Investment Options - Medium/High Value

moremoney said:
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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I just dont want high risk. Stocks and shares ISA's as previously suggested are not high risk, which is why I will be looking into them.
 
panthro said:
I just dont want high risk. Stocks and shares ISA's as previously suggested are not high risk, which is why I will be looking into them.
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Yes but you did say one year.

Any one year investment is not an investment, unless you are into high risk shares.

My advice, keep your money in the bank until you have enough, or are willing to risk it all.
 
moremoney said:
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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Thats not right at all. Paying regular amounts into an ISA is more favorable than putting a lump sum in as I said in my previous post. To say ISAs aren't worth the paper they are written on sounds very Daily Mail to me and completely unjustified.

I would also point out that you mention property and short term investment in the same sentence? Property is most certainly not a short term investment. Although property is a good investment it comes with (IMO) even more risks than S&S ISAs. There is also rumour that now eastern european countries are part of the EU, we will be affected if there is a sub prime meltdown in eastern europe - however I don't believe this.

S&S ISAs are also not really a short term investment. If its only over 1 year then some sort of 12 month savings bond might be more appropriate although gains will be minimal.

Also, premium bonds have lost much of their shine recently as the prizes have been cut dramatically.
 
moremoney said:
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.
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:D:D:D:D:D:D Jeez, you sure do spout some rubbish.... Not just in this post either.

OP: If it is just a year, just stick it in a cash ISA TBH.. You cannot rely on the stock market being higher in just a year than now, esp. if you need it suddenly/ on a certain date.
 
Alliance & Leicester offer a 4% Bond on a two year period. No risk and should keep pace with inflation.
 
panthro said:
I just dont want high risk. Stocks and shares ISA's as previously suggested are not high risk, which is why I will be looking into them.
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You do realise an ISA is just a tax break? it has very little to do with the stock market. It basically means you can "wrap" £7200 in cash or shares in an ISA and no pay tax on the proceeds, if the stockmarket falls you will still lose money.

Be wary getting into stocks right now, I would hold off at least until january. There's a high chance we will dip again next year, see my post here.
 
mcast123 said:
You do realise an ISA is just a tax break? it has very little to do with the stock market. It basically means you can "wrap" £7200 in cash or shares in an ISA and no pay tax on the proceeds, if the stockmarket falls you will still lose money.

Be wary getting into stocks right now, I would hold off at least until january. There's a high chance we will dip again next year, see my post here.
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You will also be able to put £3600 into an ISA now, and £5100 into the same (or a better one) at the end of March. That would be on a no risk, cash only, ISA basis.
 
OP -- You really need to specify the amount of risk you are prepared to take.

Do you want to risk any chance of you getting back less than you invested if things go very wrong? If you are prepared to risk such things, then you will probably get a better return.

It's all about risk versus reward.
 
Scam said:
I'd stop arsing around and just buy a house. Not as an investment, but as a home. :confused:
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:rolleyes:

[TW]Fox;15335396 said:
High value investments, so you have a few million kicking around and you are looking at an ISA for it :confused:
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I guess medium/high value is a relative term for some. High value to me means tens to hundreds of thousands.

To clarify, I am working abroad for the forseeable future with plans to buyhouse outright, and another property on a mortgage within 4 years once I have returned to England (if my current work schedule and plans are kept, however there is no guarantee that this will happen, which is why I dont want my money locked away for 5 years). This is why I do not want to invest it in property.

Thanks to others for the advice.
 
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silversurfer said:
If you are working abroad, take the money with you and invest it there. A pacific tracker maybe
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Im actually meeting with an investment company next week that a lot of expats in my company use. Going to see what they can offer.
I still really need to consider how much I am willing to risk. Several of my friends in Singapore uses this investment company and they have seen an annual return of 10%-12% over the last 2 years, Im not sure of the specifics though.
 
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