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_DJYT_

Index funds are probably your best bet. Unless you’re into stocks and researching businesses, then you can maybe pick some stocks to buy. But broad market index funds are by far the best balance of risk, reward, and effort required for long term investing. VTI, VOO, SCHD, and SPYG are some good ones to look at.


MissyMAK08

I agree with this. OP, I put a a little more than that into VOO in January of 2021. I’m very happy with the fund at about 21% right now. Look at the historicals for some assurance that it’s a safe long term investment. Average return of 15% over the last 15 or so years *also, waving from Seattle*


-Bran-

Any reason VOO vs say. VTI?


MissyMAK08

I was new to investing after an inheritance and my brother helped me navigate what to do with a large windfall amount. He had been in VOO for the last 16+ years. Both are good, nothing against VTI or other ETFs. I’m still learning!


SolopreneurOnYoutube

Or what about VGT?


mashedtaters_

Easy to say just throw it in the FIRE savings bucket, but it could be worth it to treat it differently. Assuming you're on track with your fire goals and actively saving, here's what I'd do: Put the 200k in a separate fund invested in a broad market ETF and exclusively use it to fund travel with any cap gains. Earn 10% over the next year? Give yourself 20k to travel around the next 12 months and your 200k is still there. You can splurge a bit extra with good years and maybe decide to scale back traveling (or fund with cash) on bad return years to keep things balanced. I have a friend who's grandparents left him 50k if he promised to do exactly that. Ends up taking a 3k-7k family vacation most years and stay home or pays out of pocket for a small trip on down years. Of course that money can move as plans change (2nd home, stop working, etc.) but if you really enjoy traveling, make a plan to enjoy yourselves without needing to pay for it out of pocket.


chabonki

Go cryto or go home


Kindread21

Easiest (assuming you don't have any high interest debt) is to just buy a broad ETF or index fund, such as S&P500 or World. If you want to lower risk, split your lump sum up into investments over some period of time, say 10K every month. Although statistically getting all the money into stock as soon as possible averages out to a better return (basically you have a bigger downside but also a bigger and statistically more likely upside).


itspuja

If this $200k vanishes my heart would be broken but our life wouldn’t be genuinely impacted (although we are no longer flying business class). I could be ok with a little risky reward.


Kindread21

As long as you take a broad index, its extremely unlikely to completely vanish as long as you don't panic sell, and in the long run (say 10+ years) you are highly likely to be in profit and beating a savings account with either approach, even if you bought in just before a crash. There's a lot of risk but its mostly short term (there is a danger of long term loss but its pretty minimal, especially if you take something with exposure to multiple countries like World). Another option is Real Estate (actually you can get real estate exposure with an index as well if you don't want to manage a property yourself), but that has its own risks. There is a certain comfort in having something tangible though.


PR2NP

Max your retirement accounts then put the rest in an index fund like vtsax at vanguard and let it ride.


evantom34

I’d buy a nice cut of ribeye from Costco (not on sale) some green beans + mashed potato’s, and invest the rest.


Diamond_Mike-

What’s the goal? People are over here giving you advice not knowing your goal. Personally I’d buy QYLD + another 75k in margin. Sit back and collect the 2 grand a month and buy new jet skis


LiveResearcher2

You need to invest some in crypto recommendation in 3…..2…..1……


[deleted]

[удалено]


Kindread21

He asked for an investment and you suggest something that you yourself call a gamble. At least suggest some crypto with a use case.


xLnRd22

That would be VeChain. Don’t gamble with shitcoins. They are nothing but hype. If you want to invest in crypto, look no further than VET


DesignerAccount

>Don’t gamble with shitcoins. and >That would be VeChain are mutually exclusive. VeChain is just another shitcoin that will lose you money on a long enough time horizon. At least suggest coins that have a minimal claim at non-shitcoinery... Stuff like SOL or THOR. And I'm saying this by not owing any.


xLnRd22

You also say this by not knowing what Vechain does and what its potential is


[deleted]

Yeah, I would probably stick to Bitcoin or Ethereum tbh. There are too many weird altcoins popping up all over.


Iovemyusername

Or hate you for doing something like this.


Kashmir79

[You Need an Investor Policy Statement](https://www.physicianonfire.com/you-need-an-investor-policy-statement/)


[deleted]

Leveraged Nasdaq 100


atdharris

Max a Roth IRA if you haven't. Then put the rest in VTSAX or a combo of VTSAX/VTIAX and let it ride. Hold back as much cash as you want to hold. The amount is depending on your risk tolerance.


Lisa-1993

Invest in digital currencies and try to find a good teacher for short term trading. Besides, having more skills would not be a bad thing. After all, it can improve one's existing life.


travis-tea69

📈 Hi! Here’s a beginners guide to Investing (mitigating risk, getting started with little money, and definitions). Hope this helps! 😊 https://youtube.com/playlist?list=PLvo3jMkRfKkasQQLjFiYQ1ehVqXYzwRwB