£100k to invest.

Jockanory

I expect to have £100k to invest in a couple of months time but I'm not sure how to go about getting the best/safest investment out of the money.
I want low risk investments and would be quite happy if the interest just covered inflation.
The money could be split 50-50 with instant access and long term investments.
I have been looking at ISA's etc but don't really know enough about savings and investments to make an informed choice.
Any advice on the options available to me would be greatly appreciated.

dunstonh

I want low risk investments and would be quite happy if the interest just covered inflation.

Which typically doesnt happen with interest paying savings.

You can have NS&I index linked certs for a small amount but above that you need to decide which risks you are willing to take. At the moment you seem to prefer shortfall risk and inflation risk but not investment risk. However, with a bit of knowledge and understanding you may change that view.

Mickygg

With £100k I would go see an IFA. However as above you could put £15k into the NS&I index linked certificates, £5,340 into a cash ISA then split remaining amount between instant access where you can get 3% gross and longer term where if you tie for up to 5 years you can get 5%.

This will be the low risk option. However only the NS&I would currently beat inflation.

Credit-Crunched

Mickygg wrote: »

With £100k I would go see an IFA. However as above you could put £15k into the NS&I index linked certificates, £5,340 into a cash ISA then split remaining amount between instant access where you can get 3% gross and longer term where if you tie for up to 5 years you can get 5%.

This will be the low risk option. However only the NS&I would currently beat inflation.

My main recommendation would to not to take advice on this forum, yes people (especialy Dunstoh) have a well educated and unbiased view on finances, however without really knowing your financial situation, complete overview of your finances, incoming, debt, future aims or goals I would seek INDEPENDENT financial advice.

vax2002

Property. Forget short-term doom and gloom look over 5, 10, 15 year prices, it will provide a rental income of circa £400-£500 per month and a 5 year investment return on average of 40%
Nothing else even comes close, where do you think these investment "experts" will stick your money.. On a horse ?

Credit-Crunched

vax2002 wrote: »

Property. Forget short-term doom and gloom look over 5, 10, 15 year prices, it will provide a rental income of circa £400-£500 per month and a 5 year investment return on average of 40%
Nothing else even comes close, where do you think these investment "experts" will stick your money.. On a horse ?

8% p.a subject to property being let, no maintenance charges, paying tenants and cgt on disposal it seems like a great bet! o and no falling property market

Jockanory

Thanks for the advice posted so far.

DannyboyMidlands

I'd spend £20k on dividend paying stocks such as BP, Shell, Glaxo, Sainsbury's......................

Stick £15k into NS&I inflation linked savings certificates. Another £15k with wife/husband if possible but if not then into a decent savings account ready to shovel into NS&I when a new issue is released.

The remaining £50k I'd put into a Birmingham Midshires inflation linked bond.

I think that property is a bit of a gamble at the moment. Cash is king.