Where to put some money for the next 10 to 20 years

JohnPick

Wondering what options there are for investments.
Endowments versus stocks and shares or fund(managed) Isa and life insurance?
Not  worried abou medium to high risk over 10 or 20 years, taking me into my early 70's.(omw feeling old)
not looking at a lot of money to be fair as it stands but have some cash and some other investments in the background, but not doing a lot to be fair.
But see the next few years as some serious potential to do very well, but no idea as to what the options are, dont mind researching them , so just ideas are fine based on products available today.

Also with a  few company pensions and state pension wont be getting a load of money in the future, but hopefully getting some.
I will be looking to see if i can find all my pensions, which I believe are split between two or three employments (now work for myself) two of which write to me annually, the state pension as it is now should be okay for me as an income (£134 a week) as my needs are modest as longs as it goes up over time, plus i intend to work as long as I can.

El_Torro

Your best bet is ISAs or just adding it to a pension. There are restrictions on how much you can add in any given tax year but you haven't given us much to go on to say whether this will be an issue for you. Also a pension is probably more tax beneficial than an ISA, though an ISA is more flexible.

As for what to invest in, take your pick. There are thousands of options, even if you just restrict yourself to funds. The popular suggestion on this forum is either a global tracker or multi asset fund. Not the most exciting thing you can do, though should give you a good return over 10 plus years, as long as you can handle the volatility along the way.

Savingsfox

There are a tremendous array of options available, if you don’t mind a reasonable amount of risk and can hold for 20 years then something like the Vanguard life strategy 100% equity would be a good place to look; low management costs, heavily diversified across multiple sectors, countries and companies - it’s very likely to accrue some nice growth over a long period. Vanguards founder Jack Bogle said “buy everything and hold it forever” - follow this advice!

Steve182

Some of the largest, most popular and best performing funds/trusts over the past decade have been -
Lindsell Train Global Equity
Fundsmith Equity
Scottish Mortgage
They are considered medium to high risk
Google them......
You can invest in them in either an ISA or SIPP

Alexland

Steve182 said:

Some of the largest, most popular and best performing funds/trusts over the past decade have been -

If at the start of the last decade I had bought the most popular funds from the previous decade how would I have done?

Eyeful

Options for investment over the next 10 to 20 years if you have not invested before.
1. Make sure your emergency fund is large enough so you do not have to sell investments early.
2. Use a stocks and shares ISA or SIPP.
3. Watch the following:-
 https://www.kroijer.com/
 https://www.ifa.com/indexfundsthemovie/
https://www.youtube.com/watch?v=Sr-IFxRGT88
4. Look into Global Multi-Asset Funds: such as

Vanguard Life Strategy

HSBC Global Strategy

L&G Multi Index Funds

Blackrock Consensus

5. https://www.vanguard.co.uk/adviser/adv/investments/about-funds/target-retirement-funds

https://www.hsbc.co.uk/investments/isas/hsbc-global-strategy-portfolios/

Albermarle

Also with a  few company pensions and state pension wont be getting a load of money in the future, but hopefully getting some.
I will be looking to see if i can find all my pensions This would seem to be a good idea before doing anything else !which I believe are split between two or three employments (now work for myself) two of which write to me annually, the state pension as it is now should be okay for me as an income (£134 a week . The maximum state pension is more than that , can you buy more as this is normally a very efficient/low cost way to gain more income 

Do you know why your state pension is only £134 ? ( I am not that knowledgeable about state pensions but it looks low )