Advice please £100,000

jamesd

It's much more fun becoming an expert on investing your own money than borrowing it.

Diversification is key. Nothing wrong with anything that anyone has mentioned to you if you do it for only a portion of the money. Five or even ten different things would be fine.

TBC15

jamesd wrote: »

It's much more fun becoming an expert on investing your own money than borrowing it.

Diversification is key. Nothing wrong with anything that anyone has mentioned to you if you do it for only a portion of the money. Five or even ten different things would be fine.

Any suggestions for 5-10 different things, based on your experience.

Archi_Bald

Have you considered engaging an IFA? Find one on https://www.unbiased.co.uk if you don't know one.

utab007

Messa wrote: »

I have had a substantial amount invested in peer to peer lending ( I use both Ratesetter and Zopa) and have averaged around 4.2% in the last 15 months lending to monthly and 3 yearly lenders. Have never needed the quick return facility but I like the fact it is there for emergencies.

I wouldn't suggest your full amount in P2P but it is worthy of consideration.

I was thinking of doing the same. Not sure what you mean by substantial, but I was thinking of trying £30k with Ratesetter. I think Ratesetter is safer option as they hold a fund you can claim against.