Author Topic: Where to invest $200,000 to generate income  (Read 87073 times)

ktalarico23

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Where to invest $200,000 to generate income
« on: March 31, 2014, 08:49:58 AM »
If I had $200,000 cash to invest today, and I wanted it to generate a monthly income of $3,500 for the next 40 years starting today, where would I invest it?

matchewed

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Re: Where to invest $200,000 to generate income
« Reply #1 on: March 31, 2014, 08:52:32 AM »
Nope.

Not happening.

oldladystache

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Re: Where to invest $200,000 to generate income
« Reply #2 on: March 31, 2014, 08:54:48 AM »
lottery tickets

innerscorecard

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Re: Where to invest $200,000 to generate income
« Reply #3 on: March 31, 2014, 09:05:50 AM »
Your own private business. But then it's not just the money doing the work, but also your hard work.

arebelspy

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Re: Where to invest $200,000 to generate income
« Reply #4 on: March 31, 2014, 09:07:14 AM »
You're looking for a 21% return (3500/mo x 12 mo = 42000 annually / 200k invested = 21%).

It can be done, but would involve lots of risk.  A high risk investment and/or leverage.

It can work for a short time, but isn't sustainable, your risk of ruin (ROR) is too high.

It doesn't fit your "last for 40 years" requirement.

I believe Bernie Madoff offered products that would fit your criteria.  For a short time.

If you're willing to work, solid real estate can offer about half that, then you can add a few extra percent with leverage, a few extra percent with sweat equity, and a few extra percent with managing/landlording it yourself.

It will be a lot of work required, but that's about the closest you could get.

The most feasible plan I can come up with regarding that would be essentially: 200k down on a 670k apartment (70% LTV), 470k loan @ 6%.  Assume 2% and 50% rules for income and expenses (we're spitballing here).  13.4k gross monthly rents.  6.7k net rents - 2800 mortgage payment = 3900 monthly income.

It's a stretch, but plausible.  It'll take a lot of work to find and your numbers will look worse if it's in a decent area.

Like I said: it'll take a lot of work, risk, and/or leverage.
« Last Edit: March 31, 2014, 10:19:59 AM by arebelspy »
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kyleaaa

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Re: Where to invest $200,000 to generate income
« Reply #5 on: March 31, 2014, 09:34:44 AM »
Start your own wildly-successful business or get extraordinarily lucky in real estate. Or win the lottery.

There is no sound investment strategy that could get you even half that in cash returns.

AlanStache

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Re: Where to invest $200,000 to generate income
« Reply #6 on: March 31, 2014, 09:54:10 AM »
Somali pirate exchanges might offer that if you dont mind moving, joining a clan and never returning to the developed world.  Remember to diversify among raiding parties.  Also be sure to get in on the book deals for the next "Capt Philips" incident.

Lending Club might also get you ~half that but that is risky and very illiquid, and would be hard to get that much into the market.

warfreak2

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Re: Where to invest $200,000 to generate income
« Reply #7 on: March 31, 2014, 12:45:28 PM »
Grow and refine cocaine. Or buy some muscle and shake the locals down. Sell kidneys to desperate people and offer financing at high interest rates, using the non-payers as your supply. Run silent auctions for bridges and islands you don't own, and collect from every bidder.

MissStache

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Re: Where to invest $200,000 to generate income
« Reply #8 on: March 31, 2014, 12:49:50 PM »
Meth lab

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Re: Where to invest $200,000 to generate income
« Reply #9 on: March 31, 2014, 01:35:13 PM »
I keep circling back to discover the right opportunity :-) and while ^ we have some really creative ideas I am waiting for the legal answer to this great opportunity of a lifetime! :-)

freedom14

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Re: Where to invest $200,000 to generate income
« Reply #10 on: March 31, 2014, 02:47:06 PM »
Real Estate - a multi-unit building (where I live a 12-plex works both for the return and for the downpayment) with leverage you can achieve something close to your target.  However be aware its not without risk and more important its not a passive investment expect to spend time on your building.

nereo

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Re: Where to invest $200,000 to generate income
« Reply #11 on: March 31, 2014, 04:37:43 PM »
Quote
If I had $200,000 cash to invest today, and I wanted it to generate a monthly income of $3,500 for the next 40 years starting today, where would I invest it?

Loan sharking.  You should have enough capital to start lending desperate people 5k-50k chunks of money at 20% interest per month.  Make sure you put enough aside to pay two large ugly bald guys to check up on your "investments" every few days.

DoctorOctagon

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Re: Where to invest $200,000 to generate income
« Reply #12 on: March 31, 2014, 04:56:11 PM »
If you bought undervalued mega-cap stocks like IBM, WFC, INTC, XOM, you might get up to 15% if you reinvest the dividends, but you'll have to accept a risk of 10 year periods of time that generate no real returns due to market volatility.

If you need the money now and every month, forget it.  Keep investing until you have about half a million, then go for a mix of stocks and bonds...

brewer12345

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Re: Where to invest $200,000 to generate income
« Reply #13 on: March 31, 2014, 05:09:42 PM »
Marijuana grow, perhaps.

Mr Mark

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Re: Where to invest $200,000 to generate income
« Reply #14 on: March 31, 2014, 05:18:38 PM »
To meet your numbers legally and with normal investments you will need leverage. Lots of leverage.

so meeting that goal all depends on your access to someone elses money.

If you can borrow money at super duper low rates from a lender willing to accept a scary equity/ value ratio, the sky's the limit.

IE
200k equity
Borrow at a 3/97 equity loan ratio ( thats what Leman Bros were running just before they crashed)
so you borrow about 6.4 million from this easy lender
so you can have a cash pile of ... funnily enough, I just see the answer is $6,666,666

Invest that at a stack of blue chips paying 4% dividends, less the 3% interest on the note, 1% of 6.6 mill per month is

about $4.7k a month after 15% tax

Pay 3% interest only - defer repayment til end of term

Mr Mark

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Re: Where to invest $200,000 to generate income
« Reply #15 on: March 31, 2014, 05:44:23 PM »
Another one.

borrow at 20% down for a fleet of high end food trucks.  http://prestigefoodtrucks.com/food-truck-builder-manufacturer/   Say,

75k per truck. 1 million bucks. Save 100k for expenses and buffer.

12 trucks. Lease them out for 3500/month NNN each to entrepreneurs.  Have a manager.

Thats just a tax deductable 115 bucks a day per truck for the mobile-restauranteur, and I would think a good food truck should do a hell of a lot more than that!

AlanStache

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Re: Where to invest $200,000 to generate income
« Reply #16 on: April 01, 2014, 05:29:03 AM »
I really hope OP was not to serous in posting this, like they needed money to pay medical bills for a sick child, but I do love the direction it has taken. 

two themes have come out
Method 1: drugs / loan sharking
Method 2: massive leverage.

I would also suggest rewatching the Sopranos and Sons of Anarchy, they seemed to make good money.

EDIT:  I assume OP does not have mad chemistry stillz so Breaking Bad would be of little help.
« Last Edit: April 01, 2014, 05:34:40 AM by AlanStache »

Roland of Gilead

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Re: Where to invest $200,000 to generate income
« Reply #17 on: April 01, 2014, 06:53:37 AM »
You could do it but you would need to use margin and tools like stock options.

In order to generate 21% from $200,000 you would need to be willing to risk a big loss of principal (like 50+%).

If someone put a gun to my head and made me pick a way, I would probably go with Apple options right now.

With $200K you could buy Jan 2016 $400 call contracts for $145.  You would then sell Jan 2015 $520 call options for $49.  Your maximum return would be $24 for every $96 invested, which is a 25% return.  You would get this return if Apple went to $600, made no gains at all, or even dropped 4% from the current price.  Your break even point would be if Apple was trading about $480 in Jan 2015 (because of the year of time value remaining on the $400 calls).

This is not one I would do right now, I like a bit more of a sure thing, like if Apple dropped to $400 because sales were only increasing 20% yoy or something.  Then I would buy $300 calls and sell $420.

foobar

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Re: Where to invest $200,000 to generate income
« Reply #18 on: April 01, 2014, 06:58:57 AM »
Start a blog pushing frugality.....

If I had $200,000 cash to invest today, and I wanted it to generate a monthly income of $3,500 for the next 40 years starting today, where would I invest it?

arebelspy

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Re: Where to invest $200,000 to generate income
« Reply #19 on: April 01, 2014, 07:10:33 AM »
You could do it but you would need to use margin and tools like stock options.

In order to generate 21% from $200,000 you would need to be willing to risk a big loss of principal (like 50+%).

If someone put a gun to my head and made me pick a way, I would probably go with Apple options right now.

With $200K you could buy Jan 2016 $400 call contracts for $145.  You would then sell Jan 2015 $520 call options for $49.  Your maximum return would be $24 for every $96 invested, which is a 25% return.  You would get this return if Apple went to $600, made no gains at all, or even dropped 4% from the current price.  Your break even point would be if Apple was trading about $480 in Jan 2015 (because of the year of time value remaining on the $400 calls).

This is not one I would do right now, I like a bit more of a sure thing, like if Apple dropped to $400 because sales were only increasing 20% yoy or something.  Then I would buy $300 calls and sell $420.

OP wasn't asking for a one-time 21% return, but a sustainable (for 40 years!) method (which is why many of us scoffed).

Your strategy definitely will not work.  Yours falls under the category of:
Quote
It can work for a short time, but isn't sustainable, your risk of ruin (ROR) is too high.
I am a former teacher who accumulated a bunch of real estate, retired at 29, spent some time traveling the world full time and am now settled with three kids.
If you want to know more about me, this Business Insider profile tells the story pretty well.
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Roland of Gilead

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Re: Where to invest $200,000 to generate income
« Reply #20 on: April 01, 2014, 07:21:18 AM »
OP wasn't asking for a one-time 21% return, but a sustainable (for 40 years!) method (which is why many of us scoffed).

Your strategy definitely will not work.  Yours falls under the category of:
Quote
It can work for a short time, but isn't sustainable, your risk of ruin (ROR) is too high.

Well I did put the caveat that this would be my Hail Mary if you put a gun to my head. :-)

I managed to do it for 10 years with a lot of luck but 40 years would be in the powerball territory

anisotropy

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Re: Where to invest $200,000 to generate income
« Reply #21 on: April 01, 2014, 11:22:25 AM »
lol you guys are mean. Here's what I think:

buy a 70k truck/suv, invest the rest of 140k into index fund , we will assume this generates 8% annual return

with the truck/suv, do wellsite works for 1k a day for years.

way higher than 20% return !!!!


Roland of Gilead

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Re: Where to invest $200,000 to generate income
« Reply #22 on: April 01, 2014, 11:53:10 AM »
lol you guys are mean. Here's what I think:

buy a 70k truck/suv, invest the rest of 140k into index fund , we will assume this generates 8% annual return

with the truck/suv, do wellsite works for 1k a day for years.

way higher than 20% return !!!!

Why do that when you could buy a $1K laptop, invest the rest of $199K into an index fund at 8%?

with the laptop, do software startups for $100K a day for years.

5,000,000% return.

anisotropy

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Re: Where to invest $200,000 to generate income
« Reply #23 on: April 01, 2014, 12:15:47 PM »
lol yes, but the wellsite idea is more realistic..... plenty of jobs out there. just gotta put some work into it.

aaengel

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Re: Where to invest $200,000 to generate income
« Reply #24 on: April 01, 2014, 12:23:49 PM »
Stock symbol PSEC can generate $2,000 a month or so right now, with $200k in it... no guarantees for 40 years though

AlanStache

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Re: Where to invest $200,000 to generate income
« Reply #25 on: April 01, 2014, 12:37:53 PM »
Quote
PSEC

Second most popular search on yahoo finance for the last 1.5 hours, but I do loves me some yield.

Roland of Gilead

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Re: Where to invest $200,000 to generate income
« Reply #26 on: April 01, 2014, 12:55:28 PM »
Stock symbol PSEC can generate $2,000 a month or so right now, with $200k in it... no guarantees for 40 years though

Payout Ratio: 114.00%

that sounds sustainable in the long term...

Mister Fancypants

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Re: Where to invest $200,000 to generate income
« Reply #27 on: April 04, 2014, 11:16:02 AM »
With $200k just invest in some really good printing equipment and start printing $20 bills, the ROI is endless that way.

I think the best counterfeiters these days take existing low denomination currency and wash it (so its really also money laundering not just counterfeiting pun intended) and reprint the new high denomination image on the existing paper.

Then spend it at places that would not even think to check it, like gas stations, mini marts etc... spread the wealth, never a bank etc...

Turing a $1 bill into a $20 is a huge return and if you do this as a business write off the $200k investment in the printing equipment, remember AL Capone got nailed by the IRS for tax evasion not murder.

A far amount of work but you can hire people do it for you, the kicker is then you can pay them with counterfeit money so it really doesn't cost you anything, this is a win win solution all around.

-Mister FancyPants

MarciaB

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Re: Where to invest $200,000 to generate income
« Reply #28 on: April 05, 2014, 09:08:38 AM »
What about an owner stake in payday lending companies? You'd have to check your morals at the door, but you might generate returns like that. Of course, sleeping at night would be hard...
« Last Edit: April 07, 2014, 10:09:37 AM by MarciaB »

meadow lark

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Re: Where to invest $200,000 to generate income
« Reply #29 on: April 07, 2014, 10:01:18 AM »
Llama breeding?  Thanks for the info on how to counterfeit!  I learn so much here.  It's amazing I am not a millionaire already!

Abe

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Re: Where to invest $200,000 to generate income
« Reply #30 on: April 07, 2014, 10:09:56 PM »
How's gun running these days? Still profitable, or does everyone have one now?

totoro

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Re: Where to invest $200,000 to generate income
« Reply #31 on: April 08, 2014, 12:06:02 AM »
If I had $200,000 cash to invest today, and I wanted it to generate a monthly income of $3,500 for the next 40 years starting today, where would I invest it?

Now that is an interesting question.  With real estate I think the best scenario is the one that arebelspy proposed.  Of course, you'll need good credit to borrow as well as the money down.

We did it with a multi-family and managed to generate less than half that return and it was a great deal for here.  Some places in the US offer better prospects.  Over time rental income does pay down a mortgage.  If you add this amount back in I suppose you could say our deal generates somewhat closer to the number you are looking for.   

Two popular furnished vacation rental properties in an area with a long rental season might get you to this number if you were willing to do a lot of the work.  Can you get two such properties with that down payment?  Not where I live, but maybe somewhere else.

Other than that, starting a business can do this but requires a lot of specialized know-how, good planning and hard work and unless you are transitioning from employee to consultant with very low overhead there is usually a gap between initial investment and reliable returns.
   

tdccarpenter

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Re: Where to invest $200,000 to generate income
« Reply #32 on: April 08, 2014, 05:09:12 PM »
Of all the illegal activities mentioned, not a mention of counterfeit goods?  The margins are often better than drugs, guns etc and with a much lower risk.

KingCoin

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Re: Where to invest $200,000 to generate income
« Reply #33 on: April 09, 2014, 06:21:57 PM »
This isn't quite as difficult or perilous as others are making it out to be. You could do the following fairly easily:
1) Open an account at Interactive Brokers with portfolio margin.
2) Buy some low duration HY funds that are yielding 9%. Something like HIX would do. Poke around CEFConnect.com for some others.
3) Keep buying until you have ~500k invested (borrowing 300k from Interactive Brokers at around 1.25%).
4) Presto. You have a portfolio should yield about $3,500 month, no meth lab or crazy option strategy needed.

Of course, if these funds fall 40% (as they did in '08-'09), you'll be wiped out. Your best bet would be to use the income to delever for 2-4 years. At that point, you'll significantly reduce the risk of busting out in another crash. If you need all the income now (with none reinvested) it's probably only a matter of time before you lose it all. Though, realistically, you could easily have a 10-20 year run before that happens.

arebelspy

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Re: Where to invest $200,000 to generate income
« Reply #34 on: April 09, 2014, 06:25:08 PM »
This isn't quite as difficult or perilous as others are making it out to be.

It sure is, because OP specified stable for 40 years.  There's almost no way you won't fail with that scenario over that timespan.  Your ROR is too high.

(You acknowledged that, I just want to point out that this is the reason why it fails the OP's test.  High returns aren't hard.  The risk is just too much for it to work long term.)
I am a former teacher who accumulated a bunch of real estate, retired at 29, spent some time traveling the world full time and am now settled with three kids.
If you want to know more about me, this Business Insider profile tells the story pretty well.
I (rarely) blog at AdventuringAlong.com. Check out the Now page to see what I'm up to currently.

KingCoin

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Re: Where to invest $200,000 to generate income
« Reply #35 on: April 09, 2014, 06:44:39 PM »
This isn't quite as difficult or perilous as others are making it out to be.

It sure is, because OP specified stable for 40 years.  There's almost no way you won't fail with that scenario over that timespan.  Your ROR is too high.

(You acknowledged that, I just want to point out that this is the reason why it fails the OP's test.  High returns aren't hard.  The risk is just too much for it to work long term.)

Yes, totally correct. I thought about the 40yr requirement just after I hit send, though the OP didn't specify a risk tolerance, just inquiring about how it might be done. The OP's best bet would be to run it high risk and let it de-lever. If the portfolio makes it 4-5 years, great, you gambled and won a much earlier retirement.  As everyone else indicated, there's no such things as a low risk 21% yield (especially one that delivers consistent income), but a 21% portfolio isn't as crazy as the roulette table. It's just not long term sustainable unless income is used to de-risk over time (not used entirely from day 1).

Of course it should be noted that such a strategy probably isn't appropriate for someone without a good understanding of financial markets, leverage, and risk, a hurdle the OP likely doesn't meet at this point.
« Last Edit: April 09, 2014, 07:22:45 PM by KingCoin »

MountainMan

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Re: Where to invest $200,000 to generate income
« Reply #36 on: April 09, 2014, 07:57:56 PM »
+1 to this whole amusing thread. haha

fixer-upper

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Re: Where to invest $200,000 to generate income
« Reply #37 on: April 09, 2014, 08:09:40 PM »
I hear there's good money in porn sites. 

Frankies Girl

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Re: Where to invest $200,000 to generate income
« Reply #38 on: April 10, 2014, 04:51:54 AM »
Anybody notice the OP disappeared? I think y'all scared them off with all the suggested illegal activities. :D

nereo

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Re: Where to invest $200,000 to generate income
« Reply #39 on: April 10, 2014, 05:29:45 AM »
Anybody notice the OP disappeared? I think y'all scared them off with all the suggested illegal activities. :D
Yeah, but that was his first (and only) post on this blog.  Did we scare him off or was he just one of those people that run into a forum screaming "FIRE"* only to run back out and lurk outside ot see what we do.

*hmm... 21% returns would certainly help me with FIRE...

AlanStache

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Re: Where to invest $200,000 to generate income
« Reply #40 on: April 10, 2014, 01:31:09 PM »
Just catching up on the thread and wanted to have a look at HIX, logged in to Yahoo apparently the sky is falling.

Looking at HIX my first thought was "wow 10% yield sounds great", then I was like "given the stock has been basically flat (or down) since '98, I would need 10 years of this dividend to get my original money back".  think I will skip it.

KingCoin

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Re: Where to invest $200,000 to generate income
« Reply #41 on: April 10, 2014, 04:47:30 PM »
Just catching up on the thread and wanted to have a look at HIX, logged in to Yahoo apparently the sky is falling.

Looking at HIX my first thought was "wow 10% yield sounds great", then I was like "given the stock has been basically flat (or down) since '98, I would need 10 years of this dividend to get my original money back".  think I will skip it.

HIX is a high yield bond fund, so you'd expect the price to be fairly flat over the long haul. Not sure why doubling your money in 8 years (with re-invested distributions) strikes you as unattractive.

I don't have any special love for HIX. I was just using it as an example of something diversified that you wouldn't have to lever obscenely to get to a 21% return bogey and that delivers a reasonably consistent income stream. Perversely, I think it's actually must less risky than levering a government bond fund to get to the same yield.

I hear there's good money in porn sites. 

You might want to question your source:
http://www.huffingtonpost.com/2013/01/19/porn-industry-in-decline_n_2460799.html

Roland of Gilead

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Re: Where to invest $200,000 to generate income
« Reply #42 on: April 10, 2014, 05:30:48 PM »

Baylor3217

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Re: Where to invest $200,000 to generate income
« Reply #43 on: April 10, 2014, 05:53:49 PM »
If I had $200,000 cash to invest today, and I wanted it to generate a monthly income of $3,500 for the next 40 years starting today, where would I invest it?

STSI.  wait 3 years.  You should be good to go

</yep I just time capsuled this post for my own amusement.  see y'all on this thread in 36 months>

Roland of Gilead

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Re: Where to invest $200,000 to generate income
« Reply #44 on: April 10, 2014, 06:12:13 PM »
If I had $200,000 cash to invest today, and I wanted it to generate a monthly income of $3,500 for the next 40 years starting today, where would I invest it?

STSI.  wait 3 years.  You should be good to go

</yep I just time capsuled this post for my own amusement.  see y'all on this thread in 36 months>

If he puts his $200,000 into Star Scientific he will no longer have money worries that is for sure.  (won't have money either)

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Re: Where to invest $200,000 to generate income
« Reply #45 on: April 10, 2014, 11:01:33 PM »
If I had $200,000 cash to invest today, and I wanted it to generate a monthly income of $3,500 for the next 40 years starting today, where would I invest it?

As ARS pointed out above, to generate this monthly income from only 200k would require a 21% rate of return. 

An interesting thing to note, is in the article: http://www.mrmoneymustache.com/2011/04/26/why-hardcore-saving-is-much-more-powerful-than-masterful-investing/

MMM's states:
But let’s hypothetically say you were a masterful investor. The best investor in modern history, Warren Buffett, has averaged investment returns of about 20% per year for over 40 years. This is about 4 times higher than the laziest investor who just bought guaranteed-return bonds

So basically, there is your answer, probably only the best investor in modern history, could reliably and legally, get those types of returns on your money.  Of course, you try starting a business and make that much but then that is income through your occupation not investment passive income. 

Thus, there are probably only 2-3 investors in whole the world who could do this, and to do it you would have to be a full-time investment professional, one of the very best, probably in the early years, spending 40+ hours a week doing research and studying company reports, doing nothing but living and breathing investments, and investment strategy just to even stand a chance.
 



richschmidt

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Re: Where to invest $200,000 to generate income
« Reply #46 on: April 10, 2014, 11:12:05 PM »
If I had $200,000 cash to invest today, and I wanted it to generate a monthly income of $3,500 for the next 40 years starting today, where would I invest it?

Do you have some kind of annuity to sell me?

That was my first thought on reading the question. It sounds like one of those annuity sales pitches.

brewer12345

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Re: Where to invest $200,000 to generate income
« Reply #47 on: April 10, 2014, 11:17:04 PM »
This isn't quite as difficult or perilous as others are making it out to be. You could do the following fairly easily:
1) Open an account at Interactive Brokers with portfolio margin.
2) Buy some low duration HY funds that are yielding 9%. Something like HIX would do. Poke around CEFConnect.com for some others.
3) Keep buying until you have ~500k invested (borrowing 300k from Interactive Brokers at around 1.25%).
4) Presto. You have a portfolio should yield about $3,500 month, no meth lab or crazy option strategy needed.

Of course, if these funds fall 40% (as they did in '08-'09), you'll be wiped out. Your best bet would be to use the income to delever for 2-4 years. At that point, you'll significantly reduce the risk of busting out in another crash. If you need all the income now (with none reinvested) it's probably only a matter of time before you lose it all. Though, realistically, you could easily have a 10-20 year run before that happens.

This is pretty much a guaranteed way to lose most or all of your money at some point.  The high yield market regularly blows up, sometimes for little fundamental reason.  The declines can often be fast and brutal.  Someone leveraged up the yin-yang would get blown out with monster losses.

I like high yield bonds as an asset class, but they are one of the easiest markets to time provided you are willing to be out of them for years at a time.  This is not a good time to lever up or even hold much.

pom

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Re: Where to invest $200,000 to generate income
« Reply #48 on: April 11, 2014, 06:07:37 AM »

Do you have some kind of annuity to sell me?

That was my first thought on reading the question. It sounds like one of those annuity sales pitches.

True, maybe you can get 3500 from an annuity but you would have to be about 90 years old and your chances of collecting until you are 130 years old would not be good.

DrTesla

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Re: Where to invest $200,000 to generate income
« Reply #49 on: April 11, 2014, 09:09:43 AM »
Buying in $10,000 increments in high quality dividend growth stocks each month is another strategy, especially with money you already paid taxes on. When you know they are undervalued from your fundamental research, then you can buy shares and hold for life. That 3% dividend will grow more then inflation each year as long as earnings are stable (common in dividend growth big companies of 10% growth per year). 3% becomes 3.3%, 3.63%, 3.99%, 4.39% [5 years], 4.83%, 5.31%, 5.85%, 6.43%, 7.07%[10 years], 7.78%..... 123.43% [40 years]...

Each seed is planted when initially invested..

Diversification is important, and every increment of investing is like planting a new seed at 3%, but when you become financially secure in 10 years with the income of 50 companies paying a growing income in CASH each year, you will be smiling to the bank.

And this is regardless of the ups or downs of the market swings. Just based on the quality and stability of the big company.

 

Wow, a phone plan for fifteen bucks!