150k investment, best place?

baz2152

Where is the best place to invest £150k personal savings to get the best return? 

What is the sort of return I could get after a 4 years of investment? 

ColdIron

Impossible to say without knowing your circumstances. What is good for one person could be bad for another

Maybe have a read of this

https://www.moneysavingexpert.com/savings/savings-accounts-best-interest/

Albermarle

You need to clarify what you mean .

Savings = safe savings accounts paying interest 

Investments = risk based investments , in the stock market for example 

dunstonh

What is the sort of return I could get after a 4 years of investment? 

4 years is too short to invest unless you are particularly high risk with your investing.

jimjames

baz2152 said:

What is the sort of return I could get after a 4 years of investment? 

You could get 50% or -50%, it really depends how the markets perform in that time but 4 years isn't long enough to ride out the market ups and downs.

RyanHello

Max out premium bonds.

Invest in gold

Create a business

Keep cash in bank.

Do NOT invest in the stock market.
Fees, uncertainty and manipulation of the market is why it's best to stay away from the market. 

dunstonh

Do NOT invest in the stock market.
Fees, uncertainty and manipulation of the market is why it's best to stay away from the market. 

You do realise that the net interest margin (i.e. implicit cost) is higher on savings accounts than it is on investments?

And that gold price is manipulated more than equities (if you are paranoid enough to refer to it that way) and just as uncertain.

bostonerimus

The following assumes you are working and have at least a 10 year time horizon. If you are sticking to 4 years stop at 2) and look for a high interest rate saving account amd maybe make some extra mortgage payments if you have one.

0) Spend some time to read some personal finance books and read the guides on this website. Learn about investing
1) Pay off all your high interest debt
2) Put 6 month's to a year's spending in the bank for emergencies
3) If you can contribute to your workplace pension making sure you get the max employer contribution.
4) Contribute to an ISA.

For 3 and 4 use inexpensive multi-asset funds - you will know about those after doing 0).

tebbins

RyanHello said:

Max out premium bonds.

Invest in gold

Create a business

Keep cash in bank.

Do NOT invest in the stock market.
Fees, uncertainty and manipulation of the market is why it's best to stay away from the market. 

I'm guessing you've had a bad experience but all of the problems you mention with stocks are much more pronounced with gold. Conventional forum in the wisdom is that equities are a sensible element of most people's portfolios.

older_and_no_wiser

RyanHello said:

Max out premium bonds.

Invest in gold

Create a business

Keep cash in bank.

Do NOT invest in the stock market.
Fees, uncertainty and manipulation of the market is why it's best to stay away from the market. 

So you don't have a pension?
You are happy for all your cash in the bank to shrink in real terms over the years as the interest gained is constantly far less than the rate of inflation?
Well done. You got me. ;-)

zaydplays

It is a good place, why not?