How would you invest $10,000 for the highest return in a year?

[CreditCuriosity]

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@iced wrote:

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@Mdowning30 wrote:

My highest return this year was 18% so idk what you guys are talking about but the average in a good total stock market fund or even in the s&p 500 will return more.

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My portfolio as a whole has an return of 26.5% for the past 12 months (with one of my accounts having a 100.83% 12m gain), but I would still never suggest someone do stocks (even a S&P ETF) with a 12-month time-frame because, as has been said, there's risk in equity investment. I could have just as easily been flat over the past year or even down 30% had I made different investments.

The risk mitigation in stock investments comes from having a longer window you can leave the money invested. 12 months is too short to mitigate the risk of short-term fluctuations. Had OP said 10 years or even 5, then I'd be with you in suggesting stocks.

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I need to talk to your financial adviser as I have seen nothing really like this personally.  Good job though on your returns.  I mainly stick in S&P 500's and been a bumpy year for myself or shall i say the last 3 years has been a roller coaster  This year certainly has been better than last year though

[iced]

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@CreditCuriosity wrote:

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@iced wrote:

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@Mdowning30 wrote:

My highest return this year was 18% so idk what you guys are talking about but the average in a good total stock market fund or even in the s&p 500 will return more.

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My portfolio as a whole has an return of 26.5% for the past 12 months (with one of my accounts having a 100.83% 12m gain), but I would still never suggest someone do stocks (even a S&P ETF) with a 12-month time-frame because, as has been said, there's risk in equity investment. I could have just as easily been flat over the past year or even down 30% had I made different investments.

The risk mitigation in stock investments comes from having a longer window you can leave the money invested. 12 months is too short to mitigate the risk of short-term fluctuations. Had OP said 10 years or even 5, then I'd be with you in suggesting stocks.

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I need to talk to your financial adviser as I have seen nothing really like this personally.  Good job though on your returns.  I mainly stick in S&P 500's and been a bumpy year for myself or shall i say the last 3 years has been a roller coaster  This year certainly has been better than last year though

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If you did, you'd hear he's not a huge fan of my stock spread. I'm way too concentrated in a few tech positions, which just also happens to be how I'm making those gains. As the talking heads like to say, you build wealth in concentration and protect it in diversification.

I am now trying to diversify a bit more to start protecting that growth, so I've been selling some of those while they're at all-time highs and moving it to cash or other things, even if it's not doing as well.

[ptatohed]

I recently plunked $150k in to T-Bills.  The going rate is about that of the best CDs, however treasuries are exempt from state income taxes, whereas CDs are subject to both federal and state income taxes.  May make a difference from state to state but, here in CA, it made a lot of sense for me.  Good luck!   

[rcrdoeva]

If you have another 5k, go to some doctor of something website and go through the bank bonuses. Click on the chase bonus. Currently, they're offering $900 bonus for opening a checking and savings account. The caveat is savings has to be a minimum of 15k. The holding period is 90 days. If you're really feeling frisky, have them throw in a freedom Unlimited for a $200 bonus after spending $500. After getting paid, feel free to close your checking and savings account. Then find a new bonus account and repeat. Then rinse and repeat. There's people out there making up to 10k from these bonus. But at that point, it takes plenty of time to follow up. There's spreadsheets and all. But if you don't have the 15k, I'm sure there's others you can use for 10k or less. 

Just a thought. 

[JohnRemboSeer]

Thanks a lot! I've just opened checking and savings account with chase. Waiting for the approval.

[CorpCrMgr1]

Are you saving regularly for retirement? If not you may wish to begin. If you are on the path for savings for retirement then several people offered good advice. Go talk with an advisor at Chase is the advice I'd follow.

[Blender]

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@rcrdoeva wrote:

If you have another 5k, go to some doctor of something website and go through the bank bonuses. Click on the chase bonus. Currently, they're offering $900 bonus for opening a checking and savings account. The caveat is savings has to be a minimum of 15k. The holding period is 90 days. If you're really feeling frisky, have them throw in a freedom Unlimited for a $200 bonus after spending $500. After getting paid, feel free to close your checking and savings account. Then find a new bonus account and repeat. Then rinse and repeat. There's people out there making up to 10k from these bonus. But at that point, it takes plenty of time to follow up. There's spreadsheets and all. But if you don't have the 15k, I'm sure there's others you can use for 10k or less. 

Just a thought. 

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For what its worth, @JohnRemboSeer i think you have 30 days to deposit that 15k, effectively making it just 60 days which makes the return seem even better.

[CorpCrMgr1]

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@rcrdoeva wrote:

If you have another 5k, go to some doctor of something website and go through the bank bonuses. Click on the chase bonus. Currently, they're offering $900 bonus for opening a checking and savings account. The caveat is savings has to be a minimum of 15k. The holding period is 90 days. If you're really feeling frisky, have them throw in a freedom Unlimited for a $200 bonus after spending $500. After getting paid, feel free to close your checking and savings account. Then find a new bonus account and repeat. Then rinse and repeat. There's people out there making up to 10k from these bonus. But at that point, it takes plenty of time to follow up. There's spreadsheets and all. But if you don't have the 15k, I'm sure there's others you can use for 10k or less. 

Just a thought. 

$750 for $5K for 90 days plus DD at a local CU. I'm depositing next week. Must admit I like $900 better.

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[ejbarraza]

I would recommend Indexed Universal Life (IUL) insurance. If the stock market goes up you make 24.35% in a tax-free vehicle. If the stock market does not go up, you don't take equity downside risk. Also, it comes with a contractually guaranteed loan provision to be able to borrow at 5% APR while earning double digit returns. Plus the terminall illness, critical illness, and chronic illness coverage that can be cash advanced from the death benefit at any point. 

[Janneman]

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@rcrdoeva wrote:

If you have another 5k, go to some doctor of something website and go through the bank bonuses. Click on the chase bonus. Currently, they're offering $900 bonus for opening a checking and savings account. The caveat is savings has to be a minimum of 15k. The holding period is 90 days. If you're really feeling frisky, have them throw in a freedom Unlimited for a $200 bonus after spending $500. After getting paid, feel free to close your checking and savings account. Then find a new bonus account and repeat. Then rinse and repeat. There's people out there making up to 10k from these bonus. But at that point, it takes plenty of time to follow up. There's spreadsheets and all. But if you don't have the 15k, I'm sure there's others you can use for 10k or less. 

Just a thought. 

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First, the bonus is $750 at this time with Chase than $900. Secondly, one would need to put $30k for 90 days than $15k as you said. Thirdly, you can not do as much as you want. There is a cooling period of 12 or 24 months...