Help please

Submitted by Thin-Comparison-7197 t3_124zxqc in wallstreetbets

Despite some juvenile sophomoric stuff here, I think there are some smart people around here. I am not a rich person and have worked hard to save. Can anyone tell me how to make a good investment with my 36,500 savings. I'm willing to be risky, I guess. Thnx

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VisualMod t1_je1pe5z wrote

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VisualMod t1_je1peyd wrote

>There are a number of things to consider when making investments, and it really depends on your individual goals and risk tolerance. However, some general tips would be to diversify your portfolio across different asset classes (e.g. stocks, bonds, real estate), invest in companies with solid fundamentals that you believe have long-term growth potential, and to stay disciplined by sticking to your investment plan even when markets become volatile.

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rain168 t1_je1q6lp wrote

What if I told you there isn’t any smart or lucky people but only rich and poor people?

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FarmerAndy88 t1_je1r676 wrote

Go all in on powerball. With that many tickets you’ll either be rich or not have to stress what to do with your savings anymore

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Beach_life858 t1_je1rdw0 wrote

Don’t risk anything you are not willing to loose. Options is like a casino. Play it smart and look for something that will give you nice dividends. That’s my advice.

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MRuleZ t1_je1t6k2 wrote

Try your luck at the paper trading competition coming up, that'll get your feet on the ground!

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lifeskipper18 t1_je1w80j wrote

Talk about risk, you should consider stock options. You can win big money.

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baldmo t1_je1wmxs wrote

This is somehow the most regarded thing I’ve seen posted here today. Yolo into frozen orange juice futures

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GoofballMcyoyo t1_je1wtmm wrote

Put $12,000 each in VOO, VGT and VTSAX then wait 35 years. You'll beat 99% of everybody here.

Spend the other $500 on a badass night out with your girl or family. Money buys you everything but more time on this planet.

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gopherhole02 t1_je1xbcp wrote

Id put $3600 Into pslv and phys, split up themoney however you like depending if your a goldbug or ape

Put the rest in etf, 80% world stocks, 20% bonds

Wait till retirement to pull the money

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grumpsuarus t1_je35cv5 wrote

If you feel your job is stable and you can afford it max out your 401k contribution and stick those into etfs. Any raise you get afterwards you won't have to worry about how much more to put in.

Stash 6 month gross income rainy day in money market, CD Ladder over 12 months for the amount you're saving for like a car or a house.

Follow this subreddit for the rest.

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delsombra t1_je38e8l wrote

Please go to r/stocks or r/investing . Serious. This is legit a gambling subreddit. You'll lose all your money if you listen to anyone here.

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Mindless_Mechanic007 t1_je3hqlw wrote

You don't tell us how old you are..........or how close to retirement you are. Almost all of the information needed to make a rational recommendation is missing.

This really isn't the place to be asking for advice. Yes, there are some smart people here. However, most of the 'plays' here are risky bets.

Another member mentioned r/stocks or r/investing as good forums......I concur with that advice.

I will make a recommendation regarding a stock for you to LOOK AT, make your own decisions about AFTER you do your own due diligence.......and that would be ASTS.

They are putting together a satellite network to connect unmodified, standard cell phones to the cell network WHEN the user is outside of a cell site. Test satellites have been put up, they are in the process of building the first 6 satellites for deployment late this year. Basically disruptive technology. Take a look at them, read and study them, make your own decisions......they are a pre revenue company (they are losing money because they need to build the 'product' first). Starlink and Globalstar are trying to be the competition.

​

Learn all you can...........there is so much to learn in finance. Bet only what you can afford to lose!! Just because it's a stock, bond, or anything else doesn't mean you won't lose it all. Look at the banks.......they used to be considered nice, safe, dependable stocks that didn't do too much with their price changes.........steady dividends, etc. Depending on your timeline.....there are some nice low prices right now. A few years from now......they should recover. But everything is a gamble. Some more than others........

Best of luck to you!!

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[deleted] t1_je3keuy wrote

Right now? treasuries. IF there is a crash, low fee index funds will destroy your account. Theres talk of Schwab struggling (dropped 20% at one point) and vanguard had questionable investments (SBNY for example). Treasuries guarantee your capital plus you earn interest. I'd look into it - TreasuryDirect is where you can get them. NFA but... its where i'm parking most of my money. Take care and good luck!

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Pigeonsauced t1_je4h41o wrote

How much are you looking at making and what is your timeframe for the investment?

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cidec85226 t1_je4uq0e wrote

80% into S&P500 (VOO)

15% into bitcoin

5% into ethereum

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