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Thread: if you had 10,000 to invest

  1. #1
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    if you had 10,000 to invest

    If you had 10,000 to invest and a brokerage account, and you were 30, and could leave the money alone, how would you invest it?

    Any ideas for someone new to investing, who is fairly risk averse and doesn't want to lose money, and doesn't know anything about investing?

  2. #2
    Senior Member bae's Avatar
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    In general, with $10,000 and no experience/interest in investing - I'd recommend a very very low cost index fund.

    If you have a strong requirement for "doesn't lose money", your options are much more limited though.

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    I was thinking a Vanguard low cost index ETF like VTI, although the don't lose money thing is a problem. I am thinking of recommending half in the index fund and maybe half in cd's while he learns?

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    Senior Member bae's Avatar
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    A problem I have with "safe" investing is that it isn't really "safe".

    It's very hard to keep ahead of inflation while being "safe", which means you are losing purchasing power over time, which seems contrary to the goal of "not losing money".

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    Yeah. Maybe that is a lesson he needs to learn, that markets go up and down, but over time, he's probably best off in a low cost index fund?
    Maybe a retirement date fund that is heavily balanced towards equities because of his age?

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    Senior Member bae's Avatar
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    The "over time" part is crucial. At the age of 30, I'd be all-in in equities.

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    Right. Okay. I feel okay suggesting that to him. I would too, if I had it to do over again.

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    Senior Member iris lilies's Avatar
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    Will he be adding regularly to this investment?

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    I hope so, I think so, he's a saver by nature.

  10. #10
    Senior Member iris lilies's Avatar
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    I would do 2/3 stock index fund and 1/3 bond index fund, all U.S.

    At a point down the road, I will open up a stock index fund that is all or mostly foreign, throwing 1/4 of my money there, 1/2 at the U?s. Sock index fund, 1/4 at the U.s. Bond index fund.

    when stocks go down, bonds go up.

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