How would u invest £100000?

Dammo Qwirky · Stallion Joined: 29 Oct 2004 Posts: 5882

If you had £100000, how would u choose to invest it?

Property abroad? Which countries are property values fairly low and likely to rise substantially in the next few years?

Property in UK? Where is a good place to invest?

Buy-to-let mortgage?

Stick it in a bank getting 6% or so?

Financial markets in UK? Abroad? If so where and wot?

Premium Bonds?

Buying/selling currencies?

Other commodities?

Some other venture?
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deco121 · Posted: Mon Jan 07, 2008 3:20 am Post subject:

Apparently Bulgaria is "the place" to buy property now. Similarly to Spain years ago and more recently Turkey.

There are millions of ways to invest 100k but if it was me, I'd buy (or at least put towards) somewhere I was going to live for a while and then sell up after a few years at a profit.
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Dammo Qwirky · Stallion Joined: 29 Oct 2004 Posts: 5882

Thanks Deco, I agree with that, much of Eastern Europe is up and coming according to travel agents. Prob lots of bargain properties which could be bought and let in high season.

Cant quite decide wot will happen with housing market in this country. Seems there is a shortfall of houses (hardly surprising with the rate people are coming in) but houses are very overvalued in relation to earnings. Suspect much of the housing market is being kept up by property investors from here and abroad. Was told by an estate agent recently that house prices are levelling off and he suspected they might drop a little before it decided wot to do.
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Lampah · Group 2 Class Joined: 10 Dec 2007 Posts: 220

We'll it really depends on your risk appetite. How agressively do you want to invest this 100k? What are you looking for? Long term? Short term gains? Are you happy to just "beat" inflation? Or do you want more? (more risk ofcourse)
For me,I'd invest in Asian equities. In this current climate I'd go for high dividend blue chips as opposed to mid to small cap growth stocks. You'd have the potential for currency gains on top of the possible capital gains and dividend payouts. Yes Asian bourses have gone up over the course of the last 18 months or so but you can hunt for some stocks that have underperformed( and have the potential to rebound) their respective markets. If you'd rather not bother with day to day management of a stock portfolio you could just buy unit trusts or just get a fund manager to invest for you with you stating the kind of investment mandate you'd like and what kinds of returns you'd like. Agressive or otherwise.
PM me if you'd like me to email you some Asian market research, stock picks etc.

Dammo Qwirky · Stallion Joined: 29 Oct 2004 Posts: 5882

A fairly low risk return of 10-15% would do me just fine really. Figure I should prob be able to get double wot I get in the bank. Dont really keep track of financial markets any more so not summat I have much confidence in. Also concerned with the way world markets might perform this year. Seems a lot of uncertainty around, dunno how it translates on a global scale.

I would be interested to see yer thoughts on asian markets etc so please pm me that and I will have a read. Is dabbling in this kind of thing summat u do much and are u successful?

Thanks for yer insight. Smile

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Lampah · Group 2 Class Joined: 10 Dec 2007 Posts: 220

Yes the first half of 08 is expected to be extremely volitile due to a number of reasons, the economic situation in the US, high oil prices to name a couple. Its not as easy as last year to make profits but its still possible.

fairfranco · At Stud Joined: 17 Nov 2005 Posts: 4243

A mate was trying to get me involved in buying a house in Bulgaria last year however when I looked into it more I saw that Bulgaria appeared to be somewhere that wouldn't have a major growth.

While joinning the EU should help push the prices up a bit their simply isn't the tourist interest to really get the money that places like Prague were a few years ago.

If you look around there are so many people trying to sell houses/apartments (In Bulgaria) to English people that the market is just flooded which is keeping the price pretty low.

If you got the right location houses abroad can make huge returns but there is quite a lot of work involved in finding the place then if your buying to let you would then need to deal with everything that comes with owning and renting out a house (bills, upkeep etc) even if your paying someone else to do that there's sitll quite a bit of involvement.

Sounds like Lampah knows his stuff, I work in a Fund company and certainly for large amounts of cash it seems to be the most popular vehicle at the moment, from my place there's new types of hedge funds cropping up all the time. I've no knowledge on any of this stuff though as I'm in IT (the business talk about funds is beyond me!).

Antony OLBG · Stallion Joined: 26 Mar 2003 Posts: 5698

It depends so much on your timeframe and access to the money as well as the risk.

If you have a long term view then property has always been good so far although its useless if you need access to the cash quickly. If you dont own your own home then Id say that would be a good place to start as then you get the benefit of the "investment" as well

gecko6 · At Stud Read My Blog! Joined: 20 Oct 2006 Posts: 3016

hi DQ

investment ? usual questions are what return and when and how risk hungry or adverse are you etc big difference as you know between risk/reward... if you want 15%, are you prepared to risk the whole lump to get it, or prepared to risk a portion in higher-risk ventures and the majority in safer vehicles etc

property > risky anywhere with the current global economic outlook... unless you find some soon-to-be-popular holiday hideaway...

UK property is iffy at best... general consensus is a small drop on prices next yr although I've seen some predicting up to 30% - current credit crunch is tip of iceberg as its leading to knock-on effect on all debt > the cheap credit boom fuelled the buy-to-let market and now they are suffering its likely there will be more property available - that linked with less mortgages available means likely drop in demand which means one thing

stick it in a bank wouldn't even beat inflation the way prices are likely to shoot up

foreign markets > not an expert but have read that china is over-heating and japan is much BetterBet but lampah is your guide on this undoubtedly
> emerging markets are popular (eg brazil) but who's to say which ones will continue well and how do you want to invest in them ?

UK markets will struggle but there are still gems to be had.. and some safe defensive stocks that pay good dividends (which are well covered by their cash piles) > funnily enough, I've just invested similar sum with my pension.. made 15% in 6 mths but that was on 2 stocks... and included divis and interest re-invested... (what goes up can come down blah blah)

premium bonds - maximum is £20k I think..you get your dough back I guess..and could win!

currency trading is a plan, especially as sterling is supposedly going down at speed, euro looking ok... but you would need advice from an expert I guess

commodities are an idea > prices are flying due to worldwide shortages (wheat etc)... oil you can take either view eg up more or down... gold silver and platinum trading are all tipped currently

some other venture ? haha... could be interesting!

* all of these comments are purely my humble opinion.. you probably know all of this already mate!

manchestermike · Group 2 Class Joined: 22 May 2006 Posts: 173

Art... street art to be precise. A massively growing area with some great artists, Banksy, Adam Neate, Antony Micallef to name just three... I would go on and bore you but if you are interested drop me a PM and I can tell you more

turfline · Group 1 Class Read My Blog! Joined: 21 Jul 2007 Posts: 341

VERY CAREFULLY...The old saying never put your eggs all in the same Basket.Dont pay for advice and research the market yourself...But if you have the time to read a book that i have posted on this site before, that makes you look at making profits in any sphere, go out and purchase (Investing in Stocks & Shares) by Dr. John White, printed by www.howtobooks.co.uk and read it at least 3 times until you now every paragraph by memory, and keep it handy for quick browsing whenever.

Dammo Qwirky · Stallion Joined: 29 Oct 2004 Posts: 5882

thanks for all the opinions guys, still mulling.
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