Lux Investing

What is the best way to invest money- 100k$, long terms from 5-7 years?

What is the best way to invest money- from 100k$ to 250k$, long terms from 5-7 years And what’s the proximately profit yearly thank you I need to invest with the best investment fund I have my own businesses, I don’t have time to bay & sell shears I looking for best fund to invest my money long term

Public Comments

1. Identify yourself as what type of investor are you. If you fall under aggressive category, you want to invest 80% in stocks and 20$ in bonds/CD/money market funds. Invest in index funds 1/3 starting from Dow30, S&P500 Index, Russell 2000 and International (Morgan Stanley) Index funds. You will cover the entire stock market and won't regret it. If someone tells you to buy Google or Apple, think twice. They are good stocks but also have very high Price to Earning ratio. You should expect somewhere in the range of 5-10% return per year.
2. In my opinion, if you have this much money to invest you should hire a fee-only certified financial planner. A CFP will charge you an hourly fee ($150+ an hour), but that's better than getting advice from a broker who makes commission off of sales. An initial consultation usually involves a long questionnaire, so they can get an idea of your current financial situation, goals, and risk tolerance. Check out these links for additional info. Good luck!
3. ETFs are cheaper than mutual funds. ETFs have very low annual expenses, nearly 20 basis points or 0.2% less. As against this, actively managed mutual funds show average expenses exceeding 135 basis points (1.35%). This does not include the extra 2% - 5% as loads, 12(b)-1 marketing fees, transactions costs, and soft dollar expenses mutual funds, passed on to you but never informed, except in very fine print that nobody cares to read. http://debts-to-wealth.com/category/Why-Invest-in-Exchange-Traded-Funds.html