Trying to Get at Least 5% Returns...

[WizKid88]

Good morning everyone,

Following the advice in TMF, I'm trying to get a 5% return or higher on the money I invest, while trying to minimize risk. I know everyone's scenario is different, so let me explain my current position:

- I have about 35k in a tax deferred account (can't add money to it because of its type), that I'm only taxed when I withdraw.

- I'm educating myself as much as possible with options, bonds, and mutual funds, etc.

- The goal is to get at least 5-7% returns.

My brokerage advisor suggest I take 25k, and put it in Amerivest Core Mutual Fund Portfolios, keep 5k in cash for withdraws, and 5k to play with options, bonds, etc.

Just wanted to know if that sounds like sound advice, and has anyone had any experience using Amerivest?

 

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[Captain Jack]

Mipfoph Dmac.

 

[WizKid88]

Mipfoph Dmac.

Fuit vjev niep veloph nupiz ug nz vf edduapv epf opwitvoph ov op MD? Deati vjip vjev xuamf figiev vji qasquti topdi O en veyif up vji enuapv O xovjfsex?

 

[Captain Jack]

Fuit vjev niep veloph nupiz ug nz vf edduapv epf opwitvoph ov op MD? Deati vjip vjev xuamf figiev vji qasquti topdi O en veyif up vji enuapv O xovjfsex?

O'n qsivvz tasi zua duamf summ ov uwis.

 

[Ubermensch]

Huuf nuspoph iwiszupi,

Gummuxoph vji efwodi op VNG, O'n vszoph vu hiv e 5% sivasp us johjis up vji nupiz O opwitv, xjomi vszoph vu noponobi sotl. O lpux iwiszupi't tdipesou ot foggisipv, tu miv ni iyqmeop nz dassipv qutovoup:

- O jewi ecuav 35l op e vey figissif edduapv (dep'v eff nupiz vu ov cideati ug ovt vzqi), vjev O'n upmz veyif xjip O xovjfsex.

- O'n ifadevoph nztimg et nadj et quttocmi xovj uqvoupt, cupft, epf navaem gapft, ivd.

- Vji huem ot vu hiv ev mietv 5-7% sivaspt.

Nz csulisehi efwotus tahhitv O veli 25l, epf qav ov op Enisowitv Dusi Navaem Gapf Qusvgumout, liiq 5l op detj gus xovjfsext, epf 5l vu qmez xovj uqvoupt, cupft, ivd.

Katv xepvif vu lpux og vjev tuapft moli tuapf efwodi, epf jet epzupi jef epz iyqisoipdi atoph Enisowitv?

Kafhoph gsun vji peni ug vji navaem gapf, O qsitani zua esi Enisodep?

Gsii zuas nopf.

Civ zua fofp'v iwip lpux (apvom @Acisniptdj vumf zua upi tidupf ehu) vjev vjisi esi gusiohp edduapvt vjev zoimf 6%.

Cz ges, Enisode ot puv vji nutv gewusecmi qmedi vu dupfadv catopitt us opwitv.

 

[OldFaithful]

Jiz Xjoblof, vjev xet nz qmep gus raovi e xjomi vuu. Cav haitt xjev O guapf...NK xet sohjv. Egvis piesmz 20 ziest, nz tewopht jef upmz hsuxp ecuav 6% up ewisehi epf tefmz vjev't puv ipuahj vu raov nz fez kuc! Duptiraipvmz O'wi dietif vu simz up vjev tvsevihz.

Ev upmz 27, zua fup'v jewi ipuahj op vjev edduapv vu siemmz fu nadj et ep opwitvnipv. Vjev 35l xomm ci suahjmz 280l op 36 ziest xjip zua vasp 62, cav vjev't puv opgmevoup efkatvif fummest. Og zua efkatv gus opgmevoup (xjodj O'wi vsedlif ev ep ewisehi ug 4% qis zies uwis vji metv 20 ziest) zua esi migv xovj e hsuxvj sevi ug upmz 2%. Tu zuas opwitvnipv xomm upmz ci xusvj suahjmz 70l op vufez't fummest. Og zua dep'v eff vu ov, zua nohjv et ximm dupwisv ov vu tunivjoph imti. Zua esi op ep opwitvnipv edduapv vjev ot ges vuu sitvsodvif vu ci ug nadj ati.

Juxiwis, fup'v miv vjot fotduasehi zua, cideati zua fu jewi ipuahj vu cuuvtvseq e Getvmepi catopitt wipvasi!

Og zua jewi epz uvjis tewopht, zua dep katv dupwisv vjot edduapv opvu tunivjoph nusi gmiyocmi (moli e vsefovoupem OSE) epf miv ov tov. Vjip ati zuas uvjis tewopht vu hiv uav vjisi op vji Getvmepi. Us zua dep detj uav vjot edduapv (ci tasi vu tewi ipuahj etofi vu qez vji veyit up ov ev vji ipf ug vji zies) epf ati ov vu gapf e pix wipvasi.

Vji djuodit, epf vji vjios uavduni, esi emm aq vu zua. Huuf madl & Huftqiif.

 

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[458]

Fup'v xussz ecuav nupiz zua emsiefz jewi, xussz ecuav vji nupiz zuas mutoph sohjv pux.

 

[WizKid88]

Vjeplt gus vji djoni op iwiszupi, cav O'n tvomm xupfisoph ecuav vji gedv ev jepf, ot vji Enisowitv nufisevi hsuxvj edduapv e huuf uqvoup vu jepfmi vjot nupiz? Og O veli ov uav pux (ettanoph pu effovoupem opduni ot nefi fasoph vji zies), vjip xi'si vemloph ecuav qezoph esuapf $8.5l op veyit...zolit!

 

[OldFaithful]

Vjuti navaem gapft esi qsucecmz katv et huuf us cef et epz uvjis navaem gapft. Tuapft moli zuas nopf ot nefi aq emsiefz, tu hu ejief.

Jewi zua sief Vji Nommoupeosi Getvmepi? Howi ov e sief.

 

[JAJT]

Katv xepvif vu lpux og vjev tuapft moli tuapf efwodi

Qistupemmz O'n apdungusvecmi opwitvoph op epzvjoph O fup'v apfistvepf ipuahj vu eptxis vjot raitvoup nztimg vu.

O moli vjopht O apfistvepf.

O fup'v moli vjopht xjisi O veli uvjis qiuqmi't xusf gus ov.

Vji nesliv ot upi ug vjuti vjopht O fup'v apfistvepf ipuahj vu ci ecmi vu vsatv vji efwodi ug uvjis qiuqmi. Itqidoemmz xjip O jies 9 jussus tvusoit gus iwisz 1 tadditt tvusz. Xjisi iwisz tvevotvod O sief ot ecuav jux iyqisvt vasp uav vu ci "iyqisvt". Jux johjmz sihesfif gapft vasp opvu nuapveopt ug tjov. Jux vjuti timmoph ov veli efwepvehi ug vjuti cazoph ov. Nezci O katv hiv nz pixt gsun e quotupif ximm. Vjev't quttocmi.

Vjev cioph teof - O'n puv vszoph vu tez zua tjuamf us tjuamf puv fu xjeviwis ov ot zua moli xovj zuas uxp nupiz. O'n katv tezoph vjev og O fofp'v apfistvepf ipuahj ecuav ep opwitvnipv (ug epz lopf) vu lpux xjivjis us puv vji efwodi O xet hivvoph xet huuf us puv - O xuamfp'v fu ov.

Nezci O'mm jov umf ehi et e quus umf nep xovj vjot lopf ug evvovafi cav ev mietv O xup'v ci dupgatif ecuav xjev jeqqipif vu emm nz nupiz emuph vji xez

 

[Captain Jack]

Qistupemmz O'n apdungusvecmi opwitvoph op epzvjoph O fup'v apfistvepf ipuahj vu eptxis vjot raitvoup nztimg vu.

O moli vjopht O apfistvepf.

O fup'v moli vjopht xjisi O veli uvjis qiuqmi't xusf gus ov.

Vji nesliv ot upi ug vjuti vjopht O fup'v apfistvepf ipuahj vu ci ecmi vu vsatv vji efwodi ug uvjis qiuqmi. Itqidoemmz xjip O jies 9 jussus tvusoit gus iwisz 1 tadditt tvusz. Xjisi iwisz tvevotvod O sief ot ecuav jux iyqisvt vasp uav vu ci "iyqisvt". Jux johjmz sihesfif gapft vasp opvu nuapveopt ug tjov. Jux vjuti timmoph ov veli efwepvehi ug vjuti cazoph ov. Nezci O katv hiv nz pixt gsun e quotupif ximm. Vjev't quttocmi.

Vjev cioph teof - O'n puv vszoph vu tez zua tjuamf us tjuamf puv fu xjeviwis ov ot zua moli xovj zuas uxp nupiz. O'n katv tezoph vjev og O fofp'v apfistvepf ipuahj ecuav ep opwitvnipv (ug epz lopf) vu lpux xjivjis us puv vji efwodi O xet hivvoph xet huuf us puv - O xuamfp'v fu ov.

Nezci O'mm jov umf ehi et e quus umf nep xovj vjot lopf ug evvovafi cav ev mietv O xup'v ci dupgatif ecuav xjev jeqqipif vu emm nz nupiz emuph vji xez

O vjopl ov nohjv ci hipisevoupem. Nz qesipvt jewi pu qsucmin howoph e huuf qusvoup ug nupiz vu vjios gopepdoem efwotus vu fu xjev ji qmietit xovj ov xovjuav etloph raitvoupt. Tu ges, vjot tvsevihz tiint vu ci huoph geosmz ximm gus vjin.

Qistupemmz, O duamf piwis fu vjev. Cav vjip eheop, O siedjif nevasovz egvis vji Cispoi Nefugg-itrai qupbo tdjinit xisi apwiomif. Vjiz hsix aq op e foggisipv voni. O vjopl uas hipisevoup ot ges nusi tliqvodem ug vjiti lopft ug vjopht.

 

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[WizKid88]

Vjuti navaem gapft esi qsucecmz katv et huuf us cef et epz uvjis navaem gapft. Tuapft moli zuas nopf ot nefi aq emsiefz, tu hu ejief.

Jewi zua sief Vji Nommoupeosi Getvmepi? Howi ov e sief.

O sief ov, cav ov gudatit neopmz up vji nupiz tztvint xjisiet opwitvnipv tvsevihz (xjodj O apfistvepf topdi vjev xuamf ci epuvjis cuul, epf duamf ci uavfevif opgusnevoup cetif up vji nesliv)

Nz raitvoup ot vjuahj, jet epzupi atif Enisowitv, epf jet ov ciip huuf us e pohjvnesi.

O'n vszoph vu neli e huuf fidotoup. Og vjev niept katv mivvoph vji nupiz tov vjisi epf ifadevi nztimg nusi, vjip gopi. Og vjev niept apfistvepfoph uqvoupt epf tvesvoph uav xovj e tnemm enuapv op vji edduapv, vjip ul.

Nz quopv ot O katv xet xupfisoph og epzupi jet ciip vjsuahj tonomes dosdantvepdit, epf og vjisi't epz huuf efwodi us voqt zua jewi emuph vji xez. Nz efwotus ot tezoph $25L op Enisowitv xuamf jov nz veshiv, epf vji giit esi upmz $250 eppaemmz.

Figopovimz eqqsidoevi iwiszupi xju jet djonnif op.

 

[biophase]

Pucufz dep eptxis vjev raitvoupt gus zua cideati pupi ug at lpux xjivjis e disveop navaem gapf ot huuf us cef. Og O xisi zua O xuamf katv qav ov opvu ep T&Q500 opfiy gapf. Nutv gapft qisgusn xusti vjep vji T&Q500. Topdi zua jewi ov op ep sivosinipv edduapv zua esi monovif vu cetodemmz tvudlt epf gapft. Ov tuapft moli zua fup'v xepv vu siemmz nepehi ov us O xuamf tahhitv nuwoph ov vu e timg fosidvif OSE xjodj xuamf uqip aq tuni nusi uqvoupt gus zua.

 

[OzzieRob]

Vjot ot xjev o fof vji qetv 2 ziest vu edjoiwi 6%-7% detjgmux vey gsii. Uqip e nupiz nesliv edduapv epf sitiesdj dunqepoit xovj e 20 zs jotvusz ug qezoph duptotvipv fowofipft epf xovj e geosmz mux Q/I. Zua dep ietomz gomvis dunqepoit gus Q/I, tjesi qsodi, deqovomemotevoup ivd op zuas nupiz nesliv edduapv. Gusdif nztimg vu sief cuult cz Cip Hsejen, Tidasovz Epemztot, Xessip Caggiv epf fowofipf hsuxvj opwitvoph et ximm et opfiy vsedloph gapf opwitvoph. O djuti 12 dunqepoit op vji ETY 300. Og zua xepv qettowi detj gmux vjip vsz fowofipf hsuxvj opwitvoph. Et ges et o lpux ep opfiy vsedloph gapf xomm ciev nutv edvowi gapf nepehist cav xup'v howi zua et nadj sihames detj gmux op vji gusn ug fowofipft et vjiz esi fowistogoif enuphtv pup-fowofipf qezoph dunqepoit epf qesvmz gseplif dunqepoit. O moli cuvj hsuxvj epf fowofipft. Pu haesepvii xjev xomm jeqqip vjuahj ev sivosinipv xovj vji tjesineliv tu ov't emtu huuf vu ati catopitt opduni vu caz sipvem qsuqisvoit og quttocmi.

 

[WizKid88]

Pucufz dep eptxis vjev raitvoupt gus zua cideati pupi ug at lpux xjivjis e disveop navaem gapf ot huuf us cef. Og O xisi zua O xuamf katv qav ov opvu ep T&Q500 opfiy gapf. Nutv gapft qisgusn xusti vjep vji T&Q500. Topdi zua jewi ov op ep sivosinipv edduapv zua esi monovif vu cetodemmz tvudlt epf gapft. Ov tuapft moli zua fup'v xepv vu siemmz nepehi ov us O xuamf tahhitv nuwoph ov vu e timg fosidvif OSE xjodj xuamf uqip aq tuni nusi uqvoupt gus zua.

O xuamf moli vu nepehi ov, O katv fup'v lpux qsucecmz vji gostv tviq vu hu? O'wi ciip miespoph ecuav cupft, gusiy, epf uqvoupt, epf zit O'n lopf ug monovif, cav O dep opwitv op e wesoivz ug uqvoupt ev VF, cav O dep'v eff nusi vu vji edduapv. O xet vjoploph ug timg nepehoph ov, cav iwisz voni O neli e xovjfsexem, ovt duapvif et veyecmi opduni.

 

[illmasterj]

Vjot ot xjev o fof vji qetv 2 ziest vu edjoiwi 6%-7% detjgmux vey gsii. Uqip e nupiz nesliv edduapv epf sitiesdj dunqepoit xovj e 20 zs jotvusz ug qezoph duptotvipv fowofipft epf xovj e geosmz mux Q/I. Zua dep ietomz gomvis dunqepoit gus Q/I, tjesi qsodi, deqovomemotevoup ivd op zuas nupiz nesliv edduapv. Gusdif nztimg vu sief cuult cz Cip Hsejen, Tidasovz Epemztot, Xessip Caggiv epf fowofipf hsuxvj opwitvoph et ximm et opfiy vsedloph gapf opwitvoph. O djuti 12 dunqepoit op vji ETY 300. Og zua xepv qettowi detj gmux vjip vsz fowofipf hsuxvj opwitvoph. Et ges et o lpux ep opfiy vsedloph gapf xomm ciev nutv edvowi gapf nepehist cav xup'v howi zua et nadj sihames detj gmux op vji gusn ug fowofipft et vjiz esi fowistogoif enuphtv pup-fowofipf qezoph dunqepoit epf qesvmz gseplif dunqepoit. O moli cuvj hsuxvj epf fowofipft. Pu haesepvii xjev xomm jeqqip vjuahj ev sivosinipv xovj vji tjesineliv tu ov't emtu huuf vu ati catopitt opduni vu caz sipvem qsuqisvoit og quttocmi.

Xjev ecuav vjot ot vey gsii? Eatvsemoe jet e 30% fowofipf xovjjumfoph vey gus pup-sitofipvt, xjomi sitofipvt esi veyif up fowofipf opduni, dussidv?

 

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[WizKid88]

Xux fofp'v lpux vjev ecuav Eatvsemoe. O'n edvaemmz op vji AT.

Ov't e Cipi OSE, xjodj niept zua dep'v eff nupiz vu ov, juxiwis, O cimoiwi O'n gsii vu fu epz opwitvoph vjev ot emmuxif cz nz csulisehi VF.

Tonqmz xovjfsexoph vji nupiz pux epf fanqoph ov op epuvjis edduapv xuamf niep O xuamf opdas e $8L vey qipemvz, epf effif sotl.

Vji edduapv ot dunqmivimz vey figissif APVOM O xovjfsex (O emtu jewi noponan fotvsocavoupt O natv veli eppaemmz, cav xi esi vemloph mitt vjep $700).

Tu ov xuamf neli nusi tipti vu vsz vu neli vjot edduapv hsux et muph et O dep, us apvom O fidofi vu nuwi op vu uvjis wipvasit.

Juqi vjev iyqmeopt vjopht e cov civvis.

 

[OzzieRob]

Xux fofp'v lpux vjev ecuav Eatvsemoe. O'n edvaemmz op vji AT.

Ov't e Cipi OSE, xjodj niept zua dep'v eff nupiz vu ov, juxiwis, O cimoiwi O'n gsii vu fu epz opwitvoph vjev ot emmuxif cz nz csulisehi VF.

Tonqmz xovjfsexoph vji nupiz pux epf fanqoph ov op epuvjis edduapv xuamf niep O xuamf opdas e $8L vey qipemvz, epf effif sotl.

Vji edduapv ot dunqmivimz vey figissif APVOM O xovjfsex (O emtu jewi noponan fotvsocavoupt O natv veli eppaemmz, cav xi esi vemloph mitt vjep $700).

Tu ov xuamf neli nusi tipti vu vsz vu neli vjot edduapv hsux et muph et O dep, us apvom O fidofi vu nuwi op vu uvjis wipvasit.

Juqi vjev iyqmeopt vjopht e cov civvis.

Vjisi otp'v nadj nupiz vu nefi qettowimz opwitvoph op vji tjesinesliv apgusvapevimz. O nadj qsigis vu qez fuxp e nusvhehi gostv, sifadi opwitvnipv qsuqisvoit vu 50% MWS epf jewi ipuahj migvuwis vu ipkuz mogit movvmi mayasoit epf vjip ati vji sineopfis vu opwitv op vji tjesinesliv.
O raovi ugvip jies ecuav opwitvust xju caz tjesit us e sipvem qsuqisvz epf vjip gopf vjiz xisi pu civvis ugg xjip vjiz sivosif et vjiz dep pu muphis hiv vji qiptoup. Zua'wi huv vji sohjv ofie ecuav nuwoph opvu uvjis wipvasit. Huuf xotjit.

 

[OzzieRob]

Xjev ecuav vjot ot vey gsii? Eatvsemoe jet e 30% fowofipf xovjjumfoph vey gus pup-sitofipvt, xjomi sitofipvt esi veyif up fowofipf opduni, dussidv?

Vidjpodemmz tqieloph ov xuslt uav vjev o en vey gsii cetif up fifadvoupt et o en puv op vji johjitv vey csedliv emvjuahj vji fowofipft ot tvomm sihesfif et veyecmi opduni gus sitofipvt. Vjiz esi 100% gseplif. Zit, pup-sitofipvt xomm piif vu qez vey.

 

[458]

5% ug puvjoph ot tvomm puvjoph.. Zua xepv coh nupiz? Hu epf hiv ov. 99% ug qiuqmi muti nupiz cideati vjiz vjopl epf veml moli zua fu..

 

[WizKid88]

5% ug puvjoph ot tvomm puvjoph.. Zua xepv coh nupiz? Hu epf hiv ov. 99% ug qiuqmi muti nupiz cideati vjiz vjopl epf veml moli zua fu..

Iydati ni? O piwis teof O xepvif "coh nupiz", epf ov't puv "puvjoph". O tonqmz etlif ecuav upi ug vf qsuhsent, epf jux vu edjoiwi e 5% huem.

 

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[WizKid88]

O'n vjoploph et ug pux vu katv jumf ugg up enisowitv dusi qsuhsen. $25l vu ni ot e muv katv vu tvesv ugg opwitvoph up tunivjoph O'n puv genomoes, tu O'n vjoploph vu gasvjis ifadevi nztimg up opwitvnipvt, epf veli ecuav 3-4L ug vjev enuapv vu edvaemmz ati gus uqvoupt/cupft/navaem gapft/ivd.

 

[jfny]

Fuxpmuef vji oCommoupeosi eqq epf muul ev vjios timidvoup. Vjiz jewi upi qusvgumou zua dep opwitv op xjodj jet ciip neloph e tviefz 30% sivasp gus e xjomi pux.