Investment Options - Medium/High Value

panthro

panthro

panthro

Soldato
Joined
19 Nov 2004
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Location
Wokingham
Hi guys, I have a reasonable amount of money that I would like to invest somewhere that will give me a reasonable return, over a minimum period of 1 year, with the option of a fixed amount to pay in.
Im not a homeowner. I do not want to invest it in property yet.
I currently have an HSBC ISA and an HSBC Online Saver, both are offering me terrible interest rates.
I considered the high interest fixed bond savings that offer you 5% and over, however they have 5 year terms and I didnt want a term that long.
I would be interested in stocks and shares but I have no experience and I am not looking for investment with a high risk.
What other options are available to me?
Or can anyone point me in the direction of some websites and forums that are specific to my topic? Cheers :)
 
Had a look on there, its a good site and very useful, was just wondering if anyone had any personal recommendations :)
 
Play the Market virtually to see how you get on for a number of months. That way you can learn by experiences without the loosing money. Trading the stock market requires dedicated research every day. i.e. company profiles, interim and yearly projects profit forecasts and dividend dates etc.. It's actually quite difficult to make a quick high return unless you have some inside knowledge so maybe long term holdings may suit you better.

Remember too, that your dividends and profits are taxed, and the agent/stockbroker may charge you fees. Even if you don't make any trades.

Do your homework very carefully.
 
panthro said:
Hi guys, I have a reasonable amount of money that I would like to invest somewhere that will give me a reasonable return, over a minimum period of 1 year, with the option of a fixed amount to pay in.
Im not a homeowner. I do not want to invest it in property yet.
I currently have an HSBC ISA and an HSBC Online Saver, both are offering me terrible interest rates.
I considered the high interest fixed bond savings that offer you 5% and over, however they have 5 year terms and I didnt want a term that long.
I would be interested in stocks and shares but I have no experience and I am not looking for investment with a high risk.
What other options are available to me?
Or can anyone point me in the direction of some websites and forums that are specific to my topic? Cheers :)
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Sorry but if you have no shares experience, and you NEED this money for something in the future, stay away from investing in stocks yourself; you are asking for trouble.

Through an index tracker or fund is a different matter though.....
 
Bes said:
Sorry but if you have no shares experience, and you NEED this money for something in the future, stay away from stocks; you are asking for trouble.
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Yes, I need the money for property, but as I am paying in a regular amount every month and will be adding to it for at least the next year so was keeping my options open.
 
You can get shorter term bonds, eg 3 years?

Or a conventional/index linked gilt? These are probably longer term investments then you're after but you get paid the interest in six monthly periods.

Regardless, a short term investment won't produce the best yield.
 
panthro said:
I would be interested in stocks and shares but I have no experience and I am not looking for investment with a high risk.
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As you mention your HSBC ISA is offering terrible rates, I assume its a Cash ISA?

If so you can invest into a Stocks and Shares ISA. Its less risky than investing directly onto the stock market.

As for risk itself, if you speak to a good IFA, they will do a proper risk profile on you and from there either recommend a selection of funds or indeed a portfolio of funds depending on your needs and the amounts involved.

One thing people tend not to understand is that investing in stocks and shares ISA does not mean you will lose all your money. Proper fund management can see you enjoy rises when everyone around you is falling like a stone.

Gains over the last few months have been fantastic in the corporate bond sector although this has tailed off. Equity has been very good. East Asia for the brave and Property has been making a welcome return. Also look into "absolute" and "total return" funds - these make a good backbone to any portfolio if chosen wisely and in relation to your risk profile of course.

As you are paying per month you benefit from fluctuations in pricing rather than all in at one price point.

My only proviso would be to stay very cautious until the new year. If the "double dip" theory comes true its likely to come in the new year if we have a terrible xmas.
 
I haven't seen anyone on here really recommending having your money managed by a proper investment banker type. Why not?
 
Short term?
You will lose money because you have little or no idea.

Long term gold, oil, gas, electicity,travel.

ISA'S. For tax benefits but in reallity unless you have thousands to invest it is not worth the paper it will be writen on.
 
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I have invested money for years, ever since Maggie promoted buying somthing that you already owned.

IE, gas, electicity, water, phones, rail networks (opps), they are coming back to nationalization because they have been raped of enough money already.

So no there is no short term gain worth the effort. Unless you can invest thousands.
 
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moremoney said:
Short term?
You will lose money because you have little or no idea.

Long term gold, oil, gas, electicity,travel.

ISA'S. For tax benefits but in reallity unless you have thousands to invest it is not worth the paper it will be writen on.
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I do have little or no idea, which is why Im asking for advice and doing a lot of research. Short term for me is 1 year, possibly longer but dependant on my job situation.
 
Investing long term, or even short term in property, is your only sensible option, otherwise you could lose money in a short term risk.

Or put money in premium bonds.

I have £20000 in premium bonds, and even tho i have not won the big one, i do win every 2 months min on average.


There really is no such thing as a quick buck unless you gamble big time.
This is real life not the movies.
 
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The option i would and did choose, would be to buy a run down house and use my skills to make it better and sell it on.

If you have building skills then DO IT NOW you will never get a better chance.

Property opportunities only come round once in all of our life times.
 
moremoney said:
Investing long term, or even short term in property, is your only sensible option, otherwise you could lose money in a short term risk.

Or put money in premium bonds.

I have £20000 in premium bonds, and even tho i have not won the big one, i do win every 2 months min on average.


There really is no such thing as a quick buck unless you gamble big time.
This is real life not the movies.
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I never mentioned I wanted to risk the money. I said totally the opposite in my first post. I also said I wont be investing in property, I do not live in the UK and I do not have the time to renovate a run down property.
 
panthro said:
I never mentioned I wanted to risk the money. I said totally the opposite in my first post. I also said I wont be investing in property, I do not live in the UK and I do not have the time to renovate a run down property.
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1/ If you don't want to risk the money how do you expect to make an investment in one year.

2/ Good luck with not risking your money,, life, happiness,
 
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