Results 1 to 19 of 19

Thread: What have you personally invested in?

  1. #1
    Veteran Member Neonsugar's Avatar
    Joined
    Jun 2013
    Posts
    335
    Thanks
    0
    Thanked 478 Times in 119 Posts

    Default What have you personally invested in?

    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?

  2. #2
    God/dess Zofia's Avatar
    Joined
    Apr 2002
    Location
    Durham, North Carolina
    Posts
    2,417
    Thanks
    2,964
    Thanked 2,370 Times in 934 Posts

    Default Re: What have you personally invested in?

    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.

  3. The Following 8 Users Say Thank You to Zofia For This Useful Post:


  4. #3
    God/dess miss.a.p1600's Avatar
    Joined
    Jul 2012
    Posts
    16,439
    Thanks
    47,040
    Thanked 34,923 Times in 12,870 Posts
    My Mood
    Aggressive

    Default Re: What have you personally invested in?

    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”

  5. The Following 2 Users Say Thank You to miss.a.p1600 For This Useful Post:


  6. #4
    God/dess carmen_b's Avatar
    Joined
    Apr 2007
    Location
    the mountains ....
    Posts
    14,202
    Thanks
    15,165
    Thanked 21,346 Times in 9,308 Posts

    Default Re: What have you personally invested in?

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

  7. The Following 2 Users Say Thank You to carmen_b For This Useful Post:


  8. #5
    God/dess tempest666's Avatar
    Joined
    Sep 2008
    Location
    Hamburg, Pennsylvania
    Posts
    10,607
    Thanks
    2,705
    Thanked 13,685 Times in 4,414 Posts
    Blog Entries
    5
    My Mood
    In Love

    Default Re: What have you personally invested in?

    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

  9. The Following 7 Users Say Thank You to tempest666 For This Useful Post:


  10. #6
    Moderator
    Joined
    Sep 2012
    Posts
    2,508
    Thanks
    4,404
    Thanked 3,977 Times in 1,532 Posts

    Default Re: What have you personally invested in?

    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.

  11. The Following User Says Thank You to Bahuba For This Useful Post:


  12. #7
    Moderator
    Joined
    Sep 2012
    Posts
    2,508
    Thanks
    4,404
    Thanked 3,977 Times in 1,532 Posts

    Default Re: What have you personally invested in?

    Quote Originally Posted by miss.a.p1600 View Post
    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.
    Lumber is so great - they come in and do all the work for you. The trouble is the multiple is very low if you're buying the land. It's hard to get even a 3% return.

  13. The Following User Says Thank You to Bahuba For This Useful Post:


  14. #8
    Curious Guest
    Joined
    Aug 2012
    Posts
    4
    Thanks
    0
    Thanked 7 Times in 2 Posts

    Default Re: What have you personally invested in?

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

  15. The Following 3 Users Say Thank You to Miles For This Useful Post:


  16. #9
    Member
    Joined
    Nov 2002
    Posts
    21
    Thanks
    25
    Thanked 15 Times in 9 Posts

    Default Re: What have you personally invested in?

    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.

  17. The Following User Says Thank You to James For This Useful Post:


  18. #10
    Member
    Joined
    Nov 2002
    Posts
    21
    Thanks
    25
    Thanked 15 Times in 9 Posts

    Default Re: What have you personally invested in?

    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.

  19. #11
    Member
    Joined
    Sep 2014
    Posts
    57
    Thanks
    0
    Thanked 72 Times in 35 Posts

    Default Re: What have you personally invested in?

    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.

  20. #12
    God/dess Flickdreams's Avatar
    Joined
    Aug 2009
    Location
    Look behind you....
    Posts
    3,406
    Thanks
    5,155
    Thanked 4,132 Times in 1,638 Posts

    Default Re: What have you personally invested in?

    I feel pretty ignorant reading this thread; cant decipher the language.
    Tiny tweaks----->BIG CHANGES

    Quote Originally Posted by Kirakonstantin View Post
    More fear-mongering? Really? Yes, this is not the 1990's anymore. Yes, things are changing. Either dance or don't. Freaking out and sowing fear isn't going to help anyone.




  21. The Following 5 Users Say Thank You to Flickdreams For This Useful Post:


  22. #13
    God/dess SnuffleUffleGrass's Avatar
    Joined
    Mar 2009
    Location
    HearstCastle, Rosebud
    Posts
    8,848
    Thanks
    22,676
    Thanked 17,513 Times in 6,696 Posts
    My Mood
    Angelic

    Default Re: What have you personally invested in?

    A REET. I feel good about it.

  23. #14
    Featured Member Cashmere Star's Avatar
    Joined
    Dec 2013
    Location
    cloud9
    Posts
    825
    Thanks
    1,518
    Thanked 1,549 Times in 575 Posts

    Default Re: What have you personally invested in?

    My stocks and Roth IRA went to the shitters. Dammit, China.


    Weekly earning target: $1000
    Saving for: school, traveling, rainy day fund

    Quote Originally Posted by charlie61 View Post
    What would "future you" want you to do right now?




  24. #15
    Member
    Joined
    Sep 2014
    Posts
    57
    Thanks
    0
    Thanked 72 Times in 35 Posts

    Default Re: What have you personally invested in?

    Quote Originally Posted by Flickdreams View Post
    I feel pretty ignorant reading this thread; cant decipher the language.
    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.

  25. The Following 6 Users Say Thank You to Danny Ocean For This Useful Post:


  26. #16
    Member mav2199's Avatar
    Joined
    Sep 2015
    Location
    SoCal
    Posts
    27
    Thanks
    5
    Thanked 42 Times in 15 Posts

    Default Re: What have you personally invested in?

    Quote Originally Posted by tempest666 View Post
    Weapons and human organ trafficking .
    That's how you diversify my friend!

  27. #17
    God/dess Flickdreams's Avatar
    Joined
    Aug 2009
    Location
    Look behind you....
    Posts
    3,406
    Thanks
    5,155
    Thanked 4,132 Times in 1,638 Posts

    Default Re: What have you personally invested in?

    Thanks Danny, Its nice to meet a relatively new member (and a blue at that) that is helpful and not OTT.
    Tiny tweaks----->BIG CHANGES

    Quote Originally Posted by Kirakonstantin View Post
    More fear-mongering? Really? Yes, this is not the 1990's anymore. Yes, things are changing. Either dance or don't. Freaking out and sowing fear isn't going to help anyone.




  28. The Following 2 Users Say Thank You to Flickdreams For This Useful Post:


  29. #18
    God/dess baer45's Avatar
    Joined
    Mar 2015
    Posts
    3,004
    Thanks
    1,769
    Thanked 5,118 Times in 2,209 Posts

    Default Re: What have you personally invested in?

    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.




  30. #19
    Member
    Joined
    Sep 2014
    Posts
    57
    Thanks
    0
    Thanked 72 Times in 35 Posts

    Default Re: What have you personally invested in?

    Quote Originally Posted by Cashmere Star View Post
    My stocks and Roth IRA went to the shitters. Dammit, China.
    Hopefully you and others stayed the course and didn't sell your stocks during the market correction last month. As of today, the stock market has fully recouped its losses that started in August after a fantastic, but unforeseeable, month of October (so far).

Similar Threads

  1. Do you take this job personally?
    By sexywinter in forum Camming Connection
    Replies: 8
    Last Post: 06-03-2012, 05:38 PM
  2. Replies: 37
    Last Post: 06-27-2008, 10:04 AM
  3. how much invested to yeild 36k/year income?
    By poca-sita in forum Dollar Den
    Replies: 11
    Last Post: 03-17-2008, 12:41 AM
  4. Seeing people I personally know in the club
    By Heaven777 in forum Newbie Board
    Replies: 4
    Last Post: 04-09-2005, 11:09 PM

Bookmarks

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •