What to do with excess capital in ltd co

[RC1]

Ive managed to build a small amount of surplus capital in my ltd co and would like to put some of it to work albeit with minimal risk and for no more than 9 months. what are the options? NS&I income bonds would have been fine but they are retail only. i was also thinking about gilts etc but what else? needs to have cash like liquidity and almost principal protected

what about loaning it out through a p2p platform like rate setter?

any suggestions other than 'leave it as is' would be welcomed!

[anonymous-user]

9 months is 1% I'm afraid. I got a letter from guv begging for early payment so they might be having second thoughts.

[RC1]

thought as much but ill take anything above zero!

[RC1]

and looks like ratesetter is not accepting new company lenders onto the platform not surprising in fairness given credit outlook

[85Carrera]

Have you maxed out your pension contributions?

Buying a van/pick up or leasing an EV?

[CzechItOut]

I'm in the same boat. I put it in an Aldermore Business Savings Accounts.

However, the interest rate is now only 0.5%.

[Mr Overheads]

I put some capital into a WiseAlpha Business Account and have spread it over as many bonds as possible in sectors I feel are safer i.e haven't bought any retail/hospitality bonds, I have bought infrastructure for example. In 3 months I'm about 7% up so far and I keep reinvesting the interest payments in bonds I don't yet own to spread the risk further. Of course it's riskier than holding cash savings, but overall I think the risk is worth it when thinly spread over many many company bonds.

My referral link:
https://www.wisealpha.com/?ref=RDZ1ekl5VYOgMpw

Non-referral link:
www.wisealpha.com

[Speed 3]

85Carrera said:

Have you maxed out your pension contributions?

Buying a van/pick up or leasing an EV?

Not much use when he/she wants it back in 9 months....

[RC1]

Mr Overheads said:

I put some capital into a WiseAlpha Business Account and have spread it over as many bonds as possible in sectors I feel are safer i.e haven't bought any retail/hospitality bonds, I have bought infrastructure for example. In 3 months I'm about 7% up so far and I keep reinvesting the interest payments in bonds I don't yet own to spread the risk further. Of course it's riskier than holding cash savings, but overall I think the risk is worth it when thinly spread over many many company bonds.

My referral link:
https://www.wisealpha.com/?ref=RDZ1ekl5VYOgMpw

Non-referral link:
www.wisealpha.com

thanks - have used your referral link to schedule chat tomorrow AM

[RC1]

Speed 3 said:

Not much use when he/she wants it back in 9 months....

exactly that plus i want it to stay in the business and not attract tax liability by drawing it out

[Mr Overheads]

RC1 said:

Mr Overheads said:

I put some capital into a WiseAlpha Business Account and have spread it over as many bonds as possible in sectors I feel are safer i.e haven't bought any retail/hospitality bonds, I have bought infrastructure for example. In 3 months I'm about 7% up so far and I keep reinvesting the interest payments in bonds I don't yet own to spread the risk further. Of course it's riskier than holding cash savings, but overall I think the risk is worth it when thinly spread over many many company bonds.

My referral link:
https://www.wisealpha.com/?ref=RDZ1ekl5VYOgMpw

Non-referral link:
www.wisealpha.com

thanks - have used your referral link to schedule chat tomorrow AM

Should add that liquidity seems decent, sold a few bond parts as a test and all sold within 24hours.