Which type of investment for stability

IGN

Hi everyone, just curious as to which type of investments are considered the most stable. So they may only may 3% - 4% per year or some but they're pretty darn stable. I know nothing is guaranteed but gaining 3% or 4% each year is more favourable to me than potentially gaining or losing 15%.

So what type of investment generally speaking, offers the most stable returns?

Thanks.

Pincher

Property.

Nothing original. It's just that some people know so little about property, that they make a pig's ear of it.

IGN

Pincher wrote: »

Property.

Nothing original. It's just that some people know so little about property, that they make a pig's ear of it.

So do you mean investing in a single property or investing into a property investment fund? I should have mentioned it but I meant safest investment fund types.

Dird

Cash (in bank accounts) if you have less than £30k

IGN

Dird wrote: »

Cash (in bank accounts) if you have less than £30k

Yes but these types of accounts give you 3% or 5% but only up to a small amount like £2000 or £3000 which is tiny. Plus they often require you to make regular large deposits into the accounts so it's hard to have 4 or 5 of these accounts active at the same time.

Kendall80

You can buy low volatility managed funds if thats what you're after. SEI do a global managed volatility fund which appears to perform well during sideways/dips but obviously lags during rising markets.


Tracker-wise I suppose you could look for similar amongst the lifestrategy range maybe the 40% or 60% equity options.

AnotherJoe

Not quite what you asked for, but look for an income fund which will pay 3 to 4% a year so you dont need to worry about the ups and downs?

IGN

AnotherJoe wrote: »

Not quite what you asked for, but look for an income fund which will pay 3 to 4% a year so you dont need to worry about the ups and downs?

I mean there are so many different types of funds.

Index trackers, equities, bonds and guilts, property etc. For example equities may be more volatile than bonds, but equities offer greater returns and losses.

So I'm asking what the "safest" fund type is in terms of most stable rate of return.

bigfreddiel

IGN wrote: »

Yes but these types of accounts give you 3% or 5% but only up to a small amount like £2000 or £3000 which is tiny. Plus they often require you to make regular large deposits into the accounts so it's hard to have 4 or 5 of these accounts active at the same time.

It's not hard to have many accounts active at any one time just move a chunk of money from account to account to satisfy the income requirements. fj

Glen_Clark

IGN wrote: »

they may only may 3% - 4% per year or some but they're pretty darn stable. .

What are these darn stable funds that offer 3% - 4% per year ?

Pincher

IGN wrote: »

Yes but these types of accounts give you 3% or 5% but only up to a small amount like £2000 or £3000 which is tiny. Plus they often require you to make regular large deposits into the accounts so it's hard to have 4 or 5 of these accounts active at the same time.

So, you can't fill 4 accounts with £2,000 each.

So, try 3?