Investment opportunity's
Discussion
Morning all, very rarely post in here, so forgive me for lurking.
Me and O/H have some money we would like to use to invest, its not a huge amount,but still fairly substantial amount (5 figures)
we have a few ideas floating around, but i thought id present it to the PH massive to gain your thoughts about anything thats worthwhile investing,or getting into, and whether its worth splitting it across a few varying things or putting it all into one basket so to speak.
look forward to hearing your thoughts
Chris
Me and O/H have some money we would like to use to invest, its not a huge amount,but still fairly substantial amount (5 figures)
we have a few ideas floating around, but i thought id present it to the PH massive to gain your thoughts about anything thats worthwhile investing,or getting into, and whether its worth splitting it across a few varying things or putting it all into one basket so to speak.
look forward to hearing your thoughts
Chris
Edited by Misterv on Thursday 2nd March 11:17
Misterv said:
Morning all, very rarely post in here, so forgive me for lurking.
Me and O/H have some money we would like to use to invest, its not a huge amount,but still fairly substantial amount (5 figures)
we have a few ideas floating around, but i thought id present it to the PH massive to gain your thoughts as i know a lot on here invest etc.
look forward to hearing your thoughts
Chris
You didnt say anything Me and O/H have some money we would like to use to invest, its not a huge amount,but still fairly substantial amount (5 figures)
we have a few ideas floating around, but i thought id present it to the PH massive to gain your thoughts as i know a lot on here invest etc.
look forward to hearing your thoughts
Chris
Misterv said:
Morning all, very rarely post in here, so forgive me for lurking.
Me and O/H have some money we would like to use to invest, its not a huge amount,but still fairly substantial amount (5 figures)
we have a few ideas floating around, but i thought id present it to the PH massive to gain your thoughts as i know a lot on here invest etc.
look forward to hearing your thoughts
Chris
On what?Me and O/H have some money we would like to use to invest, its not a huge amount,but still fairly substantial amount (5 figures)
we have a few ideas floating around, but i thought id present it to the PH massive to gain your thoughts as i know a lot on here invest etc.
look forward to hearing your thoughts
Chris
I imagine the PH replies will fall into (at least) four camps:
(i) pay down your mortgage if you don't have prepayment penalties or a crazily low interest rate
(i) put it in your ISA and buy low-cost equity and fixed income index tracking funds
(iii) do BTL or commercial property
(iv) P2P lending, EIS, financial spread betting, Berry Bros wine plan, other left-field stuff
I'm in camps (i) and (ii) myself.
(i) pay down your mortgage if you don't have prepayment penalties or a crazily low interest rate
(i) put it in your ISA and buy low-cost equity and fixed income index tracking funds
(iii) do BTL or commercial property
(iv) P2P lending, EIS, financial spread betting, Berry Bros wine plan, other left-field stuff
I'm in camps (i) and (ii) myself.
NickCQ said:
I imagine the PH replies will fall into (at least) four camps:
(i) pay down your mortgage if you don't have prepayment penalties or a crazily low interest rate
(i) put it in your ISA and buy low-cost equity and fixed income index tracking funds
(iii) do BTL or commercial property
(iv) P2P lending, EIS, financial spread betting, Berry Bros wine plan, other left-field stuff
I'm in camps (i) and (ii) myself.
For anyone to provide any sort of meaningful answer, the OP will need to provide a lot more details!(i) pay down your mortgage if you don't have prepayment penalties or a crazily low interest rate
(i) put it in your ISA and buy low-cost equity and fixed income index tracking funds
(iii) do BTL or commercial property
(iv) P2P lending, EIS, financial spread betting, Berry Bros wine plan, other left-field stuff
I'm in camps (i) and (ii) myself.
Misterv said:
Morning all, very rarely post in here, so forgive me for lurking.
Me and O/H have some money we would like to use to invest, its not a huge amount,but still fairly substantial amount (5 figures)
we have a few ideas floating around, but i thought id present it to the PH massive to gain your thoughts about anything thats worthwhile investing,or getting into, and whether its worth splitting it across a few varying things or putting it all into one basket so to speak.
look forward to hearing your thoughts
Chris
You haven't told us anything about ur finances so none of can answer properly!Me and O/H have some money we would like to use to invest, its not a huge amount,but still fairly substantial amount (5 figures)
we have a few ideas floating around, but i thought id present it to the PH massive to gain your thoughts about anything thats worthwhile investing,or getting into, and whether its worth splitting it across a few varying things or putting it all into one basket so to speak.
look forward to hearing your thoughts
Chris
Edited by Misterv on Thursday 2nd March 11:17
For example if your a graduate with a 95% mortgage on a new build flat in Hull and zero savings in the bank the answer to your question will be different from someone who is 55 a high rate tax payer with a small mortgage and wants to retire early and a different answe to a young family with zero saving.
With the markets at highs the time has come around for husbands and wives to get on the same page regarding "getting a piece of the action".
No offence intended, but to start investing you must be aware of the situation at which you intend to enter. It's up.
A well diversified portfolio would normally hold at least half in your home market. in the form of an index (100 or 250) or managed fund.
Unfortunately in the UK managed funds suffer from higher expenses than the US so choices are limited.
Your other half (money not wife) should be split proportionally by market size, which currently creates immense problems for a Sterling investor.
The US markets are making US investors jittery, leaving Japan, Europe, emerging markets, Asia, emerging Europe and commodities....take your pick
I usually hold 5 to 8% in a contrarian position, the higher or more overpriced I consider the markets, the higher my contrarian position.
I take a similar view with my cash. I may lose a little on the "up" by holding higher cash during run ups, but I always try to make sure I'm in a position to act if I need to.
Spouses and investing.
I am lucky in that my wife "gets it", she doesn't say maybe we should sell every time the markets tanks, she now says has it dipped enough to get a bit more in.
With regard to alternative investments, without really good knowledge of the particular subject, they often do not produce the returns expected because of the buy/sell spread. They are also subject to whim and fancy....not a good time to off load the Van Gogh.
Inflation awareness could be the key to future success.
No offence intended, but to start investing you must be aware of the situation at which you intend to enter. It's up.
A well diversified portfolio would normally hold at least half in your home market. in the form of an index (100 or 250) or managed fund.
Unfortunately in the UK managed funds suffer from higher expenses than the US so choices are limited.
Your other half (money not wife) should be split proportionally by market size, which currently creates immense problems for a Sterling investor.
The US markets are making US investors jittery, leaving Japan, Europe, emerging markets, Asia, emerging Europe and commodities....take your pick
I usually hold 5 to 8% in a contrarian position, the higher or more overpriced I consider the markets, the higher my contrarian position.
I take a similar view with my cash. I may lose a little on the "up" by holding higher cash during run ups, but I always try to make sure I'm in a position to act if I need to.
Spouses and investing.
I am lucky in that my wife "gets it", she doesn't say maybe we should sell every time the markets tanks, she now says has it dipped enough to get a bit more in.
With regard to alternative investments, without really good knowledge of the particular subject, they often do not produce the returns expected because of the buy/sell spread. They are also subject to whim and fancy....not a good time to off load the Van Gogh.
Inflation awareness could be the key to future success.
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