1. annuity, some annuity offers 10% bonus, and guarantee 5% a year, but you can't withdraw principle for 7+ more years. now, I personally don't care much annuity products, but it is a underwriting product guarantee by your state to some extend, unlike regular life insurance, only up to certain amount, most states guarantee only 100k, while on most life insurance policy, state guarantee up to face value(not cash value).
2. corp bonds, I don't care on them either, I talk to a Merrill lynch adviser once, I think they offer a floating bond, with a guarantee of 5%? ( do we have any Merrill Lynch people here??? to confirm???), but its not FDIC insured.
3. stocks, easy way just buy index fund. or if you think you better than 95% of trader, go for it yourself..,
4. REIT, some REIT offer dividend high as 20% a year, but I don't think that can last forever.
5. hardmoney lender, usually with first lien against property you loan to, high risk, can fail miserably.
6. Landlord, haha, like all other biz, 90% failure rate. can easily achieve 10% return.
7....lol
omg, can't believe I actually wrote all these on my phone....
我和我老公都已40多岁了，年收入23万多点，一个自住房3年前付清，现在有20万现金不知道投资什么，我觉得房子不是很好的选择，因为我俩都是懒人，怕麻烦。所以想问问，有什么别的投资，不求太高的回报，只要能挣回通涨再小有盈利就行。
现在每月花费如下：（算算大约5500）
1，水电垃圾网路电话电视 600
2，买菜，家里日常生活用品，出去吃饭 1200，忘了午餐费了小孩加大人一个月大约350刀
3，娱乐，穿衣打扮 300
4，每年两次度假平均每月 1000(如果回国再加1万刀，不过平均2，3年才回一次）
5，地税平均每月 1000
6，车，房保险 300
7，孩子课外活动 400
8，汽油 400 （ LD上班来回将近2个小时）
基本上就这些，除了预扣税，401K放满，员工购股，每月可拿回的工资大约一万刀（不知道为啥，去年还补交2万刀税！）。没买529和任何人寿保险（除了在公司买的）
请大牛指点，多谢
我不是大牛。
赚得越快越好。。。
边界条件都定了，方程谁不会解啊？
要不换公司离家近点，要不换房子离公司近点。
一天才24小时，两个小时就花掉了，相当于折寿8%。
财不入懒门...
Do you understand what you are talking about?
2个解释：
一个是开的focus一类的cheap car
另一种情况就是，挖坑挖的忘了真实的detail。。。
you have 500,000 already, and contribution is 33000+6%X230000, this is about 50000 annually.
You goal is 2M.
The investment return you need is 9.5%.
I bet most of people here can not do it while no effort is required.
somebody has to pay for it..
high return = high risk..
I am in the landlord biz, has been, and properly always will...
80+% of my networth, is in real estate.
1. annuity, some annuity offers 10% bonus, and guarantee 5% a year, but you can't withdraw principle for 7+ more years. now, I personally don't care much annuity products, but it is a underwriting product guarantee by your state to some extend, unlike regular life insurance, only up to certain amount, most states guarantee only 100k, while on most life insurance policy, state guarantee up to face value(not cash value).
2. corp bonds, I don't care on them either, I talk to a Merrill lynch adviser once, I think they offer a floating bond, with a guarantee of 5%? ( do we have any Merrill Lynch people here??? to confirm???), but its not FDIC insured.
3. stocks, easy way just buy index fund. or if you think you better than 95% of trader, go for it yourself..,
4. REIT, some REIT offer dividend high as 20% a year, but I don't think that can last forever.
5. hardmoney lender, usually with first lien against property you loan to, high risk, can fail miserably.
6. Landlord, haha, like all other biz, 90% failure rate. can easily achieve 10% return.
7....lol
omg, can't believe I actually wrote all these on my phone....
每天2个hours的路，either suv or van 是不够的No matter where you fill
gas...no matter how much rebat you got...
他公司离家50迈，每周4天大约400迈，一天WFH，周末有时候附近郊游。然后我就是上下班，接送小孩，课外后动，买菜烧瓶啥的。两车都20多迈/加仑耗油
长了就出一部分，跌了（低于出价）再买回来。来回搓。不用费力炒股。懒了就少搓几次一年。
再买点INTC压箱底，都比放Bank强点。
3。既然懒，不要买个股。 每次发工资时买指数ETF.
投资风险不可预测，还记得2008年吗？