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May 5, 2015
8:45:56am

swishh_15

Even if the US stock market is topped out it will most likely finding steady growth in other global areas.

This message has been modified

Originally posted on May 5, 2015 at 8:45:56am

Message modified by swishh_15 on May 5, 2015 at 8:47:14am

Message modified by swishh_15 on May 5, 2015 at 8:47:37am

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swishh_15

New username: RdF3
Bio page: swishh_15
Joined: Nov 4, 2011
Last login: May 20, 2015
Total posts: 0 (0 FO)

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Messages

Author

Time

Where to invest $25,000 for my parents approaching retirement. My dad turned 60

Bro

5/5/15 8:27am

The alternative investment is not a guarantee...

titlecoug

5/5/15 8:28am

True, but it's a bona fide contract for someone to pay you that amount.

Bro

5/5/15 8:30am

In the event of a default or catastrophe, who gets first claim to the assets?

Random Walk

5/5/15 8:31am

I believe my parents would.

Bro

5/5/15 8:33am

That's an important point to know.

Random Walk

5/5/15 8:33am

I'd be surprised if the balloon portion of a mortgage is in 1st lien position

Linescratcher

5/5/15 8:37am

Yeah. And even if you were in 1st position, are you going to foreclose and kick

titlecoug

5/5/15 8:33am

Contracts are broken all the time. This has trouble written all over it

JackStack

5/5/15 8:32am

Unless they can't pay it ... or won't ... or declare bankruptcy.

tassell

5/5/15 8:35am

I'm not sure how a personal loan to a friend could ever be "guaranteed." But

Non-donor troll

5/5/15 8:29am

Maybe guaranteed is the wrong word, but it will be a contract in writing and its

Bro

5/5/15 8:31am

See Random Walk's post above. Stuff happens.

supertux

5/5/15 8:32am

If you feel the investment is a safe one. 5% is a really good guaranteed rate

Lance71

5/5/15 8:34am

A personal loan to a friend to make a balloon mortgage payment is not guaranteed

Linescratcher

5/5/15 8:32am

Yeah. I would say the best use of their money might be to replace the roof on

titlecoug

5/5/15 8:35am

vanguard balanced index fund

Snorky

5/5/15 8:35am

Do this, but make sure it's global.

swishh_15

5/5/15 8:39am

do the age appropriate life cycle one.

Snorky

5/5/15 8:39am

this one:.

Snorky

5/5/15 8:42am

↑↑↑↑ This is your answer. It has great diversification to it right now

swishh_15

5/5/15 8:45am

Never loan friends money you can't afford to lose.

RalphWiggam

5/5/15 8:35am

If they invest in my DoTerra startup, I can promise big returns. 20% minimum.

UNLVcougar

5/5/15 8:36am

if that's all they have just take 5%

Cougarealist

5/5/15 8:36am

Yep. Even if they do pull in 5%, that's only $1,250/year.

tassell

5/5/15 8:39am

Pre-tax

Random Walk

5/5/15 8:45am

If you decide you want some risk. Oil or oil companies is a risky idea that

Lance71

5/5/15 8:42am

$25,000 for 10 years @ 5% will give them an additional

Random Walk

5/5/15 8:44am

Thanks, this is helpful.

Bro

5/5/15 8:49am

Is it safe to assume there is alot of money other places if they are planning to

crack

5/5/15 8:53am

I just reread where you said they weren't very prepared. You might have to be

crack

5/5/15 9:08am

Absolutely no on paying off a friends mortgage. I don't care if they are

bocadillotortuga

5/5/15 9:27am

RE: Where to invest $25,000 for my parents approaching retirement. My dad turned

Bullrider

5/5/15 9:47am

Please tell me they have more than 25k for retirement

LaserCoug

5/5/15 9:55am

They have way more for retirement. It's just not enough IMO and i want to make

Bro

5/5/15 10:02am

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