Where would you invest £1500 pcm.
Discussion
cailean said:
....I would not suggest you "invest" it anywhere....
Why not?What is wrong with 5K each on Tesco, Kingfisher, Unilever, Rolls-Royce, Serco, Anglo-American, etc ?
Three years of reinvesting any dividends aswell.
Corrected for inflation the 2007 FTSE was circa 7500 and the 1999 FTSE was nudging 10000, currently at 5-and-a-bit thousand.
Worth a punt?
cymtriks said:
Why not?
What is wrong with 5K each on Tesco, Kingfisher, Unilever, Rolls-Royce, Serco, Anglo-American, etc ?
Three years of reinvesting any dividends aswell.
Corrected for inflation the 2007 FTSE was circa 7500 and the 1999 FTSE was nudging 10000, currently at 5-and-a-bit thousand.
Worth a punt?
Possibly, so long as you understand that it is just a punt and that stock markets go up and down etc. You can limit the risk by going for a rock solid name like Tesco, but you are unlikely to make loads of money, the biggest rewards come from the bigger risks. If the Euro tanks then even big names could take a hit.What is wrong with 5K each on Tesco, Kingfisher, Unilever, Rolls-Royce, Serco, Anglo-American, etc ?
Three years of reinvesting any dividends aswell.
Corrected for inflation the 2007 FTSE was circa 7500 and the 1999 FTSE was nudging 10000, currently at 5-and-a-bit thousand.
Worth a punt?
If you have lots of spare cash then I think stocks and shares are an option, but this is hard earned cash being saved for a deposit for a house so i'd go slow and safe. You can get some "reasonable: rates on longer term savings now
cymtriks said:
Worth a punt?
As long as your remember it's that! Personally I think stock markets sell off in the New Year.....EU will get a lot worse before it gets better.
The lessons are there that political invervention will only be of sufficient scale when the situation becomes apocolyptic.....the US only bailed out the financial system when it became clear the result of letting Lehman going bust was far wider reaching than anticipated and the UK only bailed out RBS at the 11th hour. Politicians cannot and do not take strong enough proactive measures to avoid financial crises.
Investing if done correctly is not a gamble, there is of course some risk but that is true of any venture that seeks reward.
Fives years is too long to sit in Sterling or any other currency. (with the way politicians handle our econimies)
On the fixed interest side Corp debt is worth a look, the default rate of 2% is priced in, and pays around 8%. Which when compounded keeps you ahead of inflation (which is what it is all about)
Corporations are doing way better than the economy, many have cash just sitting around. Dividend growth is the key to stock selection.
I cannot suggest UK stocks because I don't follow them closely enough and I'm not sure individual stocks would suit you because your limited trickle feed would not give you initial diversity.
But you could maybe get equity exposure by choosing an Investment Trust. Some care is needed to make sure there are no outstanding warrants that could later reduce NAV. I would think there must be a couple of decent ones sitting at favourable discounts.
Fives years is too long to sit in Sterling or any other currency. (with the way politicians handle our econimies)
On the fixed interest side Corp debt is worth a look, the default rate of 2% is priced in, and pays around 8%. Which when compounded keeps you ahead of inflation (which is what it is all about)
Corporations are doing way better than the economy, many have cash just sitting around. Dividend growth is the key to stock selection.
I cannot suggest UK stocks because I don't follow them closely enough and I'm not sure individual stocks would suit you because your limited trickle feed would not give you initial diversity.
But you could maybe get equity exposure by choosing an Investment Trust. Some care is needed to make sure there are no outstanding warrants that could later reduce NAV. I would think there must be a couple of decent ones sitting at favourable discounts.
Rolls-Royce seems a solid investment to me, but maybe that's 'cos I work there 
A quick look at the share price thingy that's on these PCs shows that current share price is 723.50p which is slightly hefty, but since I joined the company in 2009, the shares have steadily risen 250p!
Seems like a faultless investment to me, but as the price has reached such a peak, they are much more likely to head south in the future...
Where's that american money bloke when you want him?
A quick look at the share price thingy that's on these PCs shows that current share price is 723.50p which is slightly hefty, but since I joined the company in 2009, the shares have steadily risen 250p!
Seems like a faultless investment to me, but as the price has reached such a peak, they are much more likely to head south in the future...
Where's that american money bloke when you want him?
MatthewO said:
Rolls-Royce seems a solid investment to me, but maybe that's 'cos I work there
Seems like a faultless investment to me, but as the price has reached such a peak, they are much more likely to head south in the future...
So a faultless investment is one that you think is likely to head south in the future?!Seems like a faultless investment to me, but as the price has reached such a peak, they are much more likely to head south in the future...
Just because a share price is at an all time high don't for one second think it's more likely to fall - a lot of would be millionares thought that about Google, Apple, Amazon et al about 10 years ago.
If you are saving the money to utilise it as a deposit in a retail property then the only logical non cash investment would be one that correlates with the value of retail property, that way your value stays inline with the value of what you are looking to buy.
To invest in something which is unlinked wouldn't make much sense as your risk will exceed that of cash.
To invest in something which is unlinked wouldn't make much sense as your risk will exceed that of cash.
DayTrader said:
MatthewO said:
Rolls-Royce seems a solid investment to me, but maybe that's 'cos I work there
Seems like a faultless investment to me, but as the price has reached such a peak, they are much more likely to head south in the future...
So a faultless investment is one that you think is likely to head south in the future?!Seems like a faultless investment to me, but as the price has reached such a peak, they are much more likely to head south in the future...
Just because a share price is at an all time high don't for one second think it's more likely to fall - a lot of would be millionares thought that about Google, Apple, Amazon et al about 10 years ago.
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