[needadvice1]

I have $170,000 to be used for all my expenses during 5 years of school and am looking for a safe, hands-free place to invest it. I have worked out my budget for the next 5 years and this money should be enough to cover my expenses if it grows above inflation. I am not interested in purchasing real estate, owning a business, or managing a large stock portfolio, so I would be grateful for any ideas regarding the best way to invest this money for the next 5 years. I will need to be able to withdraw 20% of the money each year to cover my expenses. Money-market savings accounts and certificates of deposit do not appear to have high enough interest rates to be viable options. The only option that I have found so far are Treasury Inflation-Protected Securities (TIPS) and Vanguard Inflation-Protected Securities (VIPSX) looks to be the best TIPS, but I don’t know enough about inflation, diversification or investing to know if putting the entire $170,000 in a TIPS for 5 years is the best option. I would greatly appreciate any financial planning advice regarding my situation. If you could map out the specific investment vehicles or sketch a composite portfolio for the $170,000 I would be very thankful. This would be easier for me if I was investing for the long term, but my 5 year window, expense requirements, and the current inflation outlook and bear market make my situation very confusing. Thanks for your help.

[Tdinoz]

Originally Posted by needadvice1

Thanks for your help.

No problem Click HERE for help

[snowdog20]

oh and I forgot to mention one thing. Everbank sells bonds and CDs in many currencies, but for the high yields you want the bonds/CDs to be denominated in Icelandic Krona. I'm sure Everbank will assist you in figuring it all out.

[DEckert]

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[snowdog20]

hey you could buy Icelandic Bonds. Minimum invest is $50,000. Yield is around 11% - 12% APY. They are fully insured government bonds. And Iceland is one of the safest countries in the world to invest in. You will want to go to http://www.everbank.com/001Currency.aspx

[aaasset]

Originally Posted by needadvice1

I have $170,000 to be used for all my expenses during 5 years of school and am looking for a safe, hands-free place to invest it. I have worked out my budget for the next 5 years and this money should be enough to cover my expenses if it grows above inflation. I am not interested in purchasing real estate, owning a business, or managing a large stock portfolio, so I would be grateful for any ideas regarding the best way to invest this money for the next 5 years. I will need to be able to withdraw 20% of the money each year to cover my expenses. Money-market savings accounts and certificates of deposit do not appear to have high enough interest rates to be viable options. The only option that I have found so far are Treasury Inflation-Protected Securities (TIPS) and Vanguard Inflation-Protected Securities (VIPSX) looks to be the best TIPS, but I don’t know enough about inflation, diversification or investing to know if putting the entire $170,000 in a TIPS for 5 years is the best option. I would greatly appreciate any financial planning advice regarding my situation. If you could map out the specific investment vehicles or sketch a composite portfolio for the $170,000 I would be very thankful. This would be easier for me if I was investing for the long term, but my 5 year window, expense requirements, and the current inflation outlook and bear market make my situation very confusing. Thanks for your help.

I'm a trader out on my own after retiring from trading in a bank.I make use of forex options tp produce fixed returns. If you are interested you may look for me.

However, I cannot receive PM as I'm still a new member.

Lets communicate openly here to show that I have nothing to hide.

Good day

[dtjohnson]

Just avoid forex and anyone else on this forum that says they can help you invest it (by investing in them).

I recommend searching for angel groups in your local area. It will be a little more risky investing than bonds or CD's but you will also have a whole team of investor partners that you can meet in person. They will have a wealth of information for you.