More exciting investment opportunities?

Kentuser123

Hi all, 

My wife and I are in a fortunate position of having our mortgage paid off and the ability to save around £7-10k a month with our jobs after our bills. We have two kids under 5 and are in our early 30s.

We're doing all the usual bits such as pensions, filling up our ISAs each year etc. but I would be interested in looking at more exciting investment opportunities.

Being a landlord seems like a bit of a headache these days and most of my friends who have a rental property are looking to exit the market so I'm not too interested in that.

What other investment vehicles do you think are worth looking at? I don't mind taking a bit of risk.

artyboy

There are plenty of 'exciting' investment options within both ISAs and pensions - wouldn't that be a better place to start?

otherwise there's always red. Or black. Or (if you're really feeling adventurous) green 🤣

wmb194

Dove1991 said:

Hi all, 

My wife and I are in a fortunate position of having our mortgage paid off and the ability to save around £7-10k a month with our jobs after our bills. We have two kids under 5 and are in our early 30s.

We're doing all the usual bits such as pensions, filling up our ISAs each year etc. but I would be interested in looking at more exciting investment opportunities.

Being a landlord seems like a bit of a headache these days and most of my friends who have a rental property are looking to exit the market so I'm not too interested in that.

What other investment vehicles do you think are worth looking at? I don't mind taking a bit of risk.

An Isa is just a wrapper and "etc" is doing a lot of work here - what are you already investing in?

Albermarle

artyboy said:

There are plenty of 'exciting' investment options within both ISAs and pensions - wouldn't that be a better place to start?

otherwise there's always red. Or black. Or (if you're really feeling adventurous) green 🤣

Plus there is a dead cert in the next race at Exeter this afternoon !

Prism

Between two people you can contribute £160k to pensions and S&S ISAs each year. Are you saying that you have reached that cap and looking for more ways to invest? Otherwise, simply add more to what you are already doing. Investments within those things can be as risky as you want them to be. One of the investment trusts in my pension has a volatility of 45, compared to about 12 for a standard global equity index. 

dunstonh

We're doing all the usual bits such as pensions, filling up our ISAs each year etc.

Are you maximising your pensions?  You just say ISA but the pension wrapper beats ISA wrapper in most scenarios where the money isnt required until age 58+

Zoe02

well done great achievements.

Just curious, what field you are in.

What I do is put some money in

 my pension,

 ISA lower cost funds

some cash in instant access savings accounts.

A few BTL properties (on forums many people selling but good way to invest over long term, not as great as before)

Bitcoin and other risky activities seem interesting but a lot of the time ends in red. 

r6mile

I would also consider Junior stocks and shares for the kids - max allowance is 9k each pa.

You could even add Junior SIPPs for them - 2880 pa net is the max allowance which after tax relief is 3600 gross.

You clearly have a lot of disposable income so well done. If you have truly maxed your pension and ISA allowances for the 4 of you (which add up to a bit under 200k pa together), and have enough easy access cash for emergencies, then I would suggest you can probably be less frugal to be honest!

jimjames

Dove1991 said:

We're doing all the usual bits such as pensions, filling up our ISAs each year etc. but I would be interested in looking at more exciting investment opportunities.

You mention ISAs but don't specify if they are cash or S&S. If you still have spare money having filled all other tax options then VCT and other such investments could be worth looking into

Linton

Exciting investments tend to be poor investments.  Best to seek excitement elsewhere. A sensible option would be a range of funds held in S&S ISAs (I assume your current ISAs are cash) This has the advantage over pensions that you can access the money at any time and so are much more flexible than pensions though the tax gains are slightly lower.

Johnjdc

Something in the EIS / SEIS space might suit your needs. Valuations still seem high to me but the tax treatment for an individual investor is so generous that it more than makes up for it. 

I'd suggest a fund of some kind (SFC and SyndicateRoom will both let you in from £10k, though £25k is a more common minimum) rather than pick and choose individual ones because the opportunities open to the public on sites like Seedrs and Crowdcube are often the ones the professionals didn't want - and usually (though not always, I've had a couple of exits at 20x and 8x from those sites) there's a reason for that...