How would you invest £25k
- Thread starter pallys
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pallys said:Dont want to put it back into shares
anybody have any ideas/experiance of better ways to invest/make money ?
There aren't any better ways except business. The statistics for the last seventy years show that no other form of investment beats equities in the long-term.
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Docaroo said:
Financial advisors make a good living by charging people for information they could easily find themselves with some basic research. Their advice often turns out to be poor as well, along the lines of recommending a particular investment fund that pays them commission and turns out to perform no better than the FTSE All-Share. Pack of time-wasting, money-grabbing mouths.
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Deadly Ferret said:
Not all the time, your bank will have (if it's a proper bank anyway) a free financial planning service. Investments are seeing excellent returns at the moment, but you gotta be in it for 3.5 years or more.
years ago i had woolwich shares, i used to track them on teletext, there was a company on the same page - only 1 1/2 p p/share but ever now and then it'd go to 3p, not a lot but you've doubled your money, i always thought of selling the w shares and blonking it on these things, about a month later obviously something big had happened and the shares were about 20p - that is probably the biggest regret of my life not going for it - I'd have made a fortune 
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Kitchster_uk said:
Funny that, seeing as the markets have been seeing excellent returns for about that length of time...
Historically, investment funds rarely outperform the markets by a significant amount. Better off spending a bit of time on it and making superior returns.
I spend two to three hours per week on my trading ISA. The FTSE 100 is currently at around the same level it was at a few months ago when I opened the ISA, but I've made an approx. 80% return. That's done through investing a bit of time and effort, not through paying some salesman in a suit who probably knows less than me, a dedicated amateur, about day trading volatile stocks to make real returns. That's instead of paying suit for the privellege of getting bogged down in some city boy bonus-making fund that might just pay out 80% in three years if lucky. Might lose you 50%, because it's completely unattended and unmanaged on a personal level.
Lock your assets into a fund and, assuming it increases in value, you just get (b-a) as your return after three years. My return would more closely resemble something along the lines of 150(0.1(b-a))...and whether your fancy fund has made or lost you money, whether the FTSE has performed well or not, my trading will have made me a lot of money.
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Dead Dog said:years ago i had woolwich shares, i used to track them on teletext, there was a company on the same page - only 1 1/2 p p/share but ever now and then it'd go to 3p, not a lot but you've doubled your money, i always thought of selling the w shares and blonking it on these things, about a month later obviously something big had happened and the shares were about 20p - that is probably the biggest regret of my life not going for it - I'd have made a fortune
You did the right thing, assuming you have little or nil personal involvement with the markets. It could just as easily have folded as gone to 20p. Penny shares are the riskiest to invest in. I dabble, but low amounts because I'm only an amateur. I have £2k in a small company which I have spent over twenty hours researching in great detail and which I believe will be a ten-bagger by 2010, but other than that all trading pounds go on FTSE 100 companies.
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Dead Dog said:years ago i had woolwich shares, i used to track them on teletext, there was a company on the same page - only 1 1/2 p p/share but ever now and then it'd go to 3p, not a lot but you've doubled your money, i always thought of selling the w shares and blonking it on these things, about a month later obviously something big had happened and the shares were about 20p - that is probably the biggest regret of my life not going for it - I'd have made a fortune
I bet the spread would have been prohibitive anyway.
Probably some outfit like Pan Andean Resources!
+ Beans And Bread, Cheesey Beans On Toast For The Win!mrdbristol said:
I invested a large sum of money in a high interested stock linked bond. This is realted to the FTSE And I am guarenteed 110% Back, So I get my investment + 10% At least, And if the market keeps going as it is im looking to make a nice little profit
Hopefully anyway! Only downside is you cant get at the money for 5 years... But in my case thats good as im very good at spending money..... And I need something left after Uni so I can A) Go traveling and B) Invest in a house/business Deadle ferret I am interested in your experience with the stock market (am about to have a dabble myself) I have emailed and would appreciate any advice you can give. I don't want to detrack from the thread by asking questions here.Deadly Ferret said:
Do a crap load of reading of the right books, ecucate your self properly, practice and then start trading the stock market, if i'd have had 25grand captial at the begning of last year i know for a fact (from the returns i got whilst papertrading) i could have made that into 35k maybe more depending on the risks your willing to take. shame it will take me about 4 years to save up £25k capital, and thats not even enough to make a living out of!