Jules S
Premium Member
Registered: 24th Dec 03
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I'm sure i'm going to get 'see a financial advisor' posts but who cares...
Any ideas peeps? I would prefer some impartial advice...not a sales pitch from those on commission.
Need to invest 25k over 18 months
best so far is the post office...only just looked mind 
[Edited on 27-02-2007 by Ian]
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Robin
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Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
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How risky do you want to go?
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mav
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Registered: 19th Jun 01
Location: Scotland
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the 'mav' investment fund
Put loads in and get feck all back in 10 years..............
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John_C
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Registered: 5th Mar 03
Location: South east, Bromley
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http://www.sfsinvestdirect.co.uk/pages/tim/home
shows popular funds and their returns
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topshot_2k
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Registered: 1st Dec 03
Location: Northampton Drives: Pug GTi-6
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I have Target return funds, tracker fund and an ISA gives a good range of investement types imo
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Cosmo
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Registered: 29th Mar 01
Location: Im the real one!
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for 25k go and see an independent financial advisor.
If you really really dont want to I can ask my Dad what he would do and U2U you, but he'll probably say the same!
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Jules S
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Registered: 24th Dec 03
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The thing is cosmo, its only going to be for 12-18months...then it's being chucked at reducing the mortgage.
At the mo its in the pos office getting 5.5% instantly
next
So far 1 ISA for me and one for the missus....7% tax free
we are considering some premium bonds and stopping doing the lottery
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Tom
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Registered: 3rd Apr 02
Location: Wirral, Merseyside
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Premium bonds is a better long termer but yeah you 'could' win
IBloke I know who has just gone through divorce (and luckily moved onto a nice rich lady with her own gaff ) has just chucked about £30k into premium bonds and been on a bit of a spending spree 
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Cosmo
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quote:
Originally posted by Jules S
The thing is cosmo, its only going to be for 12-18months...then it's being chucked at reducing the mortgage.
12-18months is a fairly long term investment though, they would def be able to advise you for the best option (money made vs risk).
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Jules
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Registered: 26th Nov 04
Location: Ipswich, Suffolk Status: Happy
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Premium bonds - no risk as you get your money back at the end and the more you have the more chance you have to win money.
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drunkenfool
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Registered: 7th Feb 03
Location: Hereford Drives: Audi R8 V8
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I'll ask my mum next time she's on msn, shes an independent financial advisor
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Cosmo
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Registered: 29th Mar 01
Location: Im the real one!
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quote:
Originally posted by drunkenfool
I'll ask my mum next time she's on msn, shes an independent financial advisor
who does she work for?
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Robbo
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Registered: 6th Aug 02
Location: London
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UK or US Government bonds - THE highest return money can buy with virtually no risk at all...
Otherwise maybe invest in EIS shares or VCT (wiki or google them) via private equity firms or invest in Hedge Funds but given the stock market crash last week your probably best avoiding those in the interim
PS 12-18 months is pretty short term and you'd make more just paying off the mortgage now...
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Cosmo
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Location: Im the real one!
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quote:
Originally posted by Robbo
PS 12-18 months is pretty short term
that depends what he is investing in
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Robbo
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Registered: 6th Aug 02
Location: London
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Pretty short term all round really... certainly if the end point is to put it against the mortgage, as said, may as well just pay it off now as the interest on that will be more than you are going to make in most circumstances inside of 18 mths
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Cosmo
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Registered: 29th Mar 01
Location: Im the real one!
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25k over 18months with a decent stockbroker would return a lot more than interest on the mortgage. But saying that it is probably more risk than he would want.
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Robbo
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Registered: 6th Aug 02
Location: London
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that what i mean, with money destined for a mortage i would guess low risk
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Dan
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Registered: 22nd Apr 02
Location: Gorleston on Sea, Norfolk
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on the premium bond note, my step dad has 25ks worth, he has on a min of 50 a month for 5months, 2 of them 5 have been 200 and 1 at 100...pretty good return tbh
Adult GiftsClick here to vist us
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drunkenfool
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Registered: 7th Feb 03
Location: Hereford Drives: Audi R8 V8
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My mum said....
"£3,000 to Cash ISA now and another £3,000 6th April - tax free instant access 5.5% interest for starters. £10,000 to Nat Savings Premium Bonds and the rest in an internet savings account like Ing or a 90 day notice account at the bank/bsociety. I guess internet is better rate "
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Robbo
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Registered: 6th Aug 02
Location: London
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Thats an exceptionally base way of doing things but is entirely risk free... I would still suggest gov't bonds/gilts as the return is even better and risk even more minimal
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Cosmo
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Registered: 29th Mar 01
Location: Im the real one!
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quote:
Originally posted by Cosmo
quote:
Originally posted by drunkenfool
I'll ask my mum next time she's on msn, shes an independent financial advisor
who does she work for?
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