No Profanity *** No Flaming *** No Advertising *** No Anti Trappers ***
No Non-Target Catches *** No Links to Anti-trapping Sites *** No Avoiding Profanity Filter


Home~Trap Talk~ADC Forum~Trap Shed~Wilderness Trapping~International Trappers~Fur Handling

Auction Forum~Trapper Tips~Links~Gallery~Basic Sets~Convention Calendar~Chat~ Trap Collecting Forum

Trapper's Humor~Strictly Trapping~Fur Buyers Directory~Mugshots~Fur Sale Directory~Wildcrafting~The Pen and Quill

Trapper's Tales~Words From The Past~Legends~Archives~Kids Forum~Lure Formulators Forum~ Fermenter's Forum


~~~ Dobbins' Products Catalog ~~~


Minnesota Trapline Products
Please support our sponsor for the Trappers Talk Page - Minnesota Trapline Products


Print Thread
Hop To
Page 1 of 2 1 2
ROI ? #7582003
05/11/22 01:23 PM
05/11/22 01:23 PM
Joined: Dec 2008
Posts: 3,928
Yukon
Y
yukon254 Offline OP
trapper
yukon254  Offline OP
trapper
Y

Joined: Dec 2008
Posts: 3,928
Yukon
What do you investor pro's expect for a rate of return on your investments in terms of % ? Does 5% sound decent ? Talked to a financial guy the other day that was highly recommended by some people I know. He said he can almost guarantee a 5% return.


do unto others as you would have them do unto you

www.grizzlycreeklodge.com
Re: ROI ? [Re: yukon254] #7582009
05/11/22 01:30 PM
05/11/22 01:30 PM
Joined: Mar 2007
Posts: 33,416
McGrath, AK
W
white17 Offline

"General (Mr.Sunshine) Washington"
white17  Offline

"General (Mr.Sunshine) Washington"
W

Joined: Mar 2007
Posts: 33,416
McGrath, AK
Did he say over what time period and with what degree of risk ?


Mean As Nails
Re: ROI ? [Re: white17] #7582016
05/11/22 01:36 PM
05/11/22 01:36 PM
Joined: Dec 2008
Posts: 3,928
Yukon
Y
yukon254 Offline OP
trapper
yukon254  Offline OP
trapper
Y

Joined: Dec 2008
Posts: 3,928
Yukon
Originally Posted by white17
Did he say over what time period and with what degree of risk ?


He said low risk, but we didnt really get into the time....I just assumed he meant long term because we were talking about a retirement sort of income?

My thinking was say I invest 500k with a 5% annual return it would make about 25,000 a year or around $2000 a month ??


do unto others as you would have them do unto you

www.grizzlycreeklodge.com
Re: ROI ? [Re: yukon254] #7582019
05/11/22 01:42 PM
05/11/22 01:42 PM
Joined: Mar 2007
Posts: 33,416
McGrath, AK
W
white17 Offline

"General (Mr.Sunshine) Washington"
white17  Offline

"General (Mr.Sunshine) Washington"
W

Joined: Mar 2007
Posts: 33,416
McGrath, AK
I guess I should have asked a better question. Was he talking about 5% annualized return over a period of say 10-20 years ?

Let's say the numbers you posted actually work out......can you withdraw that 25K per year ?

What is the annual cost of the investment ? So would that 5% be net after costs or gross before management fees ?

In this environment I would be hesitant to believe anyone who uses the word 'guarantee" or "almost guarantee."

If this is an annuity.............you already know my personal feelings on that.

One last thought..........how much will it cost you to get out of his investment ?


Mean As Nails
Re: ROI ? [Re: yukon254] #7582025
05/11/22 01:57 PM
05/11/22 01:57 PM
Joined: Mar 2009
Posts: 1,086
Akron, Ohio
bass10 Offline
trapper
bass10  Offline
trapper

Joined: Mar 2009
Posts: 1,086
Akron, Ohio
5% is a good number, your thoughts of taking out $25K a year on $500K is pretty safe thinking. Of course some years you may make 7% on that and others maybe 3% but should be able to safely average 5%
over a time period.


"The more people I meet the more I love my dog!"
Re: ROI ? [Re: yukon254] #7582027
05/11/22 02:00 PM
05/11/22 02:00 PM
Joined: May 2010
Posts: 578
ND
DakotaBoy Offline
trapper
DakotaBoy  Offline
trapper

Joined: May 2010
Posts: 578
ND
Over the last year my 401k has a -16% ROI, so I'd be plumb happy with a +5% return!! Thanks sleepy Joe!

Last edited by DakotaBoy; 05/11/22 02:00 PM.

"Pretty cocky for a starving pilgrim!"
"An elk don't know how many legs a horse has!"
Re: ROI ? [Re: white17] #7582033
05/11/22 02:14 PM
05/11/22 02:14 PM
Joined: Dec 2008
Posts: 3,928
Yukon
Y
yukon254 Offline OP
trapper
yukon254  Offline OP
trapper
Y

Joined: Dec 2008
Posts: 3,928
Yukon
Originally Posted by white17
I guess I should have asked a better question. Was he talking about 5% annualized return over a period of say 10-20 years ?

Let's say the numbers you posted actually work out......can you withdraw that 25K per year ?

What is the annual cost of the investment ? So would that 5% be net after costs or gross before management fees ?

In this environment I would be hesitant to believe anyone who uses the word 'guarantee" or "almost guarantee."

If this is an annuity.............you already know my personal feelings on that.

One last thought..........how much will it cost you to get out of his investment ?


Ken, no this is not an annuity. His feelings on those mirrored yours. Actually he said they were not even an option.

The way i understood it was that the 5% would be net after costs. This same fellow set my sister and her husband up. They wanted to have about $4500 a month coming in when they retired. That included a small pension and CPP, plus their investments which came to about 350k. I didnt ask about the cost of getting out! Good question that I will ask.


do unto others as you would have them do unto you

www.grizzlycreeklodge.com
Re: ROI ? [Re: yukon254] #7582044
05/11/22 02:20 PM
05/11/22 02:20 PM
Joined: Mar 2007
Posts: 33,416
McGrath, AK
W
white17 Offline

"General (Mr.Sunshine) Washington"
white17  Offline

"General (Mr.Sunshine) Washington"
W

Joined: Mar 2007
Posts: 33,416
McGrath, AK
Good luck. So many variables to consider !


Mean As Nails
Re: ROI ? [Re: white17] #7582057
05/11/22 02:45 PM
05/11/22 02:45 PM
Joined: Dec 2008
Posts: 3,928
Yukon
Y
yukon254 Offline OP
trapper
yukon254  Offline OP
trapper
Y

Joined: Dec 2008
Posts: 3,928
Yukon
Originally Posted by white17
Good luck. So many variables to consider !



Well, like I said before, Im not very knowledgable about investments, but its a tough sell when I can make more with a piece of property than I can by selling it!


do unto others as you would have them do unto you

www.grizzlycreeklodge.com
Re: ROI ? [Re: yukon254] #7582059
05/11/22 02:47 PM
05/11/22 02:47 PM
Joined: Mar 2007
Posts: 33,416
McGrath, AK
W
white17 Offline

"General (Mr.Sunshine) Washington"
white17  Offline

"General (Mr.Sunshine) Washington"
W

Joined: Mar 2007
Posts: 33,416
McGrath, AK
That's a great point !


Mean As Nails
Re: ROI ? [Re: yukon254] #7582086
05/11/22 03:31 PM
05/11/22 03:31 PM
Joined: May 2011
Posts: 1,273
Kansas
K
Kansas Cat Offline
trapper
Kansas Cat  Offline
trapper
K

Joined: May 2011
Posts: 1,273
Kansas
Depending on the property, that is not always easy to do. You need to think outside the box. One thing to keep in mind when selling a property is to assign some value to the mineral estate.

Re: ROI ? [Re: yukon254] #7582087
05/11/22 03:34 PM
05/11/22 03:34 PM
Joined: May 2011
Posts: 1,273
Kansas
K
Kansas Cat Offline
trapper
Kansas Cat  Offline
trapper
K

Joined: May 2011
Posts: 1,273
Kansas
I think we may see property prices correct. I think even more than higher interest rates would indicate.

Re: ROI ? [Re: Kansas Cat] #7582090
05/11/22 03:42 PM
05/11/22 03:42 PM
Joined: Dec 2008
Posts: 3,928
Yukon
Y
yukon254 Offline OP
trapper
yukon254  Offline OP
trapper
Y

Joined: Dec 2008
Posts: 3,928
Yukon
Originally Posted by Kansas Cat
Depending on the property, that is not always easy to do. You need to think outside the box. One thing to keep in mind when selling a property is to assign some value to the mineral estate.



What is "mineral estate"? The property I have are all part of my business except a couple of 5 acre parcels, so I know what i can make with them from year to year. The problem is I have to work for that money! I cant just sit around and collect a check.


do unto others as you would have them do unto you

www.grizzlycreeklodge.com
Re: ROI ? [Re: yukon254] #7582121
05/11/22 04:58 PM
05/11/22 04:58 PM
Joined: Dec 2006
Posts: 9,670
East-Central Wisconsin
B
bblwi Offline
trapper
bblwi  Offline
trapper
B

Joined: Dec 2006
Posts: 9,670
East-Central Wisconsin
What are the income streams coming off the 500K? Are they all capital gain or are some regular or qualified dividends and or interest? Capital gains federally are taxed at a cap of 15% and with lower incomes much lower. Dividends and inerest are taxed at the income tax rates of 12% 22% etc. I don't know where the interest or cash returns will go in the coming 1-2 years but someone stating 5% almost for certain has most of your funds in securities that have moderate to high risk which is not an issue for many over a 20-35 year growth time period, but not such a good deal when pulling out for living needs in retirement. I know persons who needed to take out monies to live on during the 2008-2009 down turn and taking out 20K on 500K is one thing, taking out 20K on 300K is another thing for sure. Also are you willing or wanting to lower your principal each year for say 20 years or so and have little left or do you want to maintain a higher principal and live off the earnings for the most part?

I know some planners advise investors to say take what they feel they will need for say 5 years and put that sum in a fairlly secure or stable investment and let the rest of the portfoliio be exposed to higher risks and hopefully more growth.
We have done that and don't need to be taking out funds from our securities that are now down about 15-20%.
Bryce

Re: ROI ? [Re: bblwi] #7582132
05/11/22 05:16 PM
05/11/22 05:16 PM
Joined: Dec 2008
Posts: 3,928
Yukon
Y
yukon254 Offline OP
trapper
yukon254  Offline OP
trapper
Y

Joined: Dec 2008
Posts: 3,928
Yukon
Originally Posted by bblwi
What are the income streams coming off the 500K? Are they all capital gain or are some regular or qualified dividends and or interest? Capital gains federally are taxed at a cap of 15% and with lower incomes much lower. Dividends and inerest are taxed at the income tax rates of 12% 22% etc. I don't know where the interest or cash returns will go in the coming 1-2 years but someone stating 5% almost for certain has most of your funds in securities that have moderate to high risk which is not an issue for many over a 20-35 year growth time period, but not such a good deal when pulling out for living needs in retirement. I know persons who needed to take out monies to live on during the 2008-2009 down turn and taking out 20K on 500K is one thing, taking out 20K on 300K is another thing for sure. Also are you willing or wanting to lower your principal each year for say 20 years or so and have little left or do you want to maintain a higher principal and live off the earnings for the most part?

I know some planners advise investors to say take what they feel they will need for say 5 years and put that sum in a fairlly secure or stable investment and let the rest of the portfoliio be exposed to higher risks and hopefully more growth.
We have done that and don't need to be taking out funds from our securities that are now down about 15-20%.
Bryce


I honestly cant answer many of your questions. I know he believes in mutual funds so I assume thats where he would put the money ? My idea was to live off the earnings not lower the principal. I have other property I could sell for quite a bit more should I need too, but Im not much of a gambler. I guess I thought 500k would earn more than it apparently will because I make a lot more off the property than 5% of its value.


do unto others as you would have them do unto you

www.grizzlycreeklodge.com
Re: ROI ? [Re: yukon254] #7582151
05/11/22 06:23 PM
05/11/22 06:23 PM
Joined: Aug 2011
Posts: 36,666
james bay frontierOnt.
B
Boco Offline
trapper
Boco  Offline
trapper
B

Joined: Aug 2011
Posts: 36,666
james bay frontierOnt.
5% would be fairly good for a GIC locked in for 5 years.
You can take intrest out monthly.
I been doing that for about 20 years until recently.
Have to pay tax on the intrest you take out.It will not be much unless you have other income and it puts you in a higher tax bracket.
I like GIC,even though they are lower intrest there is no risk similar to a gov't bond only higher intrest than a bond..
They are good if you are investing a trust fund for someone else that you dont want to expose to risks.
Most younger people starting out will want something that yeilds more to be re invested and not taken out while they are earning to minimize tax liability.

The way things are going you may want to hold off for a bit-intrest rates are on the way up.

Last edited by Boco; 05/11/22 06:27 PM.

Forget that fear of gravity-get a little savagery in your life.
Re: ROI ? [Re: Boco] #7582188
05/11/22 07:25 PM
05/11/22 07:25 PM
Joined: Dec 2008
Posts: 3,928
Yukon
Y
yukon254 Offline OP
trapper
yukon254  Offline OP
trapper
Y

Joined: Dec 2008
Posts: 3,928
Yukon
Originally Posted by Boco
5% would be fairly good for a GIC locked in for 5 years.
You can take intrest out monthly.
I been doing that for about 20 years until recently.
Have to pay tax on the intrest you take out.It will not be much unless you have other income and it puts you in a higher tax bracket.
I like GIC,even though they are lower intrest there is no risk similar to a gov't bond only higher intrest than a bond..
They are good if you are investing a trust fund for someone else that you dont want to expose to risks.
Most younger people starting out will want something that yeilds more to be re invested and not taken out while they are earning to minimize tax liability.

The way things are going you may want to hold off for a bit-intrest rates are on the way up.



Yes I think you are right. Interest rates are for sure going to go up. Good time to have no debt.


do unto others as you would have them do unto you

www.grizzlycreeklodge.com
Re: ROI ? [Re: yukon254] #7582255
05/11/22 08:51 PM
05/11/22 08:51 PM
Joined: Jan 2020
Posts: 2,898
Aliceville, Kansas 42
Yukon John Offline
trapper
Yukon John  Offline
trapper

Joined: Jan 2020
Posts: 2,898
Aliceville, Kansas 42
You best wait for jaybird's post, before doing anything rash!


Act like a blank, get treated like a blank. Insert your own blank!
Re: ROI ? [Re: yukon254] #7582270
05/11/22 09:07 PM
05/11/22 09:07 PM
Joined: Oct 2010
Posts: 297
Manitoba Canada
Mont Offline
trapper
Mont  Offline
trapper

Joined: Oct 2010
Posts: 297
Manitoba Canada
You answered your own question with this statement.

" I guess I thought 500k would earn more than it apparently will because I make a lot more off the property than 5% of its value."

tell financial guy thanks but no thanks and invest in more land....invest in yourself.


McKenzie Outfitters
204-824-2440
info@mckenzieoutfitters.ca
www.mckenzieoutfitters.ca
Re: ROI ? [Re: yukon254] #7582370
05/11/22 10:33 PM
05/11/22 10:33 PM
Joined: Jan 2007
Posts: 3,195
Northern Nevada, 31 yrs old
B
Bob Offline
trapper
Bob  Offline
trapper
B

Joined: Jan 2007
Posts: 3,195
Northern Nevada, 31 yrs old
No. 5% sucks. A GOOD financial advisor would have you making double that or more.


"I have two guns, one for each of ya."
Page 1 of 2 1 2
Previous Thread
Index
Next Thread