$100k to invest
 

So i have around $100k to invest

What is, in your opinion and experience, the best way to invest this in 2019 ?

Requirement :
- no hassle, it must be simple and not taking too much time
- secure : i don't care if it makes 3-6% as long as i'm not loosing money.
- no crypto or shit like that, no online business, don't ask me to invest on your website please
- 5 years investment, easy to get out of


Nowadays in the EU or US, there is no inflation like in the 70-80's.
At that time, it made sense to invest in real estate as your cash would not deflate and real estate would make you money with time.
Nowadays, i think buying in real estate is shitty :
1 - there is almost no inflation, which means that $100k today will be $98k in 5 years. Back in the 70's, $100k was $70k 5 years later.
2 - Housing Prices have inflated for the past 30-40 years and they are at their maximum. Maybe only for exceptional products of $10M, you'll be lucky and sell it at $12M in 5 years. But for $100k real estate, prices are already at their max, there is no way to make money in 5 years.

So... is there any investment opportunity for $100k that are safe and that will make 3 to 6% per year and which are easy to get out of in 5 years ?

I'm mostly looking to invest in the EU since i'm based here, but i keep an open mind for any opportunity.

Look for topic : Bitcoin price 100k USD before end of 2018 :)

gold bars?

4% over a year for 100K is not impossible to get from a legit bank atm. I just put away 100K at 2% with instant access a few months ago, but I'm quite sure that if you commit it for 5 years and you won't touch it, you can get 4/5% without any hassle from major safe international private banks.

Agree how real estate is shitty, i calculated how you can make money with it only if you buy it with cash, and have steady rent income for atleast 15-20 years which is way way to long , not to mention it also depend where do you buy as whole city can decline. In real estate is much better choice to buy unfurnished flat, fix it and then sell it for bigger price to get instant ROI.

You could put it in REITs.

They pay monthly dividends.

Take Apple Hospitality REIT, Inc. (ticker symbol: APLE) They own a bunch of Marriott and Hilton hotels - relatively safe. They pay a monthly .10 per share dividend on shares you own. @ the current price of $16.43 you could buy 6086 shares. @ .10 a dividend you'd get $680.00 a month x 12 = $7303.00 a year = 7.3% gain.

These are considered "Non-qualified dividends" and are taxed at your normal income tax rate.

Dividend aristocrats

I invest in wood...I buy wood and have it cut in to planks and then I dry the wood...then I have it cut in to floor parquet and make bank...I have around 400 square meters of space to store the curing wood....my profit is around 30% but I can not scale it up without significant investment and my expenses are just gasoline and a few $ to the dude with the cutting machine...I sell the cheapest class of parquet because I do not know shit about making it LOL...

You calculated wrong and you do not buy RE with cash.

Here's a super fast example with obvious things left out but it should put you in the right frame of mind.

EXP 1: You buy one house for $100,000. It rents out at 1k a month = $12,000 a year.

in 20 years | $12,000 x 20 years = $240,000 + (lets say the house doubled in value) $200,000 + $240,000 = you made $440,000 on your $100,000 investment.


EXP 2: You take your $100,000 and buy 10 houses putting down $10,000 on each house. They rent our for 1k each but most goes towards paying down mortgage. After 20 yrs, mortgages are paid off and (lets say they are now renting out for $2,000 a month) $24,000 in rental income. Now you have 10 houses worth $200,000 a piece = $2,000,000 with $24,000 a month in income.

I'm tone-deaf for profiteering . . .

What does it look like? Got any pics of the finished product?

I cannot disagree more ...

Real estate is where you got other people money ( banks ) work for you ...

His 100K will give him access to another 400K , with that he can buy a 3 units rental property ... Mortgage payments paid by the tenants ( let say about 8K a year ) , and he still has plus value with the years, mainly if the rents are increased regurarely.

So 8K/year on 100K gives you 8 % .
If the property value increase is a mere 2 % , that gives 10K , 10%

Total: 18K on 100K : 18% ... covers inflation just fine

Taxes: comes to 0 income by amortizing some of the principal .

Disadvantages: you must work a bit ( maintenance, leases, conflicts, ...)
Advantages: you can pass expenses against the income

:2 cents:

The more you have, the bigger headaches, the more destruction, the more shit tenants, the more time you spend in housing courts etc.

It's definitely not passive.

I mainly sacrifice myself for my kids. I plan to leave it for them but they will probably just dump them and piss the money away when I'm dead :1orglaugh

Adult production and distribution...pheww 6 %..... 100% double your money over 2 years, that is where it is at. :thumbsup

What if house lose it's value twice, what then?

Are you reffering to investing by using mortgage? In that way, i can see it to make it work compared to cash investment, in fact i meet a dude recently which claims how he make good money with it, tho it's kind unknown area to me.

Anything is possible, but investment properties are not like single family homes. They fluctuate but they are anchored in the fact that they are based off of rental income. Do you think what you pay for rent today will be the same or less in 20 years?

its "commie" parquet like this...the easiest to make and the lowest class possible...


https://www.parketmarket.com/images/...t-Hrast-2a.jpg

i am very interested to know where you get houses that do not need maintenance, not need insurance and always have renters that really pay you.

jezz also asked for investment in europe. I am not sure how much you know about rights of renters here. it can take you years to get them out if they don´t pay you and damage your property.

what does not mean that investment in a house is not an option. but on the longterm it is far less as one have expected. and if you make the whole thing as a biz you always deal with 51% good and 49% bad decisions. the profit is a mix of both.

That's why the first lineof my reply says "Here's a super fast example with obvious things left out but it should put you in the right frame of mind.



OP said he preferred EU but "i keep an open mind for any opportunity." Which is why I suggested REITS. My RE advice was towards KlenTelaris - follow along, Thomas.


This reminds me of that thread where I completely schooled you on this very subject and you stammered off only to see you regurgitating my real estate investing advice in another thread:1orglaugh

I know several people that did it this way. Did it when they where around 30 with big mortgages and stopped working. They could live from the rentals and pay some off (not needed to pay them all off, just pay the interest).

But buying for 100.000 won't work anymore. Houses have doubled in price in 5 years. You need at least 200.000 and the rent will be around 1000 - 1500 a month.

In Holland you have to finance 30% yourself. But it still is possible to get it financed and have enough money to live from and pay the mortgage. But sometimes it is not needed to pay off the mortgage and the interest is around 3 - 5%! After 30 years you take another mortgage, or pay of the house with cash. In Holland you don't pay taxes on rental income and cause it is all debts (mortgages) also no wealth tax.

PS, those houses are always occupied cause there is a shortage of houses in Holland since 100 years. And looks like they aren't even able to build enough for new people coming in.

we are in Q2 2019 now :pimp

You might want to look into 3D printing. Do some serious recearch into companies that are extruding affordable housing, or printing prosthetic limbs. There are literally hundreds of new exciting applications for this super fast growing industry.



Forbes
Each year, 3D printing experts and followers eagerly await the Wohlers Report to get their finger on the pulse of the industry. The Wohlers Report 2019 forecasts for 2020 is $15.8 billion for all AM products and services worldwide. The company expects that revenue forecast to climb to $23.9 billion in 2022, and $35.6 billion in 2024.

The 24th annual Wohlers Report mirrors the general state of the industry: Their report grows in page count as does the industry revenue. This year the report is at 369 pages. It is filled with insights and data (lots and lots of data), such as,

Benefits and challenges of designing for AM
Listing of 107 early-stage investments valued at nearly $1.3 billion
The overall materials segment of the industry saw record growth in 2018.
Revenue from metals grew an estimated 41.9%, continuing a five-year streak of more than 40% growth each year.

It probably won't hit $100k for many years :2 cents:

Well well well... I'm still looking for a 100K investor for my uberpipe start-up:

https://66.media.tumblr.com/c37a2cff...zrko1_1280.jpg

Hit me up if interested!