We are selling a large house and will have £100,000 left to invest, what is the best way to invest this?

Question

We will also have approx £7000 a year savings to invest over and above, we will not need the money for 10 years although easy access will be a bonus.

Answer 1

buy my business in greece so I can retire.

Answer 2

American companies are doing just fine and the Fed is finding it difficult to keep the growth on targe. So Stocks can be good investment. Do some Options trading once in a while to protect the downside risk. Some in cash. Pickup growth stocks so that you get good value for money. Gold is not good since it is being regulated a little now. Euro is a transient phenomenon. It has grown to its full it looks like, unless the Oil producing countries switch to Euro to protect against expectations fears of dollar. Even then dollar is strong enough to hold. Some in Bonds, the interest rates are moving sideways and little up. So you get inflation hedged value in bonds. What you get on monthly savings you can put in some annuity bearing investments with Metlife or so.

Answer 3

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Answer 4

'You can invest £3000 each in a tax free ISA and there are some offering 8% ,plus if you do it now, you may be able to pick up last years allowance, making it £12000 in total. As for the rest, I have a similar problem. Financial advisors would suggest a balanced portfolio but when you get into it and see the fee structure!, a lot goes on those. In today's volatile market, I would look at putting about 50% in a good interest paying fund, transferring £6000 each year into ISAs
and use a financial advisor's "spread" with the rest but do it yourself.

Answer 5

the safest investment is in secured savings accounts such as the "CD" commonly available in the US. These accounts are guaranteed to not go down in value. The interest income is not as high as for mutual funds and other investment.

100,000 GBP is a heck of a lot of money and the additional regular 7000 investments would indicate you want to do the best possible to prepare for retirement.

Contact at least 3 financial management companies to discuss options.

Answer 6

No way to answer that question without getting more information from you. If you have a minimum of 10 years, you can put some of it to work for you in the stock market; look at American Funds. They're very conservative as mutual funds go, but have outperformed most other funds in the long term. But whatever portion of that money you want to keep liquid, I would suggest something like CDs or a high-yielding money market.

Answer 7

The first rule of investing is to seek professional advise from a fully qualified Independent investment practitioner. If you needed your house rewired you would not ask a passer bye in the street, you would go to a electrician, same thing with money.

Any fool can give advise but as this is all based around your own personal needs, requirements, attitude to risk and times scale. It is very fool hardy to listen to armature Allen Sugars telling you what they would do if it was their money. Its not Its yours, and you deserve the proper advise given by someone who is legally obliged to give you best advise ( and legally liable if they misinform you)

Answer 8

If you want to play safe, I suggest sticking £30,000 on the maximum amount of Premium bonds you're allowed to own
http://www.nsandi.com/products/pb/index.jsp

Stick £50,000 in a Halifax Guaranteed Reserve account
http://www.halifax.co.uk/savings/guaranteed_reserve.asp

Then stick the remaining £20,000 on a high dividend paying share, such as Royal Bank of Scotland... reinvesting the Dividends as you get them (98p per share this year, £1.12 per share next year)
http://quote.fool.co.uk/Hop2Partner.aspx?page=forecasts&symbols=RBS
The idea for this final option stemming from this series of articles: http://www.fool.co.uk/specials/2006/specials060208.htm
If you've never invested in shares before, I suggest you read this article first:
http://www.fool.co.uk/school/2006/sch060130.htm

One more option you may want to throw into the equation, and is something I'm currently trying out with my meagre assets is an online lending & borrowing exchange created by the same bloke who created the EGG finance brand, and called "ZOPA" http://www.zopa.com/ZopaWeb/affiliate/?referral=duck1979
This is the article where I first heard about it:
http://www.fool.co.uk/news/comment/2006/c060406d.htm

Answer 9

That really depends on how safe you want to play the game. Diversifying your investment portfolio can keep you above water during an unstable market period.

My best suggestion would be to leave Las Vegas alone.

Answer 10

The stock market is a little uncertain at the moment and the buy to rent market is fairly over subscribed so I would be incredibly boring and opt for the best return on a deposit with one of the larger building societies. You will probably have to settle for 6% while you are keeping an eye on the market and property.

Answer 11

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