ВЈ27.000, best investment?

My husband has taken early retirement, he will be 57 this year.
We would like to save it for a few years and get the best yield.
Thank you for any sensible advice.

I think you should invest it wisely and use the income too boost your pension and leave the capital to your offspring, for their pension.So:

When you get the money, invest ВЈ3000 each of you, into Mini Cash ISAs paying about 6% pa. tax free and the rest in cash deposit also paying 6% but liable to tax. Each financial year transfer ВЈ3000 each into Mini Cash ISAs, protecting them from tax. In the end you will have the whole sum yielding 6% (or ВЈ1620 pa) secure, tax free, income. Have a happy retirement.

The first stop I'd suggest would a visit to financial website "The Motley Fool", and invest some time in picking up some top class investment knowledge.
http://www.fool.co.uk/investments/investments.aspx
In particular the guides:
HOW TO PROFIT FROM SHARES
http://www.fool.co.uk/school/2006/sch060130.htm
and
THE HIGH YIELD PORTFOLIO
http://www.fool.co.uk/specials/2006/specials060208.htm

Next up, I'd suggest sticking ВЈ10,000 on Premium Bonds
http://www.nsandi.com/products/pb/index.jsp
(unless you're already close to the ВЈ30,000 limit and not mentioned it)

ВЈ1000 at online Lending exchange ZOPA
http://www.zopa.com/ZopaWeb/affiliate/?referral=duck1979
http://www.fool.co.uk/news/comment/2006/c060406d.htm
http://www.fool.co.uk/news/your-money/current-accounts/2006/10/24/better-than-banks-and-building-societies.aspx

And the remaining ВЈ16,000 using "The High Yield Portfolio" approach with Shares, as in the article on Motley Fool (Royal Bank of Scotland is a pretty good one).... perhaps through a HALIFAX SHAREBUILDER account to save on commission fees: http://www.halifax.co.uk/sharedealing/sharebuilder.shtml

Abbey and Halifax, ISAS and bonds for 2 to 5 years for maximum gain.

I would put some into Premium Bonds. If you put 10,000 pounds in you get 10,000 pounds back when you want to cancel the bonds. ( I think with a very small interest nowadays). Apparently you should win as much as the interest you would gain in a savings account.

Unless you win one of the million pound jackpots!

CPVD The Biggest play ever look why .......

Microsoft MP3 Ruling Could Spell Trouble for Other Companies
Friday, February 23rd, 2007 at 9:45 AM - by Jeff Gamet
The U.S. District court in San Diego, California, ruled that Microsoft must pay Alcatel-Lucent US$1.52 billion in damages for infringing on MP3 encoding and decoding patents. Should Microsoft lose an anticipated appeal on the ruling, it may mean more than a hit to the software company's bottom line. It could also mark the beginning of lawsuits against other companies that think they have properly licensed MP3 technology.
Computerworld reports that the Alcatel-Lucent lawsuit started in 2003 and originally claimed that Dell and Gateway Computer were infringing on 15 patents with technologies used in the Windows operating system. In an effort to discourage suits against companies that resell its operating system, Microsoft filed a declaratory action stating that it should be targeted with a suit. Alcatel-Lucent bit and sued Microsoft.
The court ruled that Microsoft's Windows operating system does infringe on Alcatel-Lucent patents that relate to MP3 technology. Microsoft contends that it properly licensed the technology for encoding audio files from Fraunhofer. The German company co-developed the technology with Bell Labs, which later became Lucent, and now is Alcatel-Lucent.

Acording to Apple's iPod MP3 players account for %30 of apple/s
totla revenues,and apple MP3 players account about 75% of Mp3-player
sales in the United States.This could be Huge im goiving the company
a phone call to see whats going on This could be a PTSC....

And it has only Outstanding Shares: 160,006,250 MP3 portfolio
opportunity THIS COULD DO A HUGE RUN ???

These patents can be regarded as `signposts' leading to the MPEG-2
and MP 3 data compression standards. Here a few details on some CPVD
patents:

US Patent 4682248: Audio and Video Digital Recording and Playback
System
US Patent 4755889: Audio and Video Digital Recording and Playback
System
European Patent EPO 237561: Audio and Video Digital Recording and
Playback System
European Patent EPO 140957: Audio Digital Recording and Playback
System
US Patent 4636876: Audio Digital Recording and Playback System
US Patent 4472747: Audio Digital Recording and Playback System
Canadian Patent 1237520: Audio and Video Digital Recording and
Playback System
Canadian Patent 518409: Audio Digital Recording and Playback System
Japan Patent 2053230: Audio and Video Digital Recording and Playback
System
Japan Patent 2596420: Audio and Video Digital Recording and Playback
System

See an independent financial adviser (IFA) for good advice. What you should do with the funds depends on so much like, what access you want to the funds, your attitude to investment risk and how long you want to invest for.

I think best as it is big money. Check your country's stock market and investment sites reliable and backed by government.

Scottish widows have a very good investment plans .

did you mean 27000 pounds. The sensible advice would be DO NOT RETIRE. This money can be invested in bank at low interest rate but would keep your money secured. you can invest it in mutual funds, stock market but there are no guarantees with the above as market crashes and everything tumbles.

There is always the consideration of Taxable income, so, if you are a speculator and don't want to pay any tax on profit, you could do worse that buy Premium Savings Bonds, 27000 chances each month to win anything from ВЈ50 to ВЈ1M. Our yield on ВЈ30000 is currently 8.75% per annum for the last 4 years with no tax payable. Oh! That's both of us so on ВЈ60000 we are netting 17.5%.

With this amount of money it is probably worth spending a few hundred pounds to get advice from an I.F.A.= Independent Financial Adviser. Make sure he/she is able to choose from all suppliers not just a few. As each persons affairs are different one cannot give advice without knowing a lot about your financial position. Good luck.

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