best way to invest $75,000?

Dubious high risk investments suggested by strangers who offer no proof of their investment track records.

Don't invest everything in the same thing unless it's in your savings account.

I would buy 50% gold
25% CD
and rest 25% whatever you think is the best.

Intermediate municipal mutual fund

Quote from larrymoencurly : Dubious high risk investments suggested by strangers who offer no proof of their investment track records.

Great suggestion. Link?

Quote from larrymoencurly : Dubious high risk investments suggested by strangers who offer no proof of their investment track records.

Valid point, but how does own prove their investment history? (no pun, seriously)

Quote from larrymoencurly : Dubious high risk investments suggested by strangers who offer no proof of their investment track records.

http://www.marketwatch.com/game/s...ne/ranking
LOL I know it's the stock market game for SD but that's my proof.

i'm a bit biased to index tracking ETFs, they are diversified investments that trade like stocks so you minimize your risk but maintain liquidity

https://www.spdrs.com/

Quote from larrymoencurly : Dubious high risk investments suggested by strangers who offer no proof of their investment track records.

Quote from lovexylitol : Valid point, but how does own prove their investment history? (no pun, seriously)

By running a public mutual fund or by writing an investment newsletter that's ranked by the Hulbert Financial Digest. It's amazing how many "leading" experts turn out to have poor Hulbert or Morningstar/Lipper/Value Line records. Also ignore ads put out by the experts that quote their Hulbert or mutual fund records because they tend to be unusually selective with what they're comparing themselves against, or they'll cite an odd time period that coincides with their lucky streak.

By "public" mutual funds I mean anything but hedge funds because the latter aren't tracked much, so it's hard to tell how they actually perform. It seems they actually don't do better than regular mutual funds, and 5% of them are liquidated or merged every year, just like regular funds.

Quote from BigBuford : Don't invest everything in the same thing unless it's in your savings account. I would buy 50% gold 25% CD and rest 25% whatever you think is the best.

I think this is very dangerous play.
I used to recommend 10% gold. Now I would say 5%.
Short-term wise, we're heading into another round of deflation.

Quote from magoomba : I think this is very dangerous play. I used to recommend 10% gold. Now I would say 5%. Short-term wise, we're heading into another round of deflation.

Hang on guys, I think this guy is trying to say there's risk involved with investing.

See, I didn't know that; I thought if I bought the financial products the financial experts would tell me would do well, I'd do fine. And also, if the goldbugs are convinced $5000 gold is right around the corner, than that seems like a win, too. No risk, all reward = mad bank.

We're headed for another round of "deflation." What does that mean? What's going to deflate from here? Now that's dubious.

The 'wat should I do with my money?' threads always turn into a whole circus of entertainment by at least page 2. Everyone thinks they got the edge...the secret..lol...i love it.

Quote from BigBuford : Don't invest everything in the same thing unless it's in your savings account. I would buy 50% gold 25% CD and rest 25% whatever you think is the best.

Quote from barnz008 : Hang on guys, I think this guy is trying to say there's risk involved with investing. See, I didn't know that; I thought if I bought the financial products the financial experts would tell me would do well, I'd do fine. And also, if the goldbugs are convinced $5000 gold is right around the corner, than that seems like a win, too. No risk, all reward = mad bank. We're headed for another round of "deflation." What does that mean? What's going to deflate from here? Now that's dubious. The 'wat should I do with my money?' threads always turn into a whole circus of entertainment by at least page 2. Everyone thinks they got the edge...the secret..lol...i love it.

No edge here... take it for what it's worth -- free advice from a stranger.
Myself, I'm barely eking out 5% right now, it's all about survival.
OP needs capital preservation. All I'm saying is sticking it in 50% gold is dangerous.
What does deflation mean. I assume this is a rhetorical question so I won't bother.

Quote from magoomba : No edge here... take it for what it's worth -- free advice from a stranger. Myself, I'm barely eking out 5% right now, it's all about survival. OP needs capital preservation. All I'm saying is sticking it in 50% gold is dangerous. What does deflation mean. I assume this is a rhetorical question so I won't bother.

Lol,am no expert here, just my humble thoughts, else won't have spent so much time on SD

There was a saying in my country, if you're lost in some deep jungle and have a gold ring and $10,000, the tribes will feed you on your gold ring only

Anyways, I have been hearing of this deflation and gold coming down but it keeps going up.
The key here is not how much it will go up but it will never do a deep dive where even countries are going bankrupt, forget about stocks.

Quote from BigBuford : Lol,am no expert here, just my humble thoughts, else won't have spent so much time on SD There was a saying in my country, if you're lost in some deep jungle and have a gold ring and $10,000, the tribes will feed you on your gold ring only Anyways, I have been hearing of this deflation and gold coming down but it keeps going up. The key here is not how much it will go up but it will never do a deep dive where even countries are going bankrupt, forget about stocks.

if you are lost in a deep jungle with a gold ring, better just take it off, you don't want to be finger food for the tribes

Switching2Geico, I saw a couple of suggestions in the thread, but none where the payout was very significant without also being relatively risky (depending on how you view risk). I guess the thing I would suggest you look into is Prosper, and only if you can agree to not touch the money for 12 months. Prosper is a P2P lending thingy where you loan money to people (that you select) that have requested loans of varying amounts and for varying different reasons. A lot of people are seeking loans so they can consolidate their high interest CCs. Other people want to remodel a bathroom in their house. Or they wanna buy a boat. Some people want a loan to start a business. Anyways, you can check it out for yourself at prosper.com and see if it'd be something you'd be interested in. They offer like 1, 3, and 5 yr loan terms I believe, so the 1 yr term might work for you. Just if you do it, spread your money around amongst several loans. That way if a person defaults, you don't take a huge hit. Let me know if you have any questions about it. I've personally never done it, but plan to in the next few years (funnily enough my plan is to put my house down payment $ in prosper to keep it safeish and get a return). Good luck.


Secondary comment:

Quote from BigBuford : Anyways, I have been hearing of this deflation and gold coming down but it keeps going up. The key here is not how much it will go up but it will never do a deep dive where even countries are going bankrupt, forget about stocks.

Okay I'm honestly not trying to start a discussion on the topic, but what you said about gold about how it will "never do a deep dive" is just so massively false/naive. If someday all of the financial markets really do collapse and the world devolves into anarchy, then yeah, stocks will most likely hold a value of zilch. But the idea that gold would hold its value in that same circumstance is illogical. Because at that point, the world everyone is living in is in absolute chaos. And when that chaos sweeps through a nation, gold will lose its value just like paper money and stocks do. At the end of the day, you can't eat gold, it doesn't keep you warm at night, it can't move you from one place to another, and etc. If/when the shit ever really does hit the fan during my lifetime, I'll be sure to laugh at the idiots who try to trade me gold for my apples or flour or my goat or whatever.