Smartest investment?

What is the smartest investment(s) to make with the highest return with an investment of $200,000? (either the whole amount of split up)

With 200,000 could get you a nice CD paying 4.5 or higher that will give you a nice return of around $4,500 in 6 months. The whole time protecting your principle.

200k in a cd...is dumb ..really really dumb (unless u are 70+)..
200K should be diversified....

But buy the very highest quality stocks or funds and u are ok.
very little risk... evenwith the .com crash & technology crash I still profited... though less than usual Report It

Btw, also get to know the investor rep if u must work with one.
Mine is currently a good friend of the family due to how he took care of my dad before dad died. Report It

He took my dads $125k from Deanwhitter and moved it to EJ and its now $600k (in 3 years).. Report It

I do plan though to do even more drip investing (outside of the trust & EJ investments). Report It

I have a more important question for you. If you have 200k, why are you asking a bunch of random people on the internet? You can afford REAL advice from an experienced professional. Your options are endless....let someone who has invested 200k a dozen times before help you do it right.

There's real-estate, REITS, hedge funds, t-bills/CD's, managed portfolios, mutual funds and much much more. Which is the right combo for you?

real estate

it depends on how much risk you can tolerate

and how much income you need from it and when

I'd split it up

50K tax free muni bonds at %5
50K in stocks, mostly mid cap ones that sell things I would buy, some safer ones with dividends too

80K invested in land, 10 acre plots, nice ones, I would go check em out and maybe spend a day one each before buying. Maybe even bring a tent. Make a small fire even , see who bothers you. See what the neighborhood is like. Check for flooding. Mean neighbors, etc. Buy 6 of em so. Put the remaining 20K in a fund for taxes or small sheds.

Then just wait

As with most simple investing questions like this, the answer is, it depends. The highest return on any investment would be to take the money to a casino, put it all on the roulette wheel or caps table, and either double it, or lose it all. You can easily double your money 8 times in a row before you go bankrupt.

My silly point is, higher return = higher risk. There is no such thing as "smartest investment," unless you mean investing in your own financial knowledge.

There are only two ways to reduce risk while almost maintaining the same return. 1) Diversify - that means spread your money across different investments, like stocks, bonds, and real estate; 2) Investing in your own financial knowledge, so that you can manage your own investments better than anyone else can.

An investment counselor does not have that great an incentive to get you a big return with low risk. He or she gets paid a percentage of your entire investment each year, whether or not it makes big money. In addition, how do you know your investment counselor is giving good advice if you don't know anything about investments? What if your counselor quits, or dies? What if you move? What if your counselor is dishonest, untrained, working for an unscrupulous company, or just plain stupid?

You can get advice from an investment counselor, but most of them are glorified salesmen. Before you hire one, in fact, ask him, is he rich? If he's not, why would you trust him with your money?

But since everyone wants simple answers, the best investments in terms of simplicity, safety, and likely return for the average person (with average likely annual return):

1) Paying down credit card debt (10-20%) (very simple, best return)
2) Owning your own home (5-10%) (relatively simple, excellent return)
3) U.S. government or high-rated corporate bonds (3-7%) (very simple, decent return)
4) Passive index funds (5-10%) (very simple, good return but volatile)
5) Investment real estate (5-15%) (not so simple, but good returns)
6) Hedge funds (5-25%) (somewhat complex, but excellent returns)
7) Holding individual stocks (5-30%) (time-consuming, but excellent returns)
8) Bank savings account or CD (1-5%) (very simple, but low return)
9) Cash (0%) (simplest, but guaranteed to lose over the long term)

Note: Take these annual returns with a grain of salt. They're mainly for comparison purposes.

Forget the CD. RIght now you can earn more than a CD by opening a money market account or savings acct at Countrywide Bank. Its paying 5.25% and you can get to your money any time. Why tie it up?

The stock I just bought is Energy Conversion Devices, symbol ENER. They make solar panels, and batteries for hybrid cars. Here is a summary, with links, of their business:

http://www.top10traders.com/ViewPost.asp...

This link is from http://www.top10traders.com - this is a free site that lets you create a portfolio of stocks with $100,000 in "play" money. Each day the site ranks the best performing portfolios, so you can see how your picks perform compared to other investors. You can also read posts on investing from the best traders, as well as share your own investing ideas.

Here are this month's best traders:

http://www.top10traders.com/Top10Standin...

Good luck.

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