N*****d
发帖数: 310 | 1 如果有10万美元现金，应该如何增值呢。如果投资，投资在哪些方面？如果存银行，怎
么存款更好？其他方面，还能如何增值？ | c******7
发帖数: 439 | | v***t
发帖数: 27100 | 3 不限
越高越好
【在 c******7 的大作中提到】
: 投资周期多长?
: 期待年化回报率多少?
| H******9
发帖数: 8087 | 4 现在金价便宜，买这个？
【在 N*****d 的大作中提到】
: 如果有10万美元现金，应该如何增值呢。如果投资，投资在哪些方面？如果存银行，怎
: 么存款更好？其他方面，还能如何增值？
| c**********0
发帖数: 624 | 5 1. what are your goals
2. what are your current investment portfolio
3. what's your risk tolerance
4. what's your current financial status (net worth statement and cash flow) | N*****d
发帖数: 310 | 6 投资周期不要太长1-3年吧。回报较高。很多常识不懂，哪里能找到资源学习一下啊，
请多指点啊
【在 c******7 的大作中提到】
: 投资周期多长?
: 期待年化回报率多少?
| N*****d
发帖数: 310 | 7 暂时不想买房)，闲着，多可惜啊
方面的资料看看啊
，能多几个钱，就行了。
)：这是啥？就是挣工资，没其他收入。 | c******g
发帖数: 2323 | 8 1-3 years is too short, u should ask in "stock" as well. | c**********0
发帖数: 624 | 9 Correct me if this is not what you want and in:
1. the main reason you want to invest is to preserve capital, but you do not
have any idea about what to use with the money so far.
2. Your investment horizon is at least 5 years, or it needs to be in money
market mutual funds.
3.You have a moderate risk tolerance.
4. Your allocation other than your human capital is all cash equivalent now.
Given these there are some suggestions:
1.List some goals you need to do, such as buying a house, save for
retirement, save for education, save for emergency, save for a new car, save
for your kids.
2. save 3-6 months money as emergency funds.
3. Check whether you have enough coverage for insurance. If you net worth is
high enough, make sure you have liability coverage enough and may consider
add umbrella.
If you do not have any life insurance (the one offered by your employer is
not enough) but you have dependents such as kids, you may consider purchase
life insurance with some of your money.
4. In general, investment would be easier if goal oriented.
5. Maybe take the traditional approach of 60% in stock and 40% in bond.
Invest long term in a balanced bond would be fine for you in preserving your
capital and realized some gains based on the risks you take. And also
sometimes we use "Core-satellite" approach by combing a index fund with a
high risk small cap fund.
Hope this helps. Regarding the actual selection of your investment vehicles,
that's a different task. | x*******d
发帖数: 196 | 10 Lending club
buy enough notes, lower risk than stock while still having meaningful gain | j*****e
发帖数: 93 | 11 Same question here.
How to start item 5? Especially bonds choice. and I heard some other loan
invest, anyway, what invest can give 5-15% benefit and how to start with
them?
is there a quick catch up introduction?
not
now.
save
【在 c**********0 的大作中提到】
: Correct me if this is not what you want and in:
: 1. the main reason you want to invest is to preserve capital, but you do not
: have any idea about what to use with the money so far.
: 2. Your investment horizon is at least 5 years, or it needs to be in money
: market mutual funds.
: 3.You have a moderate risk tolerance.
: 4. Your allocation other than your human capital is all cash equivalent now.
: Given these there are some suggestions:
: 1.List some goals you need to do, such as buying a house, save for
: retirement, save for education, save for emergency, save for a new car, save
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