Author Topic: where would you put 5 grand  (Read 3459 times)

ACyclist

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where would you put 5 grand
« on: November 10, 2017, 11:01:44 AM »
I have 5 grand sitting in my Roth, in cash.  I sold an REIT, because I was seeing pressure in that market segment.  It pulled back, so I am happy with my choice to sell.  I have been reading stuff on this site and want to avoid stock cherry picking, due to concentration and warnings on this site to not do that.

I was considering purchasing VTSMX, but the market is so high.  I am a nervous Nellie.  AHHH!

Help me, new friends.  What would you do?

I can't even touch my Roth for another ten years. 

MDM

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Re: where would you put 5 grand
« Reply #1 on: November 10, 2017, 12:11:32 PM »
See http://awealthofcommonsense.com/2014/02/worlds-worst-market-timer/.

Then pick one of the Vanguard LifeStrategy Funds or similar and check back in ~10 years.

alexpkeaton

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Re: where would you put 5 grand
« Reply #2 on: November 10, 2017, 12:15:17 PM »
Put it all on black.

ACyclist

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Re: where would you put 5 grand
« Reply #3 on: November 10, 2017, 01:36:21 PM »
Put it all on black.

HAHA.  Ballsy.  :)

See http://awealthofcommonsense.com/2014/02/worlds-worst-market-timer/.

Then pick one of the Vanguard LifeStrategy Funds or similar and check back in ~10 years.

Thank you.  I am checking those out.  They look more on the conservative side.  That I do like.

boarder42

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Re: where would you put 5 grand
« Reply #4 on: November 10, 2017, 01:41:21 PM »
vtsmx and call it a day. -

farfromfire

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Re: where would you put 5 grand
« Reply #5 on: November 10, 2017, 02:07:59 PM »
I'd flip a coin - if heads, low-fee S&P 500 index fund. If tails, low-fee total stock market index fund.

Travis

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Re: where would you put 5 grand
« Reply #6 on: November 10, 2017, 02:21:23 PM »


I was considering purchasing VTSMX, but the market is so high

Over the long term there will always be a higher market.  The best time to jump into the market is yesterday. The second best time is today.

FI4good

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Re: where would you put 5 grand
« Reply #7 on: November 10, 2017, 02:51:38 PM »
depending how big the stash is maybe VWO if i were thinking the US looked a bit pricey. 

I pulled some out of the USA a couple of weeks ago and set it to work in emerging markets .

I'm drip feeding into europe ex UK.
 In the next year or two I want to get back into the FTSE 250 in the UK but the fall out from brexit hasn't shook things up enough yet so I want to hear more squealing, negativity and the GBP dropping before i go back into that, for the moment EM's & EU look more attractive for growth & currency appreciation relative to me in the UK for the next few years so thats where i'm adding . 

I do have about 70% of the stash in a traditional medium risk passive portfolio, the changes above are the first i've done in about 2 years with funds i "actively" manage .   

Cwadda

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Re: where would you put 5 grand
« Reply #8 on: November 10, 2017, 03:37:22 PM »
If I had a buck for every thread asking "I know I shouldn't market time, but should I market time?"  I'd be FIREd by now.

The correct answer is a low-fee index fund, such as VTSMX.

Aggie1999

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Re: where would you put 5 grand
« Reply #9 on: November 10, 2017, 03:45:44 PM »
Start day trading bitcoin...

Retire-Canada

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Re: where would you put 5 grand
« Reply #10 on: November 12, 2017, 08:20:58 AM »
I was considering purchasing VTSMX, but the market is so high. I am a nervous Nellie.  AHHH!

Help me, new friends.  What would you do?

You need a defined asset allocation plan. Then you should follow it.

ACyclist

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Re: where would you put 5 grand
« Reply #11 on: November 13, 2017, 02:48:42 PM »
vtsmx and call it a day. -

I did exactly that today. 

WootWoot

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Re: where would you put 5 grand
« Reply #12 on: November 14, 2017, 02:04:29 PM »
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