Investing over 10+ years

jsmoke

jsmoke

jsmoke

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Joined
17 Jun 2012
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Will come into some inheritance some time in the future - a lot for me.

My knowledge of investing is short and long term, low-high risk.

Beating inflation is the name of the game. So for say a 10 year medium risk investment what are the best options. Should you look for a fund manager or speak to a bank or independent financial advisor.

Any realistic way of getting say a 10% yearly return over 10 years, ideally higher. As far as I can see, 10% is pretty high, 20% would be insane that only hedge funds or people in the know or with a lot of money can achieve. I suppose if there was then everyone would be investing in it.
 
A rough figure of how much you're looking to invest will help those in the know. Property for example could achieve over 20% but not that plausible if you've only got £10k.
 
If you're not interested in researching the stock market the you could open a trading ISA (tax free) and invest in something like this https://investor.vanguard.com/mutual-funds/lifestrategy/#/

I made my own portfolio with some returning up to 18% and others 3% but over all a good investment.

Also look at 'Help to Buy ISA' if your a first time buyer and the new 'Lifetime ISA' provided by the government.....Government top-up of £1 for every £4 contributed
 
ObSene said:
If you're not interested in researching the stock market the you could open a trading ISA (tax free) and invest in something like this https://investor.vanguard.com/mutual-funds/lifestrategy/#/

I made my own portfolio with some returning up to 18% and others 3% but over all a good investment.

Also look at 'Help to Buy ISA' if your a first time buyer and the new 'Lifetime ISA' provided by the government.....Government top-up of £1 for every £4 contributed
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This is very good advice. Vanguard Life Strategy are some of the most reliable funds by a long shot.

The Liftetime ISA also looks really good but I'm hoping they announce some of the other "major circumstances" where you'll be able to withdraw without penalty before they launch the products.

If you're inheritance is significant please do consider visiting a financial adviser or two. They seem to be a slightly vilified profession for some reason.
 
ObSene said:
If you're not interested in researching the stock market the you could open a trading ISA (tax free) and invest in something like this https://investor.vanguard.com/mutual-funds/lifestrategy/#/

I made my own portfolio with some returning up to 18% and others 3% but over all a good investment.

Also look at 'Help to Buy ISA' if your a first time buyer and the new 'Lifetime ISA' provided by the government.....Government top-up of £1 for every £4 contributed
Click to expand...

Thanks.

Is the 18% consistent, I take it that would be the riskiest Vanguard fund, risk level 4, any more info on that would be great, 18% does sound very high, but then so would the risk of losing all your money, but you could essentially take a decent salary from that kind of return.
 
Depends largely on how much you have. If you have enough then more options become open to you (such as a Hedge Fund with absolute returns, etc).
 
jsmoke said:
Thanks.

Is the 18% consistent, I take it that would be the riskiest Vanguard fund, risk level 4, any more info on that would be great, 18% does sound very high, but then so would the risk of losing all your money, but you could essentially take a decent salary from that kind of return.
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Timing is everything, so what returned me 18% won't necessarily return you 18% so please don't take this as financial advice...

An example of one of my high yielding investments would be the S&P 500 - about a year ago it dropped to about 1800 so seeing an opportunity I put some money in 'VANGUARD FUNDS PLC S&P 500 UCITS ETF INC GBP' @ 2,370.1177p a share and today those shares are worth 2,769.50p a share giving me a yield of 17% plus dividends. Would I invest in the S&P500 now? Maybe not as it's running at a near all time high

Take your time to learn about different investments and find your appetite for risk.
 
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Russinating said:
A rough figure of how much you're looking to invest will help those in the know. Property for example could achieve over 20% but not that plausible if you've only got £10k.
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People jumping on board the property train now won't get anything like 20pc per year for 10 years. If you're going to invest, put your money in a business that makes things, rather than sinking it in something unproductive like property.
 
ObSene said:
If you're not interested in researching the stock market the you could open a trading ISA (tax free) and invest in something like this https://investor.vanguard.com/mutual-funds/lifestrategy/#/

I made my own portfolio with some returning up to 18% and others 3% but over all a good investment.

Also look at 'Help to Buy ISA' if your a first time buyer and the new 'Lifetime ISA' provided by the government.....Government top-up of £1 for every £4 contributed
Click to expand...

This. You cannot 'beat the market' unless lucky. Just track the market with these funds. Also the selection makes it **** easy to choose your level of risk / volatility that your are wanting.

We are in interesting times (although I am sure every generation says that). A recovery built on printing money (QE) and rock bottom interest rates means that growth is very hard to come by. My crystal ball says that we are in for a long period of stagnation and next to no growth. Investors are taking increased risks to eek out any growth, this can only end badly. Settle for less is my motto for these times.
 
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Holiday home abroad that suits your family's requirements and can be let out to friends/family when you don't need it?
 
Holiday homes tend to be awful investments.

Getting advice is good but the quality of that advice will differ significantly based on how much money you have. Less than a certain amount you're unlikely to get anything "interesting" or groundbreaking brought to you or have anything available to you. If it's in the 5 or low 6 figures you're probably best paying down your mortgage, maxing out your ISA, and having a good holiday or treating yourself to a car or something.
 
EddScott said:
I'm in client wealth management and all my portfolios contain the Vanguard Lifestrategy funds. Cheap and reliable.
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that's interesting - i'm an IFA and I have a fair amount in Vanguards LifeStrategy® 60% Equity fund for my clients - agreed at 0.24% OFC cost it's a no brainer backed up with decent performance!:p

@OP - if it's a reasonable sum of money - go see an IFA for an initial chat. If it's £10/£20k, invest it yourself
 
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mulpsmebeauty said:
People jumping on board the property train now won't get anything like 20pc per year for 10 years. If you're going to invest, put your money in a business that makes things, rather than sinking it in something unproductive like property.
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I seem to remember people saying something similar to this on this very forum 10 years ago.
 
Em3bbs said:
I seem to remember people saying something similar to this on this very forum 10 years ago.
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Prices haven't increasedd at 20% per year for the last 10 years.

Not even close. 20% for 10 years is a 5x increase in value (or 6x original value).
 
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