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Money System - What Are You Investing That's Getting 5% Return?

Discussion in 'Investing/Trading/Cryptocurrency/Altcoins' started by Bobby-H, Jul 29, 2015.

  1. Bobby-H
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    Bobby-H New Contributor

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    I've been looking at all the Vanguard ETFs and nothing gives around 5%, not the VIG or anything in dividends.

    The only things giving 5% would be a really extremely risky bond for corporations or international bonds.

    What are you investing in that gives 5% returns for your money system?
     
  2. H. Palmer
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    H. Palmer Silver Contributor Read Millionaire Fastlane I've Read UNSCRIPTED Speedway Pass

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    Stock market listed real estate investment companies.

    Closest thing I know to real passive income.

    I'm not talking stock price appreciation, just dividend pay out.

    Study their annual reports first and get a grip on the industry before you jump into it though.
     
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    Do you mean something like KRC?

    Do you have any recommendations on which companies to start studying?
     
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  5. Kung Fu Steve
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    Kung Fu Steve Platinum Contributor Speedway Pass Summit Attendee

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    Why is your goal 5%?

    ...that's not even keeping up with inflation.
     
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    Gotta start somewhere :) - Will go higher once I'm an accredited investor for certain REITS.
     
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  7. Dwight Schrute
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    Dwight Schrute Ludicrous Speed Read Millionaire Fastlane Speedway Pass

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    @Vigilante
    At first the VigLink madness, and now people don't even get their 5% from you.
    Bad week?
     
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    blackhat Bronze Contributor Read Millionaire Fastlane Speedway Pass

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    Private or public REITs?
     
  9. Bobby-H
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    Private
     
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    Found a dividend that pays out at 6.9% - though their stock is a rollarcoaster: CLCT
     
  11. Draven Grey
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    Draven Grey Bronze Contributor Read Millionaire Fastlane Speedway Pass

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    I'm determined to figure out what my father's financial advisor is doing that makes 30% to 50% return consistently. Those numbers are unheard of!
     
  12. TG_Hawk
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    Bobby, I offer 5% preferred return to my investors on my Real Estate projects. Would love to talk more offline if that interests you.
     
  13. TG_Hawk
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    Certainly possible on a case by case basis, but very difficult to sustain.

    For Instance, in Real Estate, returns in the 50 - 100% or even more are very achievable if you're sophisticated enough to know what you're doing. Most returns like that come from Tax Liens and Deeds, Non-Performing Notes, and Redevelopment opportunities on distressed assets.

    I've made 300% flipping mobile homes, and looking at a 25% return on a shopping center.

    Would love to know what he's doing though, hope you can find out!
     
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    Kung Fu Steve Platinum Contributor Speedway Pass Summit Attendee

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    Most banks in Belize pay 7% just on deposits by the way...
     
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    Phones Break your boundaries Read Millionaire Fastlane FASTLANE INSIDER Speedway Pass Summit Attendee

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    P2P lending, 10 to 12%, currently looking into car loans and RE loans on European platforms. Both collaterized.

    Needless to say, put your eggs in many baskets.
     
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    [​IMG]
     
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    For better than 5% ( on average ) you need to look outside the US.

    Sure it can be done within the US, but many emerging markets outside the US are giving better rates in many areas.

    For one, bank deposits alone in other countries. RE in other countries, bonds, etc.
     
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    Phones Break your boundaries Read Millionaire Fastlane FASTLANE INSIDER Speedway Pass Summit Attendee

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    MTF Never give up Read Millionaire Fastlane I've Read UNSCRIPTED FASTLANE INSIDER Speedway Pass LEGENDARY CONTRIBUTOR

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    This is awesome, thanks for sharing @Phones! Any pointers/resources how to not get burned? Please PM me if you'd rather not talk about it publicly.
     
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    Woot, thanks for sharing guys.
     
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    +1

    Edit: it seems a lot of p2p lending platforms are popping up in the Baltics...
     
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  23. Phones
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    I don't have much experience but I have been following FB groups were there are some heavy investors. Have been following Bondora (the biggest and most known P2P lending platform here in EU), they have lots of problems with defaults. I'm a little bit biased because the FB groups are usually full of people that were trying too many stuff (like going into high risk loans with 70% interest), but Bondora didn't look so good for them, many were even in the negative grounds. Their default recovery system was also ineffective, so I stayd away.

    Now I've been following the Mintos FB group, and there isn't much activity, which is great (there are a lot of people there, but there's not much to talk, meaning things are working properly). I've seen a post about a user having their first default with secured car loans and 1 or 2 days later the company (MOBO) buyed back is position (including interest!).
    So like I said before, not only these are collaterized loans, there's also another layer of security. The only risk lies in either Mintos or MOBO going bankrupt.
    The rates are 10 to 12% for car loans, for the rest of the loans it doesn't differ much, so I will probably be doing only this ones. You can see info like LTV (Loan to Value), the age of the borrower, country, car model and year, etc.

    I looked into why would MOBO do this, and why would people borrow at 10% instead of going to the banks, to summarize, MOBO can grow quickly and has an alternate funding source (us), getting credit at banks at this small amounts (usually <15k €) has too many costs so it's a good alternative. The rates are also decent, I live in Portugal, where car loan rates, even from regular credit companies are going for 9 to 13%, so there rates are competitive.

    Estateguru I haven't looked that much into, it's also collateralized with RE. Having the car loan alternative in Mintos, the only reason to go to Estateguru is diversification. Rates are similar to Mintos.

    These rates don't take into account income tax, so have that in mind also. In my case, it's 28% (outch)

    Needless to say, this isn't professional advice, nor I am liable to anything you may or may not do.

    Cheers
     
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    That's the main thing... they are barely a year old and have loaned €4.5M.

    In the US, companies like Lending Club and Prosper have loaned $5 and $4 billion respectively.

    P2P lending deposits do not fall under EU financial deposit protection schemes (yet).

    It's not the borrowers I'm afraid of (diversification), it's the platform. Someone defaulting on a small loan vs. your account going up in smoke overnight...

    It almost seems one could launch a Portuguese flavoured platform before Christmas with all the "startups" out there.

    Also, how trustworthy are FB groups?
     
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    http://finance.yahoo.com/news/nuveen-closed-end-funds-declare-212700594.html

    Do due diligence on tax free municipal bonds and choose a few and diversify geographically.

    On average, you will get you about 6% tax free (equivalent to 9% taxable yields).

    Payout comes in the form of monthly distributions.

    $1 million = $5k per month tax free passively.

    Live simply and you're out of the rat face and freedom is yours.

    Spend 1 hour a week maintaining portfolio.
     

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