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Posted: 1/15/2006 2:23:13 PM EDT
Currently I have my assets spread between various stocks, mutualfunds in 70%Simple and Roth IRA's, 20% non taxdeferred investments and 10% actual realestate (non-home). Any suggestion what I should do with a sudden influx of an amount 30% of my current stockand mutual fund holdings. I am investing purely for the longterm but would like to be able to access this in 10 to 15 years if necessary. Thanks for any ideas
Link Posted: 1/15/2006 4:13:02 PM EDT
You didn't give a lot of useful info. But:

1. Age? Years 'til retirement?
2. Current debt load?
3. Current income and financial situation?
4. Married? Children's education?

These are strictly rhetorical questions and I don't expect you to answer in a public forum.

My priorities would be:
1. Pay down debt.
2. Invest in the family's future.
3. Invest for retirement.
4. Invest for near-term gain.
Link Posted: 1/26/2006 3:52:58 PM EDT
+1

I might add that you should identify your level of risk.

Generally, if you are younger, your risk level could be higher than someone who needs the income from their investments to live.
Link Posted: 1/26/2006 3:56:13 PM EDT
an annuity generally has higher interest and at least your principle investment is gauaranteed if the economy flops...
Link Posted: 1/26/2006 3:57:00 PM EDT
M16
Link Posted: 1/26/2006 3:59:28 PM EDT

Originally Posted By SWS:
You didn't give a lot of useful info. But:

1. Age? Years 'til retirement?
2. Current debt load?
3. Current income and financial situation?
4. Married? Children's education?

These are strictly rhetorical questions and I don't expect you to answer in a public forum.

My priorities would be:
1. Pay down debt.
2. Invest in the family's future.
3. Invest for retirement.
4. Invest for near-term gain.



I wholeheartedly agree. Any debt you are carrying, especially credit card debt, is better paid off. In addition, no debt load is a huge boost to your FICO score.
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