I need some help making some investment decisions?

Question

I currently have £20K stashed away in my bank a/c earning some interest. Lately I have been thinking about investing some of it in some sort of fund/stock/trust - to be honest I have no idea about these things and wondered if someone could advice me where to roughly £3K.

My risk profile is medium - if that helps in any way

Thanks

Answer 1

Depending on how long you need this money, I would recommend you invest this money as follows: 30% in your total stock fund,US ticker symbol:VTI, 25% in total international fund, in the US the ticker symbol: EFA, 10% in world large cap fund:IOO, 20% in short term bond fund:SHY and the rest in the Total index bond fund: AGG.

Good luck,

Kenx

Answer 2

One of the first things you should do is set up an emergency fund - about 4 x net salary. You should put this in one of the highest intrest instant access acounts you can find. This will help you through any unforseeable circumstances.

The next thing you need to do is think about your financial goals.

Motley Fool also has a good book on finances - easy to understand and use - this would be a good investment for a few quid. It will give you info on investing and some idea about the way ahead. They also have a web site but I think the book would give you a better understanding.

As you are looking to put £3k somewhere this will be within your ISA allowance. So get a tracker fund (or a couple) - these normally have the lowest charges and on average will beat managed funds by the difference in their charges.

Answer 3

You do not need a financial advisor. They are only out to feather their nests.

£3,000 is chicken feed for the stock market. Just buy a good newspaper and read the financial columns. You will soon find a share you like the sound of. But be careful, currently the index is near all time high.

Answer 4

stupid judgements? Yeah, they specific have been, yet CITI had no patent on stupidity. all the vast banks and massive investment companies went down a similar rosy direction. there have been diverse CEOs shown the door recently. you may think of that one and all which top priced skills could have as plenty ordinary experience as a turnip, yet not so this 300 and sixty 5 days.

Answer 5

No adivce intended as I am qualified to do so.

But put some money in National savings bond ( Premium bonds)
and
Go for Unit Trust rather than shares if you want to invest in stock markets.As direct investment in shares is more risky.

consult a finacial advisor

Answer 6

I am SwissCash financial consultant. You can join me with SwissCash investment that will give you monthly return for consecutive 15 months per investment certificate. Start with minimum 1030 USD. Guaranteed by swiss mutual fund 1948 http://www.swissmutualfund.biz

follow attached link source to start investing. You can go to your nearest Barclay Bank to confirm this beneficiary account and start by putting your investment there.

Answer 7

If it's any good, invest in a flat and rent it out, stocks and shares are to volatile at the moment

Answer 8

I would go for blue chip shares. I was in the same position and invested £15k in January. its currently worth £25k but thats exceptional due to a windfall of free shares. Your bank will advise you and make the purchase.

Answer 9

Get a financial advisor. That is a lot of money and you don't want it wasted. I wouldn't invest all of it in just that if I were you but then again I am not a financial advisor. I am just cautious though.

Answer 10

Hi, i suggest a great site with plenty of Issues related to your Investing and everything around it. it also provide clear and accurate answer to many common questions.

I am sure that you can get your answers in this website.

http://investing.sitesled.com/

Good Luck and Best Wishes!