Wheret would you invest if you have £100.000 sitting in the bank?

From_Cordoba

as title Where would you invest if you have £100.000 sitting in the bank? 

for example

1) Buy to let properties not sure is this is the most smart thing to do right now.  but in the other hand seem there is a huge demand for renting properties at the moment.

2) Buy Long term Stocks  (I don't have a clue about stockmarket, How people deal with this self-taught? should I do some courses to learn how to DIY buying long term shares?

3) what else? 

Thanks

Band7

It wouldn't much help you if I told you what I would do with £100k as my circumstances are almost certainly totally different from yours. And you have given no information about your circumstances, other than that you might have £100k. People's age, health, income, retirement provision, risk tolerance, plans for spending and so on are pretty crucial for making decisions about their money.

eskbanker

When would you anticipate needing the money?

If after retirement (or at least 55+) then pensions are likely to be the best bet.

If within, say, 5-7 years, then keep it in cash deposits, mixing fixed term and easy access accounts, with £20K in an ISA.

Anything in between, investing via collective products such as funds (rather than individual shares) is likely to be worth researching in more detail.

Illiquid investments such as buy-to-let properties are a specialist niche area suited to some but many steer clear....

El_Torro

Paying off some of the mortgage, adding to your pension, or adding to a Stocks & Shares ISA are all sensible things for most people to do. All this after ensuring you have an adequate emergency fund. 

Buy to Let may or may not be a good idea for you. I have one myself. Mortgage rates are pretty high at the moment (compared to where they have been in recent years) and landlords are a pretty easy target for a government that is looking to get more money coming in. One could argue that ultimately it'll be the tenants bearing most of the costs as landlords put the rent rates up. Time will tell.

Rosa_Damascena

£100k is a good sum but my priority would be a steady income stream given the rate of inflation.

I would stay away from the BTL market personally - short-term prices are predicted to go south, which will put you at a disadvantage if you need to liquidise assets.

Albermarle

Most people on this forum would normally never have such a large sum of money just sitting in the bank. It would be being put to good use already. 
So along with all the other missing details, why is it there/where did it come from ?

fizio

I have similar in the best flexible saver i found (Ford Money) and will be going BTL once the prices dip in 2023. But I already have stocks and shares and other BTL’s so not sure what your situation is to see what may work best for you 

macman

Invest, or savings? What is your attitude to risk?
You've given no possible info on which to give advice.

kinger101

Personally, I'd pay off mortgage, but that's because I'll already be fully utilizing pension AA.

I don't know what I'd do in your shoes as you've not provided enough information.  Though I wouldn't touch BTL with your barge pole.  House prices are likely to fall and interest rates rise.  

Imvrasos

Albermarle said:

Most people on this forum would normally never have such a large sum of money just sitting in the bank. It would be being put to good use already. 
So along with all the other missing details, why is it there/where did it come from ?

Where OP's monies came from is none of our business. While I agree £100k is beyond the average savings and investment pot, this is a savings forum and is bound to attract people with significant liquidity to save and invest; sums discussed exceed OP's amount quite often.

dunstonh

Where OP's monies came from is none of our business.

Actually, it can have a lot of relevance to picking the right solutions.