investing 150,000.00

JAGI

What is the best way of investing 150,000.00 for the next 10 to 15 years to get capital growth and annual returns on a yearly basis in the future

Linton

If you dont know the answer, for that amount of money I believe you should consult an IFA.

What is "best" depends on many factors that can only be obtained by detailed discussion with yourself:

as a starter...
1) How much annual return do you need
2) Do you want the annual returns fixed, inflation linked, or variable depending on portfolio performance?
3) What is you attitude to risk? Would you panic if the capital value dropped 30% in a few weeks?
4) What is your tax position?

So I dont think it's a question that can sensibly be answered on a forum.

JAGI

some answers to the questions you pose -
annual return - inflation linked
attitude to risk - low risk
high rate tax payer

dunstonh

attitude to risk - low risk

Define low risk.

What risks are you looking to avoid and which are you willing to accept? i.e. does inflation risk worry you? is there a target amount and there a risk of shortfall?

JAGI

As it is hard earned money i do not want to loose. want better growth than savings account can give.
I do not need the money now and this money will be kept for future -
There is no target amout or shortfalls...

Linton

The most anyone is able to say is some combination of, say:

1) Equity - shares and/or funds
2) Fixed rate investments - government or corporate debt
3) Cash deposits
4) Property
5) more complex financial products

held in various wrappers (ISAs, pensions, brokers account etc)

Proposing and agreeing exactly what the investments should be and in what proportions is very much dependent on your detailed circumstances, attitudes and wishes (and a lot of experience and a fair amount of work).

Linton

JAGI wrote: »

As it is hard earned money i do not want to loose. want better growth than savings account can give.
I do not need the money now and this money will be kept for future -
There is no target amout or shortfalls...

Something to think about to give you some idea of what is involved...

1) You say you dont want to lose your hard-earned money. Is it absolute? How about a deal of 90% chance of 100% growth, 10% chance of 10% loss?

2) If you dont need the money until some time in the future why an annual return? Does it matter that the growth is steady and could it fluctuate - if so to what extent?

If the answers are that you dont want any chance of a loss and the return must be steady then you are unlikely to do much better than a fixed rate bank deposit account.

I am not asking for an answer, I could think of a dozen more questions. The important thing to understand is that as soon as you want more than you can get from simple bank accounts you are talking about risks more complex than the simple one of not getting the total return you would have liked.

An IFA would be able to explain this to you and work through the implications. Furthermore the IFA would be liable if the advice given did not match what was appropriate for your situation.

Someone on an Internet forum could suggest any thing with no come-back. I am surprised you havent had the strong advice to put all your hard-earned into silver as its guaranteed to make you a risk-free fortune.

JAGI

I note your advice and thank you

I do not want to invest in property as have already done so and have ISA, reluctant to invest in Shares - so bonds sounds the way forward - any advice

barak

JAGI wrote: »

I note your advice and thank you

I do not want to invest in property as have already done so and have ISA, reluctant to invest in Shares - so bonds sounds the way forward - any advice

I think the best advice remains - see an IFA.

gl196

Well for starters you have index-linked gilts and TIPS.
Since you want capital growth AND annual returns (ie. Total Return) you probably want a fixed-income oriented portfolio with a mixture of corporate, high yield and sovereign debt.

Contrary to what other members suggest, I'm personally not too keen on seeing an IFA.
There isn't anything that you can't learn on your own IF AND ONLY IF you're dedicated to investing your time and effort to learn about the markets, economics, finance etc.
Think about it this way - Do you think Warren Buffett could get to where he is now if he decided to consult an IFA?

JayZed

I would strongly advise you to invest all your money in silver. You'll make a fortune, and the best thing about it is that it's completely risk-free!

Seriously though, I agree with the advice to see an IFA. I consider myself pretty clued in when it comes to personal finance, but if I had a sum like that to invest, I'd want to seek some professional advice about my options. Warren Buffett is not a useful point of comparison.