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For super safe place to keep any money you have saved up and grow it if you’ll need in two years:
1. Marcus By Goldman Sachs (1.8% APY)
2. CD Ladder (~2% APY)
For any investments, put in a set amount each month into a Vanguard Fund so you dollar cost average and protect against timing the market
(i.e. $500 into an index fund every month)
For learning:
Investopedia is a good resource.
NerdWallet too
Open an account with Vanguard. For the sake of simplicity, explore their target date retirement funds. Or if you want more control while keeping it simple, do some research on a lazy portfolio. That's for retirement. And if you haven't, open a Roth IRA.
For $$$ you need in 2 years, not sure I'd invest in the market.
"Don't invest in bloated stocks at this point in time as markets are high."
Nonsense. If you're looked at retirement, invest some amount each month, every month for the next 20 years. You can't time the market, so don't even try.
following
Check out the Spyder ETFs. Something as simple as SPY or SPYG will likely handle retirement if you invest properly
Robinhood (zero fees) buy VOO, SPY, etc.
Unless you’re long term and making the tax play, no better option IMO (in that case Vanguard Roth)
Would love to hear a contrarian?
ZS contrarian says Deloitte (OP) can't use robinhood
Tips
Use Robinhood to save commissions.
Don't invest in bloated ETFs at this point in time as markets are high.
If you cannot do research (financial statements, growth potential research, valuations) and invest in companies where you are too glad to invest when prices go down, you should not invest in equities at this point in time.
I have started selling my stocks to lock in returns slowly and with the money started collecting premiums by selling put options at the price I am comfortable to buy again. However, you will always find beaten down out of favour stocks in a bloated market.
I didn’t know you could use Robinhood for ETFs
be careful with Robinhood. my understanding is that there are independence restrictions
PwC 1 - If you pay 1,000,000 for aproperty that yields you 10000 usd annual rent that's bad investment right. There are 4 things that impact valuations - earnings yield, book value, growth and risk. You cannot time the market but you can avoid buying at exhorbitant prices or buy at right prices or low prices. Not bring able to time the market means - there is no gaurantee that it will not rise further if bloated and not sink lower if undervalued.
So do you wanna go for Amazon that yields 0.5% but decent growth for next many years or CBL that yields 20% and pays 18% dividend - a good but undervalued REIT badly hit by Amazon and ecommerce - it's your choice of portfolio strategyband risk profile. You will always get good bets in any bloated market - some in an industry or country out of favour. Or bad news.