$100,000

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Any way thay gets you positive cashflow. Some are better than others, and it does matters that you manage risk (EG Kelly bet, know Bayes); but in the end the most important thing is getting a monthly check (EG dividends, apartments) instead of "value increase" (EG stock market, many index funds funds). You want he cash flow, because you will then be able to make small high risky investments regularly (EG crypto, small angel-investing, derivatives) without having to start from scratch if you lose. The man who only has a single bullet will be dead after his first shot, but the one that can try indefinitively for success will eventually hit the fat tails.

Edit: I am fascinated by the level of retardiness of many previous commenters. If you know nothing, don't post.
 
John Badman said:
How should I invest this money or play with it in the markets?
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Late but don't unless you have a clear plan. And if you have to ask here, you don't.

Whenever you invest money, the key is to know why and how. If you have 40k to invest, you need to think about your needs for liquidity in the future first.

For instance, it makes no sense to lock it up in stocks if you think you may need it. Obligations are nice and secure, have an expiration date. I would go for this.

Think about what you know about, and what your disposable income could be used for. The key to good investment is to know what the fuck you're investing in.

Otherwise, you're just going to get everybody else risk reward. Because that's what every other person with 50K on hand does.

If you don't know what you're doing, go the safe route. Don't seek for advice, they won't pay for it when it goes wrong, and they would invest themselves if they were right.
 
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There are annuity products that allow you to track an index fund while also protecting you from ever technically losing any value when the market dips. Your gains in a boom year will be slightly attenuated, but you get the security of only going up -- no chance of losing it all near retirement due to bad market conditions.

edit: Allianz Accumulation Advantage is one such product. I have an old family friend who does finance and helps me with this stuff. Might need a financial advisor to assist.
 
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If it’s not an SPIA it’s almost certainly a scam. Beware. It’s basically a very high load index fund. Dig deeply to learn how they can afford to have such wonderful salesmen.
 
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dvorak said:
There are annuity products that allow you to track an index fund while also protecting you from ever technically losing any value when the market dips. Your gains in a boom year will be slightly attenuated, but you get the security of only going up -- no chance of losing it all near retirement due to bad market conditions.
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reptile baht spaniard rid said:
If it’s not an SPIA it’s almost certainly a scam. Beware. It’s basically a very high load index fund. Dig deeply to learn how they can afford to have such wonderful salesmen.
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The best way to look at investment products like this, which seem to have appealing benefits, is to ask why someone would want to take the other side of that trade. Any kind of guarantee, insurance, or optionality needs to compensate the other side or they wouldn't be selling it.

Doesn't mean those "protected principal + interest" funds are outright scams, just that at best their returns have to be lower than the market average by a sufficient amount to cover the downside risk, pay the fund managers & marketing/sales, and leave a profit. And for some people that insurance is worth it, but if we're talking about a windfall which won't be needed for years, you're almost certainly better putting it in a near-zero cost total market fund, with no active manager to pay, and riding out any short term downsides.
 
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Donate all of it to the Kamala Harris Foundation to defeat Tr*mpist fascism
 
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