Letting It Stand
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Property. If you are serious about this kind of investment amd you are genuine, then I can tell you of a very real property transaction taking place at the moment. The esimated profit will be at least £2000 plus in the next 2-3 months.
To show you this is genuine I will need to be able to talk to you properly.
Otherwise - why not put part of your money into ISAs- £7000 will be tax free and see the rates of interest the different high yield rates the different banks are giving? |
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Al Zymer
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You are getting a mixed, and confusing assortment of advice, from, in the main, unqualified sources. You need to consult a professional adviser. Check out the Daily Mail website, below. |
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JeffreyK
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attaincapital.com |
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Adam J
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If you don't need the money near term, the stock market is your best bet.
If you but one of exchange traded funds (IVV or SPY) that you can buy with a brokerage account you'll have stock in all 500 companies in the S&P 500 (the list of the most significant companies in the US) |
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muncie birder
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Of the answers so far Chris Q has provided you with some good information, but maybe I can add a little more.
A Roth IRA is not tax deferred. That is a traditional IRA. Everything invested in a Roth IRA is after tax but everything taken out of a Roth IRA is untaxed after 59 1/2. Indeed that is a big advantage as long as congress does not change the law in the meantime.
Putting some of the 25k down on a home is not a bad idea even though house prices are currently falling. There are many choices out there and prices are negotiable. If you do not currently own a house and if you do not have any possiblity of having to move in the next 5 years, it is a consideration. But do not go overboard and buy a McMansion.
Some traditional investments that are sensible are certain index funds. One of my favorites is RSP an equal weighting index of the S&P 500. I also like IJH the mid cap index fund. But there are over 400 to choose from.
Two companies that have some very good mutual funds are T Rowe Price and Fidelity. Also Vanguard. With 25k it would be wise to pick maybe 4 different funds with different investment objects and put about 6 or 7 k in each. One should be a money market type fund to provide emergency funds for the unexpected. One should also be a fund that invests in foreign equities since the dollar is not on too sound a basis any longer. One might be a fund investing in Chinese companies but there certainly can be some argument that at the moment that is not too sensible. However, there are some good Chinese companies selling at reasonable prices and there are some good funds investing in them.
Here are a couple of links to T Rowe Price and Fidelity
http://mutualfunds.troweprice.com/?rfpgid=10875&scn=Mutual_Fund_I_Want_to&origins=prospect
http://personal.fidelity.com/products/funds/funds_frame.shtml.cvsr
Fidelity's funds are actually much better than the layout of the web site. Ha ha.
To research index funds go to this site. Be sure to check out the two I mentioned and compare them to several others.
http://www.etfconnect.com/select/rank/default.asp?fType=2&oType=6
There might be some argument as to whether this approach is the most sensible, but it has a couple of advantages that should certainly be considered. 1. diversity of investments. 2. historical record of returns on equity investmens vs others. 3. tax advantages of long term capital gains and dividend income. |
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Thin Kaboudit
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It depends entirely on your age and what you want the money for and when!
If you are 25, and want to buy a house in 5-10 years, you should put it in a "safe" place where it will grow steadily, but only a little.
If you would like to retire on it, put it in a broad market mutual fund (or an ETF like "SPY"") until you are 69.5, by which time it will have grown to at worst $600,000 and probably more like $3,000,000... |
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mac mogul
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Invest in real estate ! You can Triple that money in a year and a half minimum! Plus with an IRA you can do it TAX FREE! and that would be in a Self directed IRA.
Try this company! They can help you and they will tell you if you can double it or triple it and in what amount of time it would take!
www. kjonesrealestateinvestment .com
Good Luck! |
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Chris Q
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Don't listen to any of these individuals. If you are looking for these dollars to grow for retirement planning I recommend using an allocation fund. Using a Roth IRA you will be able to grow these dollars tax deferred and when you take them out for use they are completely tax free.
If you are looking to by a home with these dollars in the near future I would recommend using C shares and place them into a Muni Bond fund and a small portion into the allocation fund. This will give you growth and keep any expenses on your account low.
DO NOT pay your mortgage off early. One the mortgage company usually penalizes you for paying off early. Two the tax breaks you receive for having a mortgage help you in reducing your taxes.
Good luck in your future.
This all does depend on your current circumstances and what you want to do. |
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mrnetvestor
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Depends on the amount of risk you're willing to take. The higher the risk the higher the potential gain.
If conservative a CD may be the best for you.
Many invest in mutual funds. These funds are tailored to the amount of risk you're willing to expose yourself to. |
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derobake
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Please edit your question with the following information:
1) What you want to invest for (your goal)?
2) How far away is this goal?
3) Do you have any outstanding credit card debt?
4) Do you have an emergency fund set aside?
Then we will be better able to point you in the right direction.
With 25k, the best investment is usually a mutual fund. |
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JB
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Get out of debt first. There's nothing like living debt free. Then you can take all the money you were paying someone else and invest it in yourself.
I'd even pay off the mortgage if you can. People talk about tax breaks but think about it this way. Is the tax break you are receiving equal to your mortgage payment. No. So forget about those tax breaks and pay off the house.
Personally, I'd use the Dave Ramsey philosophy which is:
Baby Steps: Don’t start investing prior to completing baby step #3.
$1,000 to start an emergency fund
Pay off all debt using the debt snowball
Three to six months of expenses in savings
Invest 15 percent of household income into Roth IRAs and pre-tax retirement
College funding for children
Pay off home early
Build wealth and give! Continue to invest in mutual funds and real estate.
Investing For Those Just Getting Started:
Be sure you have completed the first three baby steps.
Begin by doing pre-tax savings in (401k, 403b, TSP, Traditional IRA) and tax free savings (Roth IRA, Roth 401K)
NOTE: If you receive a match in your (401k, 403b, TSP), invest here first up to the match. Then, fully fund a Roth IRA for you and your spouse if married. Then, come back to the (401k, 403b, TSP).
If you are still on baby steps one through three, be patient; put off investing for now. Avoiding a crisis with a fully funded emergency fund and paying off high interest debts is a fantastic investment!
Mutual Funds:
25% into each of these four types of funds:
Growth
Growth & Income
Aggressive Growth
International
A shares (front end load); funds that are at least 5 years old or older; solid track record of acceptable returns within fund category.
*If risk tolerance is low, put less than 25% in aggressive growth or consider adding a “Balanced” fund to the four types of funds Dave suggests. |
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Robert N
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If you are sincere with your question and truly have that amount to invest then contact me at bankerbobretired@yahoo.com and I will inform you of three different profitable ways. IRA's and ROTH's are good but what is the goal you are trying to achieve? let me know |
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achrimsdale
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I have a Nigerian friend (a prince in fact) who can help you invest that. Why don't you forward to me all your bank details and allow me to deal with all the arrangements for you?
. |
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childpsych
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Have you used up ISA for this year?
I would put 3k in Mini ISA-getting 6% interest
4k in a lowrisk stocks and shares ISA
If you have a mortgage would pay rest into it.If not would put the rest18K in fixed deposit in ahigh savings account.
but it is the golden question"how much risk you want to take and the returns you expect?" |
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aball1515
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Several ideas:
-Do some research and find some quality fixed income investments. (Low risk - 5-8% return)
-Find a decent mutual fund (High risk - 10-20% return plus fees)
-Money Market account at the bank (Almost no risk - 4-5% return)
-Invest it in ETF's (Mid Risk 10-15%)
-Invest it in stocks yourself (High Risk 10-20%)
If you want to do anything you probably should do a fair bit of research on your own. |
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Rebew
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Well that depends on a lot of factors?? How long to you want to invest are you willing to take a risk? If it is short term and high risk the stock market is good. Or if you don't want risk a money market or CD. Or if you want it for the long hall the an IRA. |
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Succes
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Invest in ETF:
ETFs are cheaper than mutual funds. ETFs have very low annual expenses, nearly 20 basis points or 0.2% less. As against this, actively managed mutual funds show average expenses exceeding 135 basis points (1.35%). This does not include the extra 2% - 5% as loads, 12(b)-1 marketing fees, transactions costs, and soft dollar expenses mutual funds, passed on to you but never informed, except in very fine print that nobody cares to read.
ETFs have a lower turnover than most mutual funds. As ETFs do not require active management and hold nearly a steady stream of stocks, there is hardly any portfolio turnover. On the other hand, many actively managed mutual funds churn their portfolio many times throughout the year, leading to recurring transaction fees on every purchase and sale. |
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investing s
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Hi, i recommand you a good and basic tutorial for investing. it covers all Issues related to your Investing and everything around it.
http://www.tutorialforyou.net/investing/
wish it will help you. |
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Marxsparx
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You could invest it in my property and lower my mortgage payments. |
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Cheese A
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the 17:10 at newbury |
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Daniel B
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premium bonds from nsandi you will get atleast 5o a moth in prizes on average as the ods are 24 thousand to 1 to win and 5o is minimum so if you have atleat 24 thousand then that 1 to 1 chance of winning gagrranteed income i have them and if gimmic would not have and do not do gimmics |
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