£300k to invest

lagransiete

Band7 said:

lagransiete said:

Band7 said:

lagransiete said:

Mothman said:

With 300k and another BTL to sell plus your existing investments, it may be that inheritance tax advice would be an additional benefit an IFA would bring to the table.

No, that is not a major concern as we have no immediate family. However, we have made will, so anything left when we both pass away will go to the appropriate benefociaries

Invest it in yourselves. Go on a round-the-world cruise, blow whatever you don't need for potential care on culture trips and luxury travel. 

Floating prisons with the option of drowning . Holidays are one thing but also home improvements

Wouldn't disagree about the floating prisons

Another option to burn money is to buy, or rent, a huge RV in the States and tour the Grand Circle, and more whilst you are at it. Repeat the same in Australia and NZ.

Wouldn't be a bad idea, except my wife is a dreadful back seat driver and would freak at the mere thought of me or her driving on the right side of the road

lagransiete

jimjames said:

lagransiete said:

bostonerimus said:

With equities off their recent highs it might be a great time to invest in equities, but nothing wrong in using fixed rate saving accounts. I'd ladder them. ie split the money into say 5 parts and buy 1,2,3,4 and 5 year saving bonds. So you have regular access to your money and can take advantage of today's interest rates. When year 1 matures you take the interest and use the principal to buy another 5 year bond and do the same with the rest of the bonds as they mature. Eventually you have 5, 5 year bonds with one maturing every year. Or you might think about buying an annuity, which isn't an investment, but might be a useful income tool.

yes thanks I think that may well my best option at this moment although i will still keep investing in my current multifunds and when Ukraine war ends I will make further investments 

Most people like to go shopping in the New Year sales to grab a discounted price but when it comes to investments it seems to be the opposite. I prefer to buy when the price is low than when it is high so if I see a bargain then I like to buy whether that relates to investments, cars or shoes!

Fair comment, but  those goods are tangible products one can see and feel which have immediate benefits. To the untrained eye, investments look risky, especially when one considers the number of companies currently being shorted . I am not dismissing the idea of making extra investments, I am just not sure whether the price of my funds have bottomed out or have further to go yet.

dunstonh

To the untrained eye, investments look risky, especially when one considers the number of companies currently being shorted . 

You could say that investments are less risky after a 20% drop than they are after a 20% rise

lagransiete

dunstonh said:

To the untrained eye, investments look risky, especially when one considers the number of companies currently being shorted . 

You could say that investments are less risky after a 20% drop than they are after a 20% rise

Yes that's true. I am merely thinking in terms of a lump sum investment rather than the pound cost averaging I am currently doing

Albermarle

lagransiete said:

jimjames said:

lagransiete said:

bostonerimus said:

With equities off their recent highs it might be a great time to invest in equities, but nothing wrong in using fixed rate saving accounts. I'd ladder them. ie split the money into say 5 parts and buy 1,2,3,4 and 5 year saving bonds. So you have regular access to your money and can take advantage of today's interest rates. When year 1 matures you take the interest and use the principal to buy another 5 year bond and do the same with the rest of the bonds as they mature. Eventually you have 5, 5 year bonds with one maturing every year. Or you might think about buying an annuity, which isn't an investment, but might be a useful income tool.

yes thanks I think that may well my best option at this moment although i will still keep investing in my current multifunds and when Ukraine war ends I will make further investments 

Most people like to go shopping in the New Year sales to grab a discounted price but when it comes to investments it seems to be the opposite. I prefer to buy when the price is low than when it is high so if I see a bargain then I like to buy whether that relates to investments, cars or shoes!

Fair comment, but  those goods are tangible products one can see and feel which have immediate benefits. To the untrained eye, investments look risky, especially when one considers the number of companies currently being shorted . I am not dismissing the idea of making extra investments, I am just not sure whether the price of my funds have bottomed out or have further to go yet.

Of course you are not sure, we are all the same in the same boat, as we can not see into the future. The problem is you will never know when your funds have bottomed out, until after they have gone back up again.

lagransiete

Albermarle said:

lagransiete said:

jimjames said:

lagransiete said:

bostonerimus said:

With equities off their recent highs it might be a great time to invest in equities, but nothing wrong in using fixed rate saving accounts. I'd ladder them. ie split the money into say 5 parts and buy 1,2,3,4 and 5 year saving bonds. So you have regular access to your money and can take advantage of today's interest rates. When year 1 matures you take the interest and use the principal to buy another 5 year bond and do the same with the rest of the bonds as they mature. Eventually you have 5, 5 year bonds with one maturing every year. Or you might think about buying an annuity, which isn't an investment, but might be a useful income tool.

yes thanks I think that may well my best option at this moment although i will still keep investing in my current multifunds and when Ukraine war ends I will make further investments 

Most people like to go shopping in the New Year sales to grab a discounted price but when it comes to investments it seems to be the opposite. I prefer to buy when the price is low than when it is high so if I see a bargain then I like to buy whether that relates to investments, cars or shoes!

Fair comment, but  those goods are tangible products one can see and feel which have immediate benefits. To the untrained eye, investments look risky, especially when one considers the number of companies currently being shorted . I am not dismissing the idea of making extra investments, I am just not sure whether the price of my funds have bottomed out or have further to go yet.

Of course you are not sure, we are all the same in the same boat, as we can not see into the future. The problem is you will never know when your funds have bottomed out, until after they have gone back up again.

No of course not but if we think a current event is causing an economic crisis affecting share values and pushing inflation upwards then surely we can assume that when that event ceases, may well be a good time to make a lump sum investment. I accept it's speculative but then again so many "experts" have been giving so many  dire warnings via YouTube clips . I could name a few but then the cynic within me tells me maybe they are trying to get people to sell their stock, so they can hoover them up at low prices

sevenhills

dunstonh said:

To the untrained eye, investments look risky, especially when one considers the number of companies currently being shorted . 

You could say that investments are less risky after a 20% drop than they are after a 20% rise

With RPI inflation at 14% it would very much depend on what interest rates were available, most people will lose over 10% to inflation 

Albermarle

No of course not but if we think a current event is causing an economic crisis affecting share values and pushing inflation upwards then surely we can assume that when that event ceases, may well be a good time to make a lump sum investment.

The issue is that the market is always looking ahead, and the prices of shares etc are as much based on what the market thinks the economy will look like in one two years time, rather than so much on what is happening now.

Stock markets will usually drop when a recession is forecast, but will often rise when the actual recession takes place, as they can see the end of the tunnel.

If you are thinking about the Ukraine war in particular, probably the most likely scenario is that it will rumble on for years, and the global economy will adjust around that.

The caveat is of course that unexpected good or bad news stories can cause short term market turbulence, but nothing new about that !

lagransiete

Albermarle said:

No of course not but if we think a current event is causing an economic crisis affecting share values and pushing inflation upwards then surely we can assume that when that event ceases, may well be a good time to make a lump sum investment.

The issue is that the market is always looking ahead, and the prices of shares etc are as much based on what the market thinks the economy will look like in one two years time, rather than so much on what is happening now.

Stock markets will usually drop when a recession is forecast, but will often rise when the actual recession takes place, as they can see the end of the tunnel.

If you are thinking about the Ukraine war in particular, probably the most likely scenario is that it will rumble on for years, and the global economy will adjust around that.

The caveat is of course that unexpected good or bad news stories can cause short term market turbulence, but nothing new about that !

Fair comment. I tended to think people panic sold their stock through fear or sought short term gains when sufficiently emboldened 

Albermarle

lagransiete said:

Albermarle said:

No of course not but if we think a current event is causing an economic crisis affecting share values and pushing inflation upwards then surely we can assume that when that event ceases, may well be a good time to make a lump sum investment.

The issue is that the market is always looking ahead, and the prices of shares etc are as much based on what the market thinks the economy will look like in one two years time, rather than so much on what is happening now.

Stock markets will usually drop when a recession is forecast, but will often rise when the actual recession takes place, as they can see the end of the tunnel.

If you are thinking about the Ukraine war in particular, probably the most likely scenario is that it will rumble on for years, and the global economy will adjust around that.

The caveat is of course that unexpected good or bad news stories can cause short term market turbulence, but nothing new about that !

Fair comment. I tended to think people panic sold their stock through fear or sought short term gains when sufficiently emboldened 

Some do that for sure, especially in the active markets. For your average long term investor though, the usual recommendation is to do nothing different, regardless of the latest news/crisis. Just keep calm and carry on !