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stingmyflesh | UK financial question? |
i have 30K to invest. Should i put it into an ISA or high deposit account or what? Which is the best option for a 5 year investment of my money? |
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Happle
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The least risky advice would always be to pay off any debts you have. That will give you more any savings accounts as you do not have to pay tax on the interest.
ISAs are usually the best place to build up cash after this. However, there is a limit to the amount you can put in and it is a lot less than 30K. You have a limit of 7K each year to invest in if you go for a stocks and shares ISA. Only 3K at present can be cash, but I beieve that this is due to change after 1st April and 7K will be the max without quotas. If you give a spouse some cash you can double these limits.
They rest you would have to just look for the account paying the highest interest on any of the above sites mentioned.
WWW.thisismoney.co.uk is one that I find simple.
With a 5 year plus time scale shares would make sense, esp in an ISA if you are a higher rate tax payer. It depends how much risk you are willing to take. Shares at least are not currrently as high as they were a few weeks ago, so you are not buying at the very top of a market.
"or What" .... If you do not have any investments at present you should be building up investments in in the less risky financial products. Government bonds, UK trackers (go for the lowest fees), or a bit riskier a UK based fund managd by a well rated fund manager, again these can be found on web sites or the financial pages of the Sunday papers.
Only once you have a sensible amount locally should you start to diversify in to riskier options.
Finally beware of going to your local bank in the high street. They rarely offer the best value investments and their advice will be biased to their own products. See what type of products they advise you to go for and then look to see who else will offer a better deal. |
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Nathan JT
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Invest the money so that it grows at a greater pace than inflation. This will ensure that the purchasing power of your money does not decline over the period of your investment. You should ensure that the interest in any savings account has a good rate of compound interest to assure you get a good return on your investment. Alternatively you could seek advice for investing the money in the stock market or in equities which obviously holds a greater risk but potentially a greater return on your initial investment.
Good luck. I really wish I knew how people manage to just get hold of £30k to invest. |
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Ellie
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Look at www.moneysavingexpert.com- don't take any offers from anyone on here. I think ISA will give you a better return for your money but you would be better off asking at your bank. We had some a while back and they were only too happy to help us decide what to do with it- if only we had listened. |
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Personal Angel
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I think £30k is too much for an ISA. I would go along tothe banks and pick up their leaflets on savings (or check them online) and have a look at minimum deposits, interest rates and accessibility etc.
There is a great website called moneysavingexpert.com that might be able to help too. |
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BLUE MOON
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The stats say; If you buy the max 'premium bonds' ie' 30k, you will get an average 4% return per annum! Your 30k is never at risk! You could win the big one!!? |
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laplandfan
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I would contact a fsa for the best viable options as they will know more than us. |
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Dr.D
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Convert it to US dollars and buy a strong stock! ;-)
PND to US $, highest in 27 years! |
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fLaKe!
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I have an import and export company in Dubai which needs financing... If you really need to invest you can invest in a business and become a partner and profit from it every month and year... Need more information and willing... Please contact me... |
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Happy Murcia
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Why ask us? go to a financial adviser.... |
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Krooney
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I'll swap you for this amazing bag of magic beans. How about it? |
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jeanimus
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Give it all to me and I will make it grow and grow. Honestly. You can trust me :) |
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