S&S ISA 10 - 15 year performance guess

bcfclee27

Hi all,

I recently invested 100k with the help of an IFA that my father in law has used and trusts over many years with his finances.

The 100k has been split between me and my wife.
40k is in s & s ISAs as of November (20k each from me and wife)
40k will go in April at start of new financial year and the rest in the year after that.

Taking the total in S&S ISAs to 100k.

Now provided these do averagely well what would everyone expect my 100k to look like in 10 or 15 years time.

Many thanks

MallyGirl

totally depends on the stocks/shares/funds/bonds you are invested in

Shashy

Per the above - once you've found out what it's invested in, have a think about whether you truly need an IFA to administer what is probably a very simple and straightforward investment.

bostonerimus

bcfclee27 wrote: »

Hi all,

I recently invested 100k with the help of an IFA that my father in law has used and trusts over many years with his finances.

The 100k has been split between me and my wife.
40k is in s & s ISAs as of November (20k each from me and wife)
40k will go in April at start of new financial year and the rest in the year after that.

Taking the total in S&S ISAs to 100k.

Now provided these do averagely well what would everyone expect my 100k to look like in 10 or 15 years time.

Many thanks

Before you gave the IFA 100k you should have asked them.

bcfclee27

Shashy wrote: »

Per the above - once you've found out what it's invested in, have a think about whether you truly need an IFA to administer what is probably a very simple and straightforward investment.

Too be honest although I've done a lot of reading on the subject I still struggle to understand it all. My father in law is a shrewd chap and highly recommended him to manage the money.

I was gonna throw everything into my mortgage until getting advice on here.

There will be about 40k left over that I will probably invest on my own at the moment I'm thinking 20k in a VLS and 20k in a HSBC global strategy.

Just to see how I get on.

Fed

Ask your IFA, I suspect you're paying them enough

bcfclee27

bostonerimus wrote: »

Before you gave the IFA 100k you should have asked them.

He has guesstimated at about 144k over 10 years.

Just wondered if people thought that was a good return or not in that sort if timeframe.

pramsay13

All depends how it is invested.
You can look at previous performance but any future gains (or losses) are speculation.
How does the IFA get paid?

dunstonh

How does the IFA get paid?

If the investor has employed the IFA to provide ongoing services (which it sounds like given the forward plan) then the investor will be paying the IFA. Nearly always a percentage of the value of the investment.

Just wondered if people thought that was a good return or not in that sort if timeframe.

Investments are not one thing. There are over 30,000 options and near-infinite variations. Most things you can sit on a typcal 1-10 risk scale. The returns at the lower end of the risk scale would be "expected" to be lower over the long term compared to the higher end of the risk scale. However, the higher end will zig zag in value to a far higher level than the lower end.

it is impossible for anyone to comment on hypothetical returns without knowing the risk level you are taking. However, £100k to £144k over 10 years would suggest cautious investments.

RG2015

dunstonh wrote: »

it is impossible for anyone to comment on hypothetical returns without knowing the risk level you are taking. However, £100k to £144k over 10 years would suggest cautious investments.

£100k to £144k over 10 years is equivalent to 3.37% per annum which barely covers CPI inflation if the current rate continue and doesn't cover the current level of RPI inflation.

Perhaps the OP means a return of £144k which is 8.45% p.a.and sounds more likely as reasonable average risk return.

jimjames

RG2015 wrote: »

£100k to £144k over 10 years is equivalent to 3.37% per annum which barely covers CPI inflation if the current rate continue and doesn't cover the current level of RPI inflation.

Entirely possible if the investment is mainly in bonds but we have no idea what it actually is. Even 3% is at least double the instant access cash account return.