£5k Investment

elltomney

I am new to investing... I have £5k liquid to invest, I want minimal risk with a decent return over 2-3 years but I am not sure where to put the money.
Any advice would be greatly appreciated

shortseller09

elltomney said:

I am new to investing... I have £5k liquid to invest, I want minimal risk with a decent return over 2-3 years but I am not sure where to put the money.
Any advice would be greatly appreciated

What is your idea of a decent return?
1.8% for a 3 year fix, no risk, or for a higher return you have to take investment risk, nothing guaranteed.

Linton

You wont do any better than a savings account - for example look on the Banking&Savings section of this website.

"Investing" as in stocks and shares for a period as short as 2-3 years is highly risky.  The volatility of prices means that there is a reasonable chance you will end up with less than you started off with.  If you really want to invest it should be for 7-10 years at the very least.

elltomney

shortseller09 said:

elltomney said:

I am new to investing... I have £5k liquid to invest, I want minimal risk with a decent return over 2-3 years but I am not sure where to put the money.
Any advice would be greatly appreciated

What is your idea of a decent return?
1.8% for a 3 year fix, no risk, or for a higher return you have to take investment risk, nothing guaranteed.

Was ideally looking for around 5% - 8% 
What options would I have (if any) to return this without a lot of risk?

elltomney

Linton said:

You wont do any better than a savings account - for example look on the Banking&Savings section of this website.

"Investing" as in stocks and shares for a period as short as 2-3 years is highly risky.  The volatility of prices means that there is a reasonable chance you will end up with less than you started off with.  If you really want to invest it should be for 7-10 years at the very least.

If I were to look at investing for 7-10 years what would be a good option with good returns and low risk?

kuratowski

elltomney said:

Was ideally looking for around 5% - 8% 
What options would I have (if any) to return this without a lot of risk?

Sadly in today's world you would have to take a lot of risk to get those returns.

The only people offering guaranteed returns in the region of 5% are actually scammers, and you would lose everything.

Dazed_and_C0nfused

elltomney said:

shortseller09 said:

elltomney said:

I am new to investing... I have £5k liquid to invest, I want minimal risk with a decent return over 2-3 years but I am not sure where to put the money.
Any advice would be greatly appreciated

What is your idea of a decent return?
1.8% for a 3 year fix, no risk, or for a higher return you have to take investment risk, nothing guaranteed.

Was ideally looking for around 5% - 8% 
What options would I have (if any) to return this without a lot of risk?

I think most would say none.

ColdIron

elltomney said:

shortseller09 said:

elltomney said:

I am new to investing... I have £5k liquid to invest, I want minimal risk with a decent return over 2-3 years but I am not sure where to put the money.
Any advice would be greatly appreciated

What is your idea of a decent return?
1.8% for a 3 year fix, no risk, or for a higher return you have to take investment risk, nothing guaranteed.

Was ideally looking for around 5% - 8% 
What options would I have (if any) to return this without a lot of risk?

If that is an annual return, none whatsoever

zagfles

You could get 5% for a year on £5k if you have a spouse and you open a Nationwide Flex Direct account each but do it NOW as they are about to drop the rate. There are pay in conditions etc, and you can't already have or had one. Or look at regular savers, you can get 2.75% although not on all of it for a while. Look at the main site.

Otherwise you're not going to get a "decent" return without taking a risk.

Albermarle

If I were to look at investing for 7-10 years what would be a good option with good returns and low risk?

Nothing is guaranteed with investing , the investments can do worse or better than expected . However if you invested in low risk investments over 10 years you would hope to keep up with inflation . So slightly better than savings account interest returns. 

steampowered

It's been a long time since that kind of return was achievable with low risk products !

If you want to target a return of 5-8% pa, that is achievable with stocks & shares, and is roughly the historic average annual return generated by the major stock markets. However stocks & shares are not "safe" over a 2-3 year investment period. Over that period there is a considerable risk that your investment could go down (although there is also a possibility that you might gain considerably more than 5-8% pa).