Investment & Investing

What? Bike forums?

No. Those dubious "help me shift the Prince of wherever's money" schemes.

Olly has been running those for years..

(look closer)

Fixed Term Deposit or £5100 in cash ISA and £5100 in stocks&shares ISA.

£10,200 is max per year so you can up that after the first year. HSBC paying 2.4-2-6% on cash.

i have two amounts of money one lot in an ISA, and one lot in a 5 year fixed rate bond. the bond is making almost 5.5% which is the highest i've seen

the problem is i can't touch it until its matured

if you were thinking of doing anything, maybe think about waiting until the next tax year which starts on the 6th of april, the yearly allowance is increased to £10,680

In no rush so that may be a plan.
Ta.

i have two amounts of money one lot in an ISA, and one lot in a 5 year fixed rate bond. the bond is making almost 5.5% which is the highest i've seen

the problem is i can't touch it until its matured

if you were thinking of doing anything, maybe think about waiting until the next tax year which starts on the 6th of april, the yearly allowance is increased to £10,680

Then you would miss getting the money in THIS tax year AND next tax year.

The extra allowance is only 500 over both types.

Then you would miss getting the money in THIS tax year AND next tax year.

The extra allowance is only 500 over both types.

sorry, you are completely correct! so i guess i should have said, make damn sure you get the money in before the 6th April

There was a reason I rushed my ISA re-app through the other day :)

High street ISA products all get funneled into in-house funds which often have poor performance - hence the low returns. Personally, I would rather do a bit of research and find a well-managed Unit Trust to invest in. Potentially more risk, and some tax to pay but better managed than these retail shells.

As an example, I took control of my employee pension at the start of Q4 which was in a similar in-house fund run by a div. It had done nothing for 3 years and had a negative performance. It's now up 30%.

Give your money to braker.

Reading this: http://www.direct.gov.uk/en/MoneyTaxAndBenefits/ManagingMoney/SavingsAndInvestments/DG_10013712

Thinking about just spending it all on lots of tins of beans or something. Got to be easier.

As an example, I took control of my employee pension at the start of Q4 which was in a similar in-house fund run by a div. It had done nothing for 3 years and had a negative performance. It's now up 30%.

That's good work but unfortunately, 3 months does not make much of a track record.

Unless you want to manage your own portfolio 24/7 picking stocks is a mugs game.
Otherwise everyone would do it.
I speak as a professional stock picker.

Oh and I second what hippy said in his original reply.

I've picked grapes before, and currants and actually quite a lot of fruit/vegetable products.

That's good work but unfortunately, 3 months does not make much of a track record.

Unless you want to manage your own portfolio 24/7 picking stocks is a mugs game.
Otherwise everyone would do it.
I speak as a professional stock picker.

It's now up 68% since the start of Q4 '11...

Kiss my face.

Good work!
I just put my entire net worth into NFLX on Jan-1.
Good times.

silver ?
everyones talking about buying silver

I used to rock stocks and shares but cashed them in a while ago to aid with purchasing a house. Epic win was with Cadbury's Schweppes when the takeover was going down, a £10k investment blew up when the offers came in.

Now I'm all about Premium Bonds. As generic as they are, the cash cow is ticking over nicely, I slam a £1k into it each month, I seem to be making monthly wins and it's fun you know? I'm too busy to manage a investment portfolio and can't be arsed paying to have someone do it for me. Premium Bonds FTMFW

You sound rich. There must be good money in the paedo-bear business.

There's always money in filth.

i am thinking about cashing in all my bonds / investments / home and heading to Las Vegas..

#shortcuttototalcapitalism

just don't drink the wine that you've been laying down these last 10 years
there is profit in the claret FACT

wine investments have done very well this past 5 years or so according to Wall Street Journal / Bloomberg / some other source ?

to investment in wine you need to keep it properly, like horizontal, somewhere dark and cool, rotate the bottles every so often apparently

This guy is a GREAT financial blogger and had some interesting things to say about wine investment.
If you are into that kind of thing...
http://blogs.reuters.com/felix-salmon/2010/03/30/why-wine-isnt-an-investment/