| Investments 23:42 - Jun 8 with 8337 views | rrrspricey |
Anyone here made any?
Looking to invest around £100k. Looked at some student housing that guarantees around 9% pa, anyone invested at this or any other advice that's better than sticking in a building society? |  | | |  |
| Investments on 18:07 - Jun 9 with 2444 views | dubaistu |
| Investments on 11:57 - Jun 9 by pomanjou |
My current investments paying off handsomely in both income and capital gains.
9.7% in Barratts - house builder
3.4% in Bellway - house builder
1.2% in Crest Nicholson - housebuilder
1.6% in Persimmon - housebuilder
12.1% in Taylor Wimpey - housebuilder
2.7% in Dixons/Carphone
8.9% in Glaxo Smith Kline
6.8% in GVC- onlineline betting in unregulated countries
2.9% in Legal and General
2.7% in National grid
7.4% in Redd - car crash insurance support services
4.5% in Royal Dutch Shell
1.4% in Sainsburys
3.3% in Unilever
2.3% premium bonds
11.5% Prudential income bonds
9.8% Generali income bonds.
7.8% cash |
Nice portfolio, are you managing these yourself or using the dreaded IFA? |  | | |
| Investments on 18:58 - Jun 9 with 2394 views | johncharles |
I have two and thrupence h'penny and a Wrigleys spearmint gum. Which financial intuition should benifit from my investment ? |  |
| Strong and stable my arse. |
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| Investments on 09:37 - Jun 10 with 2184 views | pomanjou |
| Investments on 18:07 - Jun 9 by dubaistu |
Nice portfolio, are you managing these yourself or using the dreaded IFA? |
I manage everything myself online with Barclays Marketmaster and ISAs apart from the bonds which are held separately.
IFAs are anathema to me. They are either behind the curve or too far ahead. Maybe I expect too much. |  |
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| Investments on 10:15 - Jun 10 with 2154 views | rrrspricey |
Thanks for the info everyone, some real food for thought.
In answer to a couple of questions I'm 51, rent a house and only started my pension aged 36 so won't have a great income from that hense looking for a decent return over the next few years. | | | |
| Investments on 13:40 - Jun 10 with 2077 views | Brightonhoop |
| Investments on 15:09 - Jun 9 by stowmarketrange |
I'm 55 in September and I've got lots of different ideas on what to do with my lump sum and the 75% of my deferred pension.
Part of me wants to buy a villa in Spain or Portugal,but my sensible side says stick it in a high interest account,or invest it for when I'm ready to slow down at 60.
I've spoken to a couple of IFAs and they both said different things,so I still ain't sure what to do.
I suppose I could always invest it in a football club.Does anybody know a stable club to invest in?  |
Stow/all. Be very careful investing in Spain, see the Priors horror story, one of thousands where homes are bulldozed as illegal, and no return on anything. Property fell 10% across Spain last year. The legal and financial rigours do not exist and the economy is skewed to benefit and encourage fraud/corruption.
For example, a local town, Garrucha, has just declared bankrupt.....2mil is missing from the accounts, the last Mayor says 'naffing to do with me, guv' and the prisons are over flowing with ex-mayors and politicos. Investors, house buyers, never see there money again, bent builders and lawyers sail into the sunset having declared bankrupt whilst passing your investment onto family to 'hold. For them.
There is no Law Society, no professional bodies worth headed letter paper etc, Title in Law is dubious, easily challenged and often undocumented ie no Deeds. Propery is often held by several family members, one will later lay claim. Or a bent solicitor sells a Cortijo 'with land' so folks buy, thinking to install a pool, only to find the solicitor now owns the land having not transferred it as the sale promised, and now wants a premium for 'his' land......
Some get it right and never have problems, others sit at home waiting for the bulldozers to turn up. Nightmare.
The climate is good, the women gorgeous, great fine wines, all passionate about football, but nowhere to 'invest'. It's a young democracy, Franco died only 50 years ago, and sometimes his presence still hangs heavily. [Post edited 10 Jun 2015 13:42]
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| Investments on 23:25 - Jun 10 with 1962 views | stowmarketrange |
| Investments on 13:40 - Jun 10 by Brightonhoop |
Stow/all. Be very careful investing in Spain, see the Priors horror story, one of thousands where homes are bulldozed as illegal, and no return on anything. Property fell 10% across Spain last year. The legal and financial rigours do not exist and the economy is skewed to benefit and encourage fraud/corruption.
For example, a local town, Garrucha, has just declared bankrupt.....2mil is missing from the accounts, the last Mayor says 'naffing to do with me, guv' and the prisons are over flowing with ex-mayors and politicos. Investors, house buyers, never see there money again, bent builders and lawyers sail into the sunset having declared bankrupt whilst passing your investment onto family to 'hold. For them.
There is no Law Society, no professional bodies worth headed letter paper etc, Title in Law is dubious, easily challenged and often undocumented ie no Deeds. Propery is often held by several family members, one will later lay claim. Or a bent solicitor sells a Cortijo 'with land' so folks buy, thinking to install a pool, only to find the solicitor now owns the land having not transferred it as the sale promised, and now wants a premium for 'his' land......
Some get it right and never have problems, others sit at home waiting for the bulldozers to turn up. Nightmare.
The climate is good, the women gorgeous, great fine wines, all passionate about football, but nowhere to 'invest'. It's a young democracy, Franco died only 50 years ago, and sometimes his presence still hangs heavily. [Post edited 10 Jun 2015 13:42]
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Cheers for the advice mate.
It looks like the football club investment might be a safer option then. |  | | |
| Investments on 23:41 - Jun 10 with 1954 views | baz_qpr |
Just been chatting to someone tonight. It's not Spain where you should put your money but Gibraltar which is apparently booming |  | | |
| Investments on 00:07 - Jun 11 with 1937 views | BrianMcCarthy |
| Investments on 17:06 - Jun 9 by Mark1 |
Markets have been going up since around 2009 and I'd be a tad wary going in now.
Usually best to be a contrarian, so may not be a bad idea to put some of the money into something that makes you money if/when the market falls.
Also, house prices in London are ridiculous and if rates were to rise the fall could be dramatic,so I'd tread carefully there too.
Some of my dosh is in precious metals ETF's and Gold funds - been crap for some time now, so hopefully, they could do well if the economy takes a dive. |
Agree with Mark 100%
I'm waiting to get into gold as well, trading what I think will be a big rally to come.
I just closed a small two-day trade on Dow options, trading a jump which came today. I'm out now, though, for a long while as I don't trust it from here. I think a sharp fall is likely over the next few months.
"Hey, let's be careful out there!" |  |
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| Investments on 07:59 - Jun 11 with 1897 views | pomanjou |
Brian,
Why not take out a put? You don't have to have a rising market to make, or lose, money . | |
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| Investments on 08:56 - Jun 11 with 1873 views | BrianMcCarthy |
| Investments on 07:59 - Jun 11 by pomanjou |
Brian,
Why not take out a put? You don't have to have a rising market to make, or lose, money . |
Hey Pom,
I may do on the Dow if the long-term trend is confirmed as down. I like the short-term trend and the long-term trend to be the same, so if the Dow is confirmed as being in a down cycle I may go into leap puts and then do short-term puts as well.
I didn't do puts on the gold decline as I was getting mixed info on the timing of that cycle. | |
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| Investments on 09:24 - Jun 11 with 1854 views | Discodroids |
between 1989 and 2010 i managed to invest over a £150,000 in chang
a low return yield resulting in 3 marriages , my tangibles being frozen, 2 lost houses and a memorable renaissance period living above a pet shop in grays.
never done me any harm
dont do it kids.. |  |
| The Duke Of New York. A-Number One.
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| Investments on 13:59 - Jun 11 with 1754 views | stowmarketrange |
| Investments on 23:25 - Jun 10 by stowmarketrange |
Cheers for the advice mate.
It looks like the football club investment might be a safer option then. |
I've just seen on a map of Spain that they have a town called Zamora.I'll have to look there for a place that can't stand up on its own for too long. | | | |
| Investments on 14:17 - Jun 11 with 1739 views | wombat |
| Investments on 13:59 - Jun 11 by stowmarketrange |
I've just seen on a map of Spain that they have a town called Zamora.I'll have to look there for a place that can't stand up on its own for too long. |
its a nice place funnily enough slightly lop sided and is only visible once a month for around 65 minutes |  |
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| Investments on 08:32 - Jun 12 with 1587 views | Dorse |
Magic beans are always a good bet with Golden Goose futures looking strong. |  |
| 'What do we want? We don't know! When do we want it? Now!' |
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| Investments on 13:44 - Jun 12 with 1542 views | MrSheen |
I've worked in investment for 30 years, and I thought I would add these thoughts. I can't name names as I am subject to regulation and I am not approved to give specific advice.
Investment returns are at historically low levels, so you might be advised to lower your sights. Returns of greater than 4% can only be made by putting your capital at risk and/or by sacrificing liquidity (i.e the ability to cash out in a hurry). If you are really in a position to put the money aside for a long time, liquidity doesn't matter so much, but think hard about it.
Please don't try to bet on currency markets. Even the experts have no idea. I am dubious about investing based on trends, as I think that while anything can be explained after the fact, I don't see the predictive powers of chart patterns as being any more credible than astrology. Plenty disagree. In general, becoming an active trader in volatile markets, particularly in leveraged (magnified) bets like options, contracts for difference (CFDs), etc will take over your life and you have to live with the adrenaline and the regret. Some people enjoy it. I would rather take my time on a decision, and then resist meddling with it unless something meaningful changes.
Be very impatient with losing investments. I know there are countless examples of losers roaring back to reward the patient, but consider at all times whether you would buy it again with new money, instead of just being reluctant to crystallise your loss. If the price fall is just random market noise, fair enough, but if it is in response to a flaw emerging in the original story, get out. Things won''t go up in price just because they have previously gone down. On the other hand, resist the temptation to sell your winners.
Think hard about how much it would mean for you to lose some or all of this money. If it's there to add some spice to an otherwise solid investment portfolio (including housing, pensions, etc) you can afford to take on risk and have some fun. If not...you shouldn't be risking 50% of it on speculative tips from a football website. No offence to anyone who is trying to help, but there you go.
Finally, get advice on the tax status of your investment. I don't know much about direct property, but if you are buying funds or shares, get it in an ISA, and use your family's allocations too. Get advice about whether income of capital gain is more advantageous for you. Someone has mentioned Barclays; I use Hargreaves Lansdown for convenience, service and advice.
Good Luck! |  | | |
| Investments on 15:23 - Jun 12 with 1365 views | Mark1 |
Anyone on here read King World News and if so, what do you make of the articles? |  | | |
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