You have $1,000,000. Invest it.

I think the answer to this question is dependent on your age. As I am 22 I would probably go quite heavy into equities and the rest in bonds, maybe 70/30 in favour of equities. I would want a well diversified portfolio so would either spend a long time drawing it up or just invest in index tracking ETFs.

To be well diversified I would probably use tracking ETFs for both equities and bonds, the decision would just be which ones to choose.

Of course for someone slightly older they probably don't want to go quite so heavy on equities and maybe settle for a more even split of bonds and equities but as I have so much time ahead of me being equity heavy seems like a good idea.

I don't have even 7$ to renew my domain and you are showing me 1000000$ box which is not mine and not real too. GRM

I'll use half the sum for intraday, weekday afternoon forex-trading, during the overlap hours that both Europe and NY are "open", limiting my position-size to a maximum of $10,000 (2%) per trade - so if I trade with a 25-pip stop-loss, I'll trade lot-sizes which equate to $400 per pip after dealing costs. (I don't mind telling you that I've never actually made a trade that size, or anywhere near it, at all.)

I'll invest the other $500,000 in up-market, residential, well-managed rental property (might stretch to two decent apartments, depending on location?) in non-Eurozone countries with stable economies and governments and in which the markets have already regained about 5% from their market-slump values.

Looking forward to seeing your plans for this lucre, Tom.

I looked at it this way. To be honest, I'd far rather see threads like this than "Where should I sell my six-letter .info domain-name?" (which somehow always turns out to be one for which I wouldn't, myself, have paid reg-fee.)

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If I add money to invest, I would work on my existing game site, buy a lot of traffic to it, sponsor many new games and buy additional game sites to create a game network.

Someone obviously disagrees, i see my post was nuked. If you can't beat them, join them....

Investment #1 : Happiness

I'm going to chip in a few investment ideas. My first one: Happiness!

My daughter, who's always been a kind, generous soul, began encouraging me this year to devote some of my time to charities. I'm a great believer in learning from others, and by listening to a precocious 14 year-old in this case, I was rewarded with a wealth of important knowledge. (Incidentally, her latest charity drive involves shaving away all of her beautiful locks to promote cancer awareness; I cringe at the thought, since dad's worry about bullying, but luckily she appears to be setting in motion a group hair shaving effort.) As a family, we do what we can, often devoting weekends to various causes.

So! Investment #1 : Happiness. Whoever said money doesn't buy happiness was either rich enough to make Bill Gates jealous or - and I'm betting this is more likely - had never been confronted with poverty. We live in a nice area, my family and I. I grew up here and, though I've left to be an expat on numerous occasions, I always return and I'm always happy that I did. It's home. But one of my problems is living in a sort of bubble. I spend most of my time around the house and around the marina here and when I do venture into town, I'm the type of guy (I think like most guys) who knows just what he wants, goes and gets it, then returns home. I hate waiting in line. Can't abide window shopping. And whoever invented eCommere - well, thank you very much, indeed.

Trouble is, bubble folk like myself, you miss stuff. And we're not talking the little stuff. Big stuff. You miss the poor guy sat in a shop doorway at the end of town, trying to keep warm by cuddling his bone-thin dog. You miss the young woman outside of Mark's playing a flute - and beautifully - and hoping to receive enough change not to go hungry, more hungry. You miss people, well-dressed people, who turn the other way when plaintive hands are reaching out. You miss a lot of big stuff like this. Oh, and it gets worse. When you sit on your can all day like me, and when the cupboards are full, you get to being obsessed about "staying in shape." And, not to blow my own trumpet, but I'm in killer shape for 39. Thing is, though - what a load of rubbish. Killer shape. Seriously, Tom. When you stand behind a counter and hand someone a plate of food and that someone has this thousand yard stare and you know that stare comes from more than being hungry but feeling hopeless and lost and in despair, when you do that, you understand how being in shape, killer shape (mostly, let it be known, to convince my daughter that I'm a local superhero; and, at 14, I don't think she believes me anymore), well, you understand the shallowness of it.

The bubble bursts.

So, my first investment suggestion, idea, whatever you want to call it: Find a way to make people happy.

It doesn't actually cost a million bucks of course (cups of coffee are cheap, so's a meal, so's a blanket) but a million bucks can make a major difference.

When I have it to spare, I'm going to put it to good use. I hope you will, too.

GRM

Before anyone else calls it: dibs on Alexa and Adrian as my financial advisers.

To say you folks know your stuff is like saying I know how to eat a donut in 10 seconds (the only way to eat them, and I can usually do it in 5).

Impressed, to say the least!

GRM

Good question. I would find something that would give a short term and long term passive income. Short term would probably be invest in rental properties or bankruptcies and fix them up for a profit. Long term would probably be a car dealership or restaurant as these are things people need & would almost certainly do well

I highly doubt many 12 year olds talk about investment strategies. In fact many people pay (significant) money to "professionals" to have this very same discussion (possible new WSO? ). Its just that the OP uses unrealistic figures for most of us, but it doesnt mean that the discussion itself is invalid.

In a forum about making money I'm shocked how many people appear to be against discussing investing said money they are attempting to make. Each to their own though, I guess.

Invest it into Forex market and get 10% monthly for a life.

So mission accomplished then

Buy a modest house and modest car. Nothing too fancy. Invest the rest and enjoy an early retirement.

However, if I was inclined to keep working, I would definitely move out of the online business space and start investing in Real Estate. Lots of money to be made in that market. Snapping up foreclosures and reselling, etc.

Real estate.

As I have a young wife and baby, I have to think...

90% in my project

If I had no family, I would invest 100% in my project.

Call me crazy, but that is really what I would do.

Whenever I earn money, I always go by David Ramsey 3/3/3 rule. Give 1/3, save 1/3, and spend 1/3. If I put 333,000 into a roth IRA at my age, I would retire with 7,500,000 at only 60! lol I would be set for my future and I could buy some cool things and help some people.

I would put percentage into real estate, percentage into high risk investment (stocks) percentage in lower risk (bonds, cds, mutual funds) , percentage in ira and percentage in IM Projects.

The 10 year T-bill is paying a measily 2.32%. Emerging markets, which have offered some of the highest yields are getting hit hard. This means your 70% stocks: 30% bonds portfolio is going to earn you an average nominal return of 7.5% over the long term if history repeats itself . That's not much with a million dollar portfolio. That's $75k which after taxes is $50-60k a year. Maybe if you want to retire in 35 years this is okay but who the hell wants to work a slave labor job for 35 years only to be a old person and finally get your freedom? While I do have a long term portfolio, I prefer to use a portion of my net worth in short term trading where the returns are a lot higher, so that I can enjoy my life now. Very few people make money in the short term but I have been doing well as a professional trader for 12 years. The key is to stay away from what everyone else is doing, because most people are wrong.

I'll spend it on a car repair shop. Most I see around here are a joke when it comes to customer service; they really don't see things from the customer's point of view. That's why they offer cheap coffee in plastic cups, when decent coffee and decent ceramic coffee cups are just a bit more expensive and shouldn't impact the budget at all. Not to mention they rarely explain to the customer in layman's terms what has happened to the car and what needs to be done.

I'd also try to get deals with local dealerships and get them to provide me with cars I can give to clients while their own cars are being repaired. I could do this by letting them advertise on the car with stickers. However, I'd like it more if I could buy a few affordable cars and not advertise all over them: it looks too tacky.

I'd also like to open a restaurant (an Italian one.) I don't agree with Alexa: those statistics more than likely include a lot of people who just wanted to open an restaurant, thinking it's a good idea, without finding an USP of any kind. I see these in my city all the time: they open up, offer basically the same thing, but charge more. No wonder they flop. But my Italian restaurant will be different.

One mil. Hum. Well first I'd invest in a case of Dom and have a lobster/crab dinner party to celebrate. In a few days after the effects of the Dom wore off..........

I'd invest some in some property I know of that will return well in a few years for various reasons....and I'd spend about 15 grand on improving it = would keep 4 acres for business and flip the rest (3 years). I would also try to buy it straight from WB with all rights so our gov couldn't confiscate it at will.

Then I'd take about 20 grand and play with penny stocks. Don't ask me which ones. I'd research that when I had the cash - I was taught how by my grandfather (a self made multi-millionare).

Then I'd be investing in metal processing plants, metals, REMs. I'd also buy out several gemstone claims I know of and open them as fee digs.

I'd also invest in an H3Tec Tricorder and the appropriate certifications and do some REM prospecting, too.

Probably 10 to 50 grand in a 7 account.

And, since Alexa's in here and would already know this, I'll tell the truth - I'd also be investing in a couple of awesome pairs of shoes and a matching outfit or two. Hey - I'm a chick. I need to have SOME primp out of that much cash, ya know?

Invest in Minecraft.

1 mil isn't enough? Really. And so you don't invest small amounts to build to that one mil - it just lands in your lap, right?

Oh that's right. That's what WSO's are for. Right.

Tell ya a secret. If you can't double small amounts of money, your mil dollar dreams aren't gonna go very far, either.

ahah )) It depends where you live, and what you can . Because money it not capabilities ) Personally, I live in Ukraine. And if I had a million there it very nice to make some fitness club or some nigth club and it will be very profitable here ... but it is too trite and uninteresting . I'll will collect all the little scientists who have no money to realize their projects and give them the opportunity to do it at my expense. It would be much more useful and this could make more money than anything else.

I'd buy $10 million life insurance policies on a bunch of old people and pay the premiums from the $1 million until they kick the bucket.

I'd buy two or three bread and butter single, family rental houses in traditionally strong rental
markets.

Owning an auto repair facility/transmission or engine rebuilder does have some interest
as I could run those very well. I like to think so anyway.

I'd stay away from the restaurant business as it is very risky. Also, a small place has to be
owner operated and takes a lot of time and you have to love, love, love the business.
A place large enough to be absentee owned would be tough to open and budget with
reserves with that $1,000,000.

A tip though, if you are interested in buying a restaurant, look for one that went out of
business but was nicely built before they went under. Where I used to live, an upscale
bedroom community near Denver, CO, there is a high end restaurant that the first owner
really built well with investors. She had a high level corporate background and had always
wanted to own a restaurant - but never really worked in one. Six months later, the second
owners, who had a strong, strong restaurant background, bought that property for about a
third of what the first owner spent.

On a serious note though, I'd jump into real estate. Areas where town houses and condo's rent for $1200+ but can be purchased for under $100K - pick up a few of those cash, rent them out for 5-10 years, then flip.

In the past we have had some darn good tenants, so it was not worth raising the rent and trying to get a different tenant. You don't know what you're going to get. Appreciation and keeping the property in
good shape was enough for the couple of properties I owned or managed for my Mom.

In Colorado, we have some HOA fees that are really high (hail and snow removalcoverage?) and SFR's seem to appreciate more overall in general.

Just goes to show investors to know the territory of where they buy. (It's a bit tiring to see the real estate gurus talking about how they buy property anywhere without seeing it.)