Creating a HYP

getmore4less

AS I read it the HYP is not a large part

S&S ISA HYP is limited contibutions and there is £200k left for other investments

Welshy213

Getmore4less.

You are correct, It will form about 8% of my budding portfolio.

I have about 20k on the Aim market

15K NS&I saving cert, and will make sure I have enough available if a new one is brought out in the next few months.

I will probably put 85k into a 2 year bond, possibly 2 bonds to safe guard most of my cash and return some guaranteed interest with protection.


Thanks

ds1980

All v sound advice.

hyp IS A ltbh PLAY. cAPITAL IS IRRELEVANT AS it is about income. Its like buying an annuity to a degree. Dividends are hoped to increase each year and therefore it is a hedge against inflation whereas an annuity is not. Of course people see red on there stock ticker but my HYP will never materialise a loss as i have no intention of ever selling it and my children will benefit from its dividends.

sorry keep messing around with caps

people say that BTL is perhaps "hard"? I certainly dont and would suggest looking at one. It depends on what you want though.

for me over 25 years no one could suggest a better investment for a hedge against inflation, return and capital growth. You are not reliant on anyone else which is the largest bonus to me. If it goes belly up then youve only got yourself to blame (to a large extent).

I may be a lot younger than you so your needs may be a lot different to mine but thats my tuppence worth....

mike88

BTL is the best of all investments at the moment. That is what I would do. In fact BTL has performed better than share investments over the past 15 years. Property is cheap at present and because few can get mortgages the rental market is buoyant.

£20k on the AIM market...phew. My AIM investments - doubled my money in 2 weeks and then lost 99% of the capital invested. Property would nicely balance things up.

moneylover

zutou wrote: »

i would like to have it read , but from your post i can't find some clues , i
hope that you could find and post here ,of course i will do myself !
thanks anyway !:T

It wasnt online it was hard copy and I cannot reproduce it as it would break copyright. At the moment I am not sure where it is but I will find it at the w/e as I said and post the list of shares, also the date of the article, you may find your public library has the Investors Chronicle - most do somewhere in the system.