Advice on investment other than property?

Question

Lets say I've got circa £100k to invest. Does anyone have any sensible advice on how to invest it for a good return that doesn't involve property? Thx.

I'm thinking of circa a 5 year investment? Might also consider something high risk as I don't have a family at the moment

Answer 1

Fine art.
Good luck.

Answer 2

By far the safest investment in UK for even a small amount of money, is Income Bonds. These are available from your local Post Office and are backed by the Treasury (Bank of England). The rate of return is modest and is the same as the BofE 'rate' = 4.5-5% at present. The income from your investment is subject to tax, which is set at 20% at present. This could change in the Budget which is due to be announced in the House of Commons on c25th March 2007.

Income Bonds are not an exciting investment but they are very safe indeed and have a Bank of England and Treasury 'Guarantee' - You will NOT lose your capital investment. The rate of interest is much more likely to go up than down as the BofE seeks to control the rate of inflation in the economy at large.

The maximum holding in Income Bonds is £1-million, but this could change.

The income earned from your bonds is paid monthly into an account chosen by you. You can cash in your bonds any time, but if you choose to do so before the stipulated interest period, you will lose any interest you may have earned for that month. Read the small print, etc.

Answer 3

First I'd suggest you work out what your investment objectives are. Do you want capital growth or do you want monthly returns. Then you should consider your attitude towards investing, are you a cautious investor (ie not willing to take a large gamble) remember low risk usually means a low return. Finally mix your investments and make use of Isa's. The best advice is to seek independent financial advice from several sources as often advisers are tied to specific companies.

Answer 4

Since the market is on a bit of a downer at the moment a sure way to make a smallish but fairly safe return would be ISA's at the moment. If you are looking something a little more long term I suggest water and platinum as these are projected to rise greatly. Maybe a little quick with only five years though. With that time period for a high return you are looking at taking a fairly high risk.

Answer 5

If this is all of you money to invest, then you should strongly consider diversification and liquidity. Make sure you can spread out the risk and make sure that you can take your investment out within a reasonable amount of time when you decide that you want to pull it out. A 5 year investment does give you alot of options, but why only 5 years? If the investment is doing well and you believe it will continue to do well, will you keep it in the investment?

Answer 6

you might be kind and share the answers you get with me. im 30 and looking to put down some money for later. ive been buying land and then selling it on after a couple of months, i done really well made good profit.but like with any other investment watch who you deal with i used Propertyfile and idclandgroup.com. i was on the stock market for a wile but i lost a lot of faith in it at the moment, i dont think that its very stable at present. the best thing about the land is its stable

Answer 7

short term investments are isa, art can be good, but need to buy at the right price, and as you only want a 5yr investment, then maybe not right for you, if you have the money then best short term investment at the moment would have been the new Alfa romeo sports car, but they have all been sold, any limited edition top sports cars are a great investment as you can sell them for an instant profit providing the manufacturer doesn't put any condition's on you.

Answer 8

Just a suggestion, if you have that amount of money to play with you could put 30k of it into Premium Bonds.The prizes are tax free and there is always a chance you might pick up a good one. You will get at least £100 a month back on average if you put the full allowance. One thing about NSI your money is safe, and unlike the lottery, you can get it back when ever you like.
As for the rest, Buy land, they are not making it anymore!

Answer 9

i would always start with a Financial Adviser if you are new to the investing game. If they work for a big organisation like Legal and General the charge comes out of the interest you make and it is well worth it. Small risk ie: Life distribution fund (8.7%) medium risk: Life property fund (11.5%) high risk: u.k. smaller companies(17%-37%) give or take. good luck

Answer 10

Penny stocks are loosely categorized companies with share prices of below $5 and with market caps of under $200 million. They are sometimes referred to as "the slot machines of the equity market" because of the money involved. There may be a good place for penny stocks in the portfolio of an experienced, advanced investor, however, if you follow this guide you will learn the most efficient strategies https://tr.im/ed075

Answer 11

Unit trusts. i recommend the Coop Insurance Society's Sustainable Leaders Trust. not only is it one of the leading performers in the UK, it is also a totally ethical investment.

CIS can invest the first 7k in an ISA, and put the rest into a standard unit trust. They also have other funds, but I think the sustainable leader is the best.