Investment planning for 67K

peterg1965

innovate wrote: »

Buying individual shares is similar high risk to BTL. Using your mortgage offset to buy shares is ok if you are happy to potentially lose your home.

A little melodramatic I think. If you invested in 10 sensible, diversified FTSE 100 or 250 companies by buying their shares with a little due diligence first, it is highly unlikely that it will result in you losing your home!

Capital Growth and dividends may well result in a reasonable return. This may not be a traditional investment strategy and may be on the higher side of risk, but it isn't completely bonkers.

DaveTheMus

One option is a fund, which is a basket of different shares....takes some of the risk out of it....

One fund I personally recommend as I'm invested in it myself is Fundsmith, obviously with all investments no matter how 'safe' you must do as much research as possible and try to diversify.

innovate

peterg1965 wrote: »

A little melodramatic I think. If you invested in 10 sensible, diversified FTSE 100 or 250 companies by buying their shares with a little due diligence first, it is highly unlikely that it will result in you losing your home!

Capital Growth and dividends may well result in a reasonable return. This may not be a traditional investment strategy and may be on the higher side of risk, but it isn't completely bonkers.

Not melodramatic at all. Borrowing against your home to invest in the stock market is, as I said before, at least risking your home potentially (though in fact I think it is mental).

Remember, just as an example, once banks were as safe as houses.

Bazofts_Revenge

My portfolio made out of my savings and my offset mortgage is worth 132% of what my mortgage is. 29 indvidual companies shares 5 different funds plus earning me dividends well in excess of my interest payment. Can't see much wrong with that. 20 years to go before I have to pay back my mortgage. I'm currently adding between £500 and £700 a month to it not including re-investing my dividends. I can also commute my pension when I take it, last time I looked the commutation rate was about £11 for each pound I gave up. Which would if the worst came to the worst cost me 5k of my pension. I enjoy the game anyway if the shares half in value next week then so what in 20 years time I'll have still stuck another 120k into my fund which is twice my mortgage. I don't think it is mental at all.