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Last post 5 years ago by deadeyedick. 23 replies replies.
Not asking for Recs or advice...Investments...what do u
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fishinguitarman Offline
#1 Posted: Wed, Aug 29 2018, 1:48 AM EST
Joined: 07-29-2006
Posts: 69,148
do?

CDs
MM's
Mutual Funds
Stocks
Bonds
Futures
Options


Disclaimer:

Just curious
dstieger Offline
#2 Posted: Wed, Aug 29 2018, 5:08 AM EST
Joined: 06-22-2007
Posts: 10,889
Most of the above....some liquidity in MM.... Bulk of retirement in assorted indexes...ranging from very secure to fairly risky
8trackdisco Offline
#3 Posted: Wed, Aug 29 2018, 5:52 AM EST
Joined: 11-06-2004
Posts: 60,074
fishinguitarman wrote:
do?

CDs
MM's
Mutual Funds
Stocks
Bonds
Futures
Options


Disclaimer:

Just curious


Yes, no, yes, yes, yes, no, no.
deadeyedick Online
#4 Posted: Wed, Aug 29 2018, 7:53 AM EST
Joined: 03-13-2003
Posts: 17,075
Mostly Mutuals with diversification in real estate, classic car and cigars.Angel
Mr. Jones Offline
#5 Posted: Wed, Aug 29 2018, 9:04 AM EST
Joined: 06-12-2005
Posts: 19,419
None of the above...

All my money $1++MILLION IN CASH was stolen by the FBI-SSG DIVISION...FROM MY HUT...

BUT AGENT55 SAYS "ITS IN THE U.S. TREASURY
" WAITING FOR ME TO CLAIM IT ON SOME #'D FORM...."

YEA...RRRRIIIIGGGGHHHTTTT

THOSE COWARD FELON CRIMINALS DIVY-ED IT UP AND SPENT IT ALREADY....NOTHING THE SSG STEALS OUTRIGHT EVER MAKES IT TO AN EVIDENCE LOCKER OR "ON ACCOUNT" @ THE U.S. TREASURY...
Gene363 Offline
#6 Posted: Wed, Aug 29 2018, 10:00 AM EST
Joined: 01-24-2003
Posts: 30,799
Mutual Funds
Stocks
Bonds
Cash in an investment account


All in a fund with Wells Fargo Advisors, NOT the bank, a separate company. I have a financial advisor that is really good as I find it easier to decipher computer code than financial documents. He is also not local because I like my finances private. I found him through a recommendation of a friend that retired a few years before me, RIP Ed.
delta1 Offline
#7 Posted: Wed, Aug 29 2018, 11:29 AM EST
Joined: 11-23-2011
Posts: 28,778
yes to the first four...CD, MM, MF (and ETF's - same as MF?), stocks ...

no to the last three...

my income is a PERS retirement, and they likely include the last three in their investment strategies/portfolio...
Cathcam13 Offline
#8 Posted: Wed, Aug 29 2018, 11:34 AM EST
Joined: 01-11-2018
Posts: 1,264
Gold, that’s where I keep my nest egg.
frankj1 Offline
#9 Posted: Wed, Aug 29 2018, 1:46 PM EST
Joined: 02-08-2007
Posts: 44,215
Plastics
teedubbya Offline
#10 Posted: Wed, Aug 29 2018, 1:51 PM EST
Joined: 08-14-2003
Posts: 95,637
Pork Bellies
RMAN4443 Offline
#11 Posted: Wed, Aug 29 2018, 4:59 PM EST
Joined: 09-29-2016
Posts: 7,683
High-end Jelly Beans...Anxious
fishinguitarman Offline
#12 Posted: Wed, Aug 29 2018, 11:54 PM EST
Joined: 07-29-2006
Posts: 69,148
Cathcam13 wrote:
Gold, that’s where I keep my nest egg.





Stocks?

No silver?
DrMaddVibe Offline
#13 Posted: Thu, Aug 30 2018, 8:22 AM EST
Joined: 10-21-2000
Posts: 55,394


CDs - No. The yields aren't there anymore.
MM's - No.
Mutual Funds - Yes. Fidelity and Vanguard
Stocks - Yes, but not as active as I used to be when I day traded.
Bonds - No.
Futures - No.
Options - No.

I also use one that you don't have listed. Annuities. I have 2 of them. They have performed quite nicely and I should be earning over 700.00 each a month when I'm ready. I looked at them when CD's stopped paying out double digits. I started with just one and then opened another 2 years ago.
Buckwheat Offline
#14 Posted: Thu, Aug 30 2018, 11:06 AM EST
Joined: 04-15-2004
Posts: 12,251
Mr. Jones wrote:
None of the above...

All my money $1++MILLION IN CASH was stolen by the FBI-SSG DIVISION...FROM MY HUT...

BUT AGENT55 SAYS "ITS IN THE U.S. TREASURY
" WAITING FOR ME TO CLAIM IT ON SOME #'D FORM...."

YEA...RRRRIIIIGGGGHHHTTTT

THOSE COWARD FELON CRIMINALS DIVY-ED IT UP AND SPENT IT ALREADY....NOTHING THE SSG STEALS OUTRIGHT EVER MAKES IT TO AN EVIDENCE LOCKER OR "ON ACCOUNT" @ THE U.S. TREASURY...


Interesting? I keep getting e-mails about claiming those funds.
Didn't know it was your money.

On the investment side. I don't have any useful information to give out except to buy low and sell high. Sarcasm
dstieger Offline
#15 Posted: Thu, Aug 30 2018, 11:23 AM EST
Joined: 06-22-2007
Posts: 10,889
All of ya'll...what's your liquid/rainy day strategy?

How many months of income?
How do you keep it?
How long would it take to access?

I'm recently in money market savings, because it's instantaneous, but at .65%, it grows more moss than interest
deadeyedick Online
#16 Posted: Thu, Aug 30 2018, 11:33 AM EST
Joined: 03-13-2003
Posts: 17,075
dstieger wrote:
All of ya'll...what's your liquid/rainy day strategy?

How many months of income?
How do you keep it?
How long would it take to access?

I'm recently in money market savings, because it's instantaneous, but at .65%, it grows more moss than interest


No good answer here. Have a few MM/savings accounts scattered around with banks and Vanguard but there is no way to keep liquid assets and not lose purchasing power at the same time. Therefore, I probably don't keep more than a few months in those accounts and just rely on wire transfer of funds from a mutual if the need ever arises. I can get at those in 48 hours.
Gene363 Offline
#17 Posted: Thu, Aug 30 2018, 11:42 AM EST
Joined: 01-24-2003
Posts: 30,799
deadeyedick wrote:
No good answer here. Have a few MM/savings accounts scattered around with banks and Vanguard but there is no way to keep liquid assets and not lose purchasing power at the same time. Therefore, I probably don't keep more than a few months in those accounts and just rely on wire transfer of funds from a mutual if the need ever arises. I can get at those in 48 hours.


+1
delta1 Offline
#18 Posted: Thu, Aug 30 2018, 4:31 PM EST
Joined: 11-23-2011
Posts: 28,778
I keep about 6 months worth of cash in a MM and another month or two in an interest paying checking account...both ATM accessible...total is well under FDIC insurance amount...
fishinguitarman Offline
#19 Posted: Fri, Aug 31 2018, 12:25 AM EST
Joined: 07-29-2006
Posts: 69,148
dstieger wrote:
All of ya'll...what's your liquid/rainy day strategy?

How many months of income?
How do you keep it?
How long would it take to access?

I'm recently in money market savings, because it's instantaneous, but at .65%, it grows more moss than interest





Not much better than nothing.
fishinguitarman Offline
#20 Posted: Tue, Sep 4 2018, 11:50 AM EST
Joined: 07-29-2006
Posts: 69,148
so I'm getting safe mm or gamble stocks
dstieger Offline
#21 Posted: Tue, Sep 4 2018, 11:56 AM EST
Joined: 06-22-2007
Posts: 10,889
fishinguitarman wrote:
Not much better than nothing.



No, I suppose not....but it was getting lumpy keeping it under the mattress
delta1 Offline
#22 Posted: Wed, Sep 5 2018, 11:25 AM EST
Joined: 11-23-2011
Posts: 28,778
The rates for MMs will slowly creep up, as the Feds goose their bank rate to 2% by the end of 2019. Not huge, but better than nothing...and safe...

The collapse of 2007/2008 convinced me that I have to keep some cash as safe as possible...my other investments took a massive hit then...

and with the de-regulation of the finance industry and roll-back of Dodd-Frank, it's easy to see a repeat of some kind...those bassards are always looking for ways to separate the average Joe from his money, and put it into their own pockets...ram27bat
deadeyedick Online
#23 Posted: Wed, Sep 5 2018, 12:12 PM EST
Joined: 03-13-2003
Posts: 17,075
I just saw an advertisement for one bank offering 2.32% on money market. Minimum investment was $10,000 but it’s better than nothing. Still won’t keep up with inflation though.
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