Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search
  • FIRST POST
    • MrXYZ
    • By MrXYZ 12th Apr 18, 11:08 PM
    • 40Posts
    • 6Thanks
    MrXYZ
    100,000
    • #1
    • 12th Apr 18, 11:08 PM
    100,000 12th Apr 18 at 11:08 PM
    If you had 100,000 and no outstanding loans, no mortgage remaining etc... what would you do to get best possible returns....
Page 1
    • Herbalus
    • By Herbalus 12th Apr 18, 11:15 PM
    • 1,992 Posts
    • 1,579 Thanks
    Herbalus
    • #2
    • 12th Apr 18, 11:15 PM
    • #2
    • 12th Apr 18, 11:15 PM
    100 bottles of excellent wine would be a great return for all that money.

    But seriously, not sure what youre looking for. Over what timeframe? How much certainty of the return do you need? Do you need x% year on year or can it drop 50% tomorrow and then rise 10000% in year 10?

    Are you risk averse to something like bitcoin? Can you stomach investing in something that might lose all the capital but could double overnight? Is this an invest-and-forget or would you consider buying 100k worth of strawberries and making jam to sell with a 300% margin?
    • MrXYZ
    • By MrXYZ 12th Apr 18, 11:21 PM
    • 40 Posts
    • 6 Thanks
    MrXYZ
    • #3
    • 12th Apr 18, 11:21 PM
    • #3
    • 12th Apr 18, 11:21 PM
    jam today or jam tomorrow :-)

    Great questions, thank you... I personally would be risk adverse to something like bitcoin, only because of the downward spiral in recent times, it seems so volatile. I totally understand some people have made huge amounts by taking such risks.

    I'd be willing to put it away as a longer term investment, wouldn't be looking to start up a business etc.

    Out of interest, how would you suggest doubling it overnight? Not sure I would have the stomach for that!
    • worried jim
    • By worried jim 12th Apr 18, 11:28 PM
    • 9,076 Posts
    • 13,979 Thanks
    worried jim
    • #4
    • 12th Apr 18, 11:28 PM
    • #4
    • 12th Apr 18, 11:28 PM
    Google, Apple, MacDonalds. Leave for ten years.
    "Only two things are infinite-the universe and human stupidity, and I'm not so sure about the universe"
    Albert Einstein
    • Herbalus
    • By Herbalus 12th Apr 18, 11:40 PM
    • 1,992 Posts
    • 1,579 Thanks
    Herbalus
    • #5
    • 12th Apr 18, 11:40 PM
    • #5
    • 12th Apr 18, 11:40 PM
    If I knew somewhere that could double overnight, I wouldnt be sharing on here!

    The whole reason why questions like this will rarely give you the answer you look for is that respondents dont know things like your age, if you need the money in 2 years or 20, if you never need the money, the state of your roof or boiler, other investments you might have, what sort of inheritance you want to leave your kids etc. Invariably time is the issue as 10 years might see some great equity investments, or trump might have instageted ww3 and gold should be your bet...
    • GT85
    • By GT85 13th Apr 18, 12:01 AM
    • 15 Posts
    • 6 Thanks
    GT85
    • #6
    • 13th Apr 18, 12:01 AM
    • #6
    • 13th Apr 18, 12:01 AM
    Whilst we do have a 180k mortgage, between my wife and I, we have 135,000 invested in the following:

    25% Vanguard FTSE global all-cap
    30% Vanguard life strategy 80
    15% Fidelity world index
    5% Fidelity emerging markets
    10% Vanguard global small-cap
    15% held back in cash

    - 3 funds that track indexes. Appreciate there's overlap I have a spreadsheet that tracks small cap/EM/bonds in total inc. funds), but aim is to keep within the 50k Financial services compensation scheme
    - small bond exposure from the VSL80 (will increase this when they're more attractive). That extra 5% cash is earmarked for bonds.
    - Fairly heavy on EM & Small-cap tilts, but we're invested for ~40 years.

    Are they the best returns? Not necessarily. I could get better returns from value/momentum funds like Fundsmith equity.
    • stoozie1
    • By stoozie1 13th Apr 18, 9:16 AM
    • 535 Posts
    • 437 Thanks
    stoozie1
    • #7
    • 13th Apr 18, 9:16 AM
    • #7
    • 13th Apr 18, 9:16 AM
    I have no mortgage or loans (small amount stoozed at 0%) and a total of 96k so am in approximately this position.

    30k is held in cash earning an average of 4.55%, 27k in SIPP s invested in VLS 100 acc, and the rest in ISAs, also in VLS 100.

    I am considering adding some UK small caps and a greater % in Africa, but I think the seasoned posters on here will advise me not to tinker!

    Age and stage of life is also a factor, as is what pension provision you already have.
    Save 12 k in 2018 challenge member #79
    Target 2018: 24k Jan 2018- 560
    • jimjames
    • By jimjames 13th Apr 18, 1:06 PM
    • 12,545 Posts
    • 11,178 Thanks
    jimjames
    • #8
    • 13th Apr 18, 1:06 PM
    • #8
    • 13th Apr 18, 1:06 PM
    Google, Apple, MacDonalds. Leave for ten years.
    Originally posted by worried jim
    I googled apple macdonalds. I don't think it will be much in 10 years...

    https://www.mcdonalds.com/gb/en-gb/product/apple-pie.html
    Remember the saying: if it looks too good to be true it almost certainly is.
    • eskbanker
    • By eskbanker 13th Apr 18, 2:36 PM
    • 6,825 Posts
    • 7,075 Thanks
    eskbanker
    • #9
    • 13th Apr 18, 2:36 PM
    • #9
    • 13th Apr 18, 2:36 PM
    I googled apple macdonalds. I don't think it will be much in 10 years...

    https://www.mcdonalds.com/gb/en-gb/product/apple-pie.html
    Originally posted by jimjames
    ....but at least it will have cooled down enough to eat without third-degree burns!

    Alan: Lynn, hand me an apple pie. And remove yourself from the theatre of conflict.
    Lynn: What do you mean?
    Alan: Go and stand by the yakults. The temperature inside this apple turnover is 1,000 degrees. If I squeeze it, a jet of molten Bramley apple is going to squirt out. Could go your way, could go mine. Either way, one of us is going down.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

905Posts Today

6,662Users online

Martin's Twitter
  • Today's twitter poll: have you ever seen a ghost?

  • RT @JohnnyMercerUK: Another important day ahead in achieving parity of esteem between mental and physical health: the breathing space schem?

  • RT @mmhpi: Third time lucky? After being delayed twice, tomorrow MPs are due to debate our #RecoverySpace proposals in parliament. @helen_u?

  • Follow Martin