# How to invest 10k while maintaining liquidity **URL:** \ **Category:** NYSpeed Off Topic\ **Created:** [January 14, 2009, 9:52am UTC](https://forums.speedlife.net/t/how-to-invest-10k-while-maintaining-liquidity/61313 "2009-01-14T09:52:18Z")\ **Posts on this page:** 20\ **Page:** 2
**Author:** ![Joe](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/joe/32/7219_2.png) [@Joe](https://forums.speedlife.net/u/Joe)\ **Post date:** [January 14, 2009, 2:07pm UTC](https://forums.speedlife.net/t/how-to-invest-10k-while-maintaining-liquidity/61313/21 "2009-01-14T14:07:11Z")
> [@misteroman$$$](#): > > Give it to Joe for a week and have 15!!! :lol: Only if I can run it through the CDCB process first to leverage it. ---
**Author:** ![Viper966](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/viper966/32/7268_2.png) [@Viper966](https://forums.speedlife.net/u/Viper966)\ **Post date:** [January 14, 2009, 2:08pm UTC](https://forums.speedlife.net/t/how-to-invest-10k-while-maintaining-liquidity/61313/22 "2009-01-14T14:08:53Z")
> [@theblue](#): > > ^^ > that’s genius. yea, i was gonna do it 2, but i didnt have the $$ to front to make it worthwhile some guys on OT made like 4-5k off of it with a couple ebay accounts ---
**Author:** ![Toda\_Party](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/toda_party/32/7354_2.png) [@Toda\_Party](https://forums.speedlife.net/u/Toda_Party)\ **Post date:** [January 14, 2009, 2:13pm UTC](https://forums.speedlife.net/t/how-to-invest-10k-while-maintaining-liquidity/61313/23 "2009-01-14T14:13:46Z")
> [@Johnnylude](#): > > Casino… triple it M-M-M-M-M-M-M-M-M-M-M-M-M-M-ONKAYYYYY!!! ---
**Author:** ![Fry](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/fry/32/7284_2.png) [@Fry](https://forums.speedlife.net/u/Fry)\ **Post date:** [January 14, 2009, 2:33pm UTC](https://forums.speedlife.net/t/how-to-invest-10k-while-maintaining-liquidity/61313/24 "2009-01-14T14:33:20Z")
> [@Joe](#): > > :lol: Only if I can run it through the CDCB process first to leverage it. I better get that BACROI control loop functioning… ---
**Author:** ![Minglor](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/minglor/32/7373_2.png) [@Minglor](https://forums.speedlife.net/u/Minglor)\ **Post date:** [January 14, 2009, 2:37pm UTC](https://forums.speedlife.net/t/how-to-invest-10k-while-maintaining-liquidity/61313/25 "2009-01-14T14:37:07Z")
Bacon. Always a sound investment. ---
**Author:** ![bing](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/bing/32/7211_2.png) [@bing](https://forums.speedlife.net/u/bing)\ **Post date:** [January 14, 2009, 2:45pm UTC](https://forums.speedlife.net/t/how-to-invest-10k-while-maintaining-liquidity/61313/26 "2009-01-14T14:45:45Z")
find something you can deal in, buy low, sell high. or in other words, take your $10k and start a business. ---
**Author:** ![theblue](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/theblue/32/5074_2.png) [@theblue](https://forums.speedlife.net/u/theblue)\ **Post date:** [January 14, 2009, 2:48pm UTC](https://forums.speedlife.net/t/how-to-invest-10k-while-maintaining-liquidity/61313/27 "2009-01-14T14:48:34Z")
how is he going to get the money back within 5 days that way? ---
**Author:** ![walter](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/walter/32/7202_2.png) [@walter](https://forums.speedlife.net/u/walter)\ **Post date:** [January 14, 2009, 2:55pm UTC](https://forums.speedlife.net/t/how-to-invest-10k-while-maintaining-liquidity/61313/28 "2009-01-14T14:55:03Z")
Develop rainy day savings, should be at least 2 months of full expenses for you (preferably 3 or more) before you start “investing”. Make sure your high interest loans are paid off, then: 1. Max out 401k match 2. IRA until maxed 3. Max out 401k Once you’ve done this, then pay off your low (non tax deductible) loans. Then you can start saving on a small scale to invest. That wasn’t really your question. Answer to your question is the savings account. Investing in the market (funds or stocks) these days will absolutely NOT guarantee that you can touch the money in the short term. Take a bad bounce and you won’t get it back for months or years without losses. If you don’t need as immediate access, then look in to a CD. Really if you just have $10k, and aren’t doing the above items though you shouldn’t be trying to max out your return really. ---
**Author:** ![Penfold](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/penfold/32/5007_2.png) [@Penfold](https://forums.speedlife.net/u/Penfold)\ **Post date:** [January 14, 2009, 3:27pm UTC](https://forums.speedlife.net/t/how-to-invest-10k-while-maintaining-liquidity/61313/29 "2009-01-14T15:27:26Z")
Savings account or staggered CD’s. ---
**Author:** ![Violator](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/violator/32/7278_2.png) [@Violator](https://forums.speedlife.net/u/Violator)\ **Post date:** [January 14, 2009, 8:12pm UTC](https://forums.speedlife.net/t/how-to-invest-10k-while-maintaining-liquidity/61313/30 "2009-01-14T20:12:41Z")
eTrade. I would (and have) buy stock now ---
**Author:** ![longuyen88](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/longuyen88/32/7611_2.png) [@longuyen88](https://forums.speedlife.net/u/longuyen88)\ **Post date:** [January 14, 2009, 8:15pm UTC](https://forums.speedlife.net/t/how-to-invest-10k-while-maintaining-liquidity/61313/31 "2009-01-14T20:15:46Z")
> [@walter](#): > > Develop rainy day savings, should be at least 2 months of full expenses for you (preferably 3 or more) before you start “investing”. Make sure your high interest loans are paid off, then: > > 1. Max out 401k match > 2. IRA until maxed > 3. Max out 401k > > Once you’ve done this, then pay off your low (non tax deductible) loans. > > Then you can start saving on a small scale to invest. > > That wasn’t really your question. > > Answer to your question is the savings account. Investing in the market (funds or stocks) these days will absolutely NOT guarantee that you can touch the money in the short term. Take a bad bounce and you won’t get it back for months or years without losses. If you don’t need as immediate access, then look in to a CD. > > Really if you just have $10k, and aren’t doing the above items though you shouldn’t be trying to max out your return really. 10k is my “investing” money. I am a student so I don’t get 401k. I don’t have any interest loans. My mortage is paid off. I don’t have any loans besides student loans which are all non-interest bearing. I guess there’s no other way other than the online savings? ---
**Author:** ![Maksim2000](https://avatars.discourse-cdn.com/v4/letter/m/dec6dc/32.png) [@Maksim2000](https://forums.speedlife.net/u/Maksim2000)\ **Post date:** [January 14, 2009, 8:31pm UTC](https://forums.speedlife.net/t/how-to-invest-10k-while-maintaining-liquidity/61313/32 "2009-01-14T20:31:01Z")
> [@longuyen88](#): > > 10k is my “investing” money. I am a student so I don’t get 401k. I don’t have any interest loans. My mortage is paid off. I don’t have any loans besides student loans which are all non-interest bearing. > > I guess there’s no other way other than the online savings? Well if your mortgage is paid off you can open a equity line of credit as long as you think you can beat the interest on that with the return from your investment. Once you do that you’d be free to invest your 10k over longer term… ---
**Author:** ![walter](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/walter/32/7202_2.png) [@walter](https://forums.speedlife.net/u/walter)\ **Post date:** [January 14, 2009, 8:40pm UTC](https://forums.speedlife.net/t/how-to-invest-10k-while-maintaining-liquidity/61313/33 "2009-01-14T20:40:07Z")
> [@longuyen88](#): > > 10k is my “investing” money. I am a student so I don’t get 401k. I don’t have any interest loans. My mortage is paid off. I don’t have any loans besides student loans which are all non-interest bearing. > > I guess there’s no other way other than the online savings? As a student I would hold on to it in savings right now. You don’t know what the future holds and it is better to keep the cash reserves than to risk the minimal gains on chasing greater gains. Lets not forget the lovely taxes we get to pay on “investments”. With the details in the thread I think you’d be best suited to hold the money now… save it as a down payment. Keep it in conservative forms and don’t worry about chasing big gains with it. Just my old $.04 ---
**Author:** ![boosting4me](https://avatars.discourse-cdn.com/v4/letter/b/5e9695/32.png) [@boosting4me](https://forums.speedlife.net/u/boosting4me)\ **Post date:** [January 14, 2009, 9:06pm UTC](https://forums.speedlife.net/t/how-to-invest-10k-while-maintaining-liquidity/61313/34 "2009-01-14T21:06:41Z")
> [@Johnnylude](#): > > Casino… triple it The casino Wasn’t built on winners ---
**Author:** ![Daddie](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/daddie/32/7621_2.png) [@Daddie](https://forums.speedlife.net/u/Daddie)\ **Post date:** [January 15, 2009, 4:30am UTC](https://forums.speedlife.net/t/how-to-invest-10k-while-maintaining-liquidity/61313/35 "2009-01-15T04:30:46Z")
Cash rules everything around me. Keeping cash is not the bad idea. Or, start a ponzi scheme with your friends. I mean. Nothing. ---
**Author:** ![ultradriver10000](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/ultradriver10000/32/7397_2.png) [@ultradriver10000](https://forums.speedlife.net/u/ultradriver10000)\ **Post date:** [January 15, 2009, 6:11am UTC](https://forums.speedlife.net/t/how-to-invest-10k-while-maintaining-liquidity/61313/36 "2009-01-15T06:11:29Z")
> [@longuyen88](#): > > 10k is my “investing” money. I am a student so I don’t get 401k. I don’t have any interest loans. My mortage is paid off. I don’t have any loans besides student loans which are all non-interest bearing. > > I guess there’s no other way other than the online savings? Start a 401K, generally speaking, every dollar you save between the ages of 20-25 turns into about ~42 dollars when you retire (retire goal for me is 55 or less) So I mean you could spend that 10K on a turbo for your civic, or have ~400,000 to retire with. ---
**Author:** ![j\_espo1](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/j_espo1/32/7291_2.png) [@j\_espo1](https://forums.speedlife.net/u/j_espo1)\ **Post date:** [January 15, 2009, 6:16am UTC](https://forums.speedlife.net/t/how-to-invest-10k-while-maintaining-liquidity/61313/37 "2009-01-15T06:16:37Z")
> [@Daddie](#): > > Cash rules everything around me. > > Keeping cash is not the bad idea. Or, start a ponzi scheme with your friends. I mean. Nothing. :lol: ---
**Author:** ![sureshot](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/sureshot/32/7578_2.png) [@sureshot](https://forums.speedlife.net/u/sureshot)\ **Post date:** [January 15, 2009, 6:24am UTC](https://forums.speedlife.net/t/how-to-invest-10k-while-maintaining-liquidity/61313/38 "2009-01-15T06:24:06Z")
:lol: @ this thread. Spend the 10k on a really fancy aquarium. ---
**Author:** ![Geehee](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/geehee/32/7238_2.png) [@Geehee](https://forums.speedlife.net/u/Geehee)\ **Post date:** [January 15, 2009, 6:25am UTC](https://forums.speedlife.net/t/how-to-invest-10k-while-maintaining-liquidity/61313/39 "2009-01-15T06:25:38Z")
make it rain at pharos. ---
**Author:** ![sureshot](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/sureshot/32/7578_2.png) [@sureshot](https://forums.speedlife.net/u/sureshot)\ **Post date:** [January 15, 2009, 6:26am UTC](https://forums.speedlife.net/t/how-to-invest-10k-while-maintaining-liquidity/61313/40 "2009-01-15T06:26:27Z")
> [@ultradriver10000](#): > > So I mean you could spend that 10K on a turbo for your civic, or have ~400,000 to retire with. RETIRING WITH $400,000k **$$BALLIN$$** [Previous page](https://forums.speedlife.net/t/how-to-invest-10k-while-maintaining-liquidity/61313.md?page=1) [Next page](https://forums.speedlife.net/t/how-to-invest-10k-while-maintaining-liquidity/61313.md?page=3)