02-20-2014, 09:30 AM
Hi Star! I'm in favor of gradual deployment unless there are screaming buys available. Cost averaging certainly makes a person feel better and helps offset the effects from bad timing on an initial purchase. In my opinion some of the REITs, including O, represent decent buys right now. While interest rate increases will hurt the share price, I think that it will be a many quarters and perhaps years before the fed is actually able to raise rates to any significant degree. Also, the REITs have already corrected quite a bit, in anticipation of rate changes. If I were a young investor, the cutoff for a DG type of stock, for me, would probably still be around 3% yield. I'm just not patient with very low starting yields for mature companies. So perhaps PG, KO, MCD, CLX, TGT would make the initial cut.
As far as what to accumulate, my feeling is to buy what represents the best value of the day, regardless of what tickers are held. Personally, I always keep a tracking portfolio of tickers of interest. When cash accumulates, I scan both holdings and tracking list to try and determine best current value.
On last thing, a word of caution, it is probably not a good idea to give such specific info related to income and savings. On line predators have way too much info about an individual even without giving fairly detailed into related to income and savings. I'm guilty of giving too much info on occasion, but am much more careful to give only percentages in posts. Your salary, for sure, has no impact on advice that this thread may yield. Perhaps consider editing that info out, and just refer to five figure savings to deploy. Give enough info to describe the situation, but no more than in necessary for such.
As far as what to accumulate, my feeling is to buy what represents the best value of the day, regardless of what tickers are held. Personally, I always keep a tracking portfolio of tickers of interest. When cash accumulates, I scan both holdings and tracking list to try and determine best current value.
On last thing, a word of caution, it is probably not a good idea to give such specific info related to income and savings. On line predators have way too much info about an individual even without giving fairly detailed into related to income and savings. I'm guilty of giving too much info on occasion, but am much more careful to give only percentages in posts. Your salary, for sure, has no impact on advice that this thread may yield. Perhaps consider editing that info out, and just refer to five figure savings to deploy. Give enough info to describe the situation, but no more than in necessary for such.
Alex