Safe Investments

matelotmax

I am just about to sell my house and will have about £300K to invest.
I understand about the £85 protection limit.
What I am looing for is a medium term [4 -5 years investment portfolio, with several companies, in a reasonably safe investment type.
Any idea would be most welcome.


Max

dunstonh

I am just about to sell my house and will have about £300K to invest.

The internet isnt really the best place to get investment advice on £300,000.

I understand about the £85 protection limit.

That is the deposits FSCS protection limit. Not the investments limit.

What I am looing for is a medium term [4 -5 years investment portfolio, with several companies, in a reasonably safe investment type.

4-5 years is not medium term. That is short term and typically the very minimum you should consider investing Medium term is more 5-15 with long term 10-15+. An economic cycle is around 8-10 years so anything less than an economic cycle is more risky due to timescale.

What do you mean by "with several companies"?

What is your definition of reasonably safe? What sort of volatility levels would you accept (short term losses is easiest way to describe it quickly. i.e. how much would you be prepared to see the value fall before getting cold feet?)

jimjames

Alishabeckett wrote: »

Research is the most important prerequisite in any form of investment. Invest in any form is appreciated if you make an research and ensure it is a profitable deal, never blindly put your hard earned money in stake.

I have to say I have no idea what you are talking about and any relevance to the OP.

Are you just trying to get your post count up before posting get rich quick schemes?

ColdIron

jimjames wrote: »

Are you just trying to get your post count up before posting get rich quick schemes?

Sure looks like it, 15 posts of drivel to random threads in the last 90 minutes

Archi_Bald

ColdIron wrote: »

Sure looks like it, 15 posts of drivel to random threads in the last 90 minutes

Incl. some New Zealand Gold investment scheme when a parent asked about a savings account for their 16 year old.

EdGasket

The only 'safe' investment would be to split it across savings accounts with at least 4 different institutions so you have the £85K protection. However as savings interest rates are so low your cash will lose money when compared to inflation over the 4-5 years. The conventional approach would be to invest in a mixture of cash, bonds/gilts, and equities/funds depending on your risk/reward appetite.

Bear in mind however that with interest rates only going higher from here, bonds/fixed-rate gilts are not actually that safe at the moment as they will fall in value when bank rates rise. You could try Index-linked gilts though these have only existed in a falling interest rate environement so I'm not sure how they would react to rising rates; probably fall too unless inflation takes off. Sorry, your choices are very limited for a safe investment.

pip895

You mention a term of 4-5 years - is this a hard end point e.g the point at which you need to repurchase another house or is it perhaps more flexible and that you might want to take an income from it from that point. If the former then the posts above are correct - if you have potential to extend the period then a balanced portfolio of funds might work better - depends on your definition of safe:).