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Citigroup Inc. Message Board

  • just99fun just99fun Dec 27, 2007 3:33 PM Flag

    ANY Knowledgeables here?

    OK, don't anyone go recommending themselves. But I was wondering if any of you honest types can save me some time and tell me of someone on this message board that seems to have a good grasp of the markets.

    I have roubly 640K to invest - about 250K in retirement accounts and 390K in bank accounts (mostly CDs and MM accounts).

    I want to get in the "game". Please recommend the most knowledgeable posters - don't recommend yourself!

    Probably just wasting my time, but what the heck....

    SortNewest  |  Oldest  |  Most Replied Expand all replies
    • Buy ACAS,AHT,HPT,HRP,NNN,C,HD,CMCSA and WMT. You'll get a better return and appreciation. Surrogate bonds with upside, growth and limited downside risk. You'll have to have some patience, but you'll be paid nicely while you wait.

    • You have 640K to invest. Contact financial advisors (at least 3)and get about 1 hr of free consultation (They will spend their time with you as they want your business). Then contact Fidelity and Charles Swab and feel them out. If their thinking matches with the consultation. Open a MM acct. Depending upon your age, expected time frame to get decent ROI, put (1) 20% in CD and Govt. Bonds. (2)40% in mutual funds auch as Fidelity, Vanguard which offer some funds with decent ROI. From the remainder, slowly start investing in at least 3 to 4 different sectors, after conducting your own research. Get a good book on investment from local library. SUbscribe to a business publication to keep current with the market, such as Barron's, (I have no personal interest in the publisher of this periodical, but the writers are well informed and most of the time know what they are doing.)

      Try not to do any of the following:

      1. Don't rely upon analysts' research reports. they tend to be incorrect many times as they write what their paymasters want them to write.
      2. Don't always believe the CEOs and CFOs of companies during their Quarterly reports, they tend to mislead people, think about Ex-MER CEO and EX-C CEO and of course Enron.
      3. Don't always believe the trade groups/associations say, such as Home Builders Association, that housing is forming a BOttom. It is Not and they are saying this for the last 6 months.
      4. DOn't play options, unless you know exactly what you are doing. It is easy to say you know your losses upfront, but why play that game, if you can get decent ROI from well established solid companies.
      5. Keep an eye on the company and the sector you invest in, so that you know what is happening to your money.

      Rememeber, in the market everyone is for himself. ALways be suspecious when something seems too good to be true; IT IS and it your money your are risking.

      GOOD LUCK.

    • Dec. 31 (Bloomberg) -- Defaults on privately insured U.S. mortgages rose 35 percent in November to a record, an industry report today showed, adding to evidence the U.S. housing slump is deepening.

      The number of insured borrowers falling more than 60 days late on payments jumped to 61,033 last month from 45,325 in November 2006, according to data from members of the Washington- based Mortgage Insurance Companies of America. The missed payments, often a prelude to foreclosure, represented a 2.9 percent increase from October.

    • Are you out of your mind asking this or any board for Knowledgeables in the field?? Any one can post their stocks and dont give a darn if you loose your money. Go with Charles Schwabb or other Groups and do get a brain scan for yourself!!!

    • Sit tight. Wait until market capitulates, and iy will be a horrendous capitulation. You will not have to wait long. Be sure your money markets have no exposure to banking issues (don't have more than FDIC isured deposit at any one bank).

    • Here's what I would recommend: If I were you, right now I would put my money in a MM account inside the brokerage company you want to use to trade stocks. I think the market will drop in the next few months, the psycology will kick in, people will think that what the Fed did was not enough,housing will still be going down, the economy will be even slower and people will start selling stocks, desperately trying to get out at any price, thats when you come in and start buying good companies, I believe even the good stocks in china will drop (Just because of the panic Im talking about, but China will keep growing just like it is now) I Think that we will be able to get good quality stocks at a much lower price than what we could get now, believe me Im bullish in the US economy, but in the next few months ahead things will deteriorate even more. So do not invest right now. Of course this is my point of view and it is what im doing with my money. I wish you, and whoever reads this the best in 2008

    • look at some utilities- ni has a nice dividend(4.7%), emerging market etf's(buy very little at this time). Look a the fertelizer stocks , they had a huge run so i would look for a pull back.
      some drugs to ease the pain- teva

      • 1 Reply to bell39
      • Buy a Peter Lynch book - easy read. Learn to trust yourself. Invest in what you know and are familiar with. If your kid comes home from school and says he wants a particular toy and you start looking and can't find it anywhere because they are all sold out, find out who makes it and do some research. Take note of the products that you use and what you like or dislike about them. Keep it simple.


    • you better find the right dog, go and read about dogs of dow , find out your best dog for the comming 3 years , for me I have found my best dogs : T , GE , AA and C. and every 3 months a get a lot of cash divided and travling all over the world, GOOD LUCK AND HAPPY 2008

    • Do you think you know what the "game" is? You might not.
      The game is to take all your money away from you a little bit at a time. A transfer of wealth from "you" the inexperienced investor, to the "house", the brokerage firms.
      Right now, you think you can "win", so you want into the game.
      Do you see why this makes you a "LOSER"???
      Here's two words that will characterize your experience over the next few years if you put your money into the stock market:
      1. Whipsaw
      2. Commissions
      3. Downgrades
      4. Earnings shortfall
      5. Losses

    • Buy all Citii, then you can retire next year.

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