Property investment companies

briddj

I've got some money to invest in the coming months, and initially I was going to buy into a property on a buy to let basis, but all the reading I've done seems to suggest that's more hassle than it's worth with the new tax rules.

So is there anything in investing in these companies, that collate investments in property - thus making is passive. Are their investment returns actually reliable?

https://propertypartner.co/howitworks#/overview

Or would I just be better putting into a S&S ISA over the next few months across tax years? Thanks.

dunstonh

but all the reading I've done seems to suggest that's more hassle than it's worth with the new tax rules.

In the credit boom years, a monkey picking properties at random could make money on it. Now, it requires you to be a bit more selective and understand the market more. Your personal tax position comes into play and having properties in a limited company may come into play.

So is there anything in investing in these companies, that collate investments in property - thus making is passive. Are their investment returns actually reliable?

Physical property is never passive. However, there are passive property share funds.

Or would I just be better putting into a S&S ISA over the next few months across tax years?

That is a bit like saying would you be better having a tea or a cup. Dont mix up tax wrappers with asset classes.

As you dont mention how you would invest within an ISA, it cannot be answered.

briddj

dunstonh wrote: »

As you dont mention how you would invest within an ISA, it cannot be answered.

In one of the Vanguard S&S ISAs I think, probably one with higher risk as I own most of my own home, so willing to have more risk for better returns on the ISA.

IanSt

Speaking purely for myself, my own house is enough property for me so given the choice of a global equity Vanguard fund or some kind of property fund then it's the Vanguard fund everytime.

But that's me, other peoples preferences may well differ!

GreenSnake

IanSt wrote: »

Speaking purely for myself, my own house is enough property for me so given the choice of a global equity Vanguard fund or some kind of property fund then it's the Vanguard fund everytime.

But that's me, other peoples preferences may well differ!

I agree.
But REITs can be commercial property overseas, so some diversification away from UK residential.
But yes, I'd stick with equities. Cheaper to hold, more liquid. Easier diversification (within asset class).

briddj

Thanks. That's what I've decided to go with.