Where to invest 100k for 3 years?
Discussion
Paddy_N_Murphy said:
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hstewie said:
hstewie said: That was where my crazy idea of £40K into Fundsmith/Lindsell Train came from.
Over 3 years you could of course lose 50% of £40K but how likely is that?
Stick the £60K in NS&I bonds.
Personally I'd probably be more comfortable taking a higher risk with a smaller amount than a lesser risk but with all of it IYSWIM.
NS&I's are limited to £50k.Over 3 years you could of course lose 50% of £40K but how likely is that?
Stick the £60K in NS&I bonds.
Personally I'd probably be more comfortable taking a higher risk with a smaller amount than a lesser risk but with all of it IYSWIM.
I put 50k in and have average £50 'wins' per month since.
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.
Nobody can really give you an accurate/informed answer of where to invest 100k for 3 years without knowing more about you - age , retirement plans/pension , emergency fund , do u have any other investments in shares/ funds or BTL?Investing 100k can be a variety of different answers depending on your current standing and investments/savings!
What about some high yielding FTSE 100 shares such as National Grid, SSE, Vodafone, Lloyds, Centrica, Imperial Brands and Legal & General? Decent yields and a limited downside I hope...
https://www.dividendyields.org/ftse100-best-divide...
https://www.dividendyields.org/ftse100-best-divide...
trowelhead said:
Not really a ballache no - and you'd need to buy up north, manchester, leeds, liverpool - 100k will buy you a 2 bed flat or small house that will rent for £650 pcm easily. Or buy 4 x 100k houses with 75% mortgages, and make roughly £250pcm net on each
Cost of conveyancing, cost of maintaining the properties, income tax on profits, plus the risk of one of your properties stting the bed in some spectacular way (roof/boiler/smashed up by tenant etc). Then there's the excitement and cost of selling them to get your capital back in a few years time. We have one BTL with good tenants that pretty much looks after itself. As a long term investment it's probably performing pretty well in terms of equity in the house and increased property value, but for a short term investment I'd leave well alone.
keith333 said:
What about some high yielding FTSE 100 shares such as National Grid, SSE, Vodafone, Lloyds, Centrica, Imperial Brands and Legal & General? Decent yields and a limited downside I hope...
https://www.dividendyields.org/ftse100-best-divide...
Individual shares, over a 3 year period? You're not an ifa, are you? https://www.dividendyields.org/ftse100-best-divide...
Croutons said:
keith333 said:
What about some high yielding FTSE 100 shares such as National Grid, SSE, Vodafone, Lloyds, Centrica, Imperial Brands and Legal & General? Decent yields and a limited downside I hope...
https://www.dividendyields.org/ftse100-best-divide...
Individual shares, over a 3 year period? You're not an ifa, are you? https://www.dividendyields.org/ftse100-best-divide...
Croutons said:
keith333 said:
What about some high yielding FTSE 100 shares such as National Grid, SSE, Vodafone, Lloyds, Centrica, Imperial Brands and Legal & General? Decent yields and a limited downside I hope...
https://www.dividendyields.org/ftse100-best-divide...
Individual shares, over a 3 year period? You're not an ifa, are you? https://www.dividendyields.org/ftse100-best-divide...
sidicks said:
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.
Sheets Tabuer said:
What are people's thoughts on nutmeg?
That there are at least 5 threads on it already. https://www.pistonheads.com/gassing/topic.asp?t=15...
cashmax said:
sidicks said:
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.
That doesn’t mean that you won’t get ‘exactly what is says on the tin’.
keith333 said:
Lol no I’m not ?? but I do hold these shares, so have put my money where my mouth is. Think they’re fairly defensive, but obviously shares can go down as well as up.
Poor diversification and significant downside risk doesn’t really seem to match up with the OP’s requirements. Tbh theres no right or wrong answer.
If you don't want any risk shove it in a fixed bond for 1 year earn about 1.4% (ish - you could probably find better somewhere). - after a year if interest rates have risen you will then get the updated rate.
If it was me I would spread my money around a bit, I would buy some shares - I don't think Keith333 options are that bad - I have some myself - depends if you want to do a little bit of trading - for example IAG I generally sell at 700p - wait to go down to 650 ish then buy more, rinse repeat - it won't last forever but I have done that over the last year about 3 times.
Of course shares can go down - they can also go up, rental property I wouldn't touch personally (but others swear by it) - I would rather have shares where I can get cash if need be.
I would stick some in some funds, emerging markets are going through a shaky time right now - my fund for south america has lost about 7% in the last 2 weeks. If youw ant to spread risk, don't buy all at once, split it across a year to get a average.
I see funds / shares are pretty high right now - whether there is a crash coming I have no idea - but I have BP, Legal and general, National Grid, but also some I hope will grow such as Superdry (I like the superdry concept and hoping to be 1800p a share in 3 years).
You say about taking your daughter to disney when shes 7 - honestly last year I took my daughter (4 years old) and she bloody loved it (florida one), still talks about it now, we had the photopass came home with over 1000 pictures of us on rides and with characters (which we put into a book - 106 page hard back from wowcher for about 20 quid) - do it before she starts school, you will save about £3 - £4k on the trip, we got our flights in the BA sale, we booked through disney, ended up with $200 dollar credit which we used for food rather than buying tat in the gift shop.
Depending on your hotel standards etc - we booked the cheapest hotel which was fine for us. Cost us £5k for 2 weeks (2 adults 1 child), including flights (£1.2k I think) hire car (ford fushion so mondeo - £250), took our own car seat etc. We went before thanksgiving so had all the christmas stuff.
I know a family of four (2 adults, 1 kid 9 other kid 4) - cost them £10k at easter (one of the only times of year for a 2 week holiday) - same hotel as us - it goes up that much.
If you don't want any risk shove it in a fixed bond for 1 year earn about 1.4% (ish - you could probably find better somewhere). - after a year if interest rates have risen you will then get the updated rate.
If it was me I would spread my money around a bit, I would buy some shares - I don't think Keith333 options are that bad - I have some myself - depends if you want to do a little bit of trading - for example IAG I generally sell at 700p - wait to go down to 650 ish then buy more, rinse repeat - it won't last forever but I have done that over the last year about 3 times.
Of course shares can go down - they can also go up, rental property I wouldn't touch personally (but others swear by it) - I would rather have shares where I can get cash if need be.
I would stick some in some funds, emerging markets are going through a shaky time right now - my fund for south america has lost about 7% in the last 2 weeks. If youw ant to spread risk, don't buy all at once, split it across a year to get a average.
I see funds / shares are pretty high right now - whether there is a crash coming I have no idea - but I have BP, Legal and general, National Grid, but also some I hope will grow such as Superdry (I like the superdry concept and hoping to be 1800p a share in 3 years).
You say about taking your daughter to disney when shes 7 - honestly last year I took my daughter (4 years old) and she bloody loved it (florida one), still talks about it now, we had the photopass came home with over 1000 pictures of us on rides and with characters (which we put into a book - 106 page hard back from wowcher for about 20 quid) - do it before she starts school, you will save about £3 - £4k on the trip, we got our flights in the BA sale, we booked through disney, ended up with $200 dollar credit which we used for food rather than buying tat in the gift shop.
Depending on your hotel standards etc - we booked the cheapest hotel which was fine for us. Cost us £5k for 2 weeks (2 adults 1 child), including flights (£1.2k I think) hire car (ford fushion so mondeo - £250), took our own car seat etc. We went before thanksgiving so had all the christmas stuff.
I know a family of four (2 adults, 1 kid 9 other kid 4) - cost them £10k at easter (one of the only times of year for a 2 week holiday) - same hotel as us - it goes up that much.
gazza5 said:
Of course shares can go down - they can also go up, rental property I wouldn't touch personally (but others swear by it) - I would rather have shares where I can get cash if need be.
... would REIT's be a good option for those not wanting to manage a rental property but still have exposure to 'property'?JaredVannett said:
gazza5 said:
Of course shares can go down - they can also go up, rental property I wouldn't touch personally (but others swear by it) - I would rather have shares where I can get cash if need be.
... would REIT's be a good option for those not wanting to manage a rental property but still have exposure to 'property'?Persimmon as a 3 year investment 3 years ago would have been a cracker.
I bought barratt after brexit - which has done ok for me - but as far as Reits are concerned I have never touched them.
I get a lot of Seeking Alpha stuff which always has arcticles about REITS - some giving 10% yield, but as far as UK property concerned I can only see it really staying the way it is - as in not increasing much.
I get a lot of Seeking Alpha stuff which always has arcticles about REITS - some giving 10% yield, but as far as UK property concerned I can only see it really staying the way it is - as in not increasing much.
JaredVannett said:
gazza5 said:
Of course shares can go down - they can also go up, rental property I wouldn't touch personally (but others swear by it) - I would rather have shares where I can get cash if need be.
... would REIT's be a good option for those not wanting to manage a rental property but still have exposure to 'property'?Gassing Station | Finance | Top of Page | What's New | My Stuff