£200k to invest - what would you do ? £200k to invest - what would you do ?
Page 1 of 6 123 ... LastLast
Posts 1 to 10 of 58
  1. #1

    Fingers like lightning

    Spoiler is a permanent contractor


    Join Date
    Jun 2007
    Posts
    621

    Default £200k to invest - what would you do ?

    "A friend" has £200,000 (net) coming their way, and wants to invest it in a lower-risk way that would provide some level of income (i.e. ideally above a standard 1.5% savings account). What would you do ?

    BTL seems the initial choice - maybe a house or a couple of flats, possibly with a small mortgage depending on area and get <10% return. I'm not up to speed on the BTL space, but whilst there seems to be a few more hurdles these days in terms of return, it still seems a reasonable choice.
    One concern is that as an owner of an existing (mortgaged) property, the majority of their 'portfolio' would be in housing.

    Anything else - shares (hands-off tracker-type thing), wine, gold ???

    It probably won't be invested in bitcoin

  2. #2

    More fingers than teeth

    scooterscot - scorchio!

    scooterscot's Avatar
    Join Date
    Nov 2005
    Location
    Anywhere that is not broken Brexit Britain
    Posts
    19,066

    Default

    There's a major recession on the horizon. Your friend's only concern should be about protecting the wealth. A diversified portfolio matters.

    For low risk, stick with commodities. They'll always be needed even during a recession.
    “We've always defined ourselves by the ability to overcome the impossible. And we count these moments. These moments when we dare to aim higher, to break barriers, to reach for the stars, to make the unknown known. We count these moments as our proudest achievements. But we lost all that. Or perhaps we've just forgotten that we are still pioneers. And we've barely begun. And that our greatest accomplishments cannot be behind us, because our destiny lies above us.”

  3. #3

    My post count is Majestic

    AtW is a fount of knowledge

    AtW's Avatar
    Join Date
    Jul 2005
    Posts
    50,702

    Default

    Should have posted in "Ask Darren" thread...

  4. #4

    My post count is Majestic

    northernladuk is always on top

    northernladuk's Avatar
    Join Date
    Mar 2009
    Posts
    39,099

    Default

    I think 'Asking a mate to post on in the General section of a random anonymous Internet forum about what to do with 200k' is possibly the worst start to an investing strategy I've ever seen.
    Last edited by northernladuk; 26th April 2019 at 15:05.
    'CUK forum personality of 2011 - Winner - Yes really!!!!

  5. #5

    I live on CUK

    Old Greg - scorchio!

    Old Greg's Avatar
    Join Date
    Mar 2007
    Location
    The Tombliboo Bush
    Posts
    20,908

    Default

    Quote Originally Posted by northernladuk View Post
    I think 'Asking a mate to post on in the General section of a random anonymous Internet forum about what to do with 200k' is possibly the worst start to an investing strategy I've ever seen.
    We don't see the PMs to scoots.
    Quote Originally Posted by Bean
    I admit that I'm a lazy lying cretin, but so what?
    25 June 2018

  6. #6

    More time posting than coding

    vadhert 's job has never been outsourced

    vadhert's Avatar
    Join Date
    Dec 2011
    Location
    Top of a steaming heap
    Posts
    317

    Default

    Screw investing.

    Go straight to Lambo

    Polishing a turd near you!!

  7. #7

    Fingers like lightning

    stonehenge 's job has never been outsourced

    stonehenge's Avatar
    Join Date
    Aug 2013
    Posts
    545

    Default

    Quote Originally Posted by scooterscot View Post
    There's a major recession on the horizon. Your friend's only concern should be about protecting the wealth. A diversified portfolio matters.

    For low risk, stick with commodities. They'll always be needed even during a recession.
    This.

    Not a bad place to start:
    Harry Browne’s Permanent Portfolio- 2018 update | Financial Page

  8. #8

    Fingers like lightning

    BlueSharp 's job has never been outsourced

    BlueSharp's Avatar
    Join Date
    Jul 2012
    Posts
    502

    Default

    Get proper paid for advice your mate can afford it.

  9. #9

    Fingers like lightning

    Spoiler is a permanent contractor


    Join Date
    Jun 2007
    Posts
    621

    Default

    Quote Originally Posted by northernladuk View Post
    I think 'Asking a mate to post on in the General section of a random anonymous Internet forum about what to do with 200k' is possibly the worst start to an investing strategy I've ever seen.
    Why ? It's not financial advice, they're just after ideas to research

    Got one decent option here so far ...

  10. #10

    Fingers like lightning

    Spoiler is a permanent contractor


    Join Date
    Jun 2007
    Posts
    621

    Default

    Quote Originally Posted by BlueSharp View Post
    Get proper paid for advice your mate can afford it.
    From who ? An IFA on commission ? A respectable financial advice website ? Suggestions ...

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •