£100,000 to invest

Eco_Miser

4am wrote: »

Ok. Let's try this from another angle and see if we can perhaps elicit a "half-reasonable" response that way.

If YOU had £100,000 to invest, in YOUR current situation, what would you do with it?

First I'd go to Monevator, skip the Brexit rant, and read up (again) on asset allocation and passive investing.

Or I might just give it all away to local worthy causes.

Stirfry

VLS 60 via VLS website then don't look at it for 10 years?

JGB1955

You're single with no children? Go and spend it....what do you want to happen with the money that you leave when you die?

eskbanker

Stirfry wrote: »

VLS 60 via VLS website then don't look at it for 10 years?

This forum does descend into self-parody sometimes - seems to be a bit of a standing joke on some threads that whatever the question is, the answer's VLS!

Based on the information vacuum that OP has put forward, how can anyone possibly determine that investing as a concept is even appropriate for them, never mind the VLS range, or the 60/40 one in particular, or the Vanguard platform, etc, etc?

For all we know, OP may have significant debts, or substantial existing investments, or no pension, or massive risk aversion, or a forthcoming actual or potential requirement to use the money in the short term, or a range of other factors that would mitigate against that misleadingly specific recommendation....

abstemious

JGB1955 wrote: »

You're single with no children? Go and spend it....what do you want to happen with the money that you leave when you die?

I want a clueless relative to come on MSE and ask random strangers what to do with it.

singhini

£100,000 hey?

i know, i would dig another whole in the back garden and bury it next to my other £100,000 im hiding :j

PS - if your gonna copy me, make sure your burying either £5, £10 or £50 notes as the new £20 comes out February next year. :beer:

Alistair31

4am wrote: »

Ok. Let's try this from another angle and see if we can perhaps elicit a "half-reasonable" response that way.

If YOU had £100,000 to invest, in YOUR current situation, what would you do with it?

How about trying it from the proper angle. You put a bit of effort in to describe your circumstances.

Alice_Holt

4am wrote: »

Ok. Let's try this from another angle and see if we can perhaps elicit a "half-reasonable" response that way.

If YOU had £100,000 to invest, in YOUR current situation, what would you do with it?

My "half-unreasonable " response. £60k in PAT (a wealth preservation IT), and £40k splurged on a Tesla model 3.

Is that response any earthly use to you?

vacheron

4am wrote: »

Ok. Let's try this from another angle and see if we can perhaps elicit a "half-reasonable" response that way.

If YOU had £100,000 to invest, in YOUR current situation, what would you do with it?

Instead of my situation I'll base it on my frend Terry as his situation is more interesting and just as relevant to you as my situation.

So, based on "Terry":


I think you should give £25k to your eldest son (assuming you also have one) as he probably needs it most than the daughter you may also have, after what he may (or may not) have been through!

I would avoid my usual recommendation of contributing to pensions because I asssume that you might have also already reached your £40K annual limit.

£10K towards his holiday of a lifetime in Peru (which you might also have always possibly dreamt of).

Keep the rest in cash because he is 2 months from retirement. Alternatively, do the exact opposite as you might be 45 years from retirement.

I hope that helps.

Anonymous101

I'll answer what I would do as unlikely as it is to be what I'd advise you do if I knew a little about your situation.


The priority of my spending would be -


- New Kitchen
- New car for Mrs Anon
- Fill the remainder of my and Mrs Anon's ISA's for this year and put to one side sufficient to fill next years
- Pay the remainder off our Mortgage


My generic advice for someone with an unknown financial situation would be to pay off any debt which is incurring interest over about 3%. Make sure you have emergency savings. Then fill your ISA's and pensions for that year. If there's any left pay debt at less than 3% if you don't have any look at less tax efficient investments.