I want to starting investing £100 per mont

cyberla1190

I’ve decided to start investing 100 a month for the long term (20 year minimum), and I have 800 to deposit immediately. I’d really  appreciate any advice as I’m looking for a low risk investment, but obviously something better than savings account. *Low risk in terms of investing (not risk free).

Thanks 😊 

Thrugelmir

What's your objective ?  Investing carries with it a whole range of risks. Low risk will result in potentially much lower returns. As nothing is free. 

Vet

Why not invest through a stocks and shares ISA through a platform such as Vanguard? From there you should look at things like Lifestrategy 80 or 100 if you're planning for 20 years in the future.

cyberla1190

Vet said:

Why not invest through a stocks and shares ISA through a platform such as Vanguard? From there you should look at things like Lifestrategy 80 or 100 if you're planning for 20 years in the future.

I'm looking for a long term, low to medium risk investment. 

cyberla1190

Thrugelmir said:

What's your objective ?  Investing carries with it a whole range of risks. Low risk will result in potentially much lower returns. As nothing is free. 

Around a 5-10% return annually.  

Username999

cyberla1190 said: 

Around a 5-10% return annually.  

The Holy Grail doesn't exist.
Buy and Sell on E-bay or/and Amazon.

Alexland

cyberla1190 said:

I’ve decided to start investing 100 a month for the long term (20 year minimum), and I have 800 to deposit immediately. I’d really  appreciate any advice as I’m looking for a low risk investment, but obviously something better than savings account. *Low risk in terms of investing (not risk free).

Are you making the most of any pension options you may have? This is usually the most efficient way to invest. Alternatively depending on your tax position and pension options if under 40 have you considered a S&S Lifetime ISA for a 25% government bonus towards investing for age 60+

cyberla1190 said:

I'm looking for a long term, low to medium risk investment.

Around a 5-10% return annually.  

A low risk investment is unlikely to do much better than cash rates after fees.

A medium risk investment should keep pace with inflation.

To grow your money in real terms you would need to accept market volatility but time dilutes risk so in that respect even a volatile investment could be considered lower risk over the long term. Still 5% to 10% based on current asset valuations is very optimistic.

Robin9

cyberla1190 said:

Around a 5-10% return annually.  

If anyone offers you a guaranteed 5%   - put your trainers on and run away as fast as you can.

Thrugelmir

cyberla1190 said:

Thrugelmir said:

What's your objective ?  Investing carries with it a whole range of risks. Low risk will result in potentially much lower returns. As nothing is free. 

Around a 5-10% return annually.  

Low risk investing is unlikely to achieve that. If that's after fees and taking into account inflation. 

Sailtheworld

Vet said:

Why not invest through a stocks and shares ISA through a platform such as Vanguard? From there you should look at things like Lifestrategy 80 or 100 if you're planning for 20 years in the future.

Yes, this or a world tracker ETF or fund. The bulk of the research should be done in finding the lowest cost method of holding the investment.

Albermarle

Are you making the most of any pension options you may have? This is usually the most efficient way to invest. Alternatively depending on your tax position and pension options if under 40 have you considered a S&S Lifetime ISA for a 25% government bonus towards investing for age 60+

To the OP - before thinking about what type of investment ( low risk, high risk etc ) you need to note the comments above .

Investing via pensions or LISA give you a tax/bonus  benefit .