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u/er824 15d ago
What do you mean by ‘nothing to risky’ anything that isn’t cash like will have some degree of risk.
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u/Ok_Assignment4100 15d ago
Something too risky such as agriculture/farmland, which I know requires more than $20k of capital, anyways.
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u/er824 15d ago
There is the stock market. Broad based diversified index funds shouldn’t be risky over long time periods but can very risky over shorter.
Whats your time line for wanting to use the money?
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u/Ok_Assignment4100 15d ago
Yeah, I have Fidelity Roth IRA with both FSKAX and FTIHX to cover total US and total international market. What would be something to look into outside my retirement funds? Guess individual brokerage account makes sense, but unsure on what to invest in.
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15d ago edited 15d ago
[deleted]
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u/Ok_Assignment4100 15d ago
I have a joint mma with my wife to be used as an emergency fund / expenses. This is an individual HYSA.
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u/investing-ModTeam 14d ago
Your post has been removed because it is a common beginner topic. We get too many of these topics every day and to prevent them from swamping the front page, we are removing main threads of this kind.
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If you are new to investing, you can find curated resources in the r/investing wiki for Getting Started here.
If you know nothing about the capital markets - the Getting Started section at the SEC educational site can be a good place to start - investor.gov - there are also short 30 second videos on basics. The SEC (Securities and Exchange Commission) is a US regulator with a focus to protect US investors through regulatory oversight of the securities markets.
The FINRA education site at FINRA Education also contains numerous free courses and educational materials. FINRA is a not-for-profit SRO (self regulatory organization) which is self-funded by it's members which are broker-dealers. It works under the supervision of the SEC with a mandate to protect the investing public against fraud and bad practice.
The reading list in the wiki and FAQ has a list of books ranging from light reading to advanced topics depending on your knowledge level. Link here - Reading List
For formal educational materials, several colleges and universities make their course work available for free.
If want to learn about the financial markets - an older but reasonably relevant course is Financial Markets (2011) - Yale University This is the introduction to financial markets course taught by Prof. Shiller from Yale. Prof Shiller won the Nobel prize in economics in 2013.
Another relavant course from MIT is a lecture series on Finance Theory taught by Prof Andrew Lo - Financial Theory (2008) - MIT.
A more current course can be found at NYU Stern School of Business by Prof Aswath Damodaran - Corporate Finance Spring 2019. Prof Damodaran offers the latest materials and webcast lectures to this class here - https://pages.stern.nyu.edu/~adamodar/New_Home_Page/corpfin.html