VIPinthailand Posted September 15, 2015 Share Posted September 15, 2015 it seems this year I won't make any money at all. worth to invest in a condo in Bangkok or Pattaya and give it to an agency to manage it ? what to do? I'm sure many guys are in the same boat. my portofolio is 40 percent in stocks and bonds, rest is in cash. Link to comment Share on other sites More sharing options...
Soutpeel Posted September 15, 2015 Share Posted September 15, 2015 Buy a fleet of boats for when BKK sinks ? Link to comment Share on other sites More sharing options...
puukao Posted September 15, 2015 Share Posted September 15, 2015 get out of all your investments NOW......... allow for the collapse......then buy some bonds with high yield in 2-3 years.... or buy some swamp land i have at great prices!!!! if you don't own property....then buy some in your home country Link to comment Share on other sites More sharing options...
RolandRat Posted September 15, 2015 Share Posted September 15, 2015 How to make a small fortune in Thailand....start with a BIG one. Just pack up and head out, that seems to be the trend theses days, go try Cambodia or Vietnam, visa's are easier for a start. Link to comment Share on other sites More sharing options...
fey Posted September 15, 2015 Share Posted September 15, 2015 hmmm...another really naive financial thread by the same op... Link to comment Share on other sites More sharing options...
PCA Posted September 15, 2015 Share Posted September 15, 2015 hmmm...another really naive financial thread by the same op... good tips for commission, easy like that Link to comment Share on other sites More sharing options...
passedout Posted September 15, 2015 Share Posted September 15, 2015 Government bonds from emerging countries are still offering a half decent return around 6 to 7% a few even higher if you can palate the risk. Link to comment Share on other sites More sharing options...
Langsuan Man Posted September 15, 2015 Share Posted September 15, 2015 I am not in the same boat My stocks still pay me good dividends and my tax free munis are netting me around 3.6% annualized when you count in the tax break Now if you are talking about the Thai Stock Market and Thai Bonds then I am not in the same boat as you, so I can offer no advice Link to comment Share on other sites More sharing options...
The Dancer Posted September 15, 2015 Share Posted September 15, 2015 I am not in the same boat My stocks still pay me good dividends and my tax free munis are netting me around 3.6% annualized when you count in the tax break Now if you are talking about the Thai Stock Market and Thai Bonds then I am not in the same boat as you, so I can offer no advice Good for you. Sounds like you are doing well. If it's not confidential would you mind sharing more about what you are investing in? I would be particularly interested if your investments are in the US because there's where most of what little I have is and I am trying to figure out a steady income strategy. Link to comment Share on other sites More sharing options...
VIPinthailand Posted September 15, 2015 Author Share Posted September 15, 2015 my investments are in the European & USA market. little bit of commodities too like gold, silver... all my business is managed by a bank. I could do it by myself but too risky. too many of my friends lost all thinking they could make big money and have been hit by the crisis. They have lost most of their money. when market is based on a fraction of a second, better give this to professionals and have a good night sleep. I will not invest more(in stocks and bonds ) . better be safe than sorry. this is why I am asking you if there is a better and a safer way to invest. Link to comment Share on other sites More sharing options...
Langsuan Man Posted September 15, 2015 Share Posted September 15, 2015 I am not in the same boat My stocks still pay me good dividends and my tax free munis are netting me around 3.6% annualized when you count in the tax break Now if you are talking about the Thai Stock Market and Thai Bonds then I am not in the same boat as you, so I can offer no advice Good for you. Sounds like you are doing well. If it's not confidential would you mind sharing more about what you are investing in? I would be particularly interested if your investments are in the US because there's where most of what little I have is and I am trying to figure out a steady income strategy. Unfortunately I am not a trader but inherited a portfolio of stocks that my father picked based upon their dividend payment history since he did not have a retirement fund from any job. One of the best payers seems to be AT&T for instance. The tax free munis were purchased for the State of Pennsylvania to save taxes and were Fidelity and Vanguard offerings I am not trying to be vague, just honest Link to comment Share on other sites More sharing options...
gk10002000 Posted September 15, 2015 Share Posted September 15, 2015 I invest for dividends and interest, but not buying stocks or funds that seem too highly priced. I own BP and T for individual stocks. Prices go up and down, I just keep reinvesting the dividends. I hold lots of tax free municipal bonds of long term duration I bought in the last 10 years and Municipal ETFs and Funds. Averaging >4 % across the board tax free. My holdings are: PGX, PFXF,T, BP, NLY, PZA,PRTAX,NEA,PRHYX. The tax free stuff is of course in my regular brokerage account. The other holdings, are split between my ROth IRA and my Traditional IRA. My plan was to get enough income to qualify for Thai retirement visa income test with of course a lot left over. I now earn twice that. I plan to work about 3 or 4 more years then probably take my earlier, but not earliest social security benefits. I will still be young enough to enjoy my retirement, yet also have enough to ensure I will always have enough in retirement. Link to comment Share on other sites More sharing options...
SpokaneAl Posted September 15, 2015 Share Posted September 15, 2015 Even as I enter my mid sixties, I continue to invest for the longer term - think decades, and would not make any allocation decisions based on a single year. Find an allocation and stick with it, and ignore the short term gyrations and talking heads. Link to comment Share on other sites More sharing options...
fish fingers Posted September 15, 2015 Share Posted September 15, 2015 I've made quite a bit on currency trading over the last 3 years, esp sterling/ baht. Tax free and paid for my living expenses inThailand Property in europe. Looking to buy a place in Italy before christmas Recently the wife and I acquired some land in Bangkok and the idea was to build shophouses. But the investment was quite high so now decided on a development that caters to a service industry instead i.e. always in demand/people still need in a recession. Link to comment Share on other sites More sharing options...
lostoday Posted September 16, 2015 Share Posted September 16, 2015 my investments are in the European & USA market. little bit of commodities too like gold, silver... all my business is managed by a bank. I could do it by myself but too risky. too many of my friends lost all thinking they could make big money and have been hit by the crisis. They have lost most of their money. when market is based on a fraction of a second, better give this to professionals and have a good night sleep. I will not invest more(in stocks and bonds ) . better be safe than sorry. this is why I am asking you if there is a better and a safer way to invest. You have an account large enough for the bank to give you a personal manager? Why on earth are you asking the hacks at TV? Link to comment Share on other sites More sharing options...
lovelomsak Posted September 16, 2015 Share Posted September 16, 2015 my investments are in the European & USA market. little bit of commodities too like gold, silver... all my business is managed by a bank. I could do it by myself but too risky. too many of my friends lost all thinking they could make big money and have been hit by the crisis. They have lost most of their money. when market is based on a fraction of a second, better give this to professionals and have a good night sleep. I will not invest more(in stocks and bonds ) . better be safe than sorry. this is why I am asking you if there is a better and a safer way to invest. You have an account large enough for the bank to give you a personal manager? Why on earth are you asking the hacks at TV? I thought everyone had a personal manager.My bank gave me a personal manager probably because they want to handle my money in the best possible way that benefits the bank. Link to comment Share on other sites More sharing options...
SpokaneAl Posted September 16, 2015 Share Posted September 16, 2015 my investments are in the European & USA market. little bit of commodities too like gold, silver... all my business is managed by a bank. I could do it by myself but too risky. too many of my friends lost all thinking they could make big money and have been hit by the crisis. They have lost most of their money. when market is based on a fraction of a second, better give this to professionals and have a good night sleep. I will not invest more(in stocks and bonds ) . better be safe than sorry. this is why I am asking you if there is a better and a safer way to invest. What is your definition of safe? If it is to not loose any money, then you should be out of the markets and in a insured bank account. If it is a measure of volatility, what is your time frame? That is a different discussion. You mentioned investing in real estate. If you put it all in a single piece of property you may have decreased volatility while dramatically increasing your investment risk via substantially decreasing your diversification by putting all your eggs in a single basket. Link to comment Share on other sites More sharing options...
suzannegoh Posted September 16, 2015 Share Posted September 16, 2015 my investments are in the European & USA market. little bit of commodities too like gold, silver... all my business is managed by a bank. I could do it by myself but too risky. too many of my friends lost all thinking they could make big money and have been hit by the crisis. They have lost most of their money. when market is based on a fraction of a second, better give this to professionals and have a good night sleep. I will not invest more(in stocks and bonds ) . better be safe than sorry. this is why I am asking you if there is a better and a safer way to invest. You have an account large enough for the bank to give you a personal manager? Why on earth are you asking the hacks at TV? "Personal managers" are not always exclusive. Fidelity will assign you one if you have your retirement money with them but that personal manager will handle numerous customers in addition to you. Link to comment Share on other sites More sharing options...
lostoday Posted September 16, 2015 Share Posted September 16, 2015 my investments are in the European & USA market. little bit of commodities too like gold, silver... all my business is managed by a bank. I could do it by myself but too risky. too many of my friends lost all thinking they could make big money and have been hit by the crisis. They have lost most of their money. when market is based on a fraction of a second, better give this to professionals and have a good night sleep. I will not invest more(in stocks and bonds ) . better be safe than sorry. this is why I am asking you if there is a better and a safer way to invest. You have an account large enough for the bank to give you a personal manager? Why on earth are you asking the hacks at TV? "Personal managers" are not always exclusive. Fidelity will assign you one if you have your retirement money with them but that personal manager will handle numerous customers in addition to you. Not at banks. Private banks have personal bank managers. I know I have one. Link to comment Share on other sites More sharing options...
Pattaya46 Posted September 16, 2015 Share Posted September 16, 2015 Hi. Not sure why the OP says that stocks don't bring any money ? There is nice profits to be made on the SET even if it globally went down this year. By example, stocks JAS and GFPT just went up +15% in last 2 weeks Link to comment Share on other sites More sharing options...
itsmylife Posted September 16, 2015 Share Posted September 16, 2015 Is time to eye for china stock. Link to comment Share on other sites More sharing options...
gk10002000 Posted September 16, 2015 Share Posted September 16, 2015 as for personal managers, Etrade assigns you one once you get so much on deposit there. The guy called me today and I said I don't want anything. He says his advice is free, but yeah well I will seek my own counsel. I did write to Etrade and complained about this guy. He is in the Florida office. He knew how much I had in fixed income things and he wanted to talk about rising interest rates. I said my account details are none of his business, and now I am concerned about privacy and security. just how many people at Etrade have access to the details of my portfolio? Do they allow a lot of people to troll the customer's accounts, with who knows what in mind? Link to comment Share on other sites More sharing options...
amdy2206 Posted September 16, 2015 Share Posted September 16, 2015 Have a look at putting some cash - dollars or baht in Laos. Have some reasonable deals. And if you don't mind converting to Kip even better deals. The Laos banks all have similar interest rates but the foreign banks offer lower, obviously because they want to make more and 'presumably' more secure, but who knows. There are also some micro finance / savings deposit companies who lend short time to anyone who needs it, and if you are willing to risk some cash they have a passbook account which pays 8% a year, or fixed term for 2 years pays 16% a year, interest paid monthly into any Lao bank. It may not be what you are looking for but the rates are good, and although a risk I think a very small risk, but for those rates you can't expect more. Link to comment Share on other sites More sharing options...
whiteman Posted September 16, 2015 Share Posted September 16, 2015 oh the sky is falling sell all your stocks at the near bottom and buy back at the top and so it goes on and on Link to comment Share on other sites More sharing options...
kerrysum Posted September 16, 2015 Share Posted September 16, 2015 Buy a fleet of boats for when BKK sinks ?That would be my advise, you are in a losing situation. At least know what one has.... Better luck at humping a toad. Link to comment Share on other sites More sharing options...
suzannegoh Posted September 16, 2015 Share Posted September 16, 2015 Have a look at putting some cash - dollars or baht in Laos. Have some reasonable deals. And if you don't mind converting to Kip even better deals. The Laos banks all have similar interest rates but the foreign banks offer lower, obviously because they want to make more and 'presumably' more secure, but who knows. There are also some micro finance / savings deposit companies who lend short time to anyone who needs it, and if you are willing to risk some cash they have a passbook account which pays 8% a year, or fixed term for 2 years pays 16% a year, interest paid monthly into any Lao bank. It may not be what you are looking for but the rates are good, and although a risk I think a very small risk, but for those rates you can't expect more. Currency risk is an issue there. Getting 8 to 16 percent on Kip deposits would be good unless the value of the Kip declines by another 8 to 16 percent. Link to comment Share on other sites More sharing options...
csabo Posted September 16, 2015 Share Posted September 16, 2015 Try Lending Club. Peer 2 Peer investing. Been in 2 years. Steady at 7%. Fairly liquid. Link to comment Share on other sites More sharing options...
MANFROMBOCA Posted September 16, 2015 Share Posted September 16, 2015 Retirement Portfolio Allocation Stocks can be volatile, offering greater risks and rewards. Cash and fixed income tend to be safer bets, providing more modest returns. While it’s generally recommended that you take on a more conservative investing approach as you reach retirement, it will depend on your own unique circumstances and tolerance for risk. Use asset allocation models as guidelines to help you balance your need for income and growth. Moderate 5% Cash Investments including gold/silver 35% Fixed Income 60% Fixed Income Stock 45% U.S. 15% International Performance: 1970–20131Average Annual Return: 9.8%Best Year: 30.9%Worst Year: –20.9% Consider this if: You are age 60–69 You don't need current income You want solid growth with relative stability You can tolerate some fluctuations but considerably less than the overall stock market Moderately Conservative 10% Cash Investments 50% Fixed Income 40% Stock 30% U.S. 10% International Performance: 1970–20131Average Annual Return: 9.1%Best Year: 27.0%Worst Year: –12.5% Consider this if: You are age 70–79 You want current income and stability You want some opportunity to increase the value of your investments AND GO WITH AN “ETF” IF YOU ARE NOT STOCK SAVVY Link to comment Share on other sites More sharing options...
Pinot Posted September 16, 2015 Share Posted September 16, 2015 What's the worst thing you could do? Ummm...buy property on Thailand and expect to make money at it. Buying property in Thailand is always the wrong thing to do. Link to comment Share on other sites More sharing options...
Vagabond1 Posted September 16, 2015 Share Posted September 16, 2015 my investments are in the European & USA market. little bit of commodities too like gold, silver... all my business is managed by a bank. I could do it by myself but too risky. too many of my friends lost all thinking they could make big money and have been hit by the crisis. They have lost most of their money. when market is based on a fraction of a second, better give this to professionals and have a good night sleep. I will not invest more(in stocks and bonds ) . better be safe than sorry. this is why I am asking you if there is a better and a safer way to invest. You have an account large enough for the bank to give you a personal manager? Why on earth are you asking the hacks at TV? "Personal managers" are not always exclusive. Fidelity will assign you one if you have your retirement money with them but that personal manager will handle numerous customers in addition to you. Not at banks. Private banks have personal bank managers. I know I have one. Yes, you do. And that person acts as a personal manager for a number of clients. Link to comment Share on other sites More sharing options...
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