What return do you get on your investments

cheap credit - good times
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cant last, lock it in is my thoughts. Latest phenomena is bond yields rising fastest in years which has tied into what mortgages cost often though not so much now as we have gov funding.
Meanwhile gov dont have much money, is actually a massive borrower itself so I presume we return to the norm at some point

If there was a way to buy a car on a ten year fixed loan, I would start to wonder if it could be called an investment. Cant know till the end but its possible even on a loser like a car. On the rental, costs are possibly deductible from existing taxes? hence that yield is ridiculous. Renting a room is tax free income, for many years now (but not cost deductible)

500 is a lint covered chewitt in the big scheme of things (ie costs can swallow any profits) but Nationwide give 5% on their new current ac and theres things like circle funding which can yield high with no fixed costs afaik.
Buffet always insists the first million is the easiest, I wish

Clipsey said:
After 30yrs of payments you no longer have to pay in but you still get the dividents etc, 40 yrs value of $800k etc with huge dividends.
...............I think :D
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Sounds like how endowment mortgages turned out, the biggest gainers were the salesmen who of course happily believed it possible. In the early nineties it was feasible, just looking at ftse if only that incline had maintained but it didnt
 
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elmarko said:
Work share incentive plan & share-save are both OK.

For the SIP over 5 years I'll put in £3,600 & get out at least £10,800 (more likely £13,000) (2 free matching shares) - assuming share prices at least remain stable (historically they have been pretty stable - with a slow increase) - the added benefit of this is the salary sacrifice element (so works out even better).

For the share-save I get 20% off the price (at today's rate, for 3 years) - so assuming the share prices behave in a similar fashion to the last 3 years I'll make about 30% (so £9k in, £12k out)

Sadly they limit the amount you can put in, but you can join one each year.

If (need to confirm this) I can join 3 at once at the maximum rate (£250 a month for each one, so £750 per month total) I may be able to get one to mature each year, with the SIP shares maturing monthly after 5 years (which should be cool) but I'm not 100% on the share-save one yet.
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We also have a the share-save scheme at my work which along with the SIP and my free shares (which are calculated as a % of my annual wage) should provide a healthy return on the investment I'm currently making. I could cash these in (or sell them) after three years but I'd have to pay national insurance and income tax. Or I could keep them for five years and not have to pay either. However my understanding is if I wish to move more than 10K I maybe liable to capital gains tax? Either way it's a good way to save money which will provide a much more healthy return than my ISA's or bank account interest.
 
Correct, more than £10k would be subject to CGT. Easily done if you're on a SAYE 5yr scheme putting in £250 a month at a decent option.
 
Sonea Fifer said:
We also have a the share-save scheme at my work which along with the SIP and my free shares (which are calculated as a % of my annual wage) should provide a healthy return on the investment I'm currently making. I could cash these in (or sell them) after three years but I'd have to pay national insurance and income tax. Or I could keep them for five years and not have to pay either. However my understanding is if I wish to move more than 10K I maybe liable to capital gains tax? Either way it's a good way to save money which will provide a much more healthy return than my ISA's or bank account interest.
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Can you put them through your wife to save tax? My mrs works part time so after 3 years I will put them in her name and pay very little tax.
 
You can transfer the shares from the SAYE into a spouses ISA, avoiding CGT on anything under the taxable limit I think.

In any case you can always exercise the option for the full amount and give some to a spouse.
 
arekgreenman888 said:
So at moment having some spare cash £500, whats best way to invest? May be green one too. I wanna buy nice things with profit for my girls... ta
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Can't do much with £500.

Best bet if you want to make a decent amount of return on that would be a high risk AIM listed basic resources company. Find a penny stock in the oil exploration business and keep your fingers crossed.

You will probably lose it all but there is that 1% chance that they hit a really decent find and you quadruple your money sometime in the next 2-3 years.
 
Bought £10,000 AAPL at $100, sold at $700 :cool:

I've since stopped trading, although I did buy £5,000 GOOG at $400 and sold at $650 in that time (2008-2012)
 
isonomicjedi said:
You will probably lose it all but there is that 1% chance that they hit a really decent find and you quadruple your money sometime in the next 2-3 years.
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The trick there is to avoid AIM companies that issue shares like confetti. And/or get a company with no debt which would exclude most mining firms as they spend a lot
Thats your money they are spending, I like Heritage because the guy who runs it also owns about a third of the company so he isnt going to shoot himself in the foot hopefully. [however its performed bad so far anyway]

But really if we are talking kids money, the high risk option should be unit trusts.
I like asia pacific tracker, its really low cost and its possible for it to double at best and it wont ever go to zero as its spread over 5 different countries, they cant all have a revolution
In comparison aim is like russian roulette, high risk good reward should mean never take singluar shares as a good idea. Sometimes isa can even give signup cashback, just about the most perfect use of 500 would be on such ideas

everyone forgets to mention their losses
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I 'lost' google. I thought great company, good potential, but the shares at $100 or whatever it was were a bit expensive. That was a bit thick
Ditto Microsoft in 1990, good share to buy, windows will be a revolution vs dos but did I actually put the money down, nope. JII in 2000, filled out the forms, wrote the cheque, didnt post and it quadrupled. FTSE was cheaper so got that, false economy
 
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isonomicjedi said:
Can't do much with £500.

Best bet if you want to make a decent amount of return on that would be a high risk AIM listed basic resources company. Find a penny stock in the oil exploration business and keep your fingers crossed.

You will probably lose it all but there is that 1% chance that they hit a really decent find and you quadruple your money sometime in the next 2-3 years.
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am looking for safe investment. There must be something better to stick £500 than 2% isa?
 
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