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      12-11-2015, 04:50 PM   #1
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Best investments right now?

We are in process of selling our house and hoping to move next year, and in the move I've got a number of options to consider with the equity from the house we sell:

Put it (almost) all in to the next house

or thinking that could pay off one or both cars

or could keep some money back and put it in to something else- BTL property, shares etc.

Putting it in to the house reduces the mortgage but it won't reduce the interest rate any further and as we won't be borrowing all that much then the monthly payment isn't all that high, so I feel I should try to do something more interesting with the money, but just can't decide what...

Stocks aren't really looking that attractive at the moment, and all the recent changes to the BTL environment means I'm not sure that the hassle of owning rental properties is worth it for the gain. Curious as to what other folks views are?

Sensible and safe thing to do would just be to pay off at least the wife's car I guess, but it's just so boring!
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      12-11-2015, 04:58 PM   #2
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Quote:
Originally Posted by Tengocity View Post
We are in process of selling our house and hoping to move next year, and in the move I've got a number of options to consider with the equity from the house we sell:

Put it (almost) all in to the next house

or thinking that could pay off one or both cars

or could keep some money back and put it in to something else- BTL property, shares etc.

Putting it in to the house reduces the mortgage but it won't reduce the interest rate any further and as we won't be borrowing all that much then the monthly payment isn't all that high, so I feel I should try to do something more interesting with the money, but just can't decide what...

Stocks aren't really looking that attractive at the moment, and all the recent changes to the BTL environment means I'm not sure that the hassle of owning rental properties is worth it for the gain. Curious as to what other folks views are?

Sensible and safe thing to do would just be to pay off at least the wife's car I guess, but it's just so boring!
IMO longer term gains would be paying off the mortgage but I suppose the best way to look at it is where you will be in 10, 15, 20 years time in terms of interest payments on the things you have, cars, mortgage etc

It depends when you got your last mortgage, quite possibly it will have been in the last 6 years so will be cheap as chips, it won't always be like that.

I'm in a differnt position where I have a house that will benefit greatly from being extended and will add far more value than the financial outlay so that's where I'm spending my next chunk of cash.
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      12-11-2015, 05:06 PM   #3
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Quote:
Originally Posted by Broncho View Post
IMO longer term gains would be paying off the mortgage but I suppose the best way to look at it is where you will be in 10, 15, 20 years time in terms of interest payments on the things you have, cars, mortgage etc

It depends when you got your last mortgage, quite possibly it will have been in the last 6 years so will be cheap as chips, it won't always be like that.

I'm in a differnt position where I have a house that will benefit greatly from being extended and will add far more value than the financial outlay so that's where I'm spending my next chunk of cash.
Yes indeed I know that one can't expect the current low rates to be there forever but I can't see them rising anytime soon, which is why it does feel as though I should be able to do something else with the money that would be worth 4% per annum... I've been drip feeding money in to the stock market for many years so I'm happy to leave it, but not sure I want to invest a larger sum all at once, as if you time that wrong then it would be very painful!

Paying off one car makes sense, but condition of my car allowance is that my car is no older than 4 years means staying in PCPs makes life simpler and easier, or indeed just opting back in.
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      12-11-2015, 05:47 PM   #4
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Buy oil, apparently some sage named NTG has persuaded the world to trade in their diesels for petrol cars and when the oil price rises again you'll be minted
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      12-11-2015, 06:18 PM   #5
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If you have got a sizeable chunk ie over £100K have a punt on Gold, just had a dabble myself
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      12-11-2015, 06:22 PM   #6
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Quote:
Originally Posted by Mark1966
If you have got a sizeable chunk ie over £100K have a punt on Gold, just had a dabble myself
I'm half Chinese so at some point I'm likely to inherit a chunk of chintzy gold anyway! I sold some a few years back and totally lucked out as it turned out to be the peak of the market.... Fallen a long way since though, so maybe not a bad idea. Though no yield on it so it's a total speculative punt on something happening which will lead to folk wanting to hold it and driving price higher.
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      12-11-2015, 06:33 PM   #7
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Quote:
Originally Posted by Tengocity View Post
I'm half Chinese so at some point I'm likely to inherit a chunk of chintzy gold anyway! I sold some a few years back and totally lucked out as it turned out to be the peak of the market.... Fallen a long way since though, so maybe not a bad idea. Though no yield on it so it's a total speculative punt on something happening which will lead to folk wanting to hold it and driving price higher.
It is a pure punt granted, I have a spread of investments including 9 properties in the UK but imo the goodness has been sucked out of property in the UK and certainly in the SE. Another option you have is property on the Continent/States which should see a nice increase in the next 5 years. Just remember if it is money you cant afford to lose you are far better off paying off your existing debts before you have a punt on anything more risky.

Having said that Gold is my big tip guys
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      12-12-2015, 02:00 AM   #8
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An M3 CSL?.... :

If it were me, I would clear the mortgage, then use the monthly cash you have to invest in stocks and shares.
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      12-12-2015, 02:22 AM   #9
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Do you have enough spare to invest in a second property for buy to let? Usually 30% deposit i think is the requirement?

Then buy a flat in a city centre, either Glasgow or Edinburgh and rent out to professionals. To put things into perspective, I know someone that bought a £170k flat in Manchester City Centre. and the agencies valued the rent at £1700/m . Granted, it is bigger than your average flat at 1000+ ft, and space is normally a premium. If you can find a gem like that then it makes a good investment.
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      12-12-2015, 02:23 AM   #10
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I would look at 5 year plans.

What you plan for in, 5, 10, 15 years etc.

Spread the money over a few different things.

Also does your pension scheme allow external top ups?

However, as mentioned look at paying of any existing debts if required.

Then there is of course kids and schooling, another huge cash outlay decision / opportunity.
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      12-12-2015, 02:35 AM   #11
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If you'd said last week if have suggested the GT4 that my mate has just cancelled his order for...
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      12-12-2015, 02:49 AM   #12
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Quote:
Originally Posted by Apl000?
An M3 CSL?.... :

If it were me, I would clear the mortgage, then use the monthly cash you have to invest in stocks and shares.
I can't clear the mortgage with it but paying off more doesn't allow me to reduce the interest rate any further and it's only around 3% as it is, so just thinking if I could put it in to something else. If you put it in to the house then it's hard to get back out easily if you want to reinvest somewhere else.
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      12-12-2015, 02:51 AM   #13
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Quote:
Originally Posted by roshambo
Do you have enough spare to invest in a second property for buy to let? Usually 30% deposit i think is the requirement?

Then buy a flat in a city centre, either Glasgow or Edinburgh and rent out to professionals. To put things into perspective, I know someone that bought a £170k flat in Manchester City Centre. and the agencies valued the rent at £1700/m . Granted, it is bigger than your average flat at 1000+ ft, and space is normally a premium. If you can find a gem like that then it makes a good investment.
I had thought about a BTL property but the recent tax changes and stamp duty increases make it less attractive, and I think the hassle factor is underestimated. It is something I may look in to again though.
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      12-12-2015, 02:57 AM   #14
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Quote:
Originally Posted by Brigand
I would look at 5 year plans.

What you plan for in, 5, 10, 15 years etc.

Spread the money over a few different things.

Also does your pension scheme allow external top ups?

However, as mentioned look at paying of any existing debts if required.

Then there is of course kids and schooling, another huge cash outlay decision / opportunity.
It's longer term thinking that's driving this to be honest- we have a lifestyle we are happy with, and with my wife being 3 years older than me I would like to be able to retire early!
So I already have an AVC which I increase each year when I get a pay rise. But with lifetime allowances now in place on pension pots before 55% tax rate kicks in I'm tracking at about the right rate for pensions, hence my looking elsewhere.
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      12-12-2015, 02:58 AM   #15
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Quote:
Originally Posted by Cootie
If you'd said last week if have suggested the GT4 that my mate has just cancelled his order for...
Hmmm... I like the thinking and the fact that any vaguely desirable car in limited supply seems to be going through the roof has had me thinking about these things. Maybe not about a GT4 but at the cheaper end of the market!
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      12-12-2015, 03:40 AM   #16
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Quote:
Originally Posted by Mark1966 View Post
It is a pure punt granted, I have a spread of investments including 9 properties in the UK but imo the goodness has been sucked out of property in the UK and certainly in the SE. Another option you have is property on the Continent/States which should see a nice increase in the next 5 years. Just remember if it is money you cant afford to lose you are far better off paying off your existing debts before you have a punt on anything more risky.

Having said that Gold is my big tip guys
Mark do you buy physical gold? If so what vendor do you recommend please? Any tips on gold?

I've always been interested in gold or silver. When the zombie apocalypse happens it will be a lot more valuable than an ISA
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      12-12-2015, 03:46 AM   #17
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Quote:
Originally Posted by Andrewthefirst
Quote:
Originally Posted by Mark1966 View Post
It is a pure punt granted, I have a spread of investments including 9 properties in the UK but imo the goodness has been sucked out of property in the UK and certainly in the SE. Another option you have is property on the Continent/States which should see a nice increase in the next 5 years. Just remember if it is money you cant afford to lose you are far better off paying off your existing debts before you have a punt on anything more risky.

Having said that Gold is my big tip guys
Mark do you buy physical gold? If so what vendor do you recommend please? Any tips on gold?

I've always been interested in gold or silver. When the zombie apocalypse happens it will be a lot more valuable than an ISA
Yes I agree, worth having some in your portfolio. I'd want it in those funky little gold bars
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      12-12-2015, 03:51 AM   #18
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Quote:
Originally Posted by Andrewthefirst
Quote:
Originally Posted by Mark1966 View Post
It is a pure punt granted, I have a spread of investments including 9 properties in the UK but imo the goodness has been sucked out of property in the UK and certainly in the SE. Another option you have is property on the Continent/States which should see a nice increase in the next 5 years. Just remember if it is money you cant afford to lose you are far better off paying off your existing debts before you have a punt on anything more risky.

Having said that Gold is my big tip guys
Mark do you buy physical gold? If so what vendor do you recommend please? Any tips on gold?

I've always been interested in gold or silver. When the zombie apocalypse happens it will be a lot more valuable than an ISA
It can be bought within an investment ISA via a physical gold ETF. (Epic PHGP). This effectively gives you exposure without having to worry about the security of storing it yourself.

May depend on how much you're planning to buy.

In terms if whether it will be more valuable than an isa really depends on what you put in the isa....
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      12-12-2015, 04:15 AM   #19
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I'd agree with Mark's post above that gold may be looking attractive now. It's had a pretty terrible 18 months or so.

That said I think like everything else a balance likely needs to be struck because as you point out above it pays no dividend and probably won't do that well in a deflationary environment.

I would definately consider shares if you're planning to hold for a while. Certain markets I agree look bubbly and may look expensive but there are markets which offer decent value. Emerging market stocks are worth a look as well as certain European markets. That said exposure to the stocks on the UK market will likely do fine over the long term if you're prepared to hold.

I don't have the expertise to buy individual stocks in foreign markets (or arguably even in our own ) so I again I tend to invest via ETfs with divs reinvested wherever possible.

There are also large numbers of more specialist funds you could consider. I like cyber security as a concept with everything that's going on in the world and recently put a bit of money into a fund that invests in companies engaged in this area.

Good luck, world really is your oyster with investments and I'd take time to investigate a few different areas before taking the plunge.

Last edited by rich100; 12-12-2015 at 04:23 AM..
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      12-12-2015, 04:16 AM   #20
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Mortgage pay off for me. However that's not the sexy option for potential big gains but it buys peace of mind.
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      12-12-2015, 04:24 AM   #21
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Mortgage pay off for me. However that's not the sexy option for potential big gains but it buys peace of mind.
Never a bad thing, I'd like to be shot of mine.
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      12-12-2015, 04:36 AM   #22
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Never a bad thing, I'd like to be shot of mine.
I may be getting another mortgage next year.

Have first refusal on a property coming up near Speyside.

Family friend looking at moving.

We had the chance to buy it back in 1988 for about £30k, however stupidly did not.

It now has 5 double bedrooms and 2 living rooms perfect to buy and rent out.

Ideal for retiring to as well.

Will see what 2016 brings.
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