100K to invest. Ideas

jamesd

Easy answer: seek professional financial advice.

Your funds to invest are significant enough to be interesting and if you're not interested in managing the money actively you're going to need someone else to assist you at least once a year for rebalancing your asset allocation (the way your money is distributed between risk levels and parts of the market worldwide). If your income is secure and you aren't interested in money, a high risk (and hence high profit potential) strategy sounds suitable at your age.

Unsuitable if you want maximised returns include: savings accounts and single funds like trackers. Unless you are risk averse.

You could do this yourself but if money is boring a professional is worthwhile with the amount of money involved.

LOST

1. look at your current pensions arrangements and make a tax releived contribution upto max for the year - i.e. UK net relevant earnings

2. use up all of your ISA allowance in the year

3. I would then consider what you want from your remainder - capital growth, income or both?

4. consider bonds, frinedly society plans (tax free), Unit trust, oeics and investment trusts - best to go to a financial advisor - perhaps discretionary portfolio manager may help with that much funds?

Chrismaths

4. consider bonds, frinedly society plans (tax free), Unit trust, oeics and investment trusts - best to go to a financial advisor - perhaps discretionary portfolio manager may help with that much funds?

I certainly would

brodev

IMHO you have only one option and that is to seek professional advice. that can be done in a couple of ways. One is to find a local IFA that you can have an eyeball to eyeball conversation with. If it was me I would insist that any transaction was done on a fee basis not commission. Another way is to use an online IFA like https://www.bestinvest.co.uk, they are the ones I use, With £100,000 you can opt for a personal manager who will ask the appropriate questions and together you decide what your risk profile is. this service will cost 1% of your investments per year although all of your trace commission is refunded so this brings the fee down to below 0.5%. your manager will monitor your investments and will change them (at no cost) if he considers it neccessary. I think it is a great service. I had my manager phone me today to discuss selling 1 investment as it would have created a capital gain liability. I told him that I had fully utilised my CG allowance for this year and we agreed not to sell as yet. As I said I think it is good value