Where to invest 100k for 3 years?
Discussion
ELUSIVEJIM said:
You may mock but I know how my investments in this area has given fantastic returns.
And yes you can definitely make a profit if you buy right.
It's not hard with a bit of knowledge.
I presume would would invest in shares??
Of course you ‘could’ make a profit, but it’s very risky and entirely the wrong thing for the OP’s circumstances.And yes you can definitely make a profit if you buy right.
It's not hard with a bit of knowledge.
I presume would would invest in shares??
If it really isn’t hard ‘with a bit of knowledge’, why don’t you do whisky trading as a full time career?
otherman said:
Peer to peer lending might do it. You're capital is at risk, [¥b]but not that much of it[/b], and you can spread accross lots of loans.
The housecrowd looks a good bet at the moment, their auto invest product is all backed by property and pays 7%. You can't get the money out for 12 months then two months notice after that.
Or maybe thin cats. £1000 minimum investment so you can spread wide with that, but it keeps out the small players.
Normally 100% of your capital is at risk, why do you think otherwise?The housecrowd looks a good bet at the moment, their auto invest product is all backed by property and pays 7%. You can't get the money out for 12 months then two months notice after that.
Or maybe thin cats. £1000 minimum investment so you can spread wide with that, but it keeps out the small players.
cashmax said:
Perhaps worth looking at the kick out plan FTSE based structured products from the likes of Investec or Morgan Stanley.
6-8% annual growth is normal, pretty low risk, but capital can be reduced if you get unlucky.
Normally these have high fees built in making them relatively poor value.6-8% annual growth is normal, pretty low risk, but capital can be reduced if you get unlucky.
James_B said:
You seem to be taking what has happened in the past and making the mistake of assuming that it must also happen in the future. You may as well say that you should always bet your house on Brighton bearing Manchester United. That works well if you go by recent history, but it’s not likely to be a winning bet for long.
As I said, there is a reason that financial advice is regulated in the U.K., and posts like yours show why. You have no way of knowing what the future holds for such a niche invest,net, yet are happy to outright promise that a profit will be made, without even a hint of a warning about the risk.
And yes, I do invest in shares. I am in the fortunate position of being a trader in an investment bank, and know enough that I would never, ever pretend that a speculative investment was a guaranteed winner.
Apologies if this seems a bit harsh, but your advice was ill-considered, and foolish, and I wouldn’t want anyone blowing money on it without understanding that it is no better than a tip on a horse.
It was wrong of me to state you are guaranteed a profit in 3 years. As I said, there is a reason that financial advice is regulated in the U.K., and posts like yours show why. You have no way of knowing what the future holds for such a niche invest,net, yet are happy to outright promise that a profit will be made, without even a hint of a warning about the risk.
And yes, I do invest in shares. I am in the fortunate position of being a trader in an investment bank, and know enough that I would never, ever pretend that a speculative investment was a guaranteed winner.
Apologies if this seems a bit harsh, but your advice was ill-considered, and foolish, and I wouldn’t want anyone blowing money on it without understanding that it is no better than a tip on a horse.
Not all Whisky products are like that so that was misleading.
As you say things can change and nothing is certain.
Good luck to the OP and yourself.
Hopefully you both make nice sums in your preferred areas of investments.
If what I am doing goes wrong my liver at least will have some fun.
sidicks said:
Of course you ‘could’ make a profit, but it’s very risky and entirely the wrong thing for the OP’s circumstances.
If it really isn’t hard ‘with a bit of knowledge’, why don’t you do whisky trading as a full time career?
I actually do If it really isn’t hard ‘with a bit of knowledge’, why don’t you do whisky trading as a full time career?
No I agree that my post was misleading hence I removed it.
You do have to know what your doing and you can still purchase something which is just not that popular.
As we all can agree on is if we knew exactly what was going to happen we would all be very rich.
Good luck to you in your investments
Sheets Tabuer said:
Nothing really but with it burning a hole I keep eyeing up things like m2s, also my daughter would be 7 so I'm thinking Disney world, Lapland that kind of thing.
Buy a property with it outright. (or 4 x 25k deposits) Then save the rent for 3 years. Then pay for your daughters holidays, or use the income to finance an M2 ELUSIVEJIM said:
I actually do
No I agree that my post was misleading hence I removed it.
You do have to know what your doing and you can still purchase something which is just not that popular.
As we all can agree on is if we knew exactly what was going to happen we would all be very rich.
Good luck to you in your investments
No I agree that my post was misleading hence I removed it.
You do have to know what your doing and you can still purchase something which is just not that popular.
As we all can agree on is if we knew exactly what was going to happen we would all be very rich.
Good luck to you in your investments
otherman said:
Peer to peer lending might do it. You're capital is at risk, but not that much of it, and you can spread accross lots of loans.
The housecrowd looks a good bet at the moment, their auto invest product is all backed by property and pays 7%. You can't get the money out for 12 months then two months notice after that.
Or maybe thin cats. £1000 minimum investment so you can spread wide with that, but it keeps out the small players.
Nah, defaults are rising across the sector. Disaster waiting to happen. Multiple platforms have disappeared etc.The housecrowd looks a good bet at the moment, their auto invest product is all backed by property and pays 7%. You can't get the money out for 12 months then two months notice after that.
Or maybe thin cats. £1000 minimum investment so you can spread wide with that, but it keeps out the small players.
https://moneyfortherestofus.com/216-avoid-this-inv...
Consumer credit is at all time highs, when we move into recession, p2p could be hit very hard!
Read the P2P forums, lots of funny business with property loans LTV being wildly inflated so your money may well be far more at risk than you thought.
To be honest, if you have a sound property investment and a decent deposit, banks are lining up to offer loans at low rates (well under 5%) - the projects that are funded via P2P at 12% pa illustrate the level of risk involved.
I have on occasion thought about p2p lending, the thing is I simply don't understand why anyone with the claimed credit worthiness of the users would actually use the service.
Why would you borrow at over 10% when mortgage borrowing is easily under 2% and small loans etc under 5%?
The answer can only be that you fail mainstream credit criteria. That sets of alarm bells to me.
Why would you borrow at over 10% when mortgage borrowing is easily under 2% and small loans etc under 5%?
The answer can only be that you fail mainstream credit criteria. That sets of alarm bells to me.
trowelhead said:
Sheets Tabuer said:
Nothing really but with it burning a hole I keep eyeing up things like m2s, also my daughter would be 7 so I'm thinking Disney world, Lapland that kind of thing.
Buy a property with it outright. (or 4 x 25k deposits) Then save the rent for 3 years. Then pay for your daughters holidays, or use the income to finance an M2 ELUSIVEJIM said:
It was wrong of me to state you are guaranteed a profit in 3 years.
Not all Whisky products are like that so that was misleading.
As you say things can change and nothing is certain.
Good luck to the OP and yourself.
Hopefully you both make nice sums in your preferred areas of investments.
If what I am doing goes wrong my liver at least will have some fun.
Good, I’m glad that you enjoy it, and that you are doing well. It’s especially good that if you call it wrong you’ll still have a very nice bottle to drink.Not all Whisky products are like that so that was misleading.
As you say things can change and nothing is certain.
Good luck to the OP and yourself.
Hopefully you both make nice sums in your preferred areas of investments.
If what I am doing goes wrong my liver at least will have some fun.
I’m like quite a few people in finance with my investments, far too heavily invested in financial stocks, but with no choice in the matter, and with the rest mainly in diversified funds That I buy and forget.
gibbon said:
I have on occasion thought about p2p lending, the thing is I simply don't understand why anyone with the claimed credit worthiness of the users would actually use the service.
Why would you borrow at over 10% when mortgage borrowing is easily under 2% and small loans etc under 5%?
The answer can only be that you fail mainstream credit criteria. That sets of alarm bells to me.
Exactly. Lender of last resort in a wayWhy would you borrow at over 10% when mortgage borrowing is easily under 2% and small loans etc under 5%?
The answer can only be that you fail mainstream credit criteria. That sets of alarm bells to me.
Sheets Tabuer said:
trowelhead said:
Sheets Tabuer said:
Nothing really but with it burning a hole I keep eyeing up things like m2s, also my daughter would be 7 so I'm thinking Disney world, Lapland that kind of thing.
Buy a property with it outright. (or 4 x 25k deposits) Then save the rent for 3 years. Then pay for your daughters holidays, or use the income to finance an M2 sidicks said:
Normally 100% of your capital is at risk, why do you think otherwise?
Not that much risk. People think 'capital at risk' means a binary result, win or lose it all. In this case, no fails yet. All paid upk, or else legal charge on the property got the return but a bit late. otherman said:
trowelhead said:
Nah, defaults are rising across the sector. Disaster waiting to happen. Multiple platforms have disappeared etc.
You missed the part about 'secured by first legal charge over the property' with typically 70% LTV. Tell me a significant platform that disspeared.
https://www.telegraph.co.uk/business/2017/10/08/le...
telegraph said:
Lendy had agreed the loan based on a valuation of £4.9m but it is understood that property agents have valued it at as little as £2m, exposing investors to a potential loss.
And as for the platform closures:https://www.ft.com/content/75e75628-8b27-11e8-bf9e...
otherman said:
Not that much risk. People think 'capital at risk' means a binary result, win or lose it all. In this case, no fails yet. All paid upk, or else legal charge on the property got the return but a bit late.
I certainly don’t think that!But the point has been made already - given where current borrowing rates are, those using P2P are not the best quality credit risk by any means, and with defaults expected to pick up in the next few years, it is not clear that you’re adequately rewarded for the risks being taken.
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