no decent returns anywhere fed up :(

Biggles

melbury wrote: »

That sounds brilliant

Not really, especially if you are exposing yourself to risk you aren't used to.

On the day a share goes 'XD', the share price drops by the amount of the dividend. The company is only paying you your own money, you should only be invested if you think the share prioce is going to increase.

Desperate_Housewife_2-2

I must say that when I was a kid I had an uncle who always bragged about horses that won at the races and how he cleaned up until my mum pointed out that he only told us when he won... same seems to apply for investing, you only hear about ths fantastic investments (usually when they've ended...)

Tammer

No decent returns anywhere?

Actually, there have been some spectacular returns on shares and commodities.

There will always be good returns available - it's a question of finding them.

Poor returns are very likely just now in residential property (your home) and cash.

The fundamental principle of investing is the relationship between risk and reward. No risk = no reward. Fact.

Desperate_Housewife_2-2

Tammer wrote: »

The fundamental principle of investing is the relationship between risk and reward. No risk = no reward. Fact.

so it is a lot like gambling then?

I'm talking about saving not investing...2 very different animals...

Stompa

jonnyb wrote: »

Or you could have taken a risk with some AIM stocks - I made 140% on XEL this financial year, and 200% on Range Resources. Just a bit of time researching can reap big rewards. I have lost a few small amounts on other stocks, but am still up massively this year, and I was a novice 18 months ago.

If you get it right the rewards from AIM stocks can be very high, but if you get it wrong then losses could be very substantial.

Mickygg

Been reading this thread and all makes sense but I disagree with no risk = no return fact.

You need to look around - ILSC - remember them? No risk and the return at the moment on this is over 6% tax free.

Keep an eye out. I think suggesting stocks and shares is all well and good but you must do your own research and be prepared to take a loss, which a lot of people just can't do.

Tammer

Mickygg wrote: »

Been reading this thread and all makes sense but I disagree with no risk = no return fact.

You need to look around - ILSC - remember them? No risk and the return at the moment on this is over 6% tax free.

Hi,

You do have a point. It's over time that the risk / return relationship is borne out. There will sometimes be short term anomolies e.g. currency / interest rate / gambling arbitrage.

I'm not close to the ILSCs but presume that you can no longer buy them (although if you have them already you're fine).

OP - it is a little like gambling but it's only risking what you can afford to risk. For example, you might want to have most of your money on deposit (losing value over time) but some of your money in a stocks and shares ISA where you'd hope that over a term of 5 years or more, you'd made a decent (real) return.

Procrastinator333

8% on FD is pretty good. No strings. £300 per month. Other plus point is that if it is a joint account, both can have a savings account. So you can put £600 a month in to it. No tax wrapper though.

cslogg

Procrastinator333 wrote: »

8% on FD is pretty good. No strings. £300 per month. Other plus point is that if it is a joint account, both can have a savings account. So you can put £600 a month in to it. No tax wrapper though.

Sorry to be dumb but what is FD

cslogg

m0n3y_3

First Direct, "First Direct 8% - Existing customers only, Save £300/mth online, no withdrawals or missed payments" http://www.moneysavingexpert.com/savings/best-regular-savings-accounts