£400,000 to Invest
Discussion
Having a similar question myself currently but about £240k
Gold - gamble
Classic Cars - not sure HMRC would take to this, must be careful regarding benefit in kind and also perhaps a gamble
Property - 5 to 7% returns look realistic plus capital appreciation minus mgmt fees. What we're currently looking at. Also could take on a a property with development potential
Wine - personally I'd steer well clear of unless I was a wine merchant and this was my business
Gold - gamble
Classic Cars - not sure HMRC would take to this, must be careful regarding benefit in kind and also perhaps a gamble
Property - 5 to 7% returns look realistic plus capital appreciation minus mgmt fees. What we're currently looking at. Also could take on a a property with development potential
Wine - personally I'd steer well clear of unless I was a wine merchant and this was my business
R77C said:
A fixed income fund that I have been working with for a while are producing 8.25% (fixed) p.a. at a 'very low risk' level and 12% variable with a 'low-medium' risk. With a 90-day liquity opportunity, I'd say this is well suited for company funds!
Nothing offering 8.25% will be 'very low risk' by any sensible definition. Sorry.DoubleSix said:
Nothing offering 8.25% will be 'very low risk' by any sensible definition. Sorry.
Hi DoubleSix, I appreciate your apprehension, however you have based your reply on absolutely no facts whatsoever. I am confident that if you even took a brief look over the fund it would make complete sense to you - especially given that I am guessing by your latter response that you have worked within the finance industry for many years like myself.
From my experience, an investment with no chance of losing initial capital (much like most fixed income investments) and proven fixed quarterly paid income compounded equals very low risk from any perception! Especially as I know that in the last 20 years no payment has ever been missed by the fund.
Any more information wanted please feel free to pm.
fido said:
Indeed. Even Greek 10yr Bonds only pay 6%! I'd be interested to see the constituents of this 'low risk' fund ..
Hi Fido, Again, appreciate your apprehension. if you PM your email address, I'll happily send some information to you to give you an idea how it works. I don't work for them in any way, I only introduce some of my clients now and again, but happy to make an intro if its interesting
Edited by R77C on Friday 15th August 14:39
R77C said:
DoubleSix said:
Nothing offering 8.25% will be 'very low risk' by any sensible definition. Sorry.
Hi DoubleSix, I appreciate your apprehension, however you have based your reply on absolutely no facts whatsoever. I am confident that if you even took a brief look over the fund it would make complete sense to you - especially given that I am guessing by your latter response that you have worked within the finance industry for many years like myself.
From my experience, an investment with no chance of losing initial capital (much like most fixed income investments) and proven fixed quarterly paid income compounded equals very low risk from any perception! Especially as I know that in the last 20 years no payment has ever been missed by the fund.
Any more information wanted please feel free to pm.
I am not apprehensive. However, you are right about one thing, I have worked in finance for many years.
Feel free to post up the fund and I, and no doubt others, will be happy to share thoughts on the level of risk one is taking on to achieve 8.25%
z4RRSchris99 said:
I presume its a capital protected note with a pretty suspect underlying, but you wouldnt get 90 day access.
mmm I was thinking some sort of structured product that our friend doesn't understand as fully as he should.But even so, our office tea boy understands risk/return to the extent that 8.25% simply isn't achievable without taking on significant risk.
DoubleSix said:
z4RRSchris99 said:
I presume its a capital protected note with a pretty suspect underlying, but you wouldnt get 90 day access.
mmm I was thinking some sort of structured product that our friend doesn't understand as fully as he should.But even so, our office tea boy understands risk/return to the extent that 8.25% simply isn't achievable without taking on significant risk.
CIS121 said:
Having a similar question myself currently but about £240k
Gold - gamble
Classic Cars - not sure HMRC would take to this, must be careful regarding benefit in kind and also perhaps a gamble
Property - 5 to 7% returns look realistic plus capital appreciation minus mgmt fees. What we're currently looking at. Also could take on a a property with development potential
Wine - personally I'd steer well clear of unless I was a wine merchant and this was my business
I can and will, if you like, sell you a small block of flats in Nottingham that will yield 8-9% gross. Gold - gamble
Classic Cars - not sure HMRC would take to this, must be careful regarding benefit in kind and also perhaps a gamble
Property - 5 to 7% returns look realistic plus capital appreciation minus mgmt fees. What we're currently looking at. Also could take on a a property with development potential
Wine - personally I'd steer well clear of unless I was a wine merchant and this was my business
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