Where to Invest Next, after Roth & 401k?
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  1. #1
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    Where to Invest Next, after Roth & 401k?

    So I am maximizing my 401K benefits and my Roth IRA contributions. Where is the next best place to invest my money?

    Mutual Funds?
    Pay off my $130,000 3.5% mortgage? (Have over 20 % equity already, so no PMI)
    Buy real estate or farmland?

    Looking for some guidance, I know there is not necessarily a right answer, but any thoughts are welcome.

    I am pretty conservative investor, and am strongly considering paying off the house. But the interest rate is so low it doesn't seem worth it.



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    Re: Where to Invest Next, after Roth & 401k?

    throw some extra $ towards your PITI on dat mortgage




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    Re: Where to Invest Next, after Roth & 401k?

    NOthing wrong with owning your home.



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    Re: Where to Invest Next, after Roth & 401k?

    Get rid of any debt first, that's almost always the best long term investment. I would advise to start with your smallest debt and work your way up.


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    Re: Where to Invest Next, after Roth & 401k?

    No other debt except the house.



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    Re: Where to Invest Next, after Roth & 401k?

    BUY GOLD! Well that's what they say on the radio.



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    Re: Where to Invest Next, after Roth & 401k?

    Quote Originally Posted by BloodyBuddy View Post
    No other debt except the house.
    Congrats, no wonder you have extra money to invest. I'd work on paying off the house if I were you.


    "But let’s see if the Cyclones can give everyone a nice big ****burger to eat. Opportunity awaits." -Brent Blum

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    Re: Where to Invest Next, after Roth & 401k?

    Barrett 50 cal with plenty of ammunition
    Lots of ammunition across the board


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    1. Start Up 2. Cash In 3. Sell Out 4. Bro Down

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    Re: Where to Invest Next, after Roth & 401k?

    Dave Ramsey tells me to pay off the house. Just trying to figure out if that is truly the best thing to do.



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    Re: Where to Invest Next, after Roth & 401k?

    Quote Originally Posted by BloodyBuddy View Post
    No other debt except the house.
    Nice work. That is what we are doing right now. We have no other debt except for the house note and our business note. Once these are paid off, daddy is going to take a long break! Bazinga!! Good luck to you!



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    Re: Where to Invest Next, after Roth & 401k?

    Definitley pay off any and all debt first. Next make sure you have a good amount of cash in savings for an emergency fund. Are you married? If so, you can max out a roth IRA in her name as well.



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    Re: Where to Invest Next, after Roth & 401k?

    Not a home-owner but like to get people's opinions on this as they tend to be all over the board. I hear that it's good to hold onto your mortgage as you get a tax break on the payments but I can't stand carrying debt. Is there any reason you shouldn't work aggressively to pay off your mortgage in this scenario? I hope to be in the OPs exact position in a few years (max my contributions to both already and likely will be moving into a house) and am curious what current home-owners think



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    Re: Where to Invest Next, after Roth & 401k?

    Blue horseshoe loves ticker symbol SEZ.

    From what I've heard its an up-and-comer in the field of sports entertainment.
    Once it gets off the ground its going to have a lot of room for growth.



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    Re: Where to Invest Next, after Roth & 401k?

    If you're married don't forget to start another Roth for your wife.



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    Re: Where to Invest Next, after Roth & 401k?

    get a ******* pez collection.



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