Investment & Investing

live in long term investment. Perhaps later a rentable investment.

well there's never a bad time for that
long term houses will go up ( just don't chose a peak to buy and a trough to sell ) otherwise you're golden

we've had a 15 month boom
talk in papers today of govt looking at ways of cooling the housing bubble
that could either lead to a slowing and steadying or a crash if done badly
interest rates are going to go up at some stage in the coming years ... probably not much but they will rise

i'd say we've still got a way to go on this rise but not at the same fast rate
global economic crises apart ( which unfortunately look quite common currently, us debt russia ukraine / china credit bubble bursting ) houses should be a good 15 - 20 year investment

my problem is im really good at choosing a peak to buy and a trough to sell

Buy somewhere in north west London... i hear that where things are happening and stuff.

im not interested in buying someone... Just a flat... im thinking 30

boast post coming up ... please scroll past if you don't want to read

just been photographing the deeds to my property, mortgage company sent them to me last week
interesting how fancy they did things back in the 1870's calligraphy wax seals and everything
nice historic documents that state the house is mine, freehold and all paid for !!
yahoo

must be said i wouldn't want to be starting afresh / buying my first house in today's market

good luck cb

im thinking 30

?

flat 30 ;-)

oh. Is it for sale? and please don't

must be said i wouldn't want to be starting afresh / buying my first house in today's market

good luck cb

cheers... Not sure im going to be able too... Seems like a monumental task where i should be earning like £250000 a year...

i reckon it's been a good investment
haven't dabbled much with stocks and shares, gold or silver, etfs / pension funds / trackers / bitcoin / ipo's / flotations / magic beans... just houses

bought after the previous big house crash in a cheap area that got lucky

what is it they say about luck and judgement !

just saw this
http://www.theguardian.com/artanddesign/architecture-design-blog/2014/may/07/right-to-nick-boles-councils-self-build-sued

quite apt given the current chat

my sister in brighton lives on a road where all the houses were self builds done back in the 70's
she bought one of the guy who built it, the whole neighbourhood helped each other build their houses if one had a specific skill that would be his task on each house, seems like a nice way to do it and built community spirit / hatred nice and early

boast post coming up ... please scroll past if you don't want to read

just been photographing the deeds to my property, mortgage company sent them to me last week
interesting how fancy they did things back in the 1870's calligraphy wax seals and everything
nice historic documents that state the house is mine, freehold and all paid for !!
yahoo

I should be there this year - well done Sir!

Tesla...

I'm looking for a very low risk investment for around £30-40k

I want to be able to have pretty instant access to it but can have it 'locked' for 1 year

Currently I'm looking at something like premium bonds but could my money work a little harder elsewhere?

The lump sum will form part of my deposit but this won't be for 1 year or so as I'm waiting on a couple of liquidity events in this period.

Any help would be great.

Minimal management involved, Post Office Online Saver Account - 1.4%

If your willing to put in a little work you can spilt your money between Santander 123 - 3%, TSB Classic Plus - 5%, Nationwide FlexiDirect - 5%, Tesco Bank - 3%, but all of these would require you to move money between them once per month.

i'd be interested in forumers views on > http://www.profitconfidential.com/stock-market/stock-market-crash/

Some valid points on the US market in that article.

In the UK, Price / Earnings ratio of the FTSE 100 is currently about 16x... it hit 30x in Dec'99 prior to the crash... so optically, valuations aren't excessive.

That said, there are some macro issues that I don't think are fully priced-in, and P/E is not the only metric that needs to be considered. If I had an equities portfolio, I would be looking to take some money of the table and diversify.

The beauty of predicting a crash is that you will be right. Eventually.

There is [was?] a forum called House Price Crash that predicted a crash from about 2004 then in 2008 was all self-congratulatory.

Classic car prices is a crash theory I could get behind. Some have moved on 400% in the last few years.

QE has had a massive positive effect on the markets, loads of money looking for a home, quite a bit found it's way to equity exchanges, plus stock buy backs from companies not making aquisitions, lots of upside factors
once that begins to tail off there could be some scope for a drop in world exchanges

but when who knows

also some big elections coming up
it would be silly of governments to have a massive crash just before they want to get re elected
once us and uk elections have come and gone it might be a different playing field

Hello,

I live in New Zealand but will be returning to the UK in a year or 18 months or so. We aren't staying here so our money has just been sitting in the bank (with 5% interest, you wouldn't get that in the UK...)

Normally I keep a close eye on the exchange rate but then I went on holiday for a month, and the dollar dropped against the pound by 20%. It's probably going to drop by another 5% by the end of the year, due to weak dairy prices in NZ.

Needless to say this has lessened my GBP-wealth by many thousands of pounds, which is painful. I am in a dilemma on whether to send some (or all) money home now (I probably need a minimum 10k nzd float over here for emergencies) or just keep the lot over here and see if it comes back up, although it'll probably go down and settle.

Is there something smarter I can do with my money right now, or is this something I just need to chalk up to experience and try to forget about?

@lae: Have you made any plans to limit your tax liability on any money brought into the UK?