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    • MikeAbroad
    • By MikeAbroad 8th May 18, 7:38 PM
    • 4Posts
    • 0Thanks
    Extensive savings
    • #1
    • 8th May 18, 7:38 PM
    Extensive savings 8th May 18 at 7:38 PM
    Hi everyone,

    It's been a while since I've been in here. My girlfriend (35) and I (33) currently live overseas and have managed to save a little over 200k.

    We are debating how to invest in back in the UK. We currently have 1 apt which is rented and 1 currently being built (off-plan). We both have no pension and debating if we buy a house (future family home) near London or continue to invest in apartments and alternative investments before we buy a house to eventually move back to.

    It's unlikely we will have this much liquid again before other priorities in life take over

    We are open to other forms of investments outside of property, all views welcome

    Thanks in advance
    Last edited by MikeAbroad; 09-05-2018 at 4:25 AM.
Page 1
    • El Torro
    • By El Torro 8th May 18, 9:40 PM
    • 330 Posts
    • 298 Thanks
    El Torro
    • #2
    • 8th May 18, 9:40 PM
    • #2
    • 8th May 18, 9:40 PM
    There are advantages and disadvantages to Buy to Let, many of which I'll assume you know, since you already own property which you rent out. As long as you understand the pitfalls it can be a useful part of your retirement plan.

    What I will say is that it's good to diversify. Relying 100% on property to fund your future is a bit risky, especially if all that property is in one location (e.g. the UK). If property doesn't grow as fast as equities over the coming decades you'll be worse off than if you'd diversified.

    My suggestion is that you invest at least some of your money in stocks and shares, especially if you don't both already have pensions.
    • MikeAbroad
    • By MikeAbroad 9th May 18, 3:07 PM
    • 4 Posts
    • 0 Thanks
    • #3
    • 9th May 18, 3:07 PM
    • #3
    • 9th May 18, 3:07 PM
    Thanks El Torro. My girlfriend has a few stocks and shares but we haven't explored much more in great detail so will check it out.

    Just keen to make the money work for us as neither of us anticipated having so much liquid so we want to make sure we make the right decisions
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