Author

Topic: Investment advice? (Read 5273 times)

sr. member
Activity: 266
Merit: 250
June 24, 2014, 09:30:47 PM
#91
Simple investment drop some funds into BTC with what you can afford to and then trade along the waves buying low selling high and trading with it. Also take some of it to alt markets and playing with them and building your coins up and then once you get to a good figure start taking profit for yourself and continue to build on a 60/40 ratio keeping 60% taking 40% for yourself and continue to gradually build up.
Simple well-known strategy but how little people really get profits from it. Easy saying than doing.
This would be good for an investment that has gradual but strong ups and downs with the highs being higher each round of volatility
legendary
Activity: 1596
Merit: 1000
June 24, 2014, 02:58:47 AM
#90
Simple investment drop some funds into BTC with what you can afford to and then trade along the waves buying low selling high and trading with it. Also take some of it to alt markets and playing with them and building your coins up and then once you get to a good figure start taking profit for yourself and continue to build on a 60/40 ratio keeping 60% taking 40% for yourself and continue to gradually build up.
Simple well-known strategy but how little people really get profits from it. Easy saying than doing.
sr. member
Activity: 448
Merit: 250
It's Money 2.0| It’s gold for nerds | It's Bitcoin
June 23, 2014, 11:11:03 PM
#89
Forget Wall Street. On bitcointalk you get better, free, 'round the clock advice!


These forums have advice given by people who are not experts, you have no real way to knowing for sure if they know what they are talking about. A lot of the advice is riddled with conflict of interest.

Those so called experts advice is not that much better than advice anyone else would have given you.

One must do his own homework before committing any long term investment/action.

A financial adviser has a fiduciary duty to give you advice that is appropriate to your situation.   

Newspeak for... can only advice you to follow the sheep, else he will face a law suit.
It means that if you have a certain risk tolerance then he cannot recommend you invest in something that carries more risk and cannot mislead you as to the potential risk of your investments.   
hero member
Activity: 756
Merit: 506
June 23, 2014, 11:02:17 PM
#88
Wow - Tom Leykis had a few Bitcoin calls today.  I wonder if it was my post?   Shocked
member
Activity: 72
Merit: 10
June 23, 2014, 03:37:19 PM
#87
I would only invest in things that you will have 100 percent control over so Bitcoin in a wallet that only you control, gold and silver hidden somewhere where only you and one other family member know where to find it.
legendary
Activity: 1512
Merit: 1005
June 23, 2014, 03:58:55 AM
#86
Forget Wall Street. On bitcointalk you get better, free, 'round the clock advice!


These forums have advice given by people who are not experts, you have no real way to knowing for sure if they know what they are talking about. A lot of the advice is riddled with conflict of interest.

Those so called experts advice is not that much better than advice anyone else would have given you.

One must do his own homework before committing any long term investment/action.

A financial adviser has a fiduciary duty to give you advice that is appropriate to your situation.   

Newspeak for... can only advice you to follow the sheep, else he will face a law suit.
hero member
Activity: 756
Merit: 506
June 23, 2014, 01:43:11 AM
#85
Tom Leykis on monday has a segment called "money mondays".  IIRC, he's a fan of Roth IRA and he likes his EFTs at Vanguard Mutual.  He doesn't like Bitcoin, though.    Tongue

 

He always says go with a fee based financial advisor.  The problem with a "free" financial advisor is they make money by referring you to  buy their assets or they collect a kickback somehow, it's a conflict of interest.
sr. member
Activity: 644
Merit: 260
June 23, 2014, 01:37:16 AM
#84
Forget Wall Street. On bitcointalk you get better, free, 'round the clock advice!


These forums have advice given by people who are not experts, you have no real way to knowing for sure if they know what they are talking about. A lot of the advice is riddled with conflict of interest.

Those so called experts advice is not that much better than advice anyone else would have given you.

One must do his own homework before committing any long term investment/action.

A financial adviser has a fiduciary duty to give you advice that is appropriate to your situation.   
legendary
Activity: 1067
Merit: 1000
June 21, 2014, 02:19:31 PM
#83
Forget Wall Street. On bitcointalk you get better, free, 'round the clock advice!


These forums have advice given by people who are not experts, you have no real way to knowing for sure if they know what they are talking about. A lot of the advice is riddled with conflict of interest.

Those so called experts advice is not that much better than advice anyone else would have given you.

One must do his own homework before committing any long term investment/action.
sr. member
Activity: 266
Merit: 250
June 21, 2014, 01:56:45 PM
#82
Forget Wall Street. On bitcointalk you get better, free, 'round the clock advice!


These forums have advice given by people who are not experts, you have no real way to knowing for sure if they know what they are talking about. A lot of the advice is riddled with conflict of interest.
legendary
Activity: 1512
Merit: 1005
June 19, 2014, 08:05:45 PM
#81
Forget Wall Street. On bitcointalk you get better, free, 'round the clock advice!
sr. member
Activity: 448
Merit: 250
It's Money 2.0| It’s gold for nerds | It's Bitcoin
June 19, 2014, 07:43:16 PM
#80
Free advice ..

No matter how little or how much you make ..
  
1) Pay yourself first out of each and every paycheck
2) Open a Roth IRA
3) Invest in companies that raise their dividend on at least an annual basis
4) Re-invest the dividend income in additional shares
5) Sell and replace any investment that fails to raise it's dividend on schedule
6) Rinse and repeat
7) This process will replace and exceed your work income over time

This works !!

Triff ..

This is probably one of the best advice on this thread. As fun as it is to invest in bitcoin it can be extremely risky and is really more like speculation then investing.
legendary
Activity: 1820
Merit: 1001
June 19, 2014, 06:43:13 PM
#79
Simple investment drop some funds into BTC with what you can afford to and then trade along the waves buying low selling high and trading with it. Also take some of it to alt markets and playing with them and building your coins up and then once you get to a good figure start taking profit for yourself and continue to build on a 60/40 ratio keeping 60% taking 40% for yourself and continue to gradually build up.
full member
Activity: 151
Merit: 100
June 19, 2014, 06:31:09 PM
#78
How about this is the best advise you will get on this board I promise you......


It is always easier to tell someone else how to spend their money, cause you are not at risk of losing it. Asking investment advice on this board is like asking a 5 year old to do your taxes.

Exactly.

And people take credit if market happen to go their way and stay quiet if your investment blow up.

Just ignore what everyone said here and make decision on your own using your own knowledge and judgement. Regardless of how things turn out, you will be the only one responsible for your action.
full member
Activity: 224
Merit: 100
June 19, 2014, 05:38:44 PM
#77
How about this is the best advise you will get on this board I promise you......


It is always easier to tell someone else how to spend their money, cause you are not at risk of losing it. Asking investment advice on this board is like asking a 5 year old to do your taxes.
sr. member
Activity: 952
Merit: 251
June 19, 2014, 05:31:43 PM
#76
Free advice ..

No matter how little or how much you make ..
  
1) Pay yourself first out of each and every paycheck
2) Open a Roth IRA
3) Invest in companies that raise their dividend on at least an annual basis
4) Re-invest the dividend income in additional shares
5) Sell and replace any investment that fails to raise it's dividend on schedule
6) Rinse and repeat
7) This process will replace and exceed your work income over time

This works !!

Triff ..
sr. member
Activity: 266
Merit: 250
June 17, 2014, 10:46:08 PM
#75
Why not invests in a UNIQUE idea you have, which is about bitcoin also ?

Or, you can buy bitcoins now, hold them, and then sell them for high price.


And what happen if bitcoin keeps dropping ?


Then you would lose money, like what would happen with any other investment

You don't lose money until you realize the loss and actually sell at a loss. Otherwise, you could still make profit... even if the price falls. Unless you are long on margin and get margin called...

That kind of thinking is that of a compulsive gambler
newbie
Activity: 52
Merit: 0
June 17, 2014, 12:10:44 PM
#74
You should be long-term holding bitcoins
sr. member
Activity: 448
Merit: 250
It's Money 2.0| It’s gold for nerds | It's Bitcoin
June 16, 2014, 06:25:13 PM
#73
Why not invests in a UNIQUE idea you have, which is about bitcoin also ?

Or, you can buy bitcoins now, hold them, and then sell them for high price.


And what happen if bitcoin keeps dropping ?


Then you would lose money, like what would happen with any other investment

You don't lose money until you realize the loss and actually sell at a loss. Otherwise, you could still make profit... even if the price falls. Unless you are long on margin and get margin called...

On paper it would still be a loss. If the price is below what you paid for it then you should understand that it is showing as a loss and should not assume that the price will go back up.
full member
Activity: 196
Merit: 100
June 16, 2014, 03:18:45 PM
#72
Why not invests in a UNIQUE idea you have, which is about bitcoin also ?

Or, you can buy bitcoins now, hold them, and then sell them for high price.


And what happen if bitcoin keeps dropping ?


Then you would lose money, like what would happen with any other investment

You don't lose money until you realize the loss and actually sell at a loss. Otherwise, you could still make profit... even if the price falls. Unless you are long on margin and get margin called...
sr. member
Activity: 448
Merit: 250
It's Money 2.0| It’s gold for nerds | It's Bitcoin
June 16, 2014, 01:52:07 PM
#71
Why not invests in a UNIQUE idea you have, which is about bitcoin also ?

Or, you can buy bitcoins now, hold them, and then sell them for high price.


And what happen if bitcoin keeps dropping ?


Then you would lose money, like what would happen with any other investment
sr. member
Activity: 364
Merit: 250
June 16, 2014, 08:24:54 AM
#70
I can also suggest you to start resume writing. Its a home-based services. There is a good chance you'll have plenty of work to keep you busy. Many people are opting for the professional approach to having their resume written, in hopes that it helps up their chances of being hired. Its also a good source of earning in this bad economy.
You are correct, as now there is very bad economy. So you have to plan well where will you go. You can also go for Government contracts, no matter how bad the economy is, the government keeps on a spending. There are many opportunities for government contracts if you have a product or service they need. So keep this in mind also while deciding your business.
sr. member
Activity: 448
Merit: 250
June 16, 2014, 08:09:57 AM
#69
I can also suggest you to start resume writing. Its a home-based services. There is a good chance you'll have plenty of work to keep you busy. Many people are opting for the professional approach to having their resume written, in hopes that it helps up their chances of being hired. Its also a good source of earning in this bad economy.
sr. member
Activity: 448
Merit: 250
June 16, 2014, 07:45:44 AM
#68
Thanks for the great advice everyone. I think I will use my funds to try start a small side business! I'm not too sure about Forex and don't like playing with stocks .
And I realized what Sana said about fixed deposit and inflation rates is right. I would be able to get higher returns through other forms of investments. I don't really mind the risk as long as it is reasonable.
Nice to hear that finally you have decided your goal and will invest in right direction. If you don't mind i would like to ask in which sector you are going to start your small business.
sr. member
Activity: 378
Merit: 250
June 16, 2014, 07:21:53 AM
#67
Thanks for the great advice everyone. I think I will use my funds to try start a small side business! I'm not too sure about Forex and don't like playing with stocks .
And I realized what Sana said about fixed deposit and inflation rates is right. I would be able to get higher returns through other forms of investments. I don't really mind the risk as long as it is reasonable.
legendary
Activity: 1596
Merit: 1000
June 16, 2014, 02:00:26 AM
#66
Why not invests in a UNIQUE idea you have, which is about bitcoin also ?

Or, you can buy bitcoins now, hold them, and then sell them for high price.

And what happen if bitcoin keeps dropping ?

If you scare to invest, just put them in saving account then drink the coffee.
full member
Activity: 343
Merit: 100
June 15, 2014, 12:16:25 PM
#65
Why not invests in a UNIQUE idea you have, which is about bitcoin also ?

Or, you can buy bitcoins now, hold them, and then sell them for high price.


And what happen if bitcoin keeps dropping ?
sr. member
Activity: 448
Merit: 250
It's Money 2.0| It’s gold for nerds | It's Bitcoin
June 15, 2014, 12:01:21 PM
#64
i like invest, and always invest, but if big invest big risk got scammer -___-

This is why it is important to only invest in things that you truly understand.

It is also why you need to remember to due your due diligence.

Above all if something sounds too good to be true then it probably is.
sr. member
Activity: 252
Merit: 250
June 15, 2014, 11:50:28 AM
#63
Why not invests in a UNIQUE idea you have, which is about bitcoin also ?

Or, you can buy bitcoins now, hold them, and then sell them for high price.
full member
Activity: 174
Merit: 100
June 15, 2014, 11:31:26 AM
#62
Become a slum lord.

Use that money to buy foreclosed home. Then fix it up and rent it out.
legendary
Activity: 1512
Merit: 1005
June 15, 2014, 08:46:07 AM
#61
Go all in. Yes, I'm allowed to say that.

legendary
Activity: 1582
Merit: 1196
Reputation first.
June 15, 2014, 06:15:18 AM
#60
With 20% of your capital, buy some bitcoin, then insert it in a paper wallet Smiley

When price will rise up, sell it Smiley
full member
Activity: 182
Merit: 101
June 15, 2014, 05:52:06 AM
#59
i like invest, and always invest, but if big invest big risk got scammer -___-
sr. member
Activity: 378
Merit: 265
June 15, 2014, 04:55:17 AM
#58
I have some savings -about 50k usd- and so far I've been thinking about mutual funds and Forex and Bitcoin
Any advice/recommendations/ideas? Does anyone here do investments?

My advice is to refrain from asking random anonymous people for advice on how to invest your money.

Your situation is unique and nobody can give you good advice without knowing your situation.

Here is some generic advice:
1. Only invest in things you understand.
2. Start investing with simple low risk investments (e.g. savings account and CDs), then as your wealth grows add more complex and risky investments.
3. Avoid forex and day-trading. You will lose money.


+ 1
sr. member
Activity: 266
Merit: 250
June 15, 2014, 02:29:36 AM
#57
Many posters here already mention real estate.

Rent it out to increase your yield as well as the capital gain from appreciation.


There is no guarantee that you will either be able to rent your property that is above your expenses, or at all. Nor is there a guarantee that your specific house/real estate investment will appreciate.
sr. member
Activity: 448
Merit: 250
It's Money 2.0| It’s gold for nerds | It's Bitcoin
June 15, 2014, 02:22:54 AM
#56
Buy 10 SP30 miners. When you make your first 25k then put them back into your pocket, next 25k reinvest into mining. I would advise you to exchange BTC only when new and better mining equipment comes out or when BTC reaches at least 1000$.
I was thinking about mining too,since bitcoinis on the wave ,better to mine it than buy it.But what about the electricity consume and the space?I have an small apartment ,so not to much free space,plus i am thinking that i need an extra AC too?
Mining is great fun and highly addictive.  However, if profit is your motive you'll definitely want to look into investing into anything but mining.  Hardware value depreciation in the asic and scrypt asic markets are absolutely insane right now (and have been since I started mining).  Factor into this how quickly difficulty is increasing, a small apartment with limited electricity supply and you have yourself a recipe for disappointment. 

Also, odds are you won't really be able to host any kind of serious mining equipment on a typical apartments wiring.  If your space, electricity, and cooling are limited, consider cloud mining instead.  Although you'll run into the same issue(s) of depreciation of whatever you buy soon enough.  Hope this helps.

It may still be early enough so that ASIC scrypt mining would still be profitable.
full member
Activity: 185
Merit: 100
June 12, 2014, 02:55:06 PM
#55
Many posters here already mention real estate.

Rent it out to increase your yield as well as the capital gain from appreciation.
legendary
Activity: 1610
Merit: 1000
Well hello there!
June 12, 2014, 02:15:48 PM
#54
Buy 10 SP30 miners. When you make your first 25k then put them back into your pocket, next 25k reinvest into mining. I would advise you to exchange BTC only when new and better mining equipment comes out or when BTC reaches at least 1000$.
I was thinking about mining too,since bitcoinis on the wave ,better to mine it than buy it.But what about the electricity consume and the space?I have an small apartment ,so not to much free space,plus i am thinking that i need an extra AC too?
Mining is great fun and highly addictive.  However, if profit is your motive you'll definitely want to look into investing into anything but mining.  Hardware value depreciation in the asic and scrypt asic markets are absolutely insane right now (and have been since I started mining).  Factor into this how quickly difficulty is increasing, a small apartment with limited electricity supply and you have yourself a recipe for disappointment. 

Also, odds are you won't really be able to host any kind of serious mining equipment on a typical apartments wiring.  If your space, electricity, and cooling are limited, consider cloud mining instead.  Although you'll run into the same issue(s) of depreciation of whatever you buy soon enough.  Hope this helps.
full member
Activity: 168
Merit: 100
June 12, 2014, 01:47:38 PM
#53
I think real estate is the best u can invest in, and the safest in my opinion. There a tons of options on what to do with ur money, Go for the safest play and dont risk anything.
sr. member
Activity: 448
Merit: 250
It's Money 2.0| It’s gold for nerds | It's Bitcoin
June 12, 2014, 01:35:02 PM
#52
For really long term, real estate is probably the best investment out there.

Your statement is probably correct, however in the context of it being correct the term "really long term" would probably be longer then the OP's time frame that he is looking to invest.

Real estate has traditionally gone up over time (when looked at nationally) although our most recent recession proved that to not always be the case. Prices in some of the hardest hit "bubble" areas (Much of FL and NV) will probably not recover to their pre-recession highs for many decades. If you were investing in a pension fund for example (whose time horizon is essentially "forever") then real estate is probably a good investment as long as it is not too concentrated. The OPs time frame is probably not more then 50 years (assuming the OP is 20 years old and wishes to retire at age 70) and real estate may or may not be higher then.
legendary
Activity: 1148
Merit: 1006
Black Panther
June 12, 2014, 12:32:44 PM
#51
Real estate investing may be the right choice and do not forget to invest in shares and deposits   Cheesy
full member
Activity: 169
Merit: 100
June 12, 2014, 12:14:25 PM
#50
For really long term, real estate is probably the best investment out there.
legendary
Activity: 1260
Merit: 1029
June 12, 2014, 10:49:41 AM
#49
If i had serious money to invest, i'd split it around to BTC, Gold, Silver and probably something else that is not forex / stock related.
legendary
Activity: 1582
Merit: 1196
Reputation first.
June 12, 2014, 09:31:22 AM
#48
Invest the 10% of your capital in Bitcoin, deposit it in a paper wallet and then close it into a strongbox Cheesy

hero member
Activity: 490
Merit: 500
June 12, 2014, 09:23:06 AM
#47
What about fix deposit or term deposit?
Some say that it is for the one who wants to play safe,at least it gives you fixed amount of profit without any risk.

I don't think you're getting a much of a straight answer and the reason is that right now is one of the most dangerous times to invest (or simply hold cash -- that's an investment in your fiat currency) that I've seen in many years.   QE or your local equivalent has created a situation called biflation. 

Basically here's the view:

1. Stocks are hitting record highs, not because actual profitability is up but because QE dollars need somewhere to go.  It could turn around very quickly.

2. Any money market, CD or term deposit will be a net LOSS when adjusted for true inflation.

3. Any safe bond has the same issue as 2.

4. The smart $ already bought gold and other PMs -- the price

5. Land might be a good idea but it always has had its own issues, like illiquidity (might take you 2+ years to sell it).

6. Bitcoin is of course very volatile and still in Beta.

7. Altcoin investments is frankly gambling...

Basically, its a bad time to invest because systemic issues with the economy and financial system are causing large waves of money to flow around.  These waves make it very difficult to see water levels ( the true value of a product).

I think that the best thing to do in times of uncertainty is to diversify... own a little bit of a lot of unrelated stuff.


This particularly true (at least here in the states).  Friend of mine just had one heck of a time trying to sell a nice little piece of land with a little house on it in the midwest as recently as a month and a half ago.  They may say the market is picking up and the economy is improving, but reality paints a much different picture.

Housing market is still very weak. A friend of mine sold a house for half the price at peaked of housing market recently.





I have a friend in real estate who says now is the time to buy (specially houses, not so much land). It's expected that 2015 will present raising prices.
sr. member
Activity: 378
Merit: 250
June 12, 2014, 07:28:36 AM
#46
Buy 10 SP30 miners. When you make your first 25k then put them back into your pocket, next 25k reinvest into mining. I would advise you to exchange BTC only when new and better mining equipment comes out or when BTC reaches at least 1000$.
I was thinking about mining too,since bitcoinis on the wave ,better to mine it than buy it.But what about the electricity consume and the space?I have an small apartment ,so not to much free space,plus i am thinking that i need an extra AC too?
full member
Activity: 167
Merit: 100
June 11, 2014, 05:54:17 PM
#45
What about fix deposit or term deposit?
Some say that it is for the one who wants to play safe,at least it gives you fixed amount of profit without any risk.

I don't think you're getting a much of a straight answer and the reason is that right now is one of the most dangerous times to invest (or simply hold cash -- that's an investment in your fiat currency) that I've seen in many years.   QE or your local equivalent has created a situation called biflation. 

Basically here's the view:

1. Stocks are hitting record highs, not because actual profitability is up but because QE dollars need somewhere to go.  It could turn around very quickly.

2. Any money market, CD or term deposit will be a net LOSS when adjusted for true inflation.

3. Any safe bond has the same issue as 2.

4. The smart $ already bought gold and other PMs -- the price

5. Land might be a good idea but it always has had its own issues, like illiquidity (might take you 2+ years to sell it).

6. Bitcoin is of course very volatile and still in Beta.

7. Altcoin investments is frankly gambling...

Basically, its a bad time to invest because systemic issues with the economy and financial system are causing large waves of money to flow around.  These waves make it very difficult to see water levels ( the true value of a product).

I think that the best thing to do in times of uncertainty is to diversify... own a little bit of a lot of unrelated stuff.


This particularly true (at least here in the states).  Friend of mine just had one heck of a time trying to sell a nice little piece of land with a little house on it in the midwest as recently as a month and a half ago.  They may say the market is picking up and the economy is improving, but reality paints a much different picture.

Housing market is still very weak. A friend of mine sold a house for half the price at peaked of housing market recently.



legendary
Activity: 1610
Merit: 1000
Well hello there!
June 11, 2014, 12:07:23 AM
#44
What about fix deposit or term deposit?
Some say that it is for the one who wants to play safe,at least it gives you fixed amount of profit without any risk.

I don't think you're getting a much of a straight answer and the reason is that right now is one of the most dangerous times to invest (or simply hold cash -- that's an investment in your fiat currency) that I've seen in many years.   QE or your local equivalent has created a situation called biflation. 

Basically here's the view:

1. Stocks are hitting record highs, not because actual profitability is up but because QE dollars need somewhere to go.  It could turn around very quickly.

2. Any money market, CD or term deposit will be a net LOSS when adjusted for true inflation.

3. Any safe bond has the same issue as 2.

4. The smart $ already bought gold and other PMs -- the price

5. Land might be a good idea but it always has had its own issues, like illiquidity (might take you 2+ years to sell it).

6. Bitcoin is of course very volatile and still in Beta.

7. Altcoin investments is frankly gambling...

Basically, its a bad time to invest because systemic issues with the economy and financial system are causing large waves of money to flow around.  These waves make it very difficult to see water levels ( the true value of a product).

I think that the best thing to do in times of uncertainty is to diversify... own a little bit of a lot of unrelated stuff.


This particularly true (at least here in the states).  Friend of mine just had one heck of a time trying to sell a nice little piece of land with a little house on it in the midwest as recently as a month and a half ago.  They may say the market is picking up and the economy is improving, but reality paints a much different picture.
legendary
Activity: 1904
Merit: 1007
June 10, 2014, 07:40:12 PM
#43
Buy 10 SP30 miners. When you make your first 25k then put them back into your pocket, next 25k reinvest into mining. I would advise you to exchange BTC only when new and better mining equipment comes out or when BTC reaches at least 1000$.
legendary
Activity: 1246
Merit: 1010
June 10, 2014, 02:37:34 PM
#42
What about fix deposit or term deposit?
Some say that it is for the one who wants to play safe,at least it gives you fixed amount of profit without any risk.

I don't think you're getting a much of a straight answer and the reason is that right now is one of the most dangerous times to invest (or simply hold cash -- that's an investment in your fiat currency) that I've seen in many years.   QE or your local equivalent has created a situation called biflation. 

Basically here's the view:

1. Stocks are hitting record highs, not because actual profitability is up but because QE dollars need somewhere to go.  It could turn around very quickly.

2. Any money market, CD or term deposit will be a net LOSS when adjusted for true inflation.

3. Any safe bond has the same issue as 2.

4. The smart $ already bought gold and other PMs -- the price

5. Land might be a good idea but it always has had its own issues, like illiquidity (might take you 2+ years to sell it).

6. Bitcoin is of course very volatile and still in Beta.

7. Altcoin investments is frankly gambling...

Basically, its a bad time to invest because systemic issues with the economy and financial system are causing large waves of money to flow around.  These waves make it very difficult to see water levels ( the true value of a product).

I think that the best thing to do in times of uncertainty is to diversify... own a little bit of a lot of unrelated stuff.

sr. member
Activity: 448
Merit: 250
June 10, 2014, 12:42:07 PM
#41
What about fix deposit or term deposit?
Some say that it is for the one who wants to play safe,at least it gives you fixed amount of profit without any risk.
Actually fixed deposits are not a very good method of investing.
This is because of a process called inflation which happens to the currency every country in the world everyday. Inflation is the rate where a currency loses its value as prices of goods rises. For example, if you needed to spend 100$ on food in 2012, but you have to spend 105$ on the exact same selection of food in 2013, that means prices have rose 5%, which is the rate of inflation because your money will you buy you 5% less of what it bought you last year.
More often than not, the rate of return fixed deposits offer you is LOWER than the rate of inflation. So you are either losing money, or if the rate of inflation happens to be low, you'll only be earning 1% to 1.5% a year at most.
sr. member
Activity: 378
Merit: 250
June 10, 2014, 12:28:24 PM
#40
What about fix deposit or term deposit?
Some say that it is for the one who wants to play safe,at least it gives you fixed amount of profit without any risk.
sr. member
Activity: 350
Merit: 250
June 10, 2014, 12:22:53 PM
#39
I will say that don't go to anyone suggestion, just think by yourself. If you think that you have capability to invest in Forex and gold market, and also you can earn good profit,just go ahead. But always remember your strength should be patience whether you will choose Forex or gold investment or any business, without patience your money will waste.
sr. member
Activity: 994
Merit: 441
June 10, 2014, 12:07:12 PM
#38
I have some savings -about 50k usd- and so far I've been thinking about mutual funds and Forex and Bitcoin
Any advice/recommendations/ideas? Does anyone here do investments?
Forex is very much risky. One of my friend faced loss in this. I will also suggest to start a small business with your saving. I am giving you my own example i started my business with 0 capital, its strange but its true. But before starting any business plan it well and only after that proceed because without proper planning you can never get success.
But don't you think in today's world everything is risky... Even if you are starting a risk, that also involves a risk.. In fact, Private businesses are subject to a high level of risk...
Everything is risky, even risk and return is directly proportion to each other. I was not saying that starting own private venture is risk free, i was just saying that you have the control of all things happening in this but if you will invest in forex or gold, you can't do anything.
full member
Activity: 224
Merit: 100
June 10, 2014, 12:04:54 PM
#37
Try real estate, your investment will gain in equity and you might have a monthly return off of it.
sr. member
Activity: 448
Merit: 250
June 10, 2014, 11:59:53 AM
#36
I have some savings -about 50k usd- and so far I've been thinking about mutual funds and Forex and Bitcoin
Any advice/recommendations/ideas? Does anyone here do investments?
Forex is very much risky. One of my friend faced loss in this. I will also suggest to start a small business with your saving. I am giving you my own example i started my business with 0 capital, its strange but its true. But before starting any business plan it well and only after that proceed because without proper planning you can never get success.
But don't you think in today's world everything is risky... Even if you are starting a risk, that also involves a risk.. In fact, Private businesses are subject to a high level of risk...
sr. member
Activity: 364
Merit: 250
June 10, 2014, 11:30:39 AM
#35
I will also not suggest you to go for Forex as now market condition is not good and you can face loss. I will say that think 100 times before going to tale any step. Its not cup of tea of everyone to start a business also, first you should aware of all things like pre and post planning for starting any business .
sr. member
Activity: 994
Merit: 441
June 10, 2014, 11:26:43 AM
#34
I have some savings -about 50k usd- and so far I've been thinking about mutual funds and Forex and Bitcoin
Any advice/recommendations/ideas? Does anyone here do investments?
Forex is very much risky. One of my friend faced loss in this. I will also suggest to start a small business with your saving. I am giving you my own example i started my business with 0 capital, its strange but its true. But before starting any business plan it well and only after that proceed because without proper planning you can never get success.
sr. member
Activity: 266
Merit: 250
June 08, 2014, 10:21:40 PM
#33
I have some savings -about 50k usd- and so far I've been thinking about mutual funds and Forex and Bitcoin
Any advice/recommendations/ideas? Does anyone here do investments?

You should speak to an investment professional.

I have a conflict of interest as I have a substantial position in bitcoin. With that being said I would argue that you should invest a certain percentage of your savings into bitcoin. The remaining balance of your savings should be invested in a mix of stocks (via index funds) and bonds.

You should also be sure that you have at least a certain percentage of your annual salary in savings in the event you get laid off or lose your job. This percentage should be greater if you are self employed, are a temporary worker or work in an otherwise unstable industry (including working at a start up). Otherwise you should probably have 6 months salary in savings (or a CD).
hero member
Activity: 490
Merit: 500
June 08, 2014, 06:30:42 PM
#32
Buy into bitcoin ASAP there seems to be good news incomming starting from tommorow!

Heard any rumors?
Or just because it is Monday? Smiley
Anyway, I also think this week might be good.
legendary
Activity: 966
Merit: 1000
June 08, 2014, 05:59:46 PM
#31
Buy into bitcoin ASAP there seems to be good news incomming starting from tommorow!
hero member
Activity: 490
Merit: 500
June 08, 2014, 05:15:53 PM
#30
Now it's an amazing time to invest in btc, because it seems it is about to spike to another bubble.
I've also heard it's a good time to invest in thorium, in case you don't want to put all your eggs in one basket.
legendary
Activity: 1960
Merit: 1010
June 08, 2014, 06:13:29 AM
#29
Please read about Cryptogenic Bullion. An interesting coin for serious investors. They can be purchased on Cryptsy ticker CGB.

http://cgb.holdings/
https://bitcointalksearch.org/topic/historic-cryptogenic-bullion-thread-closed-245086
sr. member
Activity: 406
Merit: 250
June 07, 2014, 11:58:49 PM
#28
I have some savings -about 50k usd- and so far I've been thinking about mutual funds and Forex and Bitcoin
Any advice/recommendations/ideas? Does anyone here do investments?

My advice is to refrain from asking random anonymous people for advice on how to invest your money.

Your situation is unique and nobody can give you good advice without knowing your situation.

Here is some generic advice:
1. Only invest in things you understand.
2. Start investing with simple low risk investments (e.g. savings account and CDs), then as your wealth grows add more complex and risky investments.
3. Avoid forex and day-trading. You will lose money.


Pretty much this. People ask me if they should invest in Bitcoin all the time. I tell them to research the technology, try and understand the implications, and draw your own conclusions from there. For me, it's an easy yes.

You want people to actually learn about something before they dump their money into it? You must be one of those personal responsibility fascists.  Grin
member
Activity: 67
Merit: 10
June 07, 2014, 11:56:03 PM
#27
I have some savings -about 50k usd- and so far I've been thinking about mutual funds and Forex and Bitcoin
Any advice/recommendations/ideas? Does anyone here do investments?

My advice is to refrain from asking random anonymous people for advice on how to invest your money.

Your situation is unique and nobody can give you good advice without knowing your situation.

Here is some generic advice:
1. Only invest in things you understand.
2. Start investing with simple low risk investments (e.g. savings account and CDs), then as your wealth grows add more complex and risky investments.
3. Avoid forex and day-trading. You will lose money.


Pretty much this. People ask me if they should invest in Bitcoin all the time. I tell them to research the technology, try and understand the implications, and draw your own conclusions from there. For me, it's an easy yes.
sr. member
Activity: 462
Merit: 251
June 07, 2014, 06:54:34 AM
#26
There is a risk involved in all ventures today whether it be business, forex or gold.. But then in your personal business, you get to control things.. I mean you are the one who can fix things as you feel right at your end.. However, in case of forex, other factors rule the play..

Actually, there is nothing which is risk free....You need to make your choice and head with it..
Absolutely, depend on the level of risk tolerant ability, you can choose mix or single of them. The low risk investment tool to high is: saving in bank, mutual fund, stock, gold/silver, BTC,future/commodity. It is my personal views. 
Saving in a bank sux, don't recommend it. In most cases you won't earn anything due to inflation. The only case when you can really earn money from a savings account is if you have over $1mil, but it's still not worth it.
legendary
Activity: 1067
Merit: 1000
June 07, 2014, 03:06:44 AM
#25
What is your expected return per year?

If you have reasonable expectation (less than 9-10%) per year, I know a few good places to park the money.

legendary
Activity: 1596
Merit: 1000
June 07, 2014, 02:44:44 AM
#24
There is a risk involved in all ventures today whether it be business, forex or gold.. But then in your personal business, you get to control things.. I mean you are the one who can fix things as you feel right at your end.. However, in case of forex, other factors rule the play..

Actually, there is nothing which is risk free....You need to make your choice and head with it..
Absolutely, depend on the level of risk tolerant ability, you can choose mix or single of them. The low risk investment tool to high is: saving in bank, mutual fund, stock, gold/silver, BTC,future/commodity. It is my personal views. 
newbie
Activity: 14
Merit: 0
June 05, 2014, 11:14:06 AM
#23
I have some savings -about 50k usd- and so far I've been thinking about mutual funds and Forex and Bitcoin
Any advice/recommendations/ideas? Does anyone here do investments?

Yes, you can invest in Bitcoin a better option than others, even gold is going down.

Thanks
legendary
Activity: 3066
Merit: 1147
The revolution will be monetized!
June 05, 2014, 09:55:16 AM
#22
I see that a lot of people are recommending gold investments. So how shall I go about it? Should I buy gold through an online broker? Or someone locally?Will it be faster if I choose to invest online rather than having to go through a bank broker?  And will it save me middlemen fees?
I know gold is down, but you want to buy when it's down anyway. It may go further down but gold will always have some value even if the world starts to fall apart. My advice is to buy bullion rather than coins. Or coins that have little collectable value. You want value in gold not value based on coin collectibility. It is also generally cheaper per Oz. to buy larger bars. So don't buy 4 1/4oz bars when you could get a better deal on 1 1oz bar.   

Lastly, secure it like a paper wallet. If you have a safe deposit box, that may be best.
newbie
Activity: 52
Merit: 0
June 05, 2014, 09:30:51 AM
#21
Just buy bitcoins with 50% of your savings and a 30% in gold, then hold them long term, the value can only go up.

No, it can also go down.
sr. member
Activity: 364
Merit: 250
June 05, 2014, 08:36:06 AM
#20
There is a risk involved in all ventures today whether it be business, forex or gold.. But then in your personal business, you get to control things.. I mean you are the one who can fix things as you feel right at your end.. However, in case of forex, other factors rule the play..

Actually, there is nothing which is risk free....You need to make your choice and head with it..
legendary
Activity: 1946
Merit: 1005
June 05, 2014, 08:35:49 AM
#19
I have some savings -about 50k usd- and so far I've been thinking about mutual funds and Forex and Bitcoin
Any advice/recommendations/ideas? Does anyone here do investments?
A lot of people are investing in real estates in Bulgaria on the Sea or in the mountains resorts. Right now the price is very low and will go up in 2 years like two times. Real Estate investment here is very secure and you will also have the most beautiful place in the world. If you like you can PM and i can send you some offers from real estate companies.
BR
full member
Activity: 196
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June 05, 2014, 08:33:35 AM
#18
Just buy bitcoins with 50% of your savings and a 30% in gold, then hold them long term, the value can only go up.
sr. member
Activity: 448
Merit: 250
June 05, 2014, 08:22:16 AM
#17
I see that a lot of people are recommending gold investments. So how shall I go about it? Should I buy gold through an online broker? Or someone locally?Will it be faster if I choose to invest online rather than having to go through a bank broker?  And will it save me middlemen fees?
Firstly, you need to choose the form of gold you would like to invest in..
Physical gold, which is nothing but jewelry,
Gold bar and coins
ETF
Gold futures
Gold Mutual funds..

And yes, you can go through bank broker...
sr. member
Activity: 350
Merit: 250
June 05, 2014, 08:03:26 AM
#16
You may opt to buy gold from your bank but let me tell you that all banks do not deal in gold bars, there are only few which will deal in Gold..
Moreover, you may think that you're saving on middlemen fees, but ultimately, it is going to expensive for you..
Banks have the gold packed neatly and then they add a certificate assuring the purity of the gold..
All these processes definitely are attractive and give you assurance that you are buying right..but then, the cost of these things is actually coming out from your pocket only.. Bank is not going to bear these charges..
I would suggest look for a credible jeweler..
sr. member
Activity: 378
Merit: 250
June 05, 2014, 07:28:47 AM
#15
I see that a lot of people are recommending gold investments. So how shall I go about it? Should I buy gold through an online broker? Or someone locally?Will it be faster if I choose to invest online rather than having to go through a bank broker?  And will it save me middlemen fees?
sr. member
Activity: 350
Merit: 250
June 05, 2014, 07:26:30 AM
#14
Please don't invest in  real estates.. Somehow, I feel the sector very very risky.. It is just meant for extra rich people who have scores on money in hand who can hold properties for a long period of time... I guess Forex would be a good bet than mutual funds..
Forex is definitely very risky.. but tell me guys, where doesn't the risk lies today... Moreover, if you take every step so cautiously.. you will also make profits in small amounts only.. In order, to gain loads, you have take risks..
sr. member
Activity: 364
Merit: 250
June 05, 2014, 07:20:49 AM
#13
I'd do half in bitcoin.
This is one of my options!
hero member
Activity: 502
Merit: 500
June 05, 2014, 06:21:22 AM
#12
I advise you the caution.

It is always necessary to pay attention; the capital which promise returns widely above the market is often swindles.
sr. member
Activity: 448
Merit: 250
June 05, 2014, 06:16:58 AM
#11
Please don't invest in  real estates.. Somehow, I feel the sector very very risky.. It is just meant for extra rich people who have scores on money in hand who can hold properties for a long period of time... I guess Forex would be a good bet than mutual funds..
On the contrary, property sector is a good, profitable and low risk investment. Think about it this way, you can lose a lot of money in Forex or the stock markets but your property will always be there.
And you can also rent it out for extra income while making a profit selling it a few years down the road!
sr. member
Activity: 364
Merit: 250
June 05, 2014, 06:12:03 AM
#10
Please don't invest in  real estates.. Somehow, I feel the sector very very risky.. It is just meant for extra rich people who have scores on money in hand who can hold properties for a long period of time... I guess Forex would be a good bet than mutual funds..
sr. member
Activity: 378
Merit: 250
June 05, 2014, 06:08:26 AM
#9
How about investing in Gold? I personally find Investment in Gold has the most rewarding and lucrative offer. Prices are regularized across the globe, they are never excess fluctuations, and most importantly, it is very easy to liquidate it...
You are right! However, the price of gold has been on a downward spiral lately. I think it is more worthwhile as a long term investment? Do you have any personal experience in gold?
sr. member
Activity: 350
Merit: 250
June 05, 2014, 05:03:07 AM
#8
How about investing in Gold? I personally find Investment in Gold has the most rewarding and lucrative offer. Prices are regularized across the globe, they are never excess fluctuations, and most importantly, it is very easy to liquidate it...
sr. member
Activity: 434
Merit: 250
June 04, 2014, 04:42:02 PM
#7
If it's your spare money that you don't need to use in near future then invest into bitcoin for atleast year.
legendary
Activity: 910
Merit: 1000
June 04, 2014, 04:37:17 PM
#6
I'd do half in bitcoin.
legendary
Activity: 1146
Merit: 1000
June 04, 2014, 04:34:09 PM
#5
80% BTC 20% NXT
legendary
Activity: 1232
Merit: 1002
June 04, 2014, 04:15:49 PM
#4
Well if you asked I would like to share my opinion!
But you can do as you see fit!

1. Buy some BTC(for the long run 5 years or more)
2. Put some money in Forex trading but always take out the profit! For example if you put 10.000$ in a Forex account then when you reach 15.000 cash out. 5.000 and trade some more! Never get greedy when you are trading!
3. Buy some gold/silver/etc
4. Buy some art from a really young and promising artist!

This is what I would do with 50.000... in face only with 40.000 because I would use 10.000 to go to Ibiza Smiley
legendary
Activity: 3066
Merit: 1147
The revolution will be monetized!
June 04, 2014, 04:15:30 PM
#3
I would look at index funds over mutual funds. And don't forget about real estate. Next year there will be more gold, more bitcoins, but less land.
legendary
Activity: 4438
Merit: 3387
June 04, 2014, 04:10:17 PM
#2
I have some savings -about 50k usd- and so far I've been thinking about mutual funds and Forex and Bitcoin
Any advice/recommendations/ideas? Does anyone here do investments?

My advice is to refrain from asking random anonymous people for advice on how to invest your money.

Your situation is unique and nobody can give you good advice without knowing your situation.

Here is some generic advice:
1. Only invest in things you understand.
2. Start investing with simple low risk investments (e.g. savings account and CDs), then as your wealth grows add more complex and risky investments.
3. Avoid forex and day-trading. You will lose money.
sr. member
Activity: 378
Merit: 250
June 04, 2014, 03:32:54 PM
#1
 I have some savings -about 50k usd- and so far I've been thinking about mutual funds and Forex and Bitcoin
Any advice/recommendations/ideas? Does anyone here do investments?
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