what would u experts do?

Suki

if u had to invest 60k tommorrow what and where would u put it to get the best growth say over 5-10ish years and what would u expect to get back each year TIA

dunstonh

What is right for one person isnt right for another.

Plus, what you want can't be answered really as it would break a number of FSA guidelines. Plus it's mostly guesswork anyway.

deemy2004

I'd put it in 3 investment trusts (see earlier post), 5-10 years - average of 200-300% at time of liquidation

The risk offcourse would be no gain or a loss of 33%

cheerfulcat

Hi, Suki,

For a longer term investment ( closer to 10 years than 5 ) the stockmarket is hard to beat. I would go for portfolio of individual shares, Investment Trusts ( which are also individual shares, but in companies which invest in other companies, if you see what I mean )and a plain old FTSE all share index tracker, probably in equal proportions ( this is assuming that the 60k was already earmarked for investing, and not needed elsewhere ).

The average return p/a is 7%, but with good stock picking, asset allocation and a bit of luck :-) I would expect a lot more than that.

HTH

Cheerfulcat

Suki

I'd put it in 3 investment trusts (see earlier post), 5-10 years - average of 200-300% at time of liquidation

The risk offcourse would be no gain or a loss of 33%

this i think is right for me but how do i go about it?? i dont know where to go or what to say?? any more good advise plz thx.

dunstonh

any more good advise plz thx

It is not advice. It is a suggestion for you to look at.

Why do you think that is right for you?

deemy2004

this i think is right for me but how do i go about it?? i dont know where to go or what to say?? any more good advise plz thx.

1. You need to a stockbroker to buy the investment trusts

halifax sharedealing at £15 minimum, or comdirect.com at £12.50 minimum

2. You go online and use their dealing platform to buy the shares.

The codes for the 3 investment trusts are -

JII
ANW
BTEM

Spread your risk evenly between the three, and remember its a long-term investment, okay so if in 3 years time they have soared in value, but reality is your aiming for a minimum 5 year holding.

Then sit back, relax, don't get too hung up on day to day price changes, check on them say quarterly and reappraise.

But really with strong GDP growth expected in both Thialand and india, they look like a safe long-term investment, relative to say purchasing individual shares.

Other spreads the risk by incorporating the UK shares.

I'll update the post quarterly on how their doing.

cloud_dog

Suki

Can you confirm your pension provisions / savings / debt are all in pretty good shape before considering investment options.  If you are prepared to loose the £60k then carry on with your investments.

Deemy, how did you manage to come to your growth (200% - 300%) figures and your loss (33%) figure?

I think numbers like these can be very misleading.  Is it not possible for Suki to loose 60% over 10 years?  Having been through the last 5 years of investment returns the last thing they have been is predictable.

To be honest if I had £60k to invest I would look at diversifying into more than 3 funds and two sectors (both the India and Thai funds would be considered fairly risky areas, both in terms of stability and currency fluctuations).

I'll accept that I am by no way an investmant expert (and have investments in similar funds to your recommendations) but I would have thought a more rounded investment portfolio (with at least 6 investments) would have been advisable.

cloud_dog

Sorry, forgot to add, all of the above is dependant on Suki's situation / finacial affairs.

deemy2004

Reappraise quarterly - 33% is the stop loss.- Moving stop - so never a move more than 33% against the posiiton, critera ? monthly, or quarterly pricing, depends on how closely you monitor the position, which depends on volatility of the fund.

Yeh £60k - all your pot in 3 stock funds is a too tight, so spread the risk more say 12 funds with £5k each. But I don't have time to research 12 funds, hence 3 ;D

As allways DYOR before you commit cash !