50K to invest......

[RikaKazak]

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well most posters here would advise you to put the money in either index funds or mutual funds. Clearly investing on your own is better left up to the professionals or for those who can dedicate a few hours a day to keep up on the markets.

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good advice

[luckybacon]

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Pick 4-5 strong companies.......way better than a mutual fund. Plus, one has satisfaction in doing their own work and they do not feel like a puppet.

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Define "strong". how does one find these strong companies. Does OP have the knowledge, skill set, and time to research and find these investments. If so, sure that could be decent advice. If not, he probably should just go with the safer investment with and index fund.

[prohornblower]

Can we ban this jerk yet or what? I've seen like 8 of your posts and I hate you. For reference it took like 10 of EricW's, and 12 of BrandiRose.

I hate you.

[gull]

If he might just hold it for two years, stocks may be volatile than what he's looking for. A high-yield savings account, money market account, or CD can give decent returns with no risk.

If he's comfortable taking risk, though, I would echo the recommendation of index funds.

For your own financial safety, ignore Fishead24.

[mdouglass]

I'm in a similar position as the OP but my time frame is different. I want to know how I should invest about 80k with moderate risk for the long haul. I have about 25k that I plan to keep in a 5.25% savings acct but would like to put that other 80 in something like 4 (3? 5?) different mutual funds. I remember from a similar thread JeffW suggested VDMIX, VEIEX, VIVAX and VISVX. 20k in each? Anyone have any other ideas?

[Tien]

My philosophy is, if you don't know what to do with your money, park it into something extremely safe for now, and start investing in your financial education.

I cringe at the idea of not understanding anything about investing and giving it to other people to invest it for me.

[Jeff W]

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I remember from a similar thread JeffW suggested VDMIX, VEIEX, VIVAX and VISVX.

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I never recommended that allocation. It is reasonable(I don't reinvent people's AAs if they look reasonable), but I don't like VDMIX because it's tax inefficient and VEIEX should only be held in ETF form because the mutual fund share class has a purchase fee. I'm pretty sure I explained that in the thread.

[mdouglass]

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I remember from a similar thread JeffW suggested VDMIX, VEIEX, VIVAX and VISVX.

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I never recommended that allocation. It is reasonable(I don't reinvent people's AAs if they look reasonable), but I don't like VDMIX because it's tax inefficient and VEIEX should only be held in ETF form because the mutual fund share class has a purchase fee. I'm pretty sure I explained that in the thread.

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I don't know much about these funds. Why is VDMIX tax inefficient and what is the purchase fee of VEIEX and how would I hold it in ETF form?

If you had to allocate my funds given my stance on risk, how would you?

[hoyasnaxa]

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Can we ban this jerk yet or what? I've seen like 8 of your posts and I hate you. For reference it took like 10 of EricW's, and 12 of BrandiRose.

I hate you.

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There is no need for this. I dont understand what the point in hating him is, just ignore him and move on.

I am also more interested in opinions on the stockmarket currently. I wish I could learn a simple and effective way to invest, cuz I am completely lost.

[spino1i]

Well i'd put it in an index fund unless you have the time to dedicate to understanding the stock market and what makes a good company to invest in.. If your willing to dedicated several hours a day every day doing this (I have no problem doing this, because I love studying investing), then defintely invest in individual stocks.