We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
£450k investment
Options
Comments
-
How have you got to this age with no pention provision? Are you currently earning? If so how much?
2 -
ALr66 said:jimjames said:ALr66 said:
Pension provision? No pension at all.
Experience as a landlord? No experience as a landlord.
Risk tolerance (for investing in Stocks and shares)? As lower risk as possible.
It is not a passive investment - you are running a business.
One bad tenant can cost you plenty
You will have void periods
You will have responsibilities / obligations
Rent increases might not necessarily keep up with inflation
Makes more sense? I don't think so.
With that sum of money and limited knowledge you really should be talking to an IFA.
2 -
MEM62 said:ALr66 said:jimjames said:ALr66 said:
Pension provision? No pension at all.
Experience as a landlord? No experience as a landlord.
Risk tolerance (for investing in Stocks and shares)? As lower risk as possible.
It is not a passive investment - you are running a business.
One bad tenant can cost you plenty
You will have void periods
You will have responsibilities / obligations
Rent increases might not necessarily keep up with inflation
Makes more sense? I don't think so.
With that sum of money and limited knowledge you really should be talking to an IFA.And so we beat on, boats against the current, borne back ceaselessly into the past.2 -
vacheron said:£450k in a 5% cash savings account will give you £1,875 per month before tax with virtually zero effort.
Not sure how much more a £450K BTL would give you in your area, but after all of the deductions and BTL risks, plus the awful tax treatment for non-business BTL income, is it worth the extra hassle for the extra you might make? We recently did some back of napkin calculations and categorically decided it wasn't!0 -
Keep_pedalling said:How have you got to this age with no pention provision? Are you currently earning? If so how much?i have no pensionhe will have been self employed his whole life like many of us who left school in 70/s 80slike most of us we have no private pension / its why a large ammount of landlords are self employed 50 to 70 somethings as it was seen as a pension pot2
-
MEM62 said:ALr66 said:jimjames said:ALr66 said:
Pension provision? No pension at all.
Experience as a landlord? No experience as a landlord.
Risk tolerance (for investing in Stocks and shares)? As lower risk as possible.
It is not a passive investment - you are running a business.
One bad tenant can cost you plenty
You will have void periods
You will have responsibilities / obligations
Rent increases might not necessarily keep up with inflation
Makes more sense? I don't think so.
With that sum of money and limited knowledge you really should be talking to an IFA.from 2025 your first years income as a landlord in england is a complete write off due to all the new feesbutbuy the right property and still a good investmentthis example is my sisters and not my own52k- 1989 -3 bed dagenham500k -2025rent 5 k in 1990 -18 k in 2024 self managed albeit there are fees for registering with council and hmrc of course.34 year time frameone mistake she has made is that she has not paid a single penny of the capital of an interest only mortgage but she does not carepass it on as part of the estate and inheritance tax is liable / but no capital gains to pay for inheritors saving them £100kuse tennats who are tradesmen to do the work and pay them accordingly / sister does this on this property she has a lithuanian builder and family / or you have a self employed kitchen fitter/bathroom fitter handyman and a self employed gas saftey engineer/plumber and give tenants there card whenever a problem arises /this is who i use for my rentals and a retired builder and his son who are all friends of mine in scotlandbad tenants are bad but rarer than tv programes would make you believe /i have never had any / have open weekends when a property is vacant /vet and chose who you want yourself -do not let it be a bidding war /do due dillegence /there are no void periods bar how long it takes to paint and decorate an empty property and advertise and hold an open weekend for viewingsthere are so many applicants per viewing you feel sorry for a lot of them all ask do you have any others for rent as do every single tenant i have asking o behalf of there family members /landlord hmrc tax return if you have done it before is 10 mins and record keeping over the year is basically 5 minute a month and thats on multiple propertys.but i admit i am biased as it is the route i chose /i see the returns to be had by investing on markets and despite watching the financial tv channels for years and years have not taken the chance to try it myself when i should have. ..0 -
dinosaur66 said:Keep_pedalling said:How have you got to this age with no pention provision? Are you currently earning? If so how much?i have no pensionhe will have been self employed his whole life like many of us who left school in 70/s 80slike most of us we have no private pension / its why a large ammount of landlords are self employed 50 to 70 somethings as it was seen as a pension pot
This is a big advantage when you are improving/running btl properties, and can be the difference that means you can make a good business out of it.1
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.1K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.1K Work, Benefits & Business
- 599.2K Mortgages, Homes & Bills
- 177K Life & Family
- 257.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards