Norfolkred1
Well-known member
I'd expect a better return with that.
Premium Bonds
- Thread starter Norfolkred1
- Start date
Nobby_Barnes
Well-known member
Think I'll stick to Ethanol in that case Hahahhaha
ChrisTheRed
Well-known member
Or buy a Campervan and rent it out. Huge rates achievable especially with people staying in the UK
Zoophonic
Well-known member
Thats sound advice. This site gives you the market belt and braces.
Guide To Renting Out Your Campervan Or Motorhome
Maximise your return on investment with our comprehensive guide to renting out a campervan or motorhome in the UK!
www.camplify.co.uk
Thats sound advice. This site gives you the market belt and braces.
Guide To Renting Out Your Campervan Or Motorhome
Maximise your return on investment with our comprehensive guide to renting out a campervan or motorhome in the UK!www.camplify.co.uk
The OP said he had £10K to invest. I doubt you'd get much campervan for £10K.
The premium bond returns will decrease when the Bank base rate reduces in the next few months. If the base rate goes to 0%, or negative, then you might expect the Premium Bond return to decline to 0.5%.
Anton_Berg
Well-known member
I've always liked the fact that you can't win more than a million quid. Not enough to interest the media or disrupt your life.
BaronSmoggie
Well-known member
I've been looking at this lately. I moved some money around so I have a mix of PB, I opened a new stocks and shares ISA through our company pension scheme, I've started buying gold kruggerands as a long term investment as historically gold increases and the price has dropped recently and I have a bit of money left over to start dabbling with crypto, but I have a lot more reading to do before I say Hello Coinbase.
Its all about diversifying so if something tanks, you don't lose it all. I think the days of leaving it in the bank with interest are long gone. Plus with the BoE notifying banks of potential negative interest rates in the next 6 months, it'll actually cost you money to leave it in the bank. Thats not working at all.
Its all about diversifying so if something tanks, you don't lose it all. I think the days of leaving it in the bank with interest are long gone. Plus with the BoE notifying banks of potential negative interest rates in the next 6 months, it'll actually cost you money to leave it in the bank. Thats not working at all.
Andy_W
Well-known member
Bonds are pointless unless retirement is imminent or you have no emergency fund set aside, anything less than 2% is pointless as you won't beat inflation. 1% interest is really a 1% loss.
I've got plenty of time, so I can absorb plenty of short term risk, and with that in mind, I've just put my yearly ISA max into a couple of vanguard index funds and will be doing the same again in April, the one below gets about 12% per year, and it compounds.
www.vanguardinvestor.co.uk
A lot of the "all-world" funds are typically avoiding the UK, because of brexit, I'll probably move over to those after summer.
Look at SMT too, they typically go up about 20% per year, but they doubled last year.
Both of these are risky short term, but long term (or over 3 years) the risk v reward is massive.
There may be a bit of a market dip coming, but even if so, it will recover in a year or two. The same again though, there may be a boom once things reopen fully (although a lot of this is already factored in with a lot of prices).
I've got plenty of time, so I can absorb plenty of short term risk, and with that in mind, I've just put my yearly ISA max into a couple of vanguard index funds and will be doing the same again in April, the one below gets about 12% per year, and it compounds.
Vanguard Asset Management | Personal Investing in the UK
Look at SMT too, they typically go up about 20% per year, but they doubled last year.
Scottish Mortgage Investment Trust | Global Investment Trust | Low-cost Actively Managed Equity Fund | Baillie Gifford | Individual Investor | Baillie Gifford
Find out more about Scottish Mortgage Investment Trust.
www.bailliegifford.com
Both of these are risky short term, but long term (or over 3 years) the risk v reward is massive.
There may be a bit of a market dip coming, but even if so, it will recover in a year or two. The same again though, there may be a boom once things reopen fully (although a lot of this is already factored in with a lot of prices).
BaronSmoggie
Well-known member
The Scottish Mortgage one is interesting, but wow, it invests in some s***y companies.Bonds are pointless unless retirement is imminent or you have no emergency fund set aside, anything less than 2% is pointless as you won't beat inflation. 1% interest is really a 1% loss.
I've got plenty of time, so I can absorb plenty of short term risk, and with that in mind, I've just put my yearly ISA max into a couple of vanguard index funds and will be doing the same again in April, the one below gets about 12% per year, and it compounds.
A lot of the "all-world" funds are typically avoiding the UK, because of brexit, I'll probably move over to those after summer.Vanguard Asset Management | Personal Investing in the UK
Look at SMT too, they typically go up about 20% per year, but they doubled last year.
Scottish Mortgage Investment Trust | Global Investment Trust | Low-cost Actively Managed Equity Fund | Baillie Gifford | Individual Investor | Baillie Gifford
Find out more about Scottish Mortgage Investment Trust.www.bailliegifford.com
Both of these are risky short term, but long term (or over 3 years) the risk v reward is massive.
There may be a bit of a market dip coming, but even if so, it will recover in a year or two. The same again though, there may be a boom once things reopen fully (although a lot of this is already factored in with a lot of prices).
Abel Tasman
Well-known member
That’s why he up is getting 12 %!, There has to big risk there because the compound growth in FTSE companies is about 4% Annually.
BaronSmoggie
Well-known member
Not what I meant. Tencent, Tesla and Amazon. Three companies with known s***y employee welfare practices, very anti union to the point of firing works and government ties and sharing user data with governments. Working in IT, that kinda puts me off.
SalfordBoro
Well-known member
give it to me lad, I've got a lot of ways to spend your money wisely, I think you owe me about a dozen pints so that will do for sarters
Andy_W
Well-known member
Yeah, there's not a lot of room for thinking about that when investing, unfortunately, especially not in a fund like this
I'm not keen on that Tesla one but that was as of 31/12, and I wouldn't be surprised if they've got out or are getting out of that, the price is too high.
But, I know nothing compared to what those guys do, so I'll just leave that up to them.
Same_as_before
Well-known member
Not all shares, even Blue Chip as in M&S, the banks can go pair shaped.
It's all a gamble.
Andy_W
Well-known member
Over 5 years it's been about 350%, it's insane. I don't for one second think I'll get 350% in the next 5 years, but hopefully will double my money in 10 years, hopefully in 5. There will definitely be some dips along the way, but I'm not bothered, I don't and shouldn't need to take the money out in a dip, hopefully I'll have more saved to buy more at the next dip.
This is probably more suited to younger people and those with more disposable income, but it should be a good earner long term.
Their investments are split over about 3 pages, so it's well diversified, and about 20-30% is typically invested in smaller companies that are not yet listed, but which can have massive growth.
I want to get out of property (apaprt from the house I live in), in the North East at least, so going to punt half of what I get into funds and maybe sit on the rest until there's some dips.
This is the 10 year chart for SMT v Gold and also the FTSE 250.
Just to be clear though, I'm not a financial advisor, I just run a couple of businesses, and SMT is not for everyone, it's probably only for a select few who can afford to take the risks. I'm only doing this with about 25% of my cash, but I expect it will make similar gains to where I put my other 50% in other safer index funds, I'll be keeping about 15% leftover and putting 10% in maybe 10-20 fairly risky stocks. It might all be worth 50% in a year, who knows, but after 10 years it will be worth far more, and if it isn't there's going to be more pressing things to worry about.
Last edited:
SmallTown
Well-known member
You haven’t got the sharholders mindset have you? Investing in companies that treat their employees badly is the way to go. They aren’t wasting your profits on helping the workers.
Shareholders love a good redundancy. The irony wasn’t lost on my when GSK made me redundant but the value of my shares went up. So swings/roundabouts
BaronSmoggie
Well-known member
I don't have a shareholders mindset, you are correct about that. I'd rather shareholders get a return AND the employees be treated fairly. But that utopia doesn't appear on the horizon.
SmallTown
Well-known member
No it seems one or the other sadly.
Borotommo
Well-known member
Do your own research, but this is a company I invested 10% of my pension in. I know the company very well and their growth plans are substantial. I bought at €100 but anything under €400 should be a good price to get in.
This is not advice!
www.sartorius.com
This is not advice!
Investor Relations | Sartorius AG
Sartorius is a leading international partner for the biopharma sector. Our solutions are supporting customers to develop and produce drugs safely, timely and economically. The Group has been annually growing by double digits on average and has been expanding its portfolio by acquisitions of...