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KwarK
Profile Blog Joined July 2006
United States42653 Posts
September 19 2021 16:10 GMT
#1581
On September 19 2021 17:24 pebble444 wrote:
How do I invest money to get back a small return of it every month, while keeping intact the main sum, at a low risk?

Risk and return are correlated. Higher risk, higher return. If the priority for you is keeping the principal intact then a savings account which is guaranteed is best. But in practical terms most riskier investments that are left alone for a few years will exceed the principal. If I put $10 in the US stock market ten years ago it’d now be worth about $50. It would take a -80% crash to go back down to my original $10. That means that my principal $10 is safe in a -30% crash, like the 2020 covid one. But if you would think “the $50 is all mine now” and hate seeing it go from $50 to $35 then it may be too risky for you. Over a long enough time frame high risk becomes low because the higher returns compound at a much higher rate.
ModeratorThe angels have the phone box
pebble444
Profile Blog Joined March 2011
Italy2497 Posts
September 19 2021 17:46 GMT
#1582
On September 19 2021 19:03 evilfatsh1t wrote:
Show nested quote +
On September 19 2021 17:24 pebble444 wrote:
How do I invest money to get back a small return of it every month, while keeping intact the main sum, at a low risk?

technically a savings account in a bank fits your description


Is there any risk, from outside involvement, National issues, that my account would be then in some ways manhandled?

On September 20 2021 01:10 KwarK wrote:
Show nested quote +
On September 19 2021 17:24 pebble444 wrote:
How do I invest money to get back a small return of it every month, while keeping intact the main sum, at a low risk?

Risk and return are correlated. Higher risk, higher return. If the priority for you is keeping the principal intact then a savings account which is guaranteed is best. But in practical terms most riskier investments that are left alone for a few years will exceed the principal. If I put $10 in the US stock market ten years ago it’d now be worth about $50. It would take a -80% crash to go back down to my original $10. That means that my principal $10 is safe in a -30% crash, like the 2020 covid one. But if you would think “the $50 is all mine now” and hate seeing it go from $50 to $35 then it may be too risky for you. Over a long enough time frame high risk becomes low because the higher returns compound at a much higher rate.


Well, what I am looking for is the lowest risk possible, and even blocking the money, over the course of the next 15 years; I would rather have the lowest return possible, with the lowest risk possible; now I understand that apart from keeping my money in my physical pocket, there is some risk regardless; however the country’s politics are stable, I heard that’s something to consider while investing;

Gives what you both said, maybe an investment for a return is not in my best interest; perhaps buying gold is a better idea? My priority is protecting as much as possible the initial lump sum; this leads me to another question, how do I protect over time against inflation?
"Awaken my Child, and embrace the Glory that is your Birthright"
evilfatsh1t
Profile Joined October 2010
Australia8649 Posts
Last Edited: 2021-09-19 19:12:00
September 19 2021 18:08 GMT
#1583
if youre serious about absolutely minimising risk without concern for your rate of return then yes, a bank is probably the best place to put your money.
even then theres no such thing as zero risk but the chances of a reputable bank losing your $100,000 is next to zero.
i actually posted my savings account suggestion as kind of a joke because i didnt think you were looking for that sort of low risk/return investment, and also exactly because of your last question which relates to inflation. i dont know anything about italy's inflation and interest rates but if you took australia for example, putting money into a bank right now would make me lose money.
so if you want to secure a return that is always higher than the rate of inflation then you need to look further than banks. still, you wont be looking at that high of a return rate and so what kwark said about investing in a stock market for 10 years would probably suffice.
Emnjay808
Profile Blog Joined September 2011
United States10655 Posts
September 19 2021 19:05 GMT
#1584
Not financial advice.

But in theory if you have 10k in savings. And you use 10% of that in stocks (1k). You could potentially net more gains from that 1k in stock market exchange than you would if you kept the rest of your 9k in a bank to earn annual interest. With this comes your usual due diligence and HODLing when youre in the red (you will be in the red).

In a very simple/laymen term, the bank already uses your savings to build on their capital to swing their big dicks around with the market anyways. (Someone please correct me if Im wrong)

Overall my take on this is to invest in things that you believe are undervalued and hold a future. So when youre in the red, you wont be leaning towards selling at a loss (which you should never do if you did your DD). Again not financial advice
Skol
LegalLord
Profile Blog Joined April 2013
United Kingdom13775 Posts
September 19 2021 19:55 GMT
#1585
You could also look into money market funds, which are the same brand of minimal risk with a return on investment. A historically low one due to zero interest rates in the first world, but it can be storing your money with the government rather than with banks - potentially better. Could make it US money market funds if the prospect of keeping your money in USD is preferable.

Index funds or bonds for slightly more risk, and gambling on a new crypto coin for yet more risk, if those options interest you.
History will sooner or later sweep the European Union away without mercy.
KwarK
Profile Blog Joined July 2006
United States42653 Posts
September 19 2021 21:38 GMT
#1586
CDs, money markets, savings accounts etc. are what you’re after. Things that will never lose their value. Previous metals are a fairly speculative investment, you can’t spend them so you’re betting that someone will give you more for them in the future than today.
ModeratorThe angels have the phone box
{CC}StealthBlue
Profile Blog Joined January 2003
United States41117 Posts
September 20 2021 13:35 GMT
#1587
It's gonna be a bad day.
"Smokey, this is not 'Nam, this is bowling. There are rules."
LegalLord
Profile Blog Joined April 2013
United Kingdom13775 Posts
September 20 2021 13:38 GMT
#1588
A percent down after months and months of boundless growth isn't that big a deal. Let's see if it lasts.
History will sooner or later sweep the European Union away without mercy.
{CC}StealthBlue
Profile Blog Joined January 2003
United States41117 Posts
September 20 2021 13:39 GMT
#1589
futures down 508 points.

"Smokey, this is not 'Nam, this is bowling. There are rules."
{CC}StealthBlue
Profile Blog Joined January 2003
United States41117 Posts
September 20 2021 14:04 GMT
#1590
So Chinese real estate has collapsed it seems. Guangzhou R&F Properties has collapsed although executives have pledged a billion dollars in funding. And Sinic has dropped 87% and trading halted. Evergrande is still a raging inferno nobody wants to talk about.
"Smokey, this is not 'Nam, this is bowling. There are rules."
{CC}StealthBlue
Profile Blog Joined January 2003
United States41117 Posts
Last Edited: 2021-09-20 16:00:03
September 20 2021 15:59 GMT
#1591
Here's Bloomberg's Odd Lots podcast talking about Evergrande was recorded on the 15th, they have Travis Lundy who has been shorting the company for years.

Link
"Smokey, this is not 'Nam, this is bowling. There are rules."
GoTuNk!
Profile Blog Joined September 2006
Chile4591 Posts
September 20 2021 17:33 GMT
#1592
On September 20 2021 22:38 LegalLord wrote:
A percent down after months and months of boundless growth isn't that big a deal. Let's see if it lasts.


Exactly. Wonder how low the dip will be to buy more
{CC}StealthBlue
Profile Blog Joined January 2003
United States41117 Posts
September 20 2021 19:09 GMT
#1593
So now the market is down by 5% just short of a first circuit breaker pull lol
"Smokey, this is not 'Nam, this is bowling. There are rules."
Oukka
Profile Blog Joined September 2012
Finland1683 Posts
September 20 2021 19:34 GMT
#1594
I kind of regret following my usual monthly schedule and buying some funds last week instead of waiting a few more days until this whole Evergrande mess started hitting the market. But hindsight is easy and I'm not not bothered by the short term so not losing sleep over it.
I play children's card games and watch a lot of dota, CS and HS
LegalLord
Profile Blog Joined April 2013
United Kingdom13775 Posts
September 20 2021 19:40 GMT
#1595
Gold did alright for me today. Generally doing worse than most of my stock investments, but today in particular it was pretty decent.
History will sooner or later sweep the European Union away without mercy.
Emnjay808
Profile Blog Joined September 2011
United States10655 Posts
September 20 2021 21:27 GMT
#1596
Today was brutal. Not looking at my webull account for the rest of the week I think lol.
Skol
LegalLord
Profile Blog Joined April 2013
United Kingdom13775 Posts
September 22 2021 06:17 GMT
#1597
Oil & gas look like they're doing pretty well lately. Not like 2010-era well, but up a fair bit for where we are now I guess. Haven't seen $4 gasoline since oil was in the $120 range, so something must be going right for those folks.
History will sooner or later sweep the European Union away without mercy.
Vivax
Profile Blog Joined April 2011
21972 Posts
September 22 2021 07:50 GMT
#1598
I doubt this Evergrande story is going anywhere. Bought a bunch of DJI calls yesterday with a probing sum. Tempted to go into palladium but nah. Still of the opinion that commodity derivatives are risky business. Finding coins made of that is hard and there's a premium of about 400 bucks atm.
{CC}StealthBlue
Profile Blog Joined January 2003
United States41117 Posts
Last Edited: 2021-09-22 16:18:15
September 22 2021 16:17 GMT
#1599


"Smokey, this is not 'Nam, this is bowling. There are rules."
jjun212
Profile Joined December 2004
Canada2208 Posts
September 22 2021 18:17 GMT
#1600
Well this is cool
Prev 1 78 79 80 81 82 148 Next
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