What Types of Investing Do You Do?

[Bryan]

I invest mostly in fixed deposits. Here in India the interest rate on fixed deposits are pretty good- between 8-10% per year, and the interest is compounded quarterly in an year.

What is the inflation rate like over there? 8-10% is crazy compared to what is available here in the US on similar investments.

[superiorword]

What is the inflation rate like over there?

The Finance Blog: Inflation rates of India (2009)

[CasinoMack]

I agree with the comment about $0 fee FA's that will put you into loaded funds with backended bonuses (think like affiliates) for certain funds. HRBlock comes to mind.

HOWEVER....this is kickback idea is not limited to $0 fee FA's. I've had FA's who managed my own money based on the 1% fee per total asset value and they still attempted to put me into certain funds that they would get bonuses off of. You always have the right to refuse and I always did.

Trick:
Get a Kiplinger or Money or whatever and find the bottom 5 worst performing funds of the year. Pick one and buy that. Don't chase performance in funds...they always get killed.

Also try the target retirement funds.

[Randy Ray]

Read everything you can about Warren Buffett. I spent about a year reading every book I could find about Warren Buffett before I got into the market. Read Benjamin Graham's books too. Then have fun investing in the market.

[Ashlenpeeter]

I think before investing a money you have to verify whether you have selected a right strategy or not. I think stock market is one of the best thing to invest your money. There are other safe investment available like saving account, money market account.

[aditd]

I made all my money via affiliate marketing. Right now I decided to invest in products ( scripts ) sold over the net. I thought if I made money via the net then this the where I should invest.
So I developing scripts to sales and also sites ( something like Groupon ideas - be the first on the market with a simple idea ).

[nillbrian]

I will go for these kind of investment.
1.Savings accounts
2.Money market accounts
3.mutual funds
4.Good old stock market.

[casinobonusguy]

I'd rather invest in my own businesses right now than the market. I guess if you haven't lost a ton of money it may be a good entry point, but if you have lost money it sucks to dump more in.

I love how financial advisers will tell me...."Don't worry, you're young it will come back". I'm like, thanks genius, but I'd have rather not lost the money in the first place.

I respectfully disagree Jeremy ,I have been doing DCA (dollar cost averaging ) on my investments for many years .I lost abut 42% in 2008 like most did but i stuck it our and buy the same amounts every month.In October -February I seen a profit on some of my investments as much as 30% ,mainly the precious metals and I pulled the trigger on them and cashed out.Leaving that out we have about 15% return already in 2011.By buying fixed amounts and buying for long term you always earn a steady profit over long term.You need to balance your portfolio and for any Canadians my friend who is also from Newfoundland has a great blog called http://www.milliondollarjourneyDOTcom/ ,canadiancouchpotatodotcom also another great one .I particularly like his list of dividend stocks ,Canadians can use our high dollar to buy US stocks right now .My sister lost $80,000 of her $246,000 retirement fund in 2008 and today she is at about $300,000 because she stuck it out ,she was in a panic and wanted to sell but she hung on to it and for 6 months never opened a single statement .There are lots of day traders out there but for average investor buying for the long term and doing DCA is probably the safest bet.

[Jeremy]

Old post bumped by a spammer. Nonetheless I still believe in investing in my own business versus letting money sit in a savings account. The U.S. stock market is on a cliff ready to go over in many analysts opinion. The Feds artificial money is about to dry up, the U.S. debt limit is about to be hit, etc. Even if your decimal points go up in your Ameritrade account, if the value of the dollar goes down, well.........who cares.

I'm with you though Judy, I started buying silver back in 2009 when I made this post. I have more than doubled my money. I should have cashed some out a few months ago when it hit it's high. But I use precious metals more so as a hedge and a storage of wealth anyways so I don't worry to much about the monthly fluctuations.

No doubt though anyone playing the stocks over the last few years have probably made a nice profit as well. After losing so much in the stocks during the last downturn though, I just don't have the stomach for it getting back in now given the fragile state of the U.S. economy.

The smartest thing is really to just diversify all over the place IMHO.

[casinobonusguy]

I got burned in 1997 and took me a few years to get in the game again .Our Human equity is worth more than the markets these days just have to keep trying new stuff.Also I am in Canada so probably would jump off a cliff myself if i were in USA LOL!