whr do u invest money???

what is your outlook on indian market at presant? what do you think where it is headed now, is it safe ti be in it at thease leavels

what kind of money do you invest in mylot? are you one of the promotors of the site? if you are its not good to disclose that . you could purposely divert trafic to your discussions by telling that. isnt so?

Wow Rushmee,I'd love to know about a sure investment, that would return 100% annually. I know some people who dream about that, but none who've found it. Respectable returns from the stock market will yield 10% - 25% on average. Doesn't sound like a lot, I know - but compare it to the avg bank savings interest of 1% - 4.25%. Remember though, it's all cumulative! So, the way to maximize your investments is to: Dollar Cost Average your accounts. What this means is that if you put your $2k into an interest bearing money market account, while you figure out your investment strategy, it'll be earning interest. Then you decide that you really like the risk and return levels of a particular VanGuard fund (just an example), and you contact your broker and issue a purchase of $1000 worth of that fund, (leaving the other 1k in the interest bearing account). Then, you commit to putting an additional $50.00 (from your paycheck) per month into that fund, it's called Dollar Cost averaging. Now run the numbers. Your initial investment of 1k in the first month, followed by 50.00 meaning that as you enter your third month, you're investment amount has grown to 1050.00. then in the third month, you add another 50.00, bringing the total to $1100. You've purchase 50.00 more of the fund each month, which means that you're purchasing more shares of the stock(s)held in the fund. If those stocks pay dividends, each additional month that you purchase additional stock, means additional dividend income. See what I mean? When the market goes up, so does your income. Down side is: when the market goes down, so does the value of your shares. There's always risk in the market. However, since it's inception, the market has produced an approx. 11 - 12% annual returns. That takes into account the times of depression, recession, and the until the 1970's the average American did not dabble in the market. It was just for the wealthy. Since 401k's and Individual Retirement Accounts have been established, most Americans have some money invested in the market. So the overwhelming majority of gains in the market occured after the 1970's. The more people get in, the better the investment medium becomes. As for Dollar Cost Averaging: It is the same principle behind interest accrual, either in savings or in debt (like on credit cards). Over 20 to 40 years, that 10 - 15% average return really adds up! You will want to educate yourself on small cap, mid-cap, and large-cap funds. We own small, mid, and large cap funds. But we are older than you. We need to be more conservative about how we invest. Your Avatar (if that's you?) seems to be in early twenties. Is this right?

Rushee, I have to log off for a while. If you wanted to continue this discussion, please let me know. I'll log back in later this evening and check on this question. OK? Until then, have a super afternoon. -LadyLuna

i wud prefer investing in stocks... but if u have a sure and better invetment idea, which can fetch me 100% returns every yr, i wud go wid ur plan. plz throw sm more lite...

i have an initial invetstment of 2000 usd. u wrote: i Rushmee,My spouse and I are invested in 401k, Roth & Traditional IRAs (we alternate), in property, savings, and some individual stocks. I also invest in gold & valuable gemstones, more as a hobby than a true investment. We try to cover all bases. One IRA is cost dollar averaged to capitalize on slow, steady, very conservative growth. The other IRA has higher risk, mid-cap, and international funds. It tends to pay a higher dividend, but could go sour. As for savings, many online savings institutions offer higher rates than their brick/mortar competitors. As for property ... well, real estate valuations are definitely falsely inflated by the rash of refinancings that have taken place since 1997. But, investing is real property is wise if your lifestyle is such that you can tend to and maintain the property. Especially, while interest rates are still hovering around 6% ... that's a great rate!!! How much do you have to initially invest? That'll narrow down the possibilities for your investments. Specifically, if you lean toward the market, many funds require minimum investments. Many waive the minimums if you're investments are made into a Retirement account. In some cases, you can begin investing in a fund with as little as 250.00 U.S.