How would you invest £25k?

Stuff · 25 May 2014 at 13:45

If you had £25k, and want to make a more decent return than from bank interest, and an ISA is already maxed out, how would you invest? It's gotta be fairly safe as part of a retirement fund though, so ideally not 'All on black' etc

Aedus · 25 May 2014 at 13:47

All on red

craptakular · 25 May 2014 at 13:49

Shares in a utility company?

AtreuS · 25 May 2014 at 13:49

A fixed term bond? assuming you dont need fast access to the money.

You would prob make a bout £300 a year but its 100% safe.

Jokester · 25 May 2014 at 13:49

Pension and make sure you get the tax relief.

OhEsEcks · 25 May 2014 at 13:50

10 grands worth of cocaine and 5 grands worth of cutting agent. 10 grand in a locker at the airport with a spare passport incase I have to leave the country quickly.

tamzzy · 25 May 2014 at 13:51

a hooker a day =D

thep02 · 25 May 2014 at 13:57

Physical gold and silver for a decent percentage of the amount.

Richie · 25 May 2014 at 13:57

Stuff said:
... and an ISA is already maxed out,

Wait till 1st July and top up the ISA (if it lets you) to the new £15K limit - circa £4000

Open up 2 x TSB Classic Plus Accounts and put £2000 in each to get 5% Gross.- £4000
Open up a Nationwide Flex and put £2500 in to get 5% Gross.- £2500
**Put the other £10K in a pension fund if possible and get the tax relief. - £14,500

This gives you £6500 funds in easy reach for a rainy day, the rest is locked away for the retirement.

**Alternatively, put the remaining circa £14.5K into the mortgage to pay it down. This may benefit if it brings the LTV down enough to re-mortgage and get aon a better rate. Possibly fix it for 3 years as rates are rumoured to go up in 6-12 months.

Glaucus · 25 May 2014 at 13:59

Aedus said:
All on red

Nah green, bigger win.

Nitefly · 25 May 2014 at 14:01

Pension pot is an easy win. 40 years growth at 5% on £25,000 will return a whopping £176,000. Obviously, that's a long game to play.

I'd put some aside as an emergency fund, treat yourself to something, and put the rest in a pension. Really it depends on your personal circumstances, if you are already saving toward a house deposit then that's not a bad choice either.

[TW]Fox · 25 May 2014 at 14:09

Stuff said:
If you had £25k, and want to make a more decent return than from bank interest, and an ISA is already maxed out

This implies you think an ISA would, if not maxed, be a good rate of return, which means you must think 'bank interest' is 1% or less.

Therefore as a very very very easy option, 20k in a Santander 123 current account pays 3% AER before tax. Beats every easy access ISA and pretty much every fixed ISA even accounting for tax.

therealnerd2 · 25 May 2014 at 14:13

Cheap buy to let flat.

OhEsEcks · 25 May 2014 at 14:21

therealnerd2 said:
Cheap buy to let flat.

You could buy a three bed terrace for £25k in Belfast. Granted it's at the top of the Ardoyne. But you'd be grand so long as you're a Protestant. And don't go to the shops during the marching season.

Azza · 25 May 2014 at 14:40

UK tracker, US tracker, Japan tracker, Pacific ex J tracker, Europe tracker, Global property tracker. Charles Stanley cheapest trackers you can find on there. Sorted.

arknor · 25 May 2014 at 15:20

25% of a housing association flat

Arsonist · 25 May 2014 at 15:24

Penny shares. A poo ton of them. It's the clear way to go.

POB · 25 May 2014 at 15:40

Dogecoin.

Randomface74 · 25 May 2014 at 15:44

1.
Avoiding debt - e.g. overpay mortgage, no finance on cars

2.
Stock market - low risk / high dividend stuff

Randomface74 · 25 May 2014 at 15:45

Nitefly said:
Pension pot is an easy win. 40 years growth at 5% on £25,000 will return a whopping £176,000.

Not in today's prices!