curtpenn said:

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Fun question to ponder. So much depends on one's age, appetite for risk, other existing assets, etc. As an active trader for 30 years who is now retired and looking to cut back on risk, preserve capital, and simplify my stock portfolio (probably too many tickers in there now, but I've been whittling them down the last couple of years), I'd look to portion that 100K out among the following: SCHD, XLV, XLK, MGK, SMH, MOAT, and T-bills. If you are into options, you can sell cash secured puts on these and either collect premium or get assigned. Once assigned, you could sell covered calls against. I keep strangles on most of my core holdings, fwiw.

One can spend (waste?) many hours building portfolios to see how they have performed. Here's a free and fun tool: https://www.portfoliovisualizer.com/backtest-portfolio

You can build a portfolio that has beaten SPY consistently with smaller draw downs with the above mentioned. Of course, past performance is no guarantee of future blah, blah, blah... Good luck.

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Doc Holliday said:

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curtpenn said:

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Fun question to ponder. So much depends on one's age, appetite for risk, other existing assets, etc. As an active trader for 30 years who is now retired and looking to cut back on risk, preserve capital, and simplify my stock portfolio (probably too many tickers in there now, but I've been whittling them down the last couple of years), I'd look to portion that 100K out among the following: SCHD, XLV, XLK, MGK, SMH, MOAT, and T-bills. If you are into options, you can sell cash secured puts on these and either collect premium or get assigned. Once assigned, you could sell covered calls against. I keep strangles on most of my core holdings, fwiw.

One can spend (waste?) many hours building portfolios to see how they have performed. Here's a free and fun tool: https://www.portfoliovisualizer.com/backtest-portfolio

You can build a portfolio that has beaten SPY consistently with smaller draw downs with the above mentioned. Of course, past performance is no guarantee of future blah, blah, blah... Good luck.

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Thanks for this!

I want to learn about options.

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curtpenn said:

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Doc Holliday said:

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curtpenn said:

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Fun question to ponder. So much depends on one's age, appetite for risk, other existing assets, etc. As an active trader for 30 years who is now retired and looking to cut back on risk, preserve capital, and simplify my stock portfolio (probably too many tickers in there now, but I've been whittling them down the last couple of years), I'd look to portion that 100K out among the following: SCHD, XLV, XLK, MGK, SMH, MOAT, and T-bills. If you are into options, you can sell cash secured puts on these and either collect premium or get assigned. Once assigned, you could sell covered calls against. I keep strangles on most of my core holdings, fwiw.

One can spend (waste?) many hours building portfolios to see how they have performed. Here's a free and fun tool: https://www.portfoliovisualizer.com/backtest-portfolio

You can build a portfolio that has beaten SPY consistently with smaller draw downs with the above mentioned. Of course, past performance is no guarantee of future blah, blah, blah... Good luck.

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Thanks for this!

I want to learn about options.

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Almost endless info out there easily available online now about options. I fiddled with them off and on almost 20 years but never managed to do much more than break even in a good year. Finally started listening a lot to Tom Sosnoff who is an interesting guy with a fascinating story. He is the founder of TastyWorks. They have hours of live streaming every day. A lot of their basics make sense to me and I've gradually learned to keep things very simple while looking to just make a little here and there regardless of market direction as we go along while essentially staying fully invested. It's beyond my ability to trade my way to a fortune. Ask me how I know. You might also just search the term "the wheel" as it pertains to options. That accounts for maybe 80% of the options I trade.

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Doc Holliday said:

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If you had $100k, what investment vehicle would you choose?

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Doc Holliday said:

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If you had $100k, what investment vehicle would you choose?

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Ghostrider said:

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Doc Holliday said:

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If you had $100k, what investment vehicle would you choose?

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12 month cd at 4.9%

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Oldbear83 said:

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RD2WINAGNBEAR86 said:

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Doc Holliday said:

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If you had $100k, what investment vehicle would you choose?

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CDs are becoming safe and sexy again. You can get 4.9 APR for a 3 month and 5 percent for locking in for a year. I expect markets to remain extremely volatile as long as President Memory Care and his flying monkeys are steering the ship.

I remember back in the mid/ late 80s, CDs were paying 14-15 percent. Don't think we will see those again, but I believe interest rates have more room to rise.

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Along these lines, if you have a CD making 'meh' rates, call your bank and tell them you are moving your CD to another bank, but will consider staying if they can offer a higher rate. My wife and I kept our CDs at two banks that way but moved their interest rates from 2.5% and 2.6% APR to 4.35% APR for a 12-month CD.

A third bank could only offer 0.5% on a renewal, so we moved that CD to one offering the 4.35%.

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Oldbear83 said:

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Tempus Edax Rerum said:

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Oldbear83 said:

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RD2WINAGNBEAR86 said:

---

Doc Holliday said:

---

If you had $100k, what investment vehicle would you choose?

---

CDs are becoming safe and sexy again. You can get 4.9 APR for a 3 month and 5 percent for locking in for a year. I expect markets to remain extremely volatile as long as President Memory Care and his flying monkeys are steering the ship.

I remember back in the mid/ late 80s, CDs were paying 14-15 percent. Don't think we will see those again, but I believe interest rates have more room to rise.

---

Along these lines, if you have a CD making 'meh' rates, call your bank and tell them you are moving your CD to another bank, but will consider staying if they can offer a higher rate. My wife and I kept our CDs at two banks that way but moved their interest rates from 2.5% and 2.6% APR to 4.35% APR for a 12-month CD.

A third bank could only offer 0.5% on a renewal, so we moved that CD to one offering the 4.35%.

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12 month T-bill yields 4.78%

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Long story but my wife won't spend money on any government product ...

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Doc Holliday said:

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Ghostrider said:

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Doc Holliday said:

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If you had $100k, what investment vehicle would you choose?

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12 month cd at 4.9%

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It's money I don't want to touch for like 16 years or so.

I want to compound it.

Would a CD still be good for this?

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william said:

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hull's text is still highly regarded:

https://www.amazon.com/Options-Futures-Other-Derivatives-11th/dp/B0B9JS99C2/ref=sr_1_1?crid=28KLFGB9RJQ0A&keywords=john+hull+options+futures+and+other+derivatives+11th+edition&qid=1681415537&sprefix=hull+options+11th+edi%2Caps%2C207&sr=8-1

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Oldbear83 said:

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Tempus Edax Rerum said:

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Oldbear83 said:

---

RD2WINAGNBEAR86 said:

---

Doc Holliday said:

---

If you had $100k, what investment vehicle would you choose?

---

CDs are becoming safe and sexy again. You can get 4.9 APR for a 3 month and 5 percent for locking in for a year. I expect markets to remain extremely volatile as long as President Memory Care and his flying monkeys are steering the ship.

I remember back in the mid/ late 80s, CDs were paying 14-15 percent. Don't think we will see those again, but I believe interest rates have more room to rise.

---

Along these lines, if you have a CD making 'meh' rates, call your bank and tell them you are moving your CD to another bank, but will consider staying if they can offer a higher rate. My wife and I kept our CDs at two banks that way but moved their interest rates from 2.5% and 2.6% APR to 4.35% APR for a 12-month CD.

A third bank could only offer 0.5% on a renewal, so we moved that CD to one offering the 4.35%.

---

12 month T-bill yields 4.78%

---

Long story but my wife won't spend money on any government product ...

---

blackie said:

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Oldbear83 said:

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Tempus Edax Rerum said:

---

Oldbear83 said:

---

RD2WINAGNBEAR86 said:

---

Doc Holliday said:

---

If you had $100k, what investment vehicle would you choose?

---

CDs are becoming safe and sexy again. You can get 4.9 APR for a 3 month and 5 percent for locking in for a year. I expect markets to remain extremely volatile as long as President Memory Care and his flying monkeys are steering the ship.

I remember back in the mid/ late 80s, CDs were paying 14-15 percent. Don't think we will see those again, but I believe interest rates have more room to rise.

---

Along these lines, if you have a CD making 'meh' rates, call your bank and tell them you are moving your CD to another bank, but will consider staying if they can offer a higher rate. My wife and I kept our CDs at two banks that way but moved their interest rates from 2.5% and 2.6% APR to 4.35% APR for a 12-month CD.

A third bank could only offer 0.5% on a renewal, so we moved that CD to one offering the 4.35%.

---

12 month T-bill yields 4.78%

---

Long story but my wife won't spend money on any government product ...

---

If you are going with CDs, you can get better rates with brokered CDs, as it gives you access to banks large and small, regional and national, versus having to look at multiple banks yourself. Schwab and TD Ameritrade have an excellent variety of options. I would guess other major brokers have similar offerings. Usually there is no fee or commission involved if you do the transactions online.

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RD2WINAGNBEAR86 said:

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blackie said:

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Oldbear83 said:

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Tempus Edax Rerum said:

---

Oldbear83 said:

---

RD2WINAGNBEAR86 said:

---

Doc Holliday said:

---

If you had $100k, what investment vehicle would you choose?

---

CDs are becoming safe and sexy again. You can get 4.9 APR for a 3 month and 5 percent for locking in for a year. I expect markets to remain extremely volatile as long as President Memory Care and his flying monkeys are steering the ship.

I remember back in the mid/ late 80s, CDs were paying 14-15 percent. Don't think we will see those again, but I believe interest rates have more room to rise.

---

Along these lines, if you have a CD making 'meh' rates, call your bank and tell them you are moving your CD to another bank, but will consider staying if they can offer a higher rate. My wife and I kept our CDs at two banks that way but moved their interest rates from 2.5% and 2.6% APR to 4.35% APR for a 12-month CD.

A third bank could only offer 0.5% on a renewal, so we moved that CD to one offering the 4.35%.

---

12 month T-bill yields 4.78%

---

Long story but my wife won't spend money on any government product ...

---

If you are going with CDs, you can get better rates with brokered CDs, as it gives you access to banks large and small, regional and national, versus having to look at multiple banks yourself. Schwab and TD Ameritrade have an excellent variety of options. I would guess other major brokers have similar offerings. Usually there is no fee or commission involved if you do the transactions online.

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Great advice, blackie. Fidelity Investments is a great option as well.

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Tempus Edax Rerum said:

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Doc Holliday said:

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If you had $100k, what investment vehicle would you choose?

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TSM
ASML
COST
NVDA
AAPL
AMD
BRK-B
LLY

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Doc Holliday said:

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If you had $100k, what investment vehicle would you choose?

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Aliceinbubbleland said:

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Tempus Edax Rerum said:

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Doc Holliday said:

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If you had $100k, what investment vehicle would you choose?

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TSM
ASML
COST
NVDA
AAPL
AMD
BRK-B
LLY

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I like this.

I've had a lot of success with selling covered calls the last year and loading up 70% on T-Bills. But hey, I'm way over 80 years of age lol.

The youth in my trading mind makes me want to chose the eight above, maybe minus BRK-B.

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Tempus Edax Rerum said:

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Aliceinbubbleland said:

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Tempus Edax Rerum said:

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Doc Holliday said:

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If you had $100k, what investment vehicle would you choose?

---

TSM
ASML
COST
NVDA
AAPL
AMD
BRK-B
LLY

---

I like this.

I've had a lot of success with selling covered calls the last year and loading up 70% on T-Bills. But hey, I'm way over 80 years of age lol.

The youth in my trading mind makes me want to chose the eight above, maybe minus BRK-B.

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I am up 24% so far this year as of today's close. I have some other names in my portfolio not mentioned in this list.

Yeah, probably not a good idea at your age!

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PartyBear said:

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If you had asked this 15 years ago, knowing what I know now, I would have said buy a building or other real property in the down town Waco area.

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Doc Holliday said:

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If you had $100k, what investment vehicle would you choose?

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ScottS said:

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Doc Holliday said:

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If you had $100k, what investment vehicle would you choose?

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My wife and I are buying a waterfront lot in the Bahamas. It will take us a bit to add some cottages to it. Anyway, this is how we are investing $100k.

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Doc Holliday said:

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ScottS said:

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Doc Holliday said:

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If you had $100k, what investment vehicle would you choose?

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My wife and I are buying a waterfront lot in the Bahamas. It will take us a bit to add some cottages to it. Anyway, this is how we are investing $100k.

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Thats cool, What kind of profit/returns are you expecting?

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