Investment Ops?

[David1975]

Hi all,

Have some savings (approx 25-30K) that i have been thinking of investing somewhere a bit more investable than blowing it on another weekend toy.

Dont really have a mortgage to worry about so any investment advice would be greatly received. I dont want to make any "high risk" investments but will take reasonable risks for higher reward potential. At the mo its sat in a saving account with Natwest.

I am not really asking for hint and tips for the stock markets but possibly few suggestions of investments companies to talk to or types of investments..........i dont really know TBH????

Thanks in advance

David

[jamesuk28]

Given the current climate I would leave it in the bank and count myself lucky you have a cash reserve and min mortgage.

[shadowninja]

jamesuk28 said:

Given the current climate I would leave it in the bank and count myself lucky you have a bank that hasn't gone bankrupt.

EFA

[bosshog]

nows definitely not the time for investments. Keep you money and even spread it between banks to play super safe.

[AAT1981]

David1975 said:

Hi all,

Have some savings (approx 25-30K) that i have been thinking of investing somewhere a bit more investable than blowing it on another weekend toy.

Dont really have a mortgage to worry about so any investment advice would be greatly received. I dont want to make any "high risk" investments but will take reasonable risks for higher reward potential. At the mo its sat in a saving account with Natwest.

I am not really asking for hint and tips for the stock markets but possibly few suggestions of investments companies to talk to or types of investments..........i dont really know TBH????

Thanks in advance

David

I have a great idea for a investment............

Send me a cheque for £50 made payable to Mr E and I will send you a mail containing how you make your fortunes.

[pgilc1]

David1975 said:

Hi all,

Have some savings (approx 25-30K) that i have been thinking of investing somewhere a bit more investable than blowing it on another weekend toy.

Dont really have a mortgage to worry about so any investment advice would be greatly received. I dont want to make any "high risk" investments but will take reasonable risks for higher reward potential. At the mo its sat in a saving account with Natwest.

I am not really asking for hint and tips for the stock markets but possibly few suggestions of investments companies to talk to or types of investments..........i dont really know TBH????

Thanks in advance

David

A recession isnt really the time to be looking to make ad hoc investments. I'd stick it into the highest rate account you can and sit tight.

[Mr Beaumont]

Just buy a couple of cases of a good year Chateau Petrus, d'Yquem, Lepin, e.t.c, it is virtually impossible for a very good year of wine,from one of the top Cateaus to drop in value.

[wizzbilly]

its wrong time t be investing in most places if you do wish to there is few places.

theres only one place that i would be putting my money persnoly thats in diffrent banks to reduce the risk or under my bed in a fire proof safe lol

[ukvoyager.info]

Listen to all those doom merchants.

The best and most profitable time to invest is at the bottom of the slump. It does take some balls though!

[jeevescat]

ukvoyager.info said:

Listen to all those doom merchants.

The best and most profitable time to invest is at the bottom of the slump. It does take some balls though!

and a crystal ball to know if we've got to the bottom yet

[heyuk]

Buy a decent domain name or two, ideally with some natural traffic.

The domain name will earn its keep and rise in value nicely.

[jeff m]

jeevescat said:

ukvoyager.info said:

Listen to all those doom merchants.

The best and most profitable time to invest is at the bottom of the slump. It does take some balls though!

and a crystal ball to know if we've got to the bottom yet

Then trickle feed it in.
The bottom is just as difficult to judge as the top.

[bogie]

Im pretty much in the same boat, and playing it safe - max out the premium bonds and fingers crossed, the rest in a cash ISA or high interest savings account

[spikeyhead]

jeevescat said:

ukvoyager.info said:

Listen to all those doom merchants.

The best and most profitable time to invest is at the bottom of the slump. It does take some balls though!

and a crystal ball to know if we've got to the bottom yet

I've got a great new line of crystal balls in stock.

Palms and tarot also read if you cross my palm with gold, manganese, rhodium etc.

[mcflurry]

Mr Beaumont said:

Just buy a couple of cases of a good year Chateau Petrus, d'Yquem, Lepin, e.t.c, it is virtually impossible for a very good year of wine,from one of the top Cateaus to drop in value.

However, the temptation to drink a bottle or 2 may make that investment dwindle if it were to live in my cellar

[.. al]

David,

There is no simple answer - its going to depend on you. How soon might you need the cash in a hurry, how risk averse are you etc etc..

Cash/savings has been mentioned, but bear this in mind. With inflation realistically looking like it'll hit 5% before the end of the year, you'll possibly see the value of that 25k or so eroded due to inflation outstripping interest rates. You need to earn enough interest on your loot so that, after tax, what you're left with is AT LEAST equal to inflation. It may be that security is going to be more important to you, and that you are going to factor in a loss of say, a loss of a few hundred quid which will compensate for peace of mind.

Currently, the Consumer Price Index - which the government uses as the official measure of inflation - stands at 4.7%, while the Retail Price Index (which includes mortgage repayments) stands at 4.8%.

http://www.statistics.gov.uk/cci/nugget.asp?id=19

Banks and building societies right now do not just want your money – they NEED your money. That is why savings rates are at seven-year highs. The lack of liquidity in the internal lending market has forced them to increase savings rates in an attempt to attract money to help them to fund themselves. The BoE has offered more cash to them, so these rates won't be around for ever.

Shop around if you feel you need to park it all in cash, whatever the circumstances - Kaupthing Edge, ICICI and Anglo Irish are currently offering some good savings rates. Finally, take authorised advice before deciding. It might or it might not be independant, so bear that in mind, but it'll be free.

[David1975]

Thanks guys for your answers.

Fingers crossed.

[Horse_Apple]

pgilc1 said:

David1975 said:

Hi all,

Have some savings (approx 25-30K) that i have been thinking of investing somewhere a bit more investable than blowing it on another weekend toy.

Dont really have a mortgage to worry about so any investment advice would be greatly received. I dont want to make any "high risk" investments but will take reasonable risks for higher reward potential. At the mo its sat in a saving account with Natwest.

I am not really asking for hint and tips for the stock markets but possibly few suggestions of investments companies to talk to or types of investments..........i dont really know TBH????

Thanks in advance

David

A recession isnt really the time to be looking to make ad hoc investments. I'd stick it into the highest rate account you can and sit tight.

Highest rate usually means least secure. I.e. Icelandic banks were offering the highest rates until the other day.

Spread it around at least three banks (do not believe any of the hype about money being backed up to £50K as it mathmatically can't be). Make one of those institutions NS&I and keep a pile of cash for short term financing should you struggle to get access to funds at any point.

Work hard, slow spending and then just ride it out.

[man from UNCLE]

Vintage Guitars.

No, seriously.

Buy the right ones and you'll see a return of between 5 - 15% every year. It's been happening like that for the last 15 years.

If you want more proof/info, email me.

[Windsorphil]

Help support a start up by taking an equity position or convertable loan...I just happen to be in a round of fundraising...