable annuities with guaranteed lifetime withdrawal benefits (GLWB), as they provide protection against outliving one’s assets. CDAs allow investment owners to insure their investments against longevity risk without actually purchasing a variable annuity"
I like being alone, I just don't like being lonely.

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