Investment advice?

[sana8410]

What about fix deposit or term deposit?
Some say that it is for the one who wants to play safe,at least it gives you fixed amount of profit without any risk.

Actually fixed deposits are not a very good method of investing.
This is because of a process called inflation which happens to the currency every country in the world everyday. Inflation is the rate where a currency loses its value as prices of goods rises. For example, if you needed to spend 100$ on food in 2012, but you have to spend 105$ on the exact same selection of food in 2013, that means prices have rose 5%, which is the rate of inflation because your money will you buy you 5% less of what it bought you last year.
More often than not, the rate of return fixed deposits offer you is LOWER than the rate of inflation. So you are either losing money, or if the rate of inflation happens to be low, you'll only be earning 1% to 1.5% a year at most.

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[thezerg]

What about fix deposit or term deposit?
Some say that it is for the one who wants to play safe,at least it gives you fixed amount of profit without any risk.

I don't think you're getting a much of a straight answer and the reason is that right now is one of the most dangerous times to invest (or simply hold cash -- that's an investment in your fiat currency) that I've seen in many years.   QE or your local equivalent has created a situation called biflation. 

Basically here's the view:

1. Stocks are hitting record highs, not because actual profitability is up but because QE dollars need somewhere to go.  It could turn around very quickly.

2. Any money market, CD or term deposit will be a net LOSS when adjusted for true inflation.

3. Any safe bond has the same issue as 2.

4. The smart $ already bought gold and other PMs -- the price

5. Land might be a good idea but it always has had its own issues, like illiquidity (might take you 2+ years to sell it).

6. Bitcoin is of course very volatile and still in Beta.

7. Altcoin investments is frankly gambling...

Basically, its a bad time to invest because systemic issues with the economy and financial system are causing large waves of money to flow around.  These waves make it very difficult to see water levels ( the true value of a product).

I think that the best thing to do in times of uncertainty is to diversify... own a little bit of a lot of unrelated stuff.

[RoadStress]

Buy 10 SP30 miners. When you make your first 25k then put them back into your pocket, next 25k reinvest into mining. I would advise you to exchange BTC only when new and better mining equipment comes out or when BTC reaches at least 1000$.

[nwfella]

What about fix deposit or term deposit?
Some say that it is for the one who wants to play safe,at least it gives you fixed amount of profit without any risk.

I don't think you're getting a much of a straight answer and the reason is that right now is one of the most dangerous times to invest (or simply hold cash -- that's an investment in your fiat currency) that I've seen in many years.   QE or your local equivalent has created a situation called biflation. 

Basically here's the view:

1. Stocks are hitting record highs, not because actual profitability is up but because QE dollars need somewhere to go.  It could turn around very quickly.

2. Any money market, CD or term deposit will be a net LOSS when adjusted for true inflation.

3. Any safe bond has the same issue as 2.

4. The smart $ already bought gold and other PMs -- the price

5. Land might be a good idea but it always has had its own issues, like illiquidity (might take you 2+ years to sell it).

6. Bitcoin is of course very volatile and still in Beta.

7. Altcoin investments is frankly gambling...

Basically, its a bad time to invest because systemic issues with the economy and financial system are causing large waves of money to flow around.  These waves make it very difficult to see water levels ( the true value of a product).

I think that the best thing to do in times of uncertainty is to diversify... own a little bit of a lot of unrelated stuff.

This particularly true (at least here in the states).  Friend of mine just had one heck of a time trying to sell a nice little piece of land with a little house on it in the midwest as recently as a month and a half ago.  They may say the market is picking up and the economy is improving, but reality paints a much different picture.

[fdiini]

What about fix deposit or term deposit?
Some say that it is for the one who wants to play safe,at least it gives you fixed amount of profit without any risk.

I don't think you're getting a much of a straight answer and the reason is that right now is one of the most dangerous times to invest (or simply hold cash -- that's an investment in your fiat currency) that I've seen in many years.   QE or your local equivalent has created a situation called biflation. 

Basically here's the view:

1. Stocks are hitting record highs, not because actual profitability is up but because QE dollars need somewhere to go.  It could turn around very quickly.

2. Any money market, CD or term deposit will be a net LOSS when adjusted for true inflation.

3. Any safe bond has the same issue as 2.

4. The smart $ already bought gold and other PMs -- the price

5. Land might be a good idea but it always has had its own issues, like illiquidity (might take you 2+ years to sell it).

6. Bitcoin is of course very volatile and still in Beta.

7. Altcoin investments is frankly gambling...

Basically, its a bad time to invest because systemic issues with the economy and financial system are causing large waves of money to flow around.  These waves make it very difficult to see water levels ( the true value of a product).

I think that the best thing to do in times of uncertainty is to diversify... own a little bit of a lot of unrelated stuff.

This particularly true (at least here in the states).  Friend of mine just had one heck of a time trying to sell a nice little piece of land with a little house on it in the midwest as recently as a month and a half ago.  They may say the market is picking up and the economy is improving, but reality paints a much different picture.

Housing market is still very weak. A friend of mine sold a house for half the price at peaked of housing market recently.

[umair127]

Buy 10 SP30 miners. When you make your first 25k then put them back into your pocket, next 25k reinvest into mining. I would advise you to exchange BTC only when new and better mining equipment comes out or when BTC reaches at least 1000$.

I was thinking about mining too,since bitcoinis on the wave ,better to mine it than buy it.But what about the electricity consume and the space?I have an small apartment ,so not to much free space,plus i am thinking that i need an extra AC too?

[okthen]

What about fix deposit or term deposit?
Some say that it is for the one who wants to play safe,at least it gives you fixed amount of profit without any risk.

I don't think you're getting a much of a straight answer and the reason is that right now is one of the most dangerous times to invest (or simply hold cash -- that's an investment in your fiat currency) that I've seen in many years.   QE or your local equivalent has created a situation called biflation. 

Basically here's the view:

1. Stocks are hitting record highs, not because actual profitability is up but because QE dollars need somewhere to go.  It could turn around very quickly.

2. Any money market, CD or term deposit will be a net LOSS when adjusted for true inflation.

3. Any safe bond has the same issue as 2.

4. The smart $ already bought gold and other PMs -- the price

5. Land might be a good idea but it always has had its own issues, like illiquidity (might take you 2+ years to sell it).

6. Bitcoin is of course very volatile and still in Beta.

7. Altcoin investments is frankly gambling...

Basically, its a bad time to invest because systemic issues with the economy and financial system are causing large waves of money to flow around.  These waves make it very difficult to see water levels ( the true value of a product).

I think that the best thing to do in times of uncertainty is to diversify... own a little bit of a lot of unrelated stuff.

This particularly true (at least here in the states).  Friend of mine just had one heck of a time trying to sell a nice little piece of land with a little house on it in the midwest as recently as a month and a half ago.  They may say the market is picking up and the economy is improving, but reality paints a much different picture.

Housing market is still very weak. A friend of mine sold a house for half the price at peaked of housing market recently.

I have a friend in real estate who says now is the time to buy (specially houses, not so much land). It's expected that 2015 will present raising prices.

[Gianluca95]

Invest the 10% of your capital in Bitcoin, deposit it in a paper wallet and then close it into a strongbox

[ljudotina]

If i had serious money to invest, i'd split it around to BTC, Gold, Silver and probably something else that is not forex / stock related.

[unpure]

For really long term, real estate is probably the best investment out there.

[sukamasoto]

Real estate investing may be the right choice and do not forget to invest in shares and deposits   

[ShakyhandsBTCer]

For really long term, real estate is probably the best investment out there.

Your statement is probably correct, however in the context of it being correct the term "really long term" would probably be longer then the OP's time frame that he is looking to invest.

Real estate has traditionally gone up over time (when looked at nationally) although our most recent recession proved that to not always be the case. Prices in some of the hardest hit "bubble" areas (Much of FL and NV) will probably not recover to their pre-recession highs for many decades. If you were investing in a pension fund for example (whose time horizon is essentially "forever") then real estate is probably a good investment as long as it is not too concentrated. The OPs time frame is probably not more then 50 years (assuming the OP is 20 years old and wishes to retire at age 70) and real estate may or may not be higher then.

[Ashbite]

I think real estate is the best u can invest in, and the safest in my opinion. There a tons of options on what to do with ur money, Go for the safest play and dont risk anything.

[nwfella]

Buy 10 SP30 miners. When you make your first 25k then put them back into your pocket, next 25k reinvest into mining. I would advise you to exchange BTC only when new and better mining equipment comes out or when BTC reaches at least 1000$.

I was thinking about mining too,since bitcoinis on the wave ,better to mine it than buy it.But what about the electricity consume and the space?I have an small apartment ,so not to much free space,plus i am thinking that i need an extra AC too?

Mining is great fun and highly addictive.  However, if profit is your motive you'll definitely want to look into investing into anything but mining.  Hardware value depreciation in the asic and scrypt asic markets are absolutely insane right now (and have been since I started mining).  Factor into this how quickly difficulty is increasing, a small apartment with limited electricity supply and you have yourself a recipe for disappointment. 

Also, odds are you won't really be able to host any kind of serious mining equipment on a typical apartments wiring.  If your space, electricity, and cooling are limited, consider cloud mining instead.  Although you'll run into the same issue(s) of depreciation of whatever you buy soon enough.  Hope this helps.

[Bogleg]

Many posters here already mention real estate.

Rent it out to increase your yield as well as the capital gain from appreciation.

[ShakyhandsBTCer]

Buy 10 SP30 miners. When you make your first 25k then put them back into your pocket, next 25k reinvest into mining. I would advise you to exchange BTC only when new and better mining equipment comes out or when BTC reaches at least 1000$.

I was thinking about mining too,since bitcoinis on the wave ,better to mine it than buy it.But what about the electricity consume and the space?I have an small apartment ,so not to much free space,plus i am thinking that i need an extra AC too?

Mining is great fun and highly addictive.  However, if profit is your motive you'll definitely want to look into investing into anything but mining.  Hardware value depreciation in the asic and scrypt asic markets are absolutely insane right now (and have been since I started mining).  Factor into this how quickly difficulty is increasing, a small apartment with limited electricity supply and you have yourself a recipe for disappointment. 

Also, odds are you won't really be able to host any kind of serious mining equipment on a typical apartments wiring.  If your space, electricity, and cooling are limited, consider cloud mining instead.  Although you'll run into the same issue(s) of depreciation of whatever you buy soon enough.  Hope this helps.

It may still be early enough so that ASIC scrypt mining would still be profitable.

[Harley997]

Many posters here already mention real estate.

Rent it out to increase your yield as well as the capital gain from appreciation.

There is no guarantee that you will either be able to rent your property that is above your expenses, or at all. Nor is there a guarantee that your specific house/real estate investment will appreciate.

[pastet89]

I have some savings -about 50k usd- and so far I've been thinking about mutual funds and Forex and Bitcoin
Any advice/recommendations/ideas? Does anyone here do investments?

My advice is to refrain from asking random anonymous people for advice on how to invest your money.

Your situation is unique and nobody can give you good advice without knowing your situation.

Here is some generic advice:
1. Only invest in things you understand.
2. Start investing with simple low risk investments (e.g. savings account and CDs), then as your wealth grows add more complex and risky investments.
3. Avoid forex and day-trading. You will lose money.

+ 1

[gelar24]

i like invest, and always invest, but if big invest big risk got scammer -___-

[Gianluca95]

With 20% of your capital, buy some bitcoin, then insert it in a paper wallet

When price will rise up, sell it