What do you guys do to create more passive income?

[BayMoWe335]

Originally Posted by ASAP

better question... how would you experts actively invest an extra 100k?

Index fund using 5-10 buys over the course of 18 months. Reinvest the dividends and check the balance in 20 years.

The same strategy would work for $100M.

[UPSROD]

Or simply make an effort to spend less then you make! Don't lease a car or put the minimum down on a car that you cannot afford etc.

[ASAP]

Originally Posted by BayMoWe335

Index fund using 5-10 buys over the course of 18 months. Reinvest the dividends and check the balance in 20 years.

The same strategy would work for $100M.

Index funds seem like a simple strategy... I am not saying your advice isn't real; however it is both long term and quite low risk... w 100k, I would expect something w a larger / quicker return.

[Never_Enough]

Originally Posted by UPSROD

Or simply make an effort to spend less then you make! Don't lease a car or put the minimum down on a car that you cannot afford etc.

Better off keeping $ in the bank vs huge down payment on a car. $10k down lowers the monthly about $100. WOW......

[Joekerr]

Originally Posted by Never_Enough

Better off keeping $ in the bank vs huge down payment on a car. $10k down lowers the monthly about $100. WOW......

Well...no. Bank pays about 0.0001% interest. WOW.....

[Never_Enough]

Originally Posted by Joekerr

Well...no. Bank pays about 0.0001% interest. WOW.....

I guess my Schwab investment accounts don't count. Where did I say savings account? Also, get a better one. Mine pays better.

[bimmer456]

My investments are netting about 40%. Also get interest rate boost for savings and checking because of my brokerage accounts. Trump tariffs affected the market but it has largely rebounded, only had a minor affect. With any luck maybe they'll start making iphones here and the Chinese phones won't be stealing our technology. I'm not exactly a trump supporter mind you but if this works out so be it as the retaliatory tariffs at this point are minor, mainly impacting the farming sector which is trump's base so we'll see how they feel about that.

[Habs11]

Originally Posted by ASAP

better question... how would you experts actively invest an extra 100k?

"Extra" needs to be defined. Are you already on a path to fully fund your retirement? Yes/No would lead me to different suggestions for the $100K.

If you needs to fund for retirement I'd put half in a target date fund and split the rest into international/tech/healthcare/financial services.

If the $100K is really not needed for your retirement I'd go more aggressive and split it into emerging markets/tech/healthcare.

That's one opinion out of a million.

Oh and if it's really just piss away money send it to me so I can get a new X5.

[ASAP]

Originally Posted by UPSROD

Or simply make an effort to spend less then you make! Don't lease a car or put the minimum down on a car that you cannot afford etc.

yeah i never understood what it is with people going in on these crazy revolving high payment car loans... i would never pay above a certain amount monthly and always suggest a solid down payment... but i guess people are ok being upside down and its only a matter of time before we have another financial crisis...

waiting to hear from the I can invest my money and earn a higher return on it elsewhere crowd... ok?... u should do that and be able to put a down payment on a car and have money to invest... or perhaps you should just buy a cheaper car...

[BayMoWe335]

Originally Posted by ASAP

Index funds seem like a simple strategy... I am not saying your advice isn't real; however it is both long term and quite low risk... w 100k, I would expect something w a larger / quicker return.

This is the best advice you'll ever get. Investing really is that easy. Buy low cost index funds consistently over a lifetime and you will be rich. Try to do other stuff and listen to the noise, you will underperform the market with almost 100% certainty at best and lose your fortune at worst.

There is no such thing as larger/quicker returns with any consistency and without significant risk.

Don't confuse this with it CAN'T happen, but it won't be because you know what you're doing. And ultimately, you will fail like almost every soul that's tried before you.

[RickFLM4]

Originally Posted by ASAP

yeah i never understood what it is with people going in on these crazy revolving high payment car loans... i would never pay above a certain amount monthly and always suggest a solid down payment... but i guess people are ok being upside down and its only a matter of time before we have another financial crisis...

waiting to hear from the I can invest my money and earn a higher return on it elsewhere crowd... ok?... u should do that and be able to put a down payment on a car and have money to invest... or perhaps you should just buy a cheaper car...

Not really clear what you are seeking. If you are looking for a way to passively invest $100K on a risk free / low risk basis, while also throwing you $20K+ in annual income, the realistic answer is nowhere. If you want to invest for reasonable income or growth, there are answers already.

[Maynard]

Raffle your pay check. Easily a 200% return.

[Never_Enough]

Originally Posted by bimmer456

My investments are netting about 40%. Also get interest rate boost for savings and checking because of my brokerage accounts. Trump tariffs affected the market but it has largely rebounded, only had a minor affect. With any luck maybe they'll start making iphones here and the Chinese phones won't be stealing our technology. I'm not exactly a trump supporter mind you but if this works out so be it as the retaliatory tariffs at this point are minor, mainly impacting the farming sector which is trump's base so we'll see how they feel about that.

What investments are these? The stock market is down.

[Bingobimmer]

Buy drugs. Hire someone to sell said drugs. Split profits 50/50. Try finding the person in your community taking a gap year because they only applied to one college. Don't get too big to show up on the police or large dealer's radar.

[Flying Ace]

Originally Posted by RickFLM4

As Flying Ace suggested, equity investments that pay distributions is one option, which can be as simple as an Index ETF. It could also come through investment (without control) in a small, established business or real estate funding that pays out distributions if you know someone through whom you can make such an investment. There are many opportunities like this out there if you know where to look and meet the investment criteria. Another is high quality corporate debt offerings issued through private placements, again if you meet investor criteria and are tolerant of credit and interest rate risk. Overall I'd probably start by researching and reading rather than relying on an Internet forum, although a forum can spark some ideas. The investment vehicle will depend largely on things like availability to you and your risk tolerance.

exactly. If it was a golden ticket, I wouldn't be telling it to people.

Even in passive investing, there's no such thing as passive. Constantly got to stay on top of financial news and markets and make adjustments as needed.

One thing, I would suggest with an extra $100k, in today's equity environment, you might get a better "return" paying down your debt today. I've started paying down my mortgage. I calculated in my current prepayment pace, I'll save over $100k in interest. A penny saved indeed is a penny earned.

[Flying Ace]

Originally Posted by Bingobimmer

Buy drugs. Hire someone to sell said drugs. Split profits 50/50. Try finding the person in your community taking a gap year because they only applied to one college. Don't get too big to show up on the police or large dealer's radar.

I believe another good candidate if you're looking for an associate would be that young man "whose turning his life around" and "takes his grandma to church every sunday".

[Habs11]

Originally Posted by Flying Ace

exactly. If it was a golden ticket, I wouldn't be telling it to people.

Even in passive investing, there's no such thing as passive. Constantly got to stay on top of financial news and markets and make adjustments as needed.

One thing, I would suggest with an extra $100k, in today's equity environment, you might get a better "return" paying down your debt today. I've started paying down my mortgage. I calculated in my current prepayment pace, I'll save over $100k in interest. A penny saved indeed is a penny earned.

A penny saved > a penny earned. When you save a penny you have an extra penny, when you earn a penny you are often taxed on it or there are expenses to earning it!!

[UncleWede]

Originally Posted by Bingobimmer

Buy drugs. Hire someone to sell said drugs. Split profits 50/50. Try finding the person in your community taking a gap year because they only applied to one college. Don't get too big to show up on the police or large dealer's radar.

3 pages before any solid advice -smh

[XutvJet]

Originally Posted by ASAP

better question... how would you experts actively invest an extra 100k?

Vanguard S&P 500 index funds and/or Berkshire Class B.

[XutvJet]

Originally Posted by ASAP

Index funds seem like a simple strategy... I am not saying your advice isn't real; however it is both long term and quite low risk... w 100k, I would expect something w a larger / quicker return.

Get rich quick is a consistent way to loose your a$$ ~70% of the time.