How would you invest 150k?

Axon75

I am looking for suggestions. How would you invest 150k? If it was your only savings.

HappyMJ

I'd buy a house to live in. A forever house that you are not going to sell for a very long time to be able to ride out any fluctuations in the property market.

If I already had a house I'd buy a better house in a more expensive location. Not necessarily bigger just more valuable.

Sam_J12

I would keep £20k in high interest current accounts, and put the other £130k in stocks - focusing mainly on US and/or Japanese markets.

Axon75

I don''t care if I live in a small and old house. House for me is just a facility, not a luxury. Also, it's very likely that I will move to different cities/countries for work. Last, 150k doesn't buy a house, at least near London, where I am based.

Axon75

Sam_J12 wrote: »

I would keep £20k in high interest current accounts, and put the other £130k in stocks - focusing mainly on US and/or Japanese markets.

Which stocks, please be as precise as you can!

george4064

Axon75 wrote: »

Which stocks, please be as precise as you can!

You shouldn't be taking (nor asking for) stock specific advice on an internet forum, you should seek advice from a qualified financial adviser.


If you are interested in investing, you should do the background work and research yourself to build an understanding of the risks to investing.

Linton

Not knowing your circumstances its impossible to suggest how you should invest £150K. If I had £150K I would put about £100K in dividend paying UK shares and non-UK funds keeping the annual total income within the new £5K tax free limit.. The rest would go into a broad range of possibly higher risk funds. As the US allocation in my growth portfolio is too low, perhaps £50K in US split between small amnd large company funds, and the rest split broadly across the non-UK world. I am nervous about BREXIT and dont want to invest more than I need to in the UK to get a reasonable dividend income.

Playing_with_Fire_2

If I was still working I would put it in Vanguard Lifestrategy100, if I was trying to live on it in LS60. If I hadn't read up on investing I'd do that first.

panter

Axon, I can say what you should not be doing: you should not be investing in a single share, nor even a few. Chances you'll beat the market are slim.

No. Start of by investing in something like an all share tracker fund - so you own shares in every company quoted on the London exchange.

It's less exciting, but are you looking for excitement or do you want to make money long term. Do not confuse the two.

But if you'll need the money in the next few years, even an all share tracker might be too high risk. What if you need the money just when the market has crashed?

Pincher

Axon75 wrote: »

Which stocks, please be as precise as you can!

BP

and when you complain why it isn't going up,

RDSB

Why do I recommend them? They were high, now they are low, so it must be a bargain, init.

colsten

Suggesting individual shares to an investment newbie is totally irresponsible.