Where to invest retirement money?

[RiverRat1]

Now that I lost my job I need to put my Roth IRA money into something that can hopefully at least keep up with inflation. At least until things get better and I can afford to lose.

Any safe ideas? All I have ever done was trade high risk stocks up until now. I know most companies have funds to choose from through their 401ks but are there some good ones available to the general public also where you can buy in and out whenever you want, easily?

[hully1029]

A savings account. Hasn't failed me yet.

[rubydog]

Maybe roll it over into an an annuity that is tax qualified and give you a gaurantee..

[El Coyote]

If you take it out of the Roth don't you pay a penalty??

[rubydog]

If you take it out of the Roth don't you pay a penalty??

You can roll over from one tax qualified vehicle to another without penalty. You have to be cautious about where you roll it over too of the penalties are super stiff.

[Uncle Doug]

If you take it out of the Roth don't you pay a penalty??

You would only pay a penalty on gains over initial investment if with drawn. Most Roths have many of the same wide range of investment options. You could also move the Roth to an investment firm to manage.

I am the worst guy to ask as my Roth is still down below my investment price.

[RiverRat1]

I was hoping to leave it in the ROTH and maybe buy into a fund of some kind.

Maybe a triple leveraged ETF.. lol maybe not that one.

[twobittxn]

Index funds and leave it alone. It should be a long term view.

[RiverRat1]

Index funds and leave it alone. It should be a long term view.

You mean like buying SPY etc?

Thats what I was debating but was hoping for something a tad better. I do agree that once all this junk blows over and the new currency rate gets calculated in the DOW, S&P and markets in general will set new highs. But they sure as heck have not even come close to keeping up with inflation since 2007.

[Kingslayer]

Adult Industry... No joke

[Shane]

You mean like buying SPY etc?

Thats what I was debating but was hoping for something a tad better. I do agree that once all this junk blows over and the new currency rate gets calculated in the DOW, S&P and markets in general will set new highs. But they sure as heck have not even come close to keeping up with inflation since 2007.

When is a better time to buy any investment (stocks, real estate, gold, cattle, etc..)? When it has just had a record run and has appreciated astronomically, or when it has performed worse than it normally does and is cheap?

[TC]

you can invest it into my account if you really need a place!

[outlaw38]

Drug trade is booming

[RiverRat1]

When is a better time to buy any investment (stocks, real estate, gold, cattle, etc..)? When it has just had a record run and has appreciated astronomically, or when it has performed worse than it normally does and is cheap?

So which is it now? Markets are not that far away from all time highs really. 12% or so.

But what would you buy? Market indexes like SPY?

[SMOOTHboar]

You need to go to someone that does this for a living. Give them a lot more info than what you've allotted here and be happy that you did it.