What kind of investments are best for someone who is 20 and just starting out?

Percentages I should invest in IRA, funds, stocks & what types are best.

I would first invest in my business's retirement plan especially if it is a 401k plan to the maximum possible. Than I would start either a IRA or a Roth IRA and put the maximum possible into that. I think that the maximum for the 401k is $15,500 a year and a IRA limit is around $4000. At 20, I would not worry that much about the normal fluctuations in the stock market and invest 80-100% in stocks. My suggestions are:

20% max in bonds if you are afraid of down swings in stocks
20% max in large stock growth, index, or income ( S&P 500 type)
20-40% in mid cap stocks (smaller companies that are established and semi stable, higher average returns/ losses than large stock)
20-40% in small cap stocks ( highest risk/ reward stocks)
20-50% in international stocks

I prefer using indexes and mutual funds that does the diversification within each catagory. All investing depends on your risk tolerance. I am 35 trying to make up lost time so I am being a lot more aggressive than most. I also know that I can earn a good amount of money over the long term.

As long as you are working you can invest your after tax dollars in several mutual funds (Small Cap, Large Cap Growth, and an International growth fund) inside a Roth IRA. Since you are so young, you can go with a couple of growth funds. Don't bother with bonds or treasuries at this time in your life. You can research stocks and mutual funds on the Web. Look for stocks that are making a profit. And for mutual funds choose the ones that have had a decent return over the last 5 to 10 years, not just one year.

Alohas Jessica

For someone your age I would recommend Silver Bullion in Small Rounds and bars of 10 ounces or less, of .999 purity or better if you can pick it up at the same price. Later you can maintain Your inventory with 1 One Hundred Ounce bar for every 700 to 800 Ounces of the smaller stock.

I would also recommend you go into it to hold long term of at least 70% of all the silver you buy until at least the age of 55. just buy a couple hundred dollars a month if you can afford it and that will add up,, and as you see the value increase you might buy even more.

Also another wise investment in Silver is an additional Couple of Thousand dollars in Dimes and Quarters in pre-1964 US Silver. Today they sell for 5 and 6 or more times there face Value. These are recognized legal tender World wide as Silver Coins, So the value will always be there undisputed in all inflationary times.

Inflation and Hyper-Inflation will be your greatest fears in your lifetime and sadly you鈥檒l see both as well as possibly the collapse of the entire US Economy including our Federal Reserve With it鈥檚 Fiat Monetary system. The worlds Worst and Greatest Depression is on the Horizon right now.


Silver is a Metal commodity That this world uses up continually For Electrical and chemical uses in a very wide variety of ways and at present we just Don鈥檛 Have Enough of It.

Recently we started a major bull market for all metals and this will probably last at least through your lifetime especially as world population continues to rise and demands along with it..


<>http://www.bulliondirect.com/nucleo/show... Honest and reliable to do business with, but never leave more than 250 ounces in your account always draw out your overage. That鈥檚 your emergency cash if you ever need it.

<>http://www.kitco.com/charts/livesilver.h... World recognized price Quotes. And in many currencies as well as having a wealth of information for you through the various links connected..

<>http://news.silverseek.com/TedButler> I would follow this man and Jason Hommel to h*ll and back and both have made me a lot of money on their suggestions in the past 10 years. He makes for a lot of reading in the beginning but as you learn to understand you鈥檒l see the Essence of all the Background.

<>http://www.silverstockreport.com/> Jason Hommel Exposes the Fraud of the US monetary system in the simplest of terms that are most easily understandable for all.. Butler Tells you that it will collapse Hommel tells you How and Why

<>http://www.silver-investor.com/>

<>http://www.financialsense.com/resources/... Well worth studying in the future


This give you a little reading and studying to do if you would like more help and information please get back with me..
Have fun and enjoy..
Aloha Oi

Gran Pa Doug @ Thoughtfuls

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• 1 year ago

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