Where to invest £250k for 1 year.

[sidicks]

cymtriks said:

Yes.

However I doubt that renting out a property is a one year activity either. Allowing for time to buy, do up, advertise, etc and then allowing for reversing the process to get the money liquid again you are not looking at 12 months rental income. Also there are the costs of setting up and then selling up to take into account.

I would guess that property rental, from cash to cash, over just one year is a pretty bad idea.

Yes, like so much of the 'advice' handed out on this forum.

[FredClogs]

sidicks said:

Totally wrong.

1-year gilts are yielding less than many savings accounts and longer dated bonds have a significant risk of losing money over the next year.

I dunno, I think you'd be better with something like this than saving cash the rates are going to rocket up in the next few months. What's the best you can get for saving cash?

https://www.trustnet.com/Factsheets/Factsheet.aspx...

[sidicks]

FredClogs said:

I dunno, I think you'd be better with something like this than saving cash the rates are going to rocket up in the next few months. What's the best you can get for saving cash?

https://www.trustnet.com/Factsheets/Factsheet.aspx...

The OP has a 1-year time horizon and can't afford any risk to capital. Equity is entirely inappropriate.

[rfisher]

I'm feeling a subliminal 'pay for professional advice' subtext from those posters who are in the business of finance.

I therefore have to presume that there are suitable options to safely invest £250k for 1 year, but they 'ain't gonna tell us.

Which I guess is ok.

At least they are saying what not to invest in.

[sidicks]

rfisher said:

I'm feeling a subliminal 'pay for professional advice' subtext from those posters who are in the business of finance.

I therefore have to presume that there are suitable options to safely invest £250k for 1 year, but they 'ain't gonna tell us.

Which I guess is ok.

At least they are saying what not to invest in.

Not my business. But people have been quite explicit that if you can't risk capital then a savings account is the only credible option. No fee require.

Not sure what else you expect?

[FredClogs]

sidicks said:

FredClogs said:

I dunno, I think you'd be better with something like this than saving cash the rates are going to rocket up in the next few months. What's the best you can get for saving cash?

https://www.trustnet.com/Factsheets/Factsheet.aspx...

The OP has a 1-year time horizon and can't afford any risk to capital. Equity is entirely inappropriate.

"without too much risk" is what the op said, he's talking about btl, he can't have a zero risk to investing and must be prepared to chunk out a large fee to get into his investment.

How tight are your Y front sidicks?

[sidicks]

FredClogs said:

"without too much risk" is what the op said, he's talking about btl, he can't have a zero risk to investing and must be prepared to chunk out a large fee to get into his investment.

How tight are your Y front sidicks?

4 of the 7 negative years have more than 10% capital loss. 2 of them show a loss of more than 20%. 1 shows a native return of more than 30%. And cherry picking annual periods would give a much higher number of negative scenarios.

And you think this is 'without too much risk' Regardless, it's nothing like what you were claiming.

I'll leave that for the OP to decide.

Edited by sidicks on Sunday 19th February 20:07

[Yipper]

Zingari said:

Yipper said:

Private education is far superior to public education.

As a product of such an education system I'd tend to disagree. It comes down to two types at these places; parents who want the best education AND the kid buys into it so works hard, and then parents who have the money and throw their off-spring into the system for the status. During my A level years there was one kid who stayed on just to do Art, not because he could paint but it kept him out of the way for 2yrs before he could go into the family business. If his work ethic was anything to go by I suspect the business folded not long after he took over!

Look at the performance of local state schools, be realistic about the ability/potential/commitment of your kids and then decide.

You are a sample of one. And arguing for the sake of it.

The British state education system is sh*t. Among the worst in the developed world. It should be avoided at all costs.

Privately educated people in the UK earn more, live longer and achieve higher status. For example, a private 35yo earns +40% more than a public 35yo. Going to private school is like night and day.

http://www.bbc.co.uk/news/education-28125416

Anyone who has 250k spare and sends their offspring to a state school needs a checkup from the neckup.

[sidicks]

Yipper said:

You are a sample of one. And arguing for the sake of it.

The British state education system is sh*t. Among the worst in the developed world. It should be avoided at all costs.

Privately educated people in the UK earn more, live longer and achieve higher status. For example, a private 35yo earns +40% more than a public 35yo. Going to private school is like night and day.

http://www.bbc.co.uk/news/education-28125416

Anyone who has 250k spare and sends their offspring to a state school needs a checkup from the neckup.

I disagree.

It very much depends on what public schools you have access to and what sort of individual you are.

I think that public school educated people often tend to be more mature / more rounded individuals when they leave school.

Smaller class sizes probably help too, but (unless the school is useless) then the best students will do ok no matter what type of school they are in.