Have 100k for investment- where would you put it?

[Anonymous]

I have 100k. This is separate from our emergency funds, college savings, and retirement, plus our house is paid off. We have a lot in the stock market so I hesitate a bit to put it in a taxable index fund. What should I do?

[Anonymous]

A lot of people having same issue. Really no good options out there.

[Anonymous]

Part of the reason the market keeps going up, no other place to put it

[Anonymous]

Anonymous wrote:Part of the reason the market keeps going up, no other place to put it

DP.. yea, I looked into different options, talked to my financial advisors, and unless you want .01% interest rate, your best bet is a lower risk fund/bond in the stock market. That's where my extra $100K went.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Part of the reason the market keeps going up, no other place to put it

DP.. yea, I looked into different options, talked to my financial advisors, and unless you want .01% interest rate, your best bet is a lower risk fund/bond in the stock market. That's where my extra $100K went.

Specifically what did you end up buying?

[Anonymous]

Anonymous wrote:

Anonymous wrote:Part of the reason the market keeps going up, no other place to put it

DP.. yea, I looked into different options, talked to my financial advisors, and unless you want .01% interest rate, your best bet is a lower risk fund/bond in the stock market. That's where my extra $100K went.

I literally have no idea what you mean by a “lower risk fund/bond in the stock market” but I would never invest in the stock market just because I thought interest rates on bonds were too low. They are different investments with different risk profiles and aren’t interchangeable like that. If you want fixed income over .1% interest there are certainly options— ibonds are an obvious one.

But the question for OP to answer for themselves is what is their time horizon and what is their risk profile and then knowing those they can find an asset allocation. If this is money you don’t want to touch for 20 years I wouldn’t worry about where the market is today, and likewise if it’s money you plan to use in the next 5 years you probably shouldn’t put it in the market no matter where you think its going.

[Anonymous]

Bitcoin

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Part of the reason the market keeps going up, no other place to put it

DP.. yea, I looked into different options, talked to my financial advisors, and unless you want .01% interest rate, your best bet is a lower risk fund/bond in the stock market. That's where my extra $100K went.

I literally have no idea what you mean by a “lower risk fund/bond in the stock market” but I would never invest in the stock market just because I thought interest rates on bonds were too low. They are different investments with different risk profiles and aren’t interchangeable like that. If you want fixed income over .1% interest there are certainly options— ibonds are an obvious one.

But the question for OP to answer for themselves is what is their time horizon and what is their risk profile and then knowing those they can find an asset allocation. If this is money you don’t want to touch for 20 years I wouldn’t worry about where the market is today, and likewise if it’s money you plan to use in the next 5 years you probably shouldn’t put it in the market no matter where you think its going.

It really depends... I would say I would not need the money for at least 10 years, but possibly after that. It really depends on my children and what they end up doing. Because my husband works for a university they will have free tuition there, should they choose to go. This would free up their 529 funds for graduate school.

[Anonymous]

Direct purchase muni bonds
I bonds
PFF
High yield savings (Ha)
Brokered CD
Bank Trups

[Anonymous]

What is a bank trip?

[Anonymous]

*trup

[Anonymous]

Anonymous wrote:I have 100k. This is separate from our emergency funds, college savings, and retirement, plus our house is paid off. We have a lot in the stock market so I hesitate a bit to put it in a taxable index fund. What should I do?

Wonder if a lot in the stock market means 401k's and other mutual funds? Explore getting into the next level of that with individual stocks. Use 15k to start work up slowly from there. Organize the effort, develop your own portfolio rules, track progress, learn as much as possible.

[Anonymous]

Anonymous wrote:

Anonymous wrote:I have 100k. This is separate from our emergency funds, college savings, and retirement, plus our house is paid off. We have a lot in the stock market so I hesitate a bit to put it in a taxable index fund. What should I do?

Wonder if a lot in the stock market means 401k's and other mutual funds? Explore getting into the next level of that with individual stocks. Use 15k to start work up slowly from there. Organize the effort, develop your own portfolio rules, track progress, learn as much as possible.

I have about 30k in one stock and I don’t want to put any more money than that. I’ve experimented with individual stock purchases and it’s not for me!

[Anonymous]

Donate it to a food bank.

[Anonymous]

Anonymous wrote:A lot of people having same issue. Really no good options out there.

Lol right! Only on DCUM are a lot of people sitting on $100k with no mortgage and already significant stock investments. 🤦‍♀️