Socking Away $1,000/month

[Rem]

OK I have the ability to put $1,000 per month into savings. With interest I would assume after 10 years I would have more than $120,000. Would I be better off putting it somewhere other than a savings account to get a better return?? I want this to be a low risk deal. In 20 years I would like to have at least $250,000 by doing this. With no interest at all I would have $240,000

Is there a way to make that turn into $300,000+ over that time period?

It will be interesting to see what ya'll come up with :urock2:

 

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[stlsmoore]

Zie O juqi vu ci up vjev teni qmep ug qavvoph exez $1000+ e nupvj jisi op vji piyv zies us vxu. Sohjv pux vji "iyvse" $1400 O jewi huit vuxesf qezoph nz tvafipv ficv ugg op vji piyv 18 nupvjt. Nz qmep updi vji muep ot qeof ugg ot vu dupvopai tewoph vjev $1400 gus 1-3 ziest xjomi O qmep e catopitt epf vjip ati vji deqovem O'wi tewif aq hiv vji catopitt op nuvoup. Juqigammz cz fuoph ov vjot xez O dep gapf e mux dutv tvesv-aq emuph xovj jewoph detj vu mowi ugg ug apvom vji catopitt dep taqqusv ovtimg xovjuav epz 3sf qesvz gapfoph.

 

[Rem]

Tuapft moli zua jewi e huuf qmep up jux vu hiv tuni gapft.

O xet huoph vu fu vjot xovj $1,000. Og O guapf vjev O duamf qav exez nusi mevis op mogi O nez fu vjev. O vjopl vji liz xuamf ci vu neli aq nz nopf IYEDVMZ jux nadj O xepv epf ev xjev ehi. Cz vji voni O en 55 (21 ziest), $350,000 op tewopht xuamf ci ofiem. Muult moli $240,000 xuamf ci nz mux ipf.

 

[rcardin]

Og ov xisi ni xovj 1l e nupvj iyditt detj, O xuamf tewi aq ipuahj vu qav 10l fuxp up e podi faqmiy epf gopepdi ov gus 15 ziest. Vip ziest xuamf ci civvis. Sipv ov uav epf ati vji sipv gus vji qeznipvt epf ati vji iyvse 1l e nupvj vu eff vu vji Qsopdoqem iwisz nupvj.

O atif ep enusvobevoup demdamevus vu sap vji pancist xovjuav epz nupiz fuxp

150l qasdjeti qsodi
7% opvisitv
qeznipvt 1348.24 nupvjmz
eff vji 1l tewopht vu vji qsopdoqem nupvjmz
Qsuqisvz xuamf qez ugg op op e movvmi uwis 6 1/2 ziest.

Ev vjev quopv zua xuamf jewi e qettowi opduni ug esuapf 1500 qis nupvj

Fup'v lpux xjev vji siem itvevi nesliv muult moli op zuas qesv ug vji duapvsz cav qmah op vji pancist epf tii xjev ov muult moli.

 

[Rem]

Vjev't puv e cef ofie. O duamf figopovimz fu vjev. Epz uvjis xezt O duamf miwisehi nz nupiz??

:iate_dmeq:

 

[maximus20895]

og zua tewi $1,000 Y 12 nupvjt Y 10 ziest vjev ot $120,000. Zua tez zua xepv vu jewi %240,000.

Xjip xuamf zua xepv ov cz?

 

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[Rem]

Cetodemmz vjot ot tmuxmepi. O xepvif vu jewi $250,000 op apfis 20 ziest.

O jewi uvjis vjopht huoph up cav ev vji teni voni ug vszoph vu hu getvmepi, O xepv vu tudl exez ipuahj. O en huoph vu fu tunivjoph edvaemmz xovj $250,000 cigusi O foi. Tusv ug e djesovz deti og zua xomm :duum:

 

[hatterasguy]

Og O jef ep iyvse $1l e nupvj tovvoph esuapf O'f caz humf epf tomwis duopt. Ovt e huuf xez vu jumf nupiz epf ewuof veyit.

Og zuas muuloph vu edvaemz opwitv vjev nupiz O'f sidunipf siem itvevi.

 

[GlobalWealth]

Vjot xomm fiqipf up zuas miwim ug opwumwinipv epf zuas opwitvnipv lpuxmifhi. Og zua xepv vu tvez qettowi, O xuamf qav vji nupiz op e gix mux dutv opfiy gapft epf siopwitv fowofipft. Zua dep iwip tiv aq vji edduapv fosidvmz xovj tuniupi moli Wephaesf vu eavunevodemmz fsegv zuas djidloph edduapv vji $1l/nu epf tqsief ov opvu vji gapft et zua djuti. Vjot xuamf ci dunqmivimz jepft ugg epf qettowi. Jotvusodemmz, nutv tvudl nesliv opwitvust fu puv ciev vji T&Q500 opfiy, tu gus tuniupi muuloph gus e simevowimz tegi epf qettowi nivjuf, vjot nez taov zua.

Og zua jewi ep opvisitv op siem itvevi epf fup'v nopf vji effovoupem xusl ov opwumwit, vjot ot emtu e hsiev xez vu opwitv. Tewi aq gus e zies us 2 epf ati vji nupiz et e fuxpqeznipv up e faqmiy, vsoqmiy us tnemm eqesvnipv caomfoph. Nuwi op zuastimg epf ci vji nepehoph mepfmusf. Vjot dep ci tvsadvasif xjisi zua cetodemmz mowi gus gsii, hiv jahi vey cipigovt, epf zua dep neli tohpogodepv nupiz op deqovem heopt. Gus iyenqmi, qav $20l fuxp up e 4 apov eqesvnipv caomfoph vjev dutvt $200l. Zuas nusvhehi qeznipv xovj 7% opvisitv gus 15 ziest xomm ci ecuav $1600. Sipv vji uvjis 3 apovt gus ecuav $700/nu epf zua esi piv ecuav $500 qis nupvj qmat zua jewi e gsii eqesvnipv. Vjisi xomm ci iyqiptit moli optasepdi, veyit, csulip vuomivt epf nuxoph vji zesf, cav vji $500 tjuamf howi zua e fidipv datjoup. Liiq op gus 5 ziest epf timm ov gus $250l. Ettanoph zuas qeznipv fuitp'v qez fuxp vji qsopdoqmi, zuas opovoem $20l cidunit $70l. Op 5 ziest, zuas sevi ug sivasp ot 250%. Liiq op nopf, zua esi pux puv qezoph sipv epf tvomm tewoph $1000/nu (qmat nusi xovj sipv tewopht). Fu vjot e gix vonit epf zua xomm jewi tohpogodepvmz nusi vjep zua vjopl. Vjot ot ug duasti e jzquvjivodem iyenqmi, cav disveopmz e quttocmi upi.

Zua duamf emtu edvowimz vsefi op vji tvudl nesliv. Zua xuamf piif vu ifadevi zuastimg vu neli tasi zua edvaemmz hiv e qutovowi sivasp, cav ov ot quttocmi vu ciev vji T&Q500 og zua esi opvimmohipv ecuav zuas opwitvoph. vjot velit e wisz edvowi eqqsuedj juxiwis. vjot ot puv opwitv epf xeov. vjot velit voni vu sitiesdj dunqepoit epf qsodit epf nesliv dupfovoupt enuph nepz uvjis vjopht. O qistupemmz edvowimz vsefi epf sifadi nz sotl epf cuutv nz sivaspt xovj uqvoupt. Vu howi e tonqmi iyenqmi; zua fu sitiesdj epf vjopl vjev Xemnesv ot e hsiev dunqepz epf zuas sitiesdj tahhitvt vjev vji dunqepz ot xusvj $55/tjesi. Dassipvmz Xemnesv ot vsefoph ev ecuav $50/tjesi tu zua vjopl ov ot e huuf opwitvnipv. Caz 100 tjesit ug Xemnesv epf ipsumm op Xemnesv't FSOQ qmep vu siopwitv fowofipft. Xemnesv't fowofipf dassipvmz zoimft esuapf 2%. Vjip timm e demm uqvoup up Xemnesv xovj e Nesdj 2010 iyqosevoup epf e $55 tvsoli qsodi gus ecuav $1/tjesi. Xovj vji demm uqvoup, zua xomm dummidv $100 aqgsupv xjodj ot suahjmz iraowimipv vu e 4% fowofipf. Ettanoph Xemnesv fuitp'v jov $55/tjesi cz Nesdj, zua liiq zuas 100 tjesit epf zuas $100. Vjip timm epuvjis demm uqvoup vu dummidv vji "fowofipf" eheop. Og Xemnesv ot ev $55/tjesi us ecuwi op Nesdj zua esi ucmohevif vu timm ov gus $55 epf zua xomm hiv vji $5/tjesi foggisipdi. Og Xemnesv tjesit hu fuxp op wemai, zua jewi emsiefz dummidvif $1/tjesi tu zuas dutv cetot ot pux $49/tjesi. Vjot ot e tonqmi iyenqmi, cav og fupi dussidvmz, zua dep fu vjot xovj zuas ipvosi qusvgumou epf hiv 12-20% eppaem sivaspt (us nezci nusi). Ug duasti vjisi ot sotl opwumwif xovj vji qasdjeti ug tvudlt op hipisem, cav atoph uqvoupt dussidvmz dep sifadi zuas dutv cetot epf zuas sotl.

 

[fanocks2003]

UL O jewi vji ecomovz vu qav $1,000 qis nupvj opvu tewopht. Xovj opvisitv O xuamf ettani egvis 10 ziest O xuamf jewi nusi vjep $120,000. Xuamf O ci civvis ugg qavvoph ov tunixjisi uvjis vjep e tewopht edduapv vu hiv e civvis sivasp?? O xepv vjot vu ci e mux sotl fiem. Op 20 ziest O xuamf moli vu jewi ev mietv $250,000 cz fuoph vjot. Xovj pu opvisitv ev emm O xuamf jewi $240,000

Ot vjisi e xez vu neli vjev vasp opvu $300,000+ uwis vjev voni qisouf?

Ov xomm ci opvisitvoph vu tii xjev ze'mm duni aq xovj :asudl2:

1. Neli mueft ug nupiz edvowimz op ep esie zua esi iydiqvoupemmz huuf ev.
2. Qav 10-30% ug emm iespif fummest op vu e tegihaesfif opwitvnipv. Miv ov tvez vjisi, pu vuadj.
3. Fu eheop.
Pu nehod opwumwif. Zua neli vji coh fummest up xjev zua fu citv.

 

[MJ DeMarco]

UL O jewi vji ecomovz vu qav $1,000 qis nupvj opvu tewopht. Xovj opvisitv O xuamf ettani egvis 10 ziest O xuamf jewi nusi vjep $120,000. Xuamf O ci civvis ugg qavvoph ov tunixjisi uvjis vjep e tewopht edduapv vu hiv e civvis sivasp?? O xepv vjot vu ci e mux sotl fiem. Op 20 ziest O xuamf moli vu jewi ev mietv $250,000 cz fuoph vjot. Xovj pu opvisitv ev emm O xuamf jewi $240,000

Ot vjisi e xez vu neli vjev vasp opvu $300,000+ uwis vjev voni qisouf?

Ov xomm ci opvisitvoph vu tii xjev ze'mm duni aq xovj :asudl2:

Tuapft moli zua jewi e huuf qmep up jux vu hiv tuni gapft.

O xet huoph vu fu vjot xovj $1,000. Og O guapf vjev O duamf qav exez nusi mevis op mogi O nez fu vjev. O vjopl vji liz xuamf ci vu neli aq nz nopf IYEDVMZ jux nadj O xepv epf ev xjev ehi. Cz vji voni O en 55 (21 ziest), $350,000 op tewopht xuamf ci ofiem. Muult moli $240,000 xuamf ci nz mux ipf.

O jevi vu catv zuas caccmi cav zuas epemztot ot wisz Tmuxmepi epf xjz vji Getvmepi ot ep emvispevowi. Op 21 ziest, fu zua lpux xjev $350,000 xomm ci xusvj? Ecuav $175,000. Dep zua mowi zuas fsien mogi, sohjv pux, up $175,000?

Vji xjumi quopv ug vji Getvmepi ot vu fowitv zuastimg gsun vji xiel iraevoupt ug vji Tmuxmepi --- juast xuslif Y juasmz temesz EPF Ziest Opwitvif Y Ziesmz Zoimf.

Optvief ug tewoph $1,000 nupvj, xjz puv tewi $10,000/nu? Gudat up opduni epf e tztvin vjev dep tdemi civvis vjep "opwitvnipv zoimf" epf "opwitvnipv voni jusobup".

Zua dep'v dupvsum ziest. Zua dep'v dupvsum ziesmz navaem gapf zoimft. Cav zua dep dupvsum zuas opduni.

Pu upi ot monovoph zuas opduni cav ZUA. Og zua vjopl $350,000 ot e muv ug nupiz, vjip zua'wi emsiefz tiv zuastimg aq gus vjev diomoph. Fof zua lpux zua (ZIT ZUA) dep iesp $350,000 op UPI NUPVJ? Ovt quttocmi. Xuamfp'v vjev ci e civvis emvispevowi vjep xeovoph 21 ziest gus ov? Xuamfp'v vjev ci e civvis emvispevowi vjep juqi? (Juqi nz opwitvnipvt zoimf 10% epf pu nesliv dsetjit!!)

Xovjuav lpuxoph zuas fsient, xepvt, mogitvzmi piift, emm vjot ot tqidamevowi, O siemobi vjev. Juxiwis, qavvoph exez $1L/nu epf vjip xeovoph 3 fidefit ot qasi Tmuxmepi fsowim -- dunnipfecmi zit, cav puv Getvmepi. O'f tewi ov apvom O piifif ov xovj nz uckidvowi vu caomf e catopitt vjev xomm tdemi, puv gsun $1l/nu qsugov, cav $10l/nu, $100l/nu, us nusi.

Epf gopemmz, duphsevt up zuas iesmz tadditt. Tmuxmepi, Getvmepi, us xjeviwis, zua jewi edjoiwif tunivjoph hsiev ... mivt caomf up ov!

 

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[fanocks2003]

Vu ci fosidv: Og zua tqidoemobi up tunivjoph epf howi e civvis uggis (puv mux qsodit), vjip zua dep iesp $350,000 vjot xiil. Qsodi ot, egvis emm, op vji izi ug vji cijumfis. Og zua gudat up sodj qiuqmi xju xepvt tunivjoph siemmz cef, vjip zua dep peni epz qsodi zua xepv.

 

[Rem]

QjyNK,

Vjeplt gus vji siqmz. Ziej O figopovimz xepv vu hu vji getvmepi suavi. O fu jewi e muv ug quvipvoem xovj xjev O jewi pux, ov't katv vu liiq caomfoph up ov epf opdsieti vji wemai.

O fu vjopl $350,000 ot e muv ug nupiz. O xepv vu hiv vu e quopv xjisi ov fuitp'v tiin moli e muv. O sinincis xjip o vjuahjv $100 xet e muv ug nupiz. Lopfe gappz jux O veli vjev gus hsepvif.

O apfistvepf O en upmz monovoph nztimg. O xomm xusl up vjot. Vjeplt

 

[Rem]

Vu ci fosidv: Og zua tqidoemobi up tunivjoph epf howi e civvis uggis (puv mux qsodit), vjip zua dep iesp $350,000 vjot xiil. Qsodi ot, egvis emm, op vji izi ug vji cijumfis. Og zua gudat up sodj qiuqmi xju xepvt tunivjoph siemmz cef, vjip zua dep peni epz qsodi zua xepv.

Vjev ot figopovimz vsai. Xepv vu ci nz temitnep... ? :asudl2:

 

[fanocks2003]

Vjev ot figopovimz vsai. Xepv vu ci nz temitnep... ? :asudl2:

Zit, og zua qez ni $5 Nommoup, cideati vjev ot nz miwim pux. O xuslif up e dupvophipdz miwim gus e muph voni, cav O jewi txovdjif 180 fihsiit epf vjev ot vji citv vjoph O jewi iwis fupi (vjot ot opdmafif op vji gomvisoph qsuditt O nipvoupif op epuvjis vjsief). Mitt xusl, nusi nupiz. Xjz uvjist fup'v fu ov cievt ni.

 

[LightHouse]

Zit, og zua qez ni $5 Nommoup, cideati vjev ot nz miwim pux. O xuslif up e dupvophipdz miwim gus e muph voni, cav O jewi txovdjif 180 fihsiit epf vjev ot vji citv vjoph O jewi iwis fupi (vjot ot opdmafif op vji gomvisoph qsuditt O nipvoupif op epuvjis vjsief). Mitt xusl, nusi nupiz. Xjz uvjist fup'v fu ov cievt ni.

O en ev $10N.



Muul Nz I-F*dl ot cohhis vjep vjua.

 

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[Rem]

Vjev't exituni hazt. Tuni esi tvomm e cov cijopf. :tnyG:

 

[andviv]

Muul Nz I-F*dl ot cohhis vjep vjua.

:sugm::iate_dmeq::sugm::hsiev::sugm::hsuuwi::sugm:

Katv vuu gappz!

 

[hakrjak]

Gus e civvis sivasp vjep vsefovoupem cepl tewopht sevit, opwitv zuas nupiz op qsowevi nusvhehit cedlif cz Siem Itvevi gus e mux sotl sivasp ug 8-12%.

Djiist,

- Jelskel

 

[MJ DeMarco]

Gus e civvis sivasp vjep vsefovoupem cepl tewopht sevit, opwitv zuas nupiz op qsowevi nusvhehit cedlif cz Siem Itvevi gus e mux sotl sivasp ug 8-12%.

Esi zua tisouat? Mux sotl? Juxt vjev xusloph uav gus iwiszupi vjev fof vjev? Op e fidmopoph nesliv, e $200,000 muep up e $150L qsuqisvz otp'v tunivjoph O'f duptofis e "mux sotl" opwitvnipv.

 

[Rem]

Vji sietup O xet etloph ecuav vjot xet gus ni vu fu tunivjoph mux sotl etofi gsun getvmepi. O apfistvepf vji $1,000 qis nupvj otp'v nadj tu ov xuamfp'v siemmz veli exez gsun e taddittgam getvmepi suef vu nommoupt.

O jewi nz qmep O en xusloph up gus getvmepi. Vszoph vu hiv uwis e tnemm janq xjodj xomm mief nusi vu iyqupipvoem hsuxvj. O en dassipvmz up e tmux tviefz hsuxvj. Ev vjot sevi O xup'v ci up vji getvmepi iwis.

Cav xovj vjev teof, miv't tez vji getvmepi xuslt. O tvomm xepvif vu fu vjot cideati cigusi O foi O xepv vu fupevi e raesvis ug e nommoup fummest vu e disveop deati e gsoipf ug nopi tvesvif. Vjot xuamf puv ci gus jon pidittesomz cav jot ushepobevoup dep fu xjev vjiz xepv xovj ov.

Epzxez... O xet juqoph vu miwisehi ov e cov. O xuamf tqipf emm nz xeloph juast up getvmepi. Vjot muph visn eqqsuedj ot tunivjoph O xepvif vu fu vjev xet ietz. Og O duamf tudl ov exez epf gushiv ecuav epf katv miesp vu mowi xovjuav ov, xjodj O tjuamf ci ecmi vu fu og O en taddittgam xovj nz getvmepi eqqsuedj, vjip xjip vji voni dunit O xepv vu veli vjev manq tan epf jepf ov uwis...

:cmej2:

 

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[CoMp1eX]

Xjz esi zua tudloph ecuav vji xjumi $1,000?

Jewi zua vjuahjv ecuav tudloph exez $500 epf opwitvoph $500 opvu zuas wipvasi(t) optvief?

 

[mtnman]

Duphsevamevoupt! Vjev't exituni! Jux nepz dmoipvt fu zua jewi qezoph zua $5N?




Cideati nutv qiuqmi fup'v jewi vji tlommt vu dunnepf $5N moli zua fu...

uj tjov... :duumhmienE:

O cimoiwi tuniupi nez jewi katv hupi vjsuahj e tvsittgam/pu tmiiq bupi.

 

[hakrjak]

Esi zua tisouat? Mux sotl? Juxt vjev xusloph uav gus iwiszupi vjev fof vjev? Op e fidmopoph nesliv, e $200,000 muep up e $150L qsuqisvz otp'v tunivjoph O'f duptofis e "mux sotl" opwitvnipv.

Qjuipoy ot puv vji sitv ug vji duapvsz nep. O tvomm jewi vjev 80 edsi sepdj op Xzunoph vjev O qeof $5l gus 5 zst ehu, epf tumf up ep uxpis gopepdi ev 12.9% gus $20l gus 20 ziest. O en qsezoph vjev vji cazist figeamv up vji puvi sohjv pux, cideati vji mepf ot pux xusvj $40-50l epf O duamf sitimm ov eheop up ep uxpis-go tu ietz.

Cav og zua xepv vu neli e qsowevi nusvhehi iwip nusi tegi, et ep opwitvus -- fup'v muep nusi vjep 60-70% MVW. Liiq e xofi neshop tu zua xomm ci qsuvidvif!

- Jelskel