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I Put Half Of My Net Worth into These Investments For 2020

REIT mutual funds investments are up this year in the majority investment companies: Vanguard, Fidelity,T.Rowe Price and CharlesS just to named a few companies for this year.
Suggestion only I would look at Kiplinger personal finance magazine for the best mutual funds. I would not looked at just one year return.
Also I would never put all of money in one sector. IMHO.
 
yes, don't read one internet article and put half your net worth into real estate !
but a smaller percentage of diversified real estate assets in mutual funds could make sense - consult your financial professional
 
When we reviewed our managed portfolio, the investment firm believes going lightweight in real estate sector. Yep, don't read one internet article and believe it to be gospel.
 
I have one real estate stock in NNN. it is my income stock as treasuries and CD’s are so low. It has increased dividends for the last thirty years,is 99% occupied and in 48 states.it is a buy at the price today. I also own one home that generates about $40000 per year with a small tax write off.The rest of our investments are in large mostly growth ETF funds. Will,switch to value when the market starts dropping next year.
 
cgeidl said:
I have one real estate stock in NNN. it is my income stock as treasuries and CD’s are so low. It has increased dividends for the last thirty years,is 99% occupied and in 48 states.it is a buy at the price today. I also own one home that generates about $40000 per year with a small tax write off.The rest of our investments are in large mostly growth ETF funds. Will,switch to value when the market starts dropping next year.
Click to expand...
Ah... what makes you think that the market will start dropping next year? The economy is still going strong. No one has a crystal ball.
 
cgeidl said:
I have one real estate stock in NNN. it is my income stock as treasuries and CD’s are so low. It has increased dividends for the last thirty years,is 99% occupied and in 48 states.it is a buy at the price today. I also own one home that generates about $40000 per year with a small tax write off.The rest of our investments are in large mostly growth ETF funds. Will,switch to value when the market starts dropping next year.
Click to expand...


So you think the market will drop sometime next year and when that happens you will switch to "value" stocks - - excellent timing.
Mutual fund managers cannot predict the stock market like you. You are a clairvoyant prognosticator !

( .... just a slight favor, please let me know about a month before the long term market downturn begins... thanks ;))
 
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Really not a fan of these types of articles.

Everyone’s situation is different, but
diversification is certainly more prudent than an unbalanced percentage in one asset class no matter what type.

To put 60% into a single asset class, even if diversified within that class, is foolish unless you need a very high return because ones Spend cannot keep up with their Income.

Amazing that so many people I know do not consider their Spend before their Investment strategies.
A young persons game...

We are at about 5% REITs (across a few types) and quite happy. Fortunately, I don’t need to gamble in narrow sectors to match our Spend.




Sent from my iPhone using Tapatalk
 
And in regards to Market changes... Protection before Investment.

Risk should be first consideration in Investment and Asset Allocation.

Is my Spend impacted by the inevitable downward turn in the Market?
I prefer not to be in that situation.

No one has a crystal ball.


Sent from my iPhone using Tapatalk
 
I find it interesting. Years ago individuals spent time researching stocks they might like to invest in. A little while later individuals decided that took too much time and turned over that research to mutual fund managers. Thinking those people directing the funds knew better which stocks were good investments. Now individuals spend time researching mutual funds they might like to invest in.

Personally I prefer a melding of both disciplines into something I have a level of control of. I have been a member of an Investment Club for over 30 years. Consider an Investment Club as a self-managed mutual fund. We started with a group of friends, and friends of friends, pooling $30 a month each. The result is a portfolio with a value over $300K having distributed over $700K through the years. Over all those years I can only remember 1 or 2 where we had a loss. This year's return was 21%.

The bonuses: the friendships made, the knowledge gathered to understand what makes a company good to investment in, and a feel for what it takes to manage a mutual fund.
 
VacationForever said:
When we reviewed our managed portfolio, the investment firm believes going lightweight in real estate sector. Yep, don't read one internet article and believe it to be gospel.
Click to expand...
I agree with your statement. I was only sharing one magazine and only one article for the OP.
You much read and learn to listen to differentiate from good and poor advice.
 
....Really not a fan of these types of articles. ...

I've been a Seeking Alpha member for quite a while. It has always been the case of "reader beware" as it is crowdsourced. Most anyone can write an article and that by itself does not mean that their portfolio won't be a train wreck. I am not familiar with this author and don't intend to be as this is not my kind of investing, and it appears that he showed up on SA to start a paid service. There are many on SA that I do follow, mostly those that invest like I do, Dividends!

I would encourage investors to take a look at SA but do keep in mind that these are mostly DIY investors with no special knowledge or skill, but there are Fi pros there as well. The best part of SA is usually the comments that an article generates. I particularly like the Portfolio section as I can get news and earnings transcripts easily for what I own (note that I did not put my actual share count, price, etc., do not update my holdings on Portfolio as I don't need A Tracker, just an easy way to get info I want).

I personally think that SA has something for everyone but heed the caution that it can be a process to find authors or commenters that "speak to you". This guy is not that for me but is maybe helpful to others. I think it was around 2009-2010 that I found SA and it took a while for me to find useful info but I did: actual people living off their dividends as is my intention. BuyandHold2012 is the poster most like me, but Chowder is the one that has helped a lot of people navigate The Noise. I would also suggest Chuck Carnevale if you happen to be a value investor. He is not always an easy read, but always contributes in the comment section to answer questions. There are many others worth a read from me, but, as always, ymmv...
 
rboesl said:
I find it interesting. Years ago individuals spent time researching stocks they might like to invest in. A little while later individuals decided that took too much time and turned over that research to mutual fund managers. Thinking those people directing the funds knew better which stocks were good investments. Now individuals spend time researching mutual funds they might like to invest in.

Personally I prefer a melding of both disciplines into something I have a level of control of. I have been a member of an Investment Club for over 30 years. Consider an Investment Club as a self-managed mutual fund. We started with a group of friends, and friends of friends, pooling $30 a month each. The result is a portfolio with a value over $300K having distributed over $700K through the years. Over all those years I can only remember 1 or 2 where we had a loss. This year's return was 21%.

The bonuses: the friendships made, the knowledge gathered to understand what makes a company good to investment in, and a feel for what it takes to manage a mutual fund.
Click to expand...
I am so envious of your investing club! I tried repeatedly in the 90s to get one going and eventually gave up. When you can't even lead the horses to water, there is no point in talking about drinking it. Good on you!!!

I agree, you are constructing your own mutual fund by group research and consensus. Educational and rewarding.
 
"You have to know when to hold 'em,
Know when to fold them,
Know when to walk away,
And know when to run."

In the end, you either spend the time and effort to learn all about investing, or at best you get a mediocre return (or worse).
 
As others have said, never take at face value something you have read on the internet. If it interests you, do your own research. Confirm the original sources, their biases, their expertise and their credentials. I just checked out the CV of the author of the article on LinkedIn. First, he is very young. Even if this kid is unusually brilliant, he has a complete bias towards real estate, since that is what his father also did.

He was still in high school in 2012 and only got his bachelor's degree in 2017! He has therefore never experienced a downturn in the real estate market. As a Canadian CFP, I would never recommend his strategy to a client. It might form a part of a properly diversified portfolio, but that would be it. Caveat emptor.
 
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