>relative died>get $180ki need $700 a month is there a way i can make that $180k passively generate $700 a month?
>>60123339take $700 out every month and invest the rest in bonds. suicide in 30 years
>>6012333930 year treasury yield is 4.3% per year. literally just buy a 30 year treasury. they pay out every 6 months and it's exempt from state and local tax.
>>60123358>suicide in 30 yearsy u say dis?also, wtf is a bond? im a fucking wagecuck at walmart
>>60123392yeah but what about inflation? inflation has been crazy these past few years and idk about locking up the money for 30 years would be the best option
>>60123712Put it on QQQ and don't touch it dude.Keep working. You don't want to run out of money when you're 55 with no recent work history.But to answer your question, when you buy treasuries you don't lock up the money, you get coupons every 6 months and you can sell them through a broker to get the rest of the money back.
>>60125476so i should just transfer the money from my bank to the robinhood brokerage account and market buy QQQ and just forget about it for years, right?
>>60125602>the robinhood brokerage account ause a real investment management
>>60125635like what?
>>60125602>>60125640RESIST YOUR BIOLOGICAL LOW IQ WALMART WAGIE DUMB FUCKING NIGGER URGE TO LOSE ALL YOUR FUCKING MONEY. BUY MOTHER FUCKING BONDS LIKE I TOLD YOU TO RIGHT HERE >>60123392 YOU STUPID FUCKING SUBHUMAN NIGGER FUCK. YOU ARE GOING TO LOSE A LOT OF FUCKING MONEY IF YOU BUY ANY STOCKS. PUT IT IN BONDS. YOU ARE A FUCKING MENTAL RETARD WHO WORKS AT WALMART. I MAKE 5X AS MUCH MONEY AS YOU EVERY YEAR. I KNOW WHAT IM TALKING ABOUT. BUY BONDS. YOU FUCKING RETARD.
>>60123339Buy short term treasury bonds, or hold as cash. Invest in the stock market after it crashes.
>>60125680Fucking kek
>>60125680ok, you seem very adamant about it. i will take it into strong consideration, thanks anon, i appreciate it. what do you think of the TIPS which account for inflation?
>>60123339Just put it into a money market fund bro. You don't lose a cent of it that way. The stock market is never a sure thing, you are exposing yourself to massive downside risk. It would be stupid to gamble with the money you need to pay monthly expenses.
>>60125792look at SGOV.
>>60125680Im European can I buy bonds too?
>>60125884omg you people are so dumb
>>60123339>>60123477With 180k you can get $700 month sustainably but with some level of risk. If you don't a want risk of depletion you can only get (0.035*180k)/12=$525 a month.As for where to invest I'd suggest 80% stocks (70% domestic (broad ETFs such as VOO), 30% international) and 20% bonds.
>>60123339probably not with $180k. You probably need a nest egg closer to $300k if you want inflation adjusted $700/mo
>>60125915shut up it sounds important
>>60123339sure, just remember to do opposite of what /biz/ says
>>60123339If you build a small cheap house and rent it out, you can.
>>60126167oh no, that's much too ambitious for a wagecuck like me
>>60126191Just go have a casual chat with a contractor, tell them "I have 180k, can you build a cheap house for a small family?"They will tell you the possible specifications, how many rooms, etc.That'll give you a rough idea, and you'll realize its not a big deal.
>>60126249lol
>>60125602NO. Don't do it on Robinhood. Do it on a real broker like Schwab or Fidelity.Don't buy a lump sum either. Buy 2 shares of QQQ every week.
>>60125884bonds are ETF?
>>60125602Or you can do what this guy is saying if you want lower risk >>60125986
>>60123339You are lucky OP, here's a port allocation to get you more than 700 a month safely for the next year>80% in TBIL>10% in IGLD>10% in MSTYThis is the safest but highest yielding portfolio I'm willing to provide for free. The t-bill ETF will provide safe income and some gold/mstr (btc) exposure for inflation.>>60125476>>60125602DO NOT put it in QQQ
>>60123339Buy high yield divided stocksIf you can't figure that out, kys.
>>60123339If you're not larping, first of all, don't tell anyone you got that money anon. Don't trust anyone, not even an accountant, the moment you say "i have 180k lol" you'll get robbed or killed that same night . Also it may ruin your relationships in general
>>60126557The same week I bought gold, some blokes tried to break into my house.Nobody can be trusted. Except me
>>60123339if you give it over to me I promise to give you $700 every month for the foreseeable future
>>60126617is "blokes" a new slang for niggers? lol. Damn, anon. You really can't trust anyone in this world
>>6012547655-65 is the perfect age to shed your mortal coil. Fuck falling apart or rotting alive into your 70’s to 80’s.
>>60125680bond coupons will shit the bed when ZIRP comes and OP will have his money stock on some boomer investmentjust baghold cash in money market funds and buy the crash then go all in on MSTR at the bottom and get rich as fuck as the next post zirp gigapump sends BTC to $1,000,000
>>60126461stocks will continue to crashhold cash and buy BTC or leveraged BTC (MSTR) at the bottom then get richeverything goes up at the same time so buy the fastest horsesbonds are crap, you dont want your money stuck at any rate
>>60127563>bond coupons will shit the bed when ZIRP comes a 4.3% 30 year bond would go up in market value if new issuance yields dropped, dipshit.
>>60125476but your money is lockedwhen the market crashes op will have the money stuck on treasurieswhat if the bottom is in 3 months, and op is bagholding for another 3 months like this guy suggests >>60123392
>>60127598you will go down as you jump off a bridge when you are stuck in boomer bonds while you are not able to buy the crash
>>60127598have fun
>>60127641>>60127661do you really not understand the difference between face value and market value, and the relationship between yield movement and market values?
>>60127685yield goes up = your bonds go down in value, the more duration the more they go downyield goes down = your bonds go up in value the more duration the more they go up
>>60127626you can sell before maturity on the secondary market, dumbass. and even if you sell before maturity in primary market you pay a small penalty.
>>60127772yeah and nothing guarantees you are in profit
>>60126557I'd rather deal with beggars than have to liver scared of people knowing I'm not totally broke. 180k is nothing.
>>60123339 I can get you 1000$ a month. Asia Pacific development bank in south east Asia offers 7% interest on USD fixed deposits if you have more than 100k
>>60126438A basket of the biggest 100 biggest tech companies in the world is bad, but 10% of a company that will go bankrupt the moment we enter a bear market is good? If you want BTC buy a BTC ETF. MSTR trades at a 2x premium AND is overleveraged to fuck.And having the totality of your net worth in bods is crazy as well. You know the government can default or inflate away their debt to nothing, right?
>>60127563When the big one happens MSTR might be around anymore.
>>60126461this. with 50k in QYLD I get a comfy $500 divvo paid at the end of every month.
>>60129319This is a spoonfeed basic bitch portfolio for OP retard. Also you don't understand anything about MSTR, shut the fuck up.
>>60123339deposit crvusd on curves lending protocol, its at 10 percent right now and thats on the low end from what it usually is, thats 1500 a month
>>60129503Lmao tell me how smart Saylor is then.I sure would like to know how taking on corporate debt to buy bitcoin is a genius strategy.
>>60123339Literally just stick it into an index fund that has an average of 10% return, and you can take out 1000 a month and still be making money
