Money Forum World

905guy · Joined: 08 Nov 2007 Posts: 2115

my husband &amp, I are to get a small settlement &amp, he wants to put about $100 $500 in stocks..is this a good idea? and how exactly does this work?

Jonathan · Joined: 08 Nov 2007 Posts: 2155

For how long do you expect to invest it? If youve only got some months or a year or then its not the best place. Commissions will take a bite, and the markets looking toppy now.

Consider the money market fund of a discount stock broker. If you then have the time and want to invest in stocks, you may be able to do so from their website. When the time comes, think about an ETF exchange traded fund that mimics the DJIA, NASDAQ or S&amp,P 500. Youll earn market returns without paying the management fee.

H2wood · Joined: 08 Nov 2007 Posts: 2081

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Saundra Shelton · Joined: 08 Nov 2007 Posts: 2112

Stocks should be OK but you can also want to think about purchasing gold.

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H2wood · Joined: 08 Nov 2007 Posts: 2081

I am not an expert. I was told 30 30 40%. This is money that you aren't gonna use pretend you never had it.
30% shortly term CDs, 30% in stocks/bonds, 40% in mutual money.
CDs dont tie up your bucks you may be able to access the money inside the terms of the CD.
Stocks go up and down like a yo yo remember: you havent lost anything unless you purchase HIGH and sell low. Let it sit. Bonds are usually stable at the rate you purchase at.
Mutual money out perform stocks in the long run. If someone tells you differently, so be it. They sit at a computer and purchase and sell stocks for people that have thousands of shares in many stocks.
Talk to the person that does your earning tax forms.
Like I said, Im not an expert, but I retired at 48. My house and property and cars are paid off. ¦&lt, &gt,

Delia Mack · Joined: 08 Nov 2007 Posts: 2070

1 Yes.
2 Open a brokerage account at Zecco and I'll assist you free of charge I'm a Portfolio Manager