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  #1 (permalink)  
Old 05-13-2010, 04:48 PM
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Default Investment options in the US

I am not sure if there is a thread created under "interesting topics" for discussing investment options in the US. If yes, we can close this one.

Besides the house, the 401k, the ESPP and the stocks (which I've always shied away from), would the IV community provide inputs on the following:

1. the various investment options in the US.
2. good investment consultants that you know of
3. approx percentage spread of your investments
e.g: 10% in stocks, 10% in 401k , 50% in the house purchase etc.

I know this thread is not relevant to immigration issues but those are being actively discussed in other threads.
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  #2 (permalink)  
Old 05-13-2010, 04:56 PM
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Quote:
Originally Posted by a1b2c3 View Post
I am not sure if there is a thread created under "interesting topics" for discussing investment options in the US. If yes, we can close this one.

Besides the house, the 401k, the ESPP and the stocks (which I've always shied away from), would the IV community provide inputs on the following:

1. the various investment options in the US.
2. good investment consultants that you know of
3. approx percentage spread of your investments
e.g: 10% in stocks, 10% in 401k , 50% in the house purchase etc.

I know this thread is not relevant to immigration issues but those are being actively discussed in other threads.
to add to your list... Gold, second/vacation home .
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  #3 (permalink)  
Old 05-13-2010, 04:57 PM
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Would appreciate it if knowledgeable folks can update the relevant wiki page under
Immigration to US - Immigration Wiki
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  #4 (permalink)  
Old 05-13-2010, 04:59 PM
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Originally Posted by sanju_dba View Post
to add to your list... Gold, second/vacation home .
More details about gold appreciated. Gold bonds?
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  #5 (permalink)  
Old 05-13-2010, 11:31 PM
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Quote:
Originally Posted by a1b2c3 View Post
More details about gold appreciated. Gold bonds?
GLD index is almost as good as buying actual gold.
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  #6 (permalink)  
Old 05-14-2010, 10:18 AM
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If you have the money, buy foreclosure homes in good neighborhoods.
Wait a few years - sell - make money
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  #7 (permalink)  
Old 05-14-2010, 10:27 AM
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reporting profit taking on Gold / GoldPool accounts( kitco/monex) is soley upto the investor Vs Gold bonds/stocks is not.
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  #8 (permalink)  
Old 05-14-2010, 11:43 AM
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Quote:
Originally Posted by a1b2c3 View Post
I am not sure if there is a thread created under "interesting topics" for discussing investment options in the US. If yes, we can close this one.

Besides the house, the 401k, the ESPP and the stocks (which I've always shied away from), would the IV community provide inputs on the following:

1. the various investment options in the US.
2. good investment consultants that you know of
3. approx percentage spread of your investments
e.g: 10% in stocks, 10% in 401k , 50% in the house purchase etc.

I know this thread is not relevant to immigration issues but those are being actively discussed in other threads.

If you have green card , think about investing in US, otherwise invest in India
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  #9 (permalink)  
Old 05-14-2010, 01:00 PM
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THe "investment" we did in GC is the main problem !!, we are all stuck with the never ending GC processing

Since most of us applied for GC but do not have a GC, not sure whether to buy in India or here. The real estate prices in India are still at its peak hence do u think its worthwhile to buy there now since it may fall drastically if the US economy goes into a depression due to the euro factor.

Quote:
Originally Posted by uma001 View Post
If you have green card , think about investing in US, otherwise invest in India
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  #10 (permalink)  
Old 05-14-2010, 01:16 PM
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Quote:
Originally Posted by cbpds View Post
THe "investment" we did in GC is the main problem !!, we are all stuck with the never ending GC processing

Since most of us applied for GC but do not have a GC, not sure whether to buy in India or here. The real estate prices in India are still at its peak hence do u think its worthwhile to buy there now since it may fall drastically if the US economy goes into a depression due to the euro factor.
I did not say invest in real estate in India.
My advice to Invest in stocks in India or in fixed deposits (you get 8-9% min for 3-5 years). That will be useful for your kids education.
You can also split your investement
1 - in stocks
2 - in fixed deposits
2 - in small land (or in 2 bed flat with area 1100 sq ft) . You can get 2 bed room flat below 30lakhs at a place 5 km from Gachibowli, Hyderabad
I am stressing again. These investments are not to make immediate profits.
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  #11 (permalink)  
Old 05-14-2010, 01:22 PM
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Quote:
Originally Posted by a1b2c3 View Post
I am not sure if there is a thread created under "interesting topics" for discussing investment options in the US. If yes, we can close this one.

Besides the house, the 401k, the ESPP and the stocks (which I've always shied away from), would the IV community provide inputs on the following:

1. the various investment options in the US.
2. good investment consultants that you know of
3. approx percentage spread of your investments
e.g: 10% in stocks, 10% in 401k , 50% in the house purchase etc.

I know this thread is not relevant to immigration issues but those are being actively discussed in other threads.

I am working in investment industry for the last 7+ years.
Your question is very simple but the answer is not.

While anyone can answer your question based on their own experiences you may or may not get an answer that suits your situation.

Humans tend to remember what happened recently more than what actually can happen in the long term.
This is called heuristic biases.

Anyway, to answer your question, the investment opportunities depend on,

1. Amount of money you want to invest.
2. How much risk you would like to take.
(How much money you can loose and still survive.)
3. Your return goal. (i know everyone wants to have infinite gain..)
4. Your liquidity needs
5. Your time horizon
6. Your tax situation
7. Other unique circumstances

Do not invest money based on your feelings. In the investment industry your feelings are your enemy.
Lot of information that the individual investor gets is already stale and dangerous.

One advice I can give you is, in U.S, earning is easy saving is not. Do your own research and use external research/opinions to confirm your findings.

Good luck!
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  #12 (permalink)  
Old 05-14-2010, 03:12 PM
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Quote:
Originally Posted by uma001 View Post
If you have green card , think about investing in US, otherwise invest in India
Huh...Why should that be? IMO GC should not be the criterion whether to invest in US or not...
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  #13 (permalink)  
Old 05-14-2010, 03:20 PM
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Default

Quote:
Originally Posted by a1b2c3 View Post
I am not sure if there is a thread created under "interesting topics" for discussing investment options in the US. If yes, we can close this one.

Besides the house, the 401k, the ESPP and the stocks (which I've always shied away from), would the IV community provide inputs on the following:

1. the various investment options in the US.
2. good investment consultants that you know of
3. approx percentage spread of your investments
e.g: 10% in stocks, 10% in 401k , 50% in the house purchase etc.

I know this thread is not relevant to immigration issues but those are being actively discussed in other threads.
If you want to know different investment vehicles, you can subscribe to any financial journal or magazine. But if you want to know more than what's just exists out there, and know about personal investment stuff without any bias, IMO get a subscription to AAII (American Institute of Independent Investors). A lifetime subscription (25 years) costs less than 300 bucks, and it is very well worth...

BTW, others in the forum mentioned about investing in gold, but make sure you don't invest in physical gold or art through your retirement account...Will end up paying penalties and stuff...
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  #14 (permalink)  
Old 05-14-2010, 03:22 PM
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How can you invest without a Greencard?

What is the use of investing when interest rates are sooooooooooo low?
You can get better rate in India or if you open an NRI account.
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  #15 (permalink)  
Old 05-14-2010, 04:08 PM
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Quote:
Originally Posted by eastindia View Post
How can you invest without a Greencard?

What is the use of investing when interest rates are sooooooooooo low?
You can get better rate in India or if you open an NRI account.
Why not? Is anyone rejecting your investment dollars because you don't have a GC?

Yes, the interest rates are low in US. But on a different note, the inflation is so high in India that having 8 or 9 percent interest gain is barely of any use since the inflation eats up the high yield rate...The probable exception might be the real estate in India, which will give you good return (demand vs. supply you know...). Again, it's individual choice, but one needs to look more closely where one wants to put money...
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