How much
Member
- Location
- North East
I have just had my stocks and shares isa statment in for the last year at it has done around 20% ,it didnt do much better then 6% last year but its done well this year , Im even thinking of putting some money in .
Where would you invest £200k and why?
- Thread starter Scrambler
- Start date
Iron150
Member
- Location
- Conwy, north wales
oldoaktree
Member
- Location
- County Durham
oldoaktree
Member
- Location
- County Durham
Holiday lets in my opinion don't pay that well after every you have to do for the guests and the up keep is a hell of a lot higher as people don't put up with poor properties nowadays.
Well mine don't .
Rent to young professionals they generally are ex students who will want a decent sized room ( double sized) but used to house share . Or students who still want a nice house but in a group of 3-5 one or 2 will be happy with singles and pay a bit less .
Example- 4 bed house 450 per room per month- total £1800 a month
3 pay 455 and single pays 435 ! Every one happy.
I go down the route of to include all bills with fair usage . Stops condensation damp , the black mold you get . parents don't like it and cause a stink they generally are paying rent and can cause you a lot of problems trying to explain the fact that they never have the heating ins and when warm air hits a cold outside wall then condensation starts on the wall which then turns black. They don't get it
Students are only in houses for 35 -40 weeks of the year so you click the empty weeks with no gas or electricity usage .
- Location
- Lincolnshire
Start a SIPP, put the allowed amount in before april and another lot after, at the bare minimum the treasury throws another 20% in to top it up.
Doing it for the kids
Member
Ok then, let's up the stakes. What to do with £5 mil looking for best valuation in say 20 yrs time....
little_p
Member
- Location
- Powys / Herefordshire
University students are quite a different breed nowadays. Gone are the days when they lived in pig stys and they treated them as such. I've rented a house out to students now for 5 years and the nearest that I come to it being damaged is a broken bed! In fact, unless you have the house to good standard, you might not rent it. The benefits of the student market is that they tend to sign a tenancy agreement months in advance, they have rent guarantors, they pay a retainer for the summer months and are in realty only in the property for 8 months a year. The major downside are 'bloody ole regulations' i.e. HMO & landlord licences and can be difficult to rent without going through an agency.
Wild Carrot
Member
House property prices are volatile at the moment (and currently going down). Brexit is unlikely to benefit the housing market from the landlords point of view (and ordinary people are increasingly getting too squeezed financially to buy houses). The government is also planning on sorting out housing shortages by building hundreds of thousands more homes across the country. I do not think that given these circumstances, buying more rental properties at the moment is the way to go as a long-term investment (because everything points to rental prices and cost to buy going down over the next few years).
Land on the other hand has only experienced one dip in value in the last 13 years. While more houses can always be bought, there is only a finite amount of land in this country. The value of land keeps on going up (and given all the housing estate expansions, the amount of arable/pasture land isn't increasing!).
So if you are going to do a dull but savvy longterm investment, my vote would go towards land.
Land on the other hand has only experienced one dip in value in the last 13 years. While more houses can always be bought, there is only a finite amount of land in this country. The value of land keeps on going up (and given all the housing estate expansions, the amount of arable/pasture land isn't increasing!).
So if you are going to do a dull but savvy longterm investment, my vote would go towards land.
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renewablejohn
Member
- Location
- lancs
Hydro electric reservoir.
Something like this and still half a million of change.
http://www.johnclegg.co.uk/uk-&-ire...1260&filter_region=1/0/0&filter_price=&page=1
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- Location
- Yelverton, UK
Has anyone else considered Funding Circle? Not sure about the whole £200k but for a portion of it that you don't have to repair a boiler / muck out / plough to earn the income ... I put a bit in and its getting 7%. Of course, BitCoin is popular nowadays too but perhaps its a bit late to jump on that bubble.
A friend of mine has just jumped into Bitcoin in a big way. Big SELL signal to me. Maybe wrong and good luck to them but it's not for me other than a £50 long term bet for a laugh. I expect to be chewing hard on those words in a year or 3. Such is life.
I almost bought some bitcoins right in the beginning, but i mentioned the idea to my old man and was slaughtered with verbal abuse for even thinking about it...
RushesToo
Member
- Location
- Fingringhoe
https://techcrunch.com/2017/11/26/in-praise-of-teslas-bankruptcy/Tesla shares - hes going to mars you know and taking a sports car
Quote "We tend to assume that a company’s purpose is to make money for its shareholders, or at least “not go bankrupt,” because money is how we measure success. And this is in fact true of most companies. But it is not true of Tesla. “When a measure becomes a target, it ceases to be a good measure,” and this is as true of money as it is of any other measure. The purpose of Tesla is not to make money; it is to pioneer fleets of smart mass-market electric cars, and the infrastructure to support them, and battery technology which is not limited to cars. Making money is ancillary."
If its not too rude a question, how old are you? Are you planning a wind-down in the short/medium term, or preparing your farm for the next 20yrs?
Your post suggests that you are not considering investing in your own business? What is your own ROI? I ceased one investment with a paltry future and left the money in the business - it was realising less % than the farm overdraft was costing!
Personally, at this point in time, if I had £200k, I'd be investing in infrastructure, sheds, concrete, drainage. At the moment I have enough years in front of me to see the benefits from such; I will (hopefully!) get to a point in time where this becomes more difficult to justify.
Outside of the business, as a tenant farmer, keep an eye out for that elusive 'finisher' home, or what Woolly says below.