Advice on investing a small amount of money...

HummuH1

HummuH1

HummuH1

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Joined
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Edinburgh
My better half and I have a small amount to invest. We have some money in property already so looking at ISA's, various Bonds etc.

Given that this concept is alien to us, what would you reccomend looking at, ignoring any potential tax implications (we'll look into that in due course)? We've done the usual internet scouring so have feel what what's available and what sort of returns we may get, but would appreciate some help from those with knowledge in case we're missing somthing.

We're happy to spead the investments to maximise the return and some risk is acceptable, anthing with a 2 to 5 year term. We don't intend investing directly in shares but would consider bonds linked to stock market performnace or similar.

Only other criteria is that we would need instant access to one of the investments as an "emergency" fund so to speak.

Please help me make some money GD. Thanks.
 
your welcome to invest the money in me.... and as for the return you would get.. well i have these magic beans u see..
 
i have ten hundreth and twelvty seven mate.. im sure we can come to come arrangement, but im sure an ISA is probably the best way forward
 
My Nigerian friend who needs a deposit to collect his inheritance from his father will help, he told me that he should get about 12 trillion Nigerian dollars.
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Goooood morning madame

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Guess I should've known better :D

So far as potential investments I have:

A Geordie
Some Magic Beans
Nigerian Lottery winnings
Some bloke who'll help me free pigeons from banks
Premium Bonds

Better get the missus pished before I run through the options :D
 
Minstadave said:
Haven't they reduced the rates on these recently so they're pretty poor?
Click to expand...

Had a look into it and with the amount we've got, it was suggesting likely annual return would be around 1%, so not attractive. You could be lucky and do much better but I'd rather base my choice on calculated risk rather than luck, although I appreciate the two often go hand in hand!
 
See what Martin Lewis says.

The advice some time ago was to stick it into bonds. Check out NS&I for that sort of time span.
 
Wait for a bit. The stock markets are in turmoil at the moment and shares will likely tumble further...then buy some rock bottom shares and play the long game...i'm waiting for the company i work for shares to drop to 12 or so euros and then wait til they rock back up to double that again after this blip...well that's the hope anyway!

Premium bonds are not really worth the time. Saying that i just won £25. So that'll make £75 in about 4 years. LOL
 
NS&I savings certificate - RPI plus a bonus. Best safe way at the moment. It completely depends on your amount though, if its a grand then why bother, if its £10k think more carefully, etc.
 
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