depends on how long you want to keep the money invested and what type of returns/risk you are ok with. the market works pretty well for long term stuff but it can be tricky, just ask anyone who didn't transfer their money to bond funds and wanted to retire around now.

believe it or not cash value life insurance is great for long term conservative growth (15+ years) I would only purchase it from either NY life, Northwestern Mutual, or maybe Sun Life.

rental properties are another good investment but requires a bit of upkeep.
if you like risk see if you can find someone who is starting up a business(with a sound business plan of course) and lend it to them as capitol in return for share in the company.

 

Gold and silver, nothing else.

Stay away from buying rental properties. The market is going to undergo massive deflation, most likely in the 30-40% range across the board. IF, and I'd really shy away, if you really wanted to invest in rental units, it'd be smart to buy housing around upper-level universities/colleges and rent them to college kids. Off-campus housing is usually much cheaper than dorming and sought after, and the great part is....mom and dad are usually paying so it's safe income, although nothing is safe these days.

 

excellent ideas!

 

im 20 and that was my story a few months ago. 300k gives me a very good return in the market. get your foot in the door first, setup a good portfolio. dont play with enough to sink your ship. you only have to get rich once then you have to not loose it.

 

If I had 300K I would purchase businesses were my presence is not required except maybe a couple hours a week. Im looking to buy an automatic carwash and a laundromat to say a few. The important thing is to educate yourself on money and how to invest it like how financially savvy business people do.

Read Poor Dad, Rich Dad and start from there

 

Best Investment is YOU. Invest in yourself buddy. Look into Whole Life insurance. Depending on your age it's worthwhile.

 

im fairly young and a early investment paid off fairly well so i reinvested a good amt of $$ in land in Bangladesh + in banks there. Land there never declines in value + banks pay 7%. however, you have to know people; etc etc. So do w.e you can handle. Investments take management one way or another normally. Risk vs. Reward. personally id invest in foreign markets. But it takes plenty of research. No such thing as free $$

 

$300K???? Put it all in Chinese Auto parts makers, CAAS, SORL, CXDC, WATG, and CYD.

 

lol que? He has $300k in cash, and assuming he is young, no dependents. Why would he need life insurance?

 

There's a concept in finance known as "human capital": the ability of an individual to produce future income. It's an asset like any other and should be treated as such; for example, one's financial assets should be chosen to provide diversification against one's human capital. (This is the reason that owning a large investment in the stock of one's employer is a poor portfolio decision: the diversification benefit is nil.)

Human capital is greatest when one is young and diminishes until one retires, whereupon it's essentially zero (ignoring, for example, pensions). The purpose of life insurance is to insure one's human capital. Thus, the need for life insurance is greatest when one is young and diminishes until one retires, whereupon it's essentially zero.