£400k to invest .......
Discussion
Silver993tt said:
ShadownINja said:
3 bed terraced house in SW London for £300k? Rent it out; £100k to maintain, cover legals, insurance etc.
she wants an income from a financial instrument, property isn't herthing at her age.This kind of thing: http://www.hamptons.co.uk/en-gb/Lettings/PropertyM...
(NFI if they are any good or a crock of s
te.)I don't think property is a good idea for anyone at the moment.
May have been a great investment for the last 10 yrs, but I reckon there's only one way for it to go over the next few years.
Bearing in mind all of the recent bailouts, and 'Quantitive easing' (money printing)I would be happy just to protect it from inflation.
May have been a great investment for the last 10 yrs, but I reckon there's only one way for it to go over the next few years.
Bearing in mind all of the recent bailouts, and 'Quantitive easing' (money printing)I would be happy just to protect it from inflation.
Yeah nothing is for certain at present. Do not touch government bonds with a barge pole IMO.
You can get close to 5%+ on a 3 year bond, which is a good deal and some commentators suggest some banks are offering more than they should on these terms.
Or maybe a diversified portfolio of corp bonds and high yield equities etc?
You can get close to 5%+ on a 3 year bond, which is a good deal and some commentators suggest some banks are offering more than they should on these terms.
Or maybe a diversified portfolio of corp bonds and high yield equities etc?
imo long on property is a no no at the moment as high inflation will reduce peoples spending power and as a result asset prices...
i think there are lots of people of the old generation that think its going to be the same as the 70s i.e. lots of inflation therefore load up on debt buy a house or other assets like classic cars antiques etc....however its different this time as we face massive period of wage stagnation with price inflation...when the qe stops the real picture of how f**ked we are will come out and the vultures will prey on people who scooped up all these assets....
i think there are lots of people of the old generation that think its going to be the same as the 70s i.e. lots of inflation therefore load up on debt buy a house or other assets like classic cars antiques etc....however its different this time as we face massive period of wage stagnation with price inflation...when the qe stops the real picture of how f**ked we are will come out and the vultures will prey on people who scooped up all these assets....
Mclovin said:
imo long on property is a no no at the moment as high inflation will reduce peoples spending power and as a result asset prices...
i think there are lots of people of the old generation that think its going to be the same as the 70s i.e. lots of inflation therefore load up on debt buy a house or other assets like classic cars antiques etc....however its different this time as we face massive period of wage stagnation with price inflation...when the qe stops the real picture of how f**ked we are will come out and the vultures will prey on people who scooped up all these assets....
What he said.i think there are lots of people of the old generation that think its going to be the same as the 70s i.e. lots of inflation therefore load up on debt buy a house or other assets like classic cars antiques etc....however its different this time as we face massive period of wage stagnation with price inflation...when the qe stops the real picture of how f**ked we are will come out and the vultures will prey on people who scooped up all these assets....
As a Financial Adviser I have done quite a few cases like these as people need income but rates are very low and they don't want to take a lot of risk with their capital. I can offer a package which will give 5% tax free return for income. Also have you thought about Inheritance tax as all estate monies over £325000 (for single people) or £650000 (for married people) will be paying 40% of the excess to Gordon Brown. If you are a beneficiery of her estate that's 40% of your money. We can tie all this up and avoid the Inheritance Tax as well. It's straight forward and we offer a polite and friendly service. It's worth a call and if you don't want to go ahead there are no fees to pay. Whatever you do though get professional advice. If you want to get in touch please email me. Rich.
Richard444 said:
As a Financial Adviser I have done quite a few cases like these as people need income but rates are very low and they don't want to take a lot of risk with their capital. I can offer a package which will give 5% tax free return for income. Also have you thought about Inheritance tax as all estate monies over £325000 (for single people) or £650000 (for married people) will be paying 40% of the excess to Gordon Brown. If you are a beneficiery of her estate that's 40% of your money. We can tie all this up and avoid the Inheritance Tax as well. It's straight forward and we offer a polite and friendly service. It's worth a call and if you don't want to go ahead there are no fees to pay. Whatever you do though get professional advice. If you want to get in touch please email me. Rich.
Great sales pitch. I can see the thinking now..... £400k into a bond.... tax-free income (not quite)..... massive commission....In fairness, it would be worth talking to a decent IFA... there are many on here, including myself lol. With this level of funds and I guess other assets too, IHT and care fees need to be an important consideration in addition to achieving the desired income.
Jespin said:
Richard444 said:
As a Financial Adviser I have done quite a few cases like these as people need income but rates are very low and they don't want to take a lot of risk with their capital. I can offer a package which will give 5% tax free return for income. Also have you thought about Inheritance tax as all estate monies over £325000 (for single people) or £650000 (for married people) will be paying 40% of the excess to Gordon Brown. If you are a beneficiery of her estate that's 40% of your money. We can tie all this up and avoid the Inheritance Tax as well. It's straight forward and we offer a polite and friendly service. It's worth a call and if you don't want to go ahead there are no fees to pay. Whatever you do though get professional advice. If you want to get in touch please email me. Rich.
Great sales pitch. I can see the thinking now..... £400k into a bond.... tax-free income (not quite)..... massive commission....In fairness, it would be worth talking to a decent IFA... there are many on here, including myself lol. With this level of funds and I guess other assets too, IHT and care fees need to be an important consideration in addition to achieving the desired income.
NoelWatson said:
Jespin said:
Richard444 said:
As a Financial Adviser I have done quite a few cases like these as people need income but rates are very low and they don't want to take a lot of risk with their capital. I can offer a package which will give 5% tax free return for income. Also have you thought about Inheritance tax as all estate monies over £325000 (for single people) or £650000 (for married people) will be paying 40% of the excess to Gordon Brown. If you are a beneficiery of her estate that's 40% of your money. We can tie all this up and avoid the Inheritance Tax as well. It's straight forward and we offer a polite and friendly service. It's worth a call and if you don't want to go ahead there are no fees to pay. Whatever you do though get professional advice. If you want to get in touch please email me. Rich.
Great sales pitch. I can see the thinking now..... £400k into a bond.... tax-free income (not quite)..... massive commission....In fairness, it would be worth talking to a decent IFA... there are many on here, including myself lol. With this level of funds and I guess other assets too, IHT and care fees need to be an important consideration in addition to achieving the desired income.
theres no money left for anymore bailouts, if i had a bit of cash in these times with uncertain future i'd want it secure in the top two banks....
Mclovin said:
NoelWatson said:
Jespin said:
Richard444 said:
As a Financial Adviser I have done quite a few cases like these as people need income but rates are very low and they don't want to take a lot of risk with their capital. I can offer a package which will give 5% tax free return for income. Also have you thought about Inheritance tax as all estate monies over £325000 (for single people) or £650000 (for married people) will be paying 40% of the excess to Gordon Brown. If you are a beneficiery of her estate that's 40% of your money. We can tie all this up and avoid the Inheritance Tax as well. It's straight forward and we offer a polite and friendly service. It's worth a call and if you don't want to go ahead there are no fees to pay. Whatever you do though get professional advice. If you want to get in touch please email me. Rich.
Great sales pitch. I can see the thinking now..... £400k into a bond.... tax-free income (not quite)..... massive commission....In fairness, it would be worth talking to a decent IFA... there are many on here, including myself lol. With this level of funds and I guess other assets too, IHT and care fees need to be an important consideration in addition to achieving the desired income.
theres no money left for anymore bailouts, if i had a bit of cash in these times with uncertain future i'd want it secure in the top two banks....
the 50k guarantee is an empty promise though, there is nothing behind it like fiat currency lol...therefore might be better to go with banks that can absorb huge huge losses...the st crust hasnt even cracked yet, this government is doing everything it can to remain electable e.g. propping up the housing market which will be to the detriment of tax payers eventually.....there is no money for 50k deposit guarantees, bank bailouts etc....
t crust hasnt even cracked yet, this government is doing everything it can to remain electable e.g. propping up the housing market which will be to the detriment of tax payers eventually.....there is no money for 50k deposit guarantees, bank bailouts etc....Jespin said:
NoelWatson said:
How do you avoid counterparty risk? Do they split it into chunks of 50k?
The bonds that were being talked about are not subject to the £50k maximum compensation limit, they have a higher limit as they are insurance based contracts.Sounds interesting - my neighbour invested a wad in a Kaupthing bond on the advice of an IFA and is still waiting for his money back.
NoelWatson said:
Jespin said:
NoelWatson said:
How do you avoid counterparty risk? Do they split it into chunks of 50k?
The bonds that were being talked about are not subject to the £50k maximum compensation limit, they have a higher limit as they are insurance based contracts.Sounds interesting - my neighbour invested a wad in a Kaupthing bond on the advice of an IFA and is still waiting for his money back.
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