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Thread: $400K to Invest

  1. #1
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    $400K to Invest

    Background:
    -Sold off properties when the market was high. Plan was to a wait a year or so and buy up properties when the recession hits using the “BRRR Strategy”.
    -Household income of 135k. I am currently in grad school full-time and I finish this summer. I imagine our annual income increasing to $200K+ (assuming I get a decent job after graduation).
    -The only debt I have is my current mortgage. Currently owe $650K.
    -I am already paying into a retirement plan.

    Investment Requirements:
    -No crypto.
    -Not interested in day trading. I don’t have the passion for it anymore.
    -Investment must make passive income immediately

    Issue:
    -I really want to diversify and explore other alternative. However, is there anything better than real estate that meet these requirements?
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    Buy some two family or multiple unit homes that need some minor updates fix them up and contact a quality real estate agent. Live wealthy for the rest of your life.
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    What do you mean by immediate passive income?

    Even dividend stocks only pay out every quarter at max.
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    Buy boeing and oil stocks.

    You will have a million+ by end of year. Then buy real estate/rent.
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    Buy $100k in SPY calls that expire in 2022 sometime in the next few weeks when the djia bottoms in the 15800-17800 range. At that time, buy funds that track the SPY/DJIA or straight up just buy the ETFs.
    You'll triple that $300k and who knows how high the $100k in calls will go by 2022 when the DJIA goes past 40,000.
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    Originally Posted by Venom08 View Post
    Buy $100k in SPY calls that expire in 2022 sometime in the next few weeks when the djia bottoms in the 15800-17800 range. At that time, buy funds that track the SPY/DJIA or straight up just buy the ETFs.
    You'll triple that $300k and who knows how high the $100k in calls will go by 2022 when the DJIA goes past 40,000.
    bruh
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    Originally Posted by Venom08 View Post
    Buy $100k in SPY calls that expire in 2022 sometime in the next few weeks when the djia bottoms in the 15800-17800 range. At that time, buy funds that track the SPY/DJIA or straight up just buy the ETFs.
    You'll triple that $300k and who knows how high the $100k in calls will go by 2022 when the DJIA goes past 40,000.



    You said that would happen these past two weeks.
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    Originally Posted by DoragonKingu View Post
    Buy some two family or multiple unit homes that need some minor updates fix them up and contact a quality real estate agent. Live wealthy for the rest of your life.
    I am actually a licensed real estate agent. That was the original route - just wanted to explore other options.

    Originally Posted by Lefticle View Post
    What do you mean by immediate passive income?

    I want to make some sort of earnings through out the year.

    Even dividend stocks only pay out every quarter at max.
    I don't necessarily need to make passive income every month. With real estate, a duplex purchase will generate positive monthly net income and yearly appreciation. With stock, I would get dividends (if the company pays out) and increase of stock value. I guess I have to do a 10, 20, 30 year NPV cost analysis to see which one is the better option.

    Originally Posted by johnnyboi123 View Post
    Buy boeing and oil stocks.

    You will have a million+ by end of year. Then buy real estate/rent.
    I am looking closely at Boeing since it is a safe investment. Not sure when the company will bottom out.

    Originally Posted by Venom08 View Post
    Buy $100k in SPY calls that expire in 2022 sometime in the next few weeks when the djia bottoms in the 15800-17800 range. At that time, buy funds that track the SPY/DJIA or straight up just buy the ETFs.
    You'll triple that $300k and who knows how high the $100k in calls will go by 2022 when the DJIA goes past 40,000.
    I think you may be a little too optimistic with your prediction.
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    Put 100% into Fidelity sp500 index admiral shares assuming you have 6 months of savings and recession proof jobs. Thank me in 20 years.
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    Curious to hear an argument for why real estate would be a better investment than ETFs in this situation

    Is there a reason OP wouldn't just put the $400k in a Vanguard S&P 500 ETF, collect a nice return (who cares about cash flow, its all about NPV)?
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    Originally Posted by SouthDakotaBrah View Post
    Curious to hear an argument for why real estate would be a better investment than ETFs in this situation

    Is there a reason OP wouldn't just put the $400k in a Vanguard S&P 500 ETF, collect a nice return (who cares about cash flow, its all about NPV)?
    I believe average annual yield for index funds is 8% over the course of 30 years. So the question is can real estate investing beat this?

    I have extensive experience in real estate so I have better access/knowledge of resources than most people. I anticipate being able to buy 2-3 properties within the next five years with each property at 50% equity, 50% mortgage. However, there is significantly more effort if I went the real estate route as opposed to stocks. So, if I manage a 9% average yield in real state over the course of 30 years, it will not be worth it for me. I rather lose the 1% and not deal with tenants. If it is above 10%, it might be worth it.

    Unfortunately, real estate is extremely fickle and dependent on multiple variables so it is difficult for me to formulate an average annual percent yield.
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    Neither of the investments are set in stone. Both have their pro's/con's. Since you're already familiar with real estate, in my opinion it would be the better option if you can get properties without over-paying on them.


    When it comes to real estate. Cash flow + your tenants paying your mortgage down + appreciation + tax benefits are hard to beat. If you don't want to deal with tenants just get a good property management company. When it comes to the market, historically its about a 7% return but before CV19 a lot of people were in the 10-30% range.


    Or you can split the difference and put half of your money in the market and half in real estate. The re-access the situation after 5 years and see which investment vehicle you want to pursue for the long term. Or maybe even continue building both.




    I'd probably try to take the last option.
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    LOL... you have $400 k to invest and are asking the knuckle heads on the Misc? LOL...

    but sort of seriously, you have a $650k Mortgage debt and make less than 150k in household income? my stars... dial it back unless you are living ultra frugally.

    Wife and I make 120k combined and we lived in a 228k home. Just recently downsized and rented out the other home.
    Just trying hard to not be a fat sack-o-chit
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    Originally Posted by Baylorballs View Post
    LOL... you have $400 k to invest and are asking the knuckle heads on the Misc? LOL...

    but sort of seriously, you have a $650k Mortgage debt and make less than 150k in household income? my stars... dial it back unless you are living ultra frugally.

    Wife and I make 120k combined and we lived in a 228k home. Just recently downsized and rented out the other home.
    I figure why not… there has to be 1-2 smart people that can offer insightful advice. I am all ears.

    I live in Seattle so cheaper housing is not an option. My house is actually worth a little over $1M, so I have a lot of equity on it. We live a pretty simple life. At $135K, we still save about $1.5-2K a month. Lastly, I graduate this August from a pretty good MBA program. I imagine our household income increasing significantly once I reenter the workforce. So I am not really worried about the mortgage (plus I have other savings).
    Last edited by chefwhat; 04-22-2020 at 07:40 PM.
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    Wait a few weeks and stick it all into SPX mutual funds
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    Originally Posted by Venom08 View Post
    Wait a few weeks and stick it all into SPX mutual funds
    Why SPX as opposed to SPY?
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    Originally Posted by chefwhat View Post
    Why SPX as opposed to SPY?
    I believe tax purposes
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    Originally Posted by chefwhat View Post
    -The only debt I have is my current mortgage. Currently owe $650K.
    I'm old fashioned and hate debt. I would pay this down and refinance.
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    I'm holding cash in a money market fund. I'm not confident about anything right now. If you need the money in a years time, I think that's the best plan. If you want something with more risk/reward then go with SPY.
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    Originally Posted by vsportsguy View Post
    I'm holding cash in a money market fund. I'm not confident about anything right now. If you need the money in a years time, I think that's the best plan. If you want something with more risk/reward then go with SPY.
    Whats your annual return rate in the money market fund?

    I keep my liquid funds in a wealthfront high-interest savings account (0.35% APY currently, paid monthly) while I use that money to buy stocks (DCA + value investing)
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    Originally Posted by SouthDakotaBrah View Post
    Whats your annual return rate in the money market fund?

    I keep my liquid funds in a wealthfront high-interest savings account (0.35% APY currently, paid monthly) while I use that money to buy stocks (DCA + value investing)
    https://investor.vanguard.com/mutual...overview/vmmxx

    I'm in VMMXX. I had some of my money in wealthfront when their rates were around 2% but I got out completely when the rates tanked. You can find some high interest savings accounts that are doing up to 1.6%. Ally's had a high rate for a long time and they are currently at 1.5%.
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    Spoon Pic Connoisseur adamsz's Avatar
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    Originally Posted by SouthDakotaBrah View Post
    Whats your annual return rate in the money market fund?

    I keep my liquid funds in a wealthfront high-interest savings account (0.35% APY currently, paid monthly) while I use that money to buy stocks (DCA + value investing)
    I have the bulk of my money in Live Oak bank HYSA which earns 1.55% right now. They're online only so they have low overhead which lets them have one of the top rates. Have had no issues depositing/withdrawing money from them.
    My 1 year natty transformation thread --------> http://forum.bodybuilding.com/showthread.php?t=157144143

    My workout log --------> http://forum.bodybuilding.com/showthread.php?t=150448553

    Best Gym Lifts / Best Competition lifts (raw)

    Squat: lol fml
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    shoot me a PM if youre interested in investing in something unique
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    Originally Posted by Punchaholic View Post
    shoot me a PM if youre interested in investing in something unique
    General concept?

    Personally I’m with/sticking with VOO as my core position. 10 year horizon
    * Lift & Misc *
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    Registered User radrd's Avatar
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    Originally Posted by chefwhat View Post
    I figure why not… there has to be 1-2 smart people that can offer insightful advice. I am all ears.

    I live in Seattle so cheaper housing is not an option. My house is actually worth a little over $1M, so I have a lot of equity on it. We live a pretty simple life. At $135K, we still save about $1.5-2K a month. Lastly, I graduate this August from a pretty good MBA program. I imagine our household income increasing significantly once I reenter the workforce. So I am not really worried about the mortgage (plus I have other savings).
    Considering the current economy, I'd be conservative until you are employed.
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    Spoon Pic Connoisseur adamsz's Avatar
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    Originally Posted by Punchaholic View Post
    shoot me a PM if youre interested in investing in something unique
    join date: may 2020

    no thx jeff
    My 1 year natty transformation thread --------> http://forum.bodybuilding.com/showthread.php?t=157144143

    My workout log --------> http://forum.bodybuilding.com/showthread.php?t=150448553

    Best Gym Lifts / Best Competition lifts (raw)

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    Deadlift: 650 / 585
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    Registered User snailsrus's Avatar
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    Annuity
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    Proud Dad 5x10's Avatar
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    Originally Posted by radrd View Post
    Considering the current economy, I'd be conservative until you are employed.
    yup
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