Apart from Company Pension....what would you invest in for the future?

FIRSTTIMER

Property/But to Let?
Lisa?
Sipp?

Just curious as to what’s popular, I understand the pc answer of whatever is best for each individual or a combo of all 3 etc

MallyGirl

My own property - not interested in BTL
I was too old when LISA was launched
I have a SIPP which I transferred all my previous pensions into
I have a S&S ISA
Primarily I salary sacrifice into the company pension

Linton

I used S&S ISAs for their flexibility. Certainly not a BTL as work was stressful enough and LISAs werent around at the time.

Albermarle

Property/But to Let?

As this is a Pensions forum it naturally attracts posters in favour of that route rather the BTL route.
In general BTL route is less attractive that it was due to tax changes and there was an article in the news this morning that flats are currently harder to sell than houses partly due to this reason.
Also with BTL , it is better if you are good DIY /handyman yourself as this saves on costs .
For pensions it is better if you prefer to sit in front of a computer !

tacpot12

Personally I wouldn't do so, but investing in precious metals or cryptocurrencies is also an option.

Venture Capital Trusts are an option if you need to reduce your tax liability.

atush

Cash, S&S isa, Sipp/pp

lisyloo

Nice house, SIPP, S&S ISA, cash ISA.

DH likes gold sovereigns and expensive watches, but more because he likes them rather than being pure investment.
I know people who enjoy art and classic motorbikes, so it is possible to have the types of investments you can enjoy which don’t have to perform as well as pure investments as there is the enjoyment aspect.

LHW99

When I was younger, I used an FSAVC, as no LISA's / ISA's around, although PEP's were, and I did have a small amount in them.

atush

I used to collect silver flatware etc at auctions for about melt price.

They have an intrinsic value, but i actually use them (high days and holidays) so really doesnt matter much if they go up or down.

MEM62

A buy to let is not at all tax efficient. You will be making the investment with post-tax money and pay income tax on any income. If you are a higher-rate tax payer you will even loose out of tax relief on the finance costs as this is being reduced to 20%. You will then need to consider whether you want the responsibility of being a landlord. It is not a passive investment - it is a business and you have to work at it.

The other two might be a little more efficient but remember you still have post-tax money finding these investments. Up to the point where you start reaching contribution or lifetime there is little that beats your pension as vehicle for funding retirement.

MEM62

tacpot12 wrote: »

Personally I wouldn't do so, but investing in precious metals or cryptocurrencies is also an option.

That's not investing. It is gambling.