What's a good place to put 10K for 10 months?

[AbeSmith]

Hello. Does anyone have recommendations about a good investment for 10k for about 10 months? I'm interested in mostly low risk. But would also be interested to entertain some medium risk investments.

[TinGull]

I'll be the first to bite....how about my trading account?

[MrPaul]

	Quote:	AbeSmith
	Hello. Does anyone have recommendations about a good investment for 10k for about 10 months? I'm interested in mostly low risk. But would also be interested to entertain some medium risk investments.

www.ingdirect.com

[AbeSmith]

	Quote:	TinGull
	I'll be the first to bite....how about my trading account?

Are you doing that well? Good job! PM me the details of you account activity please.

[AbeSmith]

	Quote:	MrPaul
	www.ingdirect.com

Thanks Paul. But I was looking for something with better return, like 10%. Again, higher risk is also acceptable. Some ideas in my head are:

Crude Oil
China (FXI)

[TinGull]

Hey Abe. I was kidding...I'm not licensed to handle other people's money. If you're looking for a place to make 10% on 10k in 10 months...I assume you mean 10% a month...you'll be paying a nice chunk in management fees I'm sure. Are you talking about 10% growth per month? Or annual? Oh...an please, don't buy crude or china. Those things are parabolic and this is exactly when smart money is selling the stuff off to people who want to get in on the action.

[AbeSmith]

	Quote:	TinGull
	Hey Abe. I was kidding...I'm not licensed to handle other people's money. If you're looking for a place to make 10% on 10k in 10 months...I assume you mean 10% a month...you'll be paying a nice chunk in management fees I'm sure. Are you talking about 10% growth per month? Or annual? Oh...an please, don't buy crude or china. Those things are parabolic and this is exactly when smart money is selling the stuff off to people who want to get in on the action.

Thanks Tin. I know you were kidding. I'm talking about 10% anual. So 1k on the 10k investment minimum. Thanks for the heads up about crude and FXI.

[TinGull]

Oh...looking to make a grand on 10k in a lower risk environment wouldn't be too tough to do over a 10 month period, really. ThinkOrSwim should be able to lend a hand with their autotrading service.

[Nick1984]

Find a financial adviser who can direct you to a number of lower risk managed funds such as domestic or international fixed income products (not the best option imho cause they barely manage to beat the cash rate), property funds, or small company funds.

In this 10% pa return is that in pure capital growth or income or both?

You'll find that most managed funds pay out income distributions quarterly so that will be factored into the return. Mind you just like a stock dividend the unit price of the fund you are buying will fall with an income distrubution therefore it's highly important you include any income as part of your overall return. It shouldn't be too hard to get a 10% return or more even after fees on most retail fund platforms that offer a wide range of investment options.

Talk to a financial adviser and they'll sort you out.

[AbeSmith]

	Quote:	Nick1984
	Find a financial adviser who can direct you to a number of lower risk managed funds such as domestic or international fixed income products (not the best option imho cause they barely manage to beat the cash rate), property funds, or small company funds. In this 10% pa return is that in pure capital growth or income or both? You'll find that most managed funds pay out income distributions quarterly so that will be factored into the return. Mind you just like a stock dividend the unit price of the fund you are buying will fall with an income distrubution therefore it's highly important you include any income as part of your overall return. It shouldn't be too hard to get a 10% return or more even after fees on most retail fund platforms that offer a wide range of investment options. Talk to a financial adviser and they'll sort you out.

Thanks Nick. I don't think I can afford a financial adviser. But thanks for the info. By managed funds do you mean mutual funds? Because I hear they are not very good and don't beat the S&P.

I'm also interested in an index or commodity. Index might be a bit risky given the economic turmoils. I witnessed the China move and now I see the FXI has come down dramatically. Not sure how correlated it is with China. It seems to me the Chinese are seeing the impact of worsening US economy. But if things turn around the Chinese economy will have the better return. So I was intrigued by the FXI and though it might be a good thing to buy and hold on to in the long turn, not necessarily right now but perhaps after a day's rallie and with stops a bit below the point where it rallied from. Though I don't know anything about the Chinese market and why it is doing what it is doing. In other words, is it something else that caused the FXI to drop so much other than drop in US?

And then I also hear about gold and oil which might be a good buy on a dip. These are the markets that intrigue me the most right now. But I'm a beginner so I was wondering what others might think about it. I was also interested to see if it might be better to put the money in a CD or something low risk, but the returns are not much.