Please suggest investment ideas

[pksmart]

190k saved liquid cash unnai.

150k robinhood la uninvested 4.9% lekka, 570/mo coming.

Stocks/rental property/bonds/ETFs emaina manchi investment strategy cheppandi bro.

I am looking for long term investment options. short term lo chetulu kalai. dont want to risk anymore. 

No primary home yet, new home konalo ledo ee interest rates tho doubtful

[JANASENA]

already smart nuvvu malla suggestion enudku

[pksmart]

Just now, JANASENA said:

already smart nuvvu malla suggestion enudku

smart how anna. 4.9% robinhood is not permanent. 

Home konukkovali. 3k kante emi pettadam istam leka renting still. 

investments lo oka 10 - 15% returns vaste chalu

[PizzaReddy]

buy land in Vizag

[pksmart]

Just now, PizzaReddy said:

buy land in Vizag

India lo invest chese uddesam ledu vayya.

Can't move to India. So USA lone emaina.

[JANASENA]

6 minutes ago, PizzaReddy said:

buy land in Vizag

which location bro?

[pksmart]

ltt

[pavone]

You may need funds in short term for buying primary home? Malli long term ante you will need liquidity?

[PizzaReddy]

1 hour ago, JANASENA said:

which location bro?

near Jnanapuram junction/chavulamadam

rushikonda

[pksmart]

1 hour ago, pavone said:

You may need funds in short term for buying primary home? Malli long term ante you will need liquidity?

40k undi kada bro. next 1yr lo down payment ki save chest I feel like buying primary home.

[Abhagyudu]

Ltt

[pavone]

1 hour ago, pksmart said:

40k undi kada bro. next 1yr lo down payment ki save chest I feel like buying primary home.

Cool.. aithe below info use cheyi as a guide. Reach out if you need any help and we can discuss your situation in detail based on age, risk profile, goals etc. Good luck bro!!

1a. 6 months emergency fund (in HYSA or short term TBills like 4-week or 8-week)

1b. Young families with liabilities- term life insurance with living benefits. A must and in addition to insurance from work (avoids gofundme). Get it when you dont need it because you cant get it when you need it.

2. Traditional 401k upto emp match or max out roth 401k (if emp has one). 

3. Roth IRA or back door Roth IRA for high earners (family income > 210k)

4a. College planning: 529 plan (if 7yrs or less to college) or IUL if > 5yrs to college. (Ymmv based on savings and funding plan)

4b. Rich person Roth: Properly structured, max funded IUL for tax free supplemental income (as bond portion alternative), tax free legacy transfer and self completing insurance with living benefits. Whole life for infinite banking

5. Brokerage account: long term investments, low cost index funds, dividend stocks etc

6. Play money: Crypto, meme stocks, Casino etc

7. After age 50, Piecemeal roth conversion of 401k (bond portion) to annuities for guaranteed retirement income. This will make income guaranteed and tax free. 

*The more money you have as tax-free income, the less money you pay in taxes on 401k withdrawls and social security income. 

** my strategy is to dollar cost average into low cost index funds in my retirement accounts until age 50.

***This is a general idea and is not the same for all. It should be planned based on one's unique situation. Please treat this for educational purposes only

[Konebhar6]

11 hours ago, pksmart said:

smart how anna. 4.9% robinhood is not permanent. 

Home konukkovali. 3k kante emi pettadam istam leka renting still. 

investments lo oka 10 - 15% returns vaste chalu

Neeku @JANASENA vesina joke ardham kaledu. He is implying SMART in your user id (pksmart)

Investment depends on your risk appetite. Do not invest in markets yet. They might drop some more but not guaranteed. So you can look for the stocks you like which are giving value and invest in them. You can follow $cost averaging concept. IF stocks fall you can buy more upto a certain point and leave it after that. You need to keep the stocks for 3-5 yrs to get exceptional returns. 

Another option is MFs, ETFs. Or Index funds which give steady gains. Even losses will be limited. 

I created a sheet and list the stocks. You can find stocks which are giving value. 

https://docs.google.com/spreadsheets/u/2/d/1vcJ2ulRHdIixIa7WLKFFGVHuohtf_PeqefXiRvBss70/edit?usp=drive_web&ouid=110311283429148330807

[Pandubabu]

17 hours ago, pksmart said:

190k saved liquid cash unnai.

150k robinhood la uninvested 4.9% lekka, 570/mo coming.

Stocks/rental property/bonds/ETFs emaina manchi investment strategy cheppandi bro.

I am looking for long term investment options. short term lo chetulu kalai. dont want to risk anymore. 

No primary home yet, new home konalo ledo ee interest rates tho doubtful

Nuvvu first decide Karo what are your goals Annai ? If you are looking to buy a house in next 5 years , all money in tbills and CDs while saving adequately for retirement ..

 

More than 5 years time horizon , don't complicate and put your money in VTI or VT

[pksmart]

13 minutes ago, Pandubabu said:

Nuvvu first decide Karo what are your goals Annai ? If you are looking to buy a house in next 5 years , all money in tbills and CDs while saving adequately for retirement ..

 

More than 5 years time horizon , don't complicate and put your money in VTI or VT

tbills ante enti?