Investment

Chairman2

Hi,
I am looking for the best way to invest a capital amount that I have (around £200,000)
Any advise and suggestions welcomed.

badger09

Chairman2 wrote: »

Hi,
I am looking for the best way to invest a capital amount that I have (around £200,000)
Any advise and suggestions welcomed.

Impossible without more information.

Suggest you have a read of some of the multiple similar threads on this board.

Chairman2

Ok, Many Thanks

bowlhead99

If you want to have your own thread you would need to give us some hints about your goals or objectives, tax situation, what other investments and incomes you have, what type of investments you've already considered and one about etc etc etc.

The 'best' way to invest it depends on what you want to achieve and how much risk you are willing to take to in pursuit of it. Really there are loads of 'how to invest £x' or where to save Y etc, both here and in the dedicated Pensions board ( if you are not needing the proceeds until your late 50s and thinking of retirement planning)

Chairman2

Looking for a safe haven with some return and the original capital accessible. Thought about bonds/government bonds, out and savings accounts and even premium bonds! but not really sure the best way to go. Could use the whole of available funds or part of just don't want it languishing in a bank account at rates that so low it just aint worth it.
I am no longer working and receiving state pension, however that doesn't mean to say that I may get a phone call to work on a limited period contract, which I may or may not take

grumiofoundation

Chairman2 wrote: »

Looking for a safe haven with some return and the original capital accessible. Thought about bonds/government bonds, out and savings accounts and even premium bonds! but not really sure the best way to go. Could use the whole of available funds or part of just don't want it languishing in a bank account at rates that so low it just aint worth it.
I am no longer working and receiving state pension, however that doesn't mean to say that I may get a phone call to work on a limited period contract, which I may or may not take

If by safe you mean no risk to capital then you are looking at rates of 1.35-2 (depending on how long you lock the money up for).

If you want higher returns than this you have to accept risk that your investment may go down as well as up.

MEM62

Chairman2 wrote: »

Hi,
I am looking for the best way to invest a capital amount that I have (around £200,000)
Any advise and suggestions welcomed.

What are your goals?
What is your attitude o risk?
What is your age, income, tax position?
What other financial assets do you have?
What is your pension provision?
Do you need access to these finds or are you looking to tie them up for longer periods?

Not an exhaustive list but a good starting point before anyone can even think of offering advice or suggestions.

SonOf

Looking for a safe haven with some return and the original capital accessible.

What do you class as safe? there are multiple risks. Not just investment risk but also shortfall risk and inflation risk. If you are too low risk, then you can suffer inflation and shortfall risk which can be more damaging than taking a sensible level of investment risk.

Thought about bonds/government bonds, out and savings accounts and even premium bonds!

It would be pretty poor quality investing to only have gilts and corporate bonds. It lacks diversity and puts too much in any one asset class.
Premium bonds are great for higher rate taxpayers who are using all of their interest allowance. Not so great for most others unless they fit a particular need.

You havent mentioned your objectives (what is the money for?, for when? your tax position? plus more)

fun4everyone

Chairman2 wrote: »

Hi,
I am looking for the best way to invest a capital amount that I have (around £200,000)
Any advise and suggestions welcomed.

The amount involved and your OP suggest seeing an Independent Financial Advisor might be a good idea for you. Make sure and see a true INDEPENDENT FINANCIAL ADVISOR - NOT a "wealth advisor" or anything like that. Set up some initial meetings with a few, find out the fees and see who you would be most comfortable with and who you think takes the time to understand you and your situation the best.

It's possible to DIY and that could be cheaper of course but for that amount and given you sound like a bit of a newbie to it all, be very careful.