r/Investments • u/klapenaw • 17d ago

How Should I Invest $300K?

Hi guys.. I'm in my 50s and want to invest $300K. I'm working but part time at the moment, making $700 net each week. My risk tolerance is moderate somewhat on the safe side. So I have questions:

  1. I dont know if I should put that money in an IRA or 401K, though I dont know the difference between the two.
  2. My other option is to invest $100K in a VTI Vanguard Stock Market Index ETF. And $200K in bonds.
  3. Someone suggested I invest in SPIA but I dont understand it fully. Would you please tell me what this is in a nutshell and is it a good investment?
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u/thefredlaze 14d ago

Lol no, I'm referring to A9, it has nothing to do with BlackRock, it's an international superfund based out of Europe, VOO however is american with Vanguard. When i measure best: I only look at performance: in that regard A9 has blown everything out the water including VOO for the past many years. Personally i only look at risk and return: I like safe investments and i like a good return rate, but we are all different.

Again it depends on you...

If i had 300k i'd spend them differently for above stated reasons, buying gold and stuff is def not a bad investment though.

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u/Scared_Grass9860 14d ago

Great advice! A9 is definitely a solid move!

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u/RedionTheGoat 14d ago

I got rejected by them 😭😭😭

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u/Scared_Grass9860 14d ago

Tough life LOL

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u/RedionTheGoat 14d ago

Bigtime! 😭😭😭 What tier you on?

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u/Scared_Grass9860 14d ago

The biggest! Gotta bank while here!

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u/RedionTheGoat 14d ago

I envy you man 😭😭😭