FabSwingers.com forum: Investments / Investing

By *heekyguy2 OP Man
over a year ago

Local

Posted this is Scotland forum and then realised I should have posted here.

Has anyone tried to make their money work them in the investment world?

What has everyone done/invested in?

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By *layfullsamMan
over a year ago

Solihull

"Posted this is Scotland forum and then realised I should have posted here.

Has anyone tried to make their money work them in the investment world?

What has everyone done/invested in?"

Items I can use and enjoy, if they go up in value it's great and if they don't I've still got them and They're mine to enjoy.

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By (user no longer on site)
over a year ago

I stacked a load of silver bullion

Sold most of it when the price went up last year

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By *heekyguy2 OP Man
over a year ago

Local

"Posted this is Scotland forum and then realised I should have posted here.

Has anyone tried to make their money work them in the investment world?

What has everyone done/invested in?

You mean like jewellery or watches etc?

Items I can use and enjoy, if they go up in value it's great and if they don't I've still got them and They're mine to enjoy.

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By *inkySlinkyCouple
over a year ago

Leeds

Property is best investment.

Sally

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By *htcMan
over a year ago

property is the best investment, house will rise over time making much more money, i did mine went up over half of what i paid in 4years, just sold it as buying bigger.

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By (user no longer on site)
over a year ago

Invest in yourself

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By (user no longer on site)
over a year ago

"Property is best investment.

Sally"

This.. although living in a development can drain you

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By (user no longer on site)
over a year ago

Iceland pension fund

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By (user no longer on site)
over a year ago

"Property is best investment.

Sally

This.. although living in a development can drain you"

We bought our first house at 22 as a one to do up.

Had it valued at quite a bit more than we paid less than three years ago.

I want to sell up and do another but mrs is having none of it

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By (user no longer on site)
over a year ago

"Property is best investment.

Sally

This.. although living in a development can drain you

We bought our first house at 22 as a one to do up.

Had it valued at quite a bit more than we paid less than three years ago.

I want to sell up and do another but mrs is having none of it

Exactly what I done.. left a month before i'd been there 3 years with a 40% mark up.. i'm now plastering whilst watching motd

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By (user no longer on site)
over a year ago

"Property is best investment.

Sally"

I agree

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By *heekyguy2 OP Man
over a year ago

Local

Yeah I figured most would say property. Anyone tried anything else?

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By (user no longer on site)
over a year ago

"Yeah I figured most would say property. Anyone tried anything else?"
Over a very long period of time Stocks and Shares have consistently beaten the performance of the housing market.

Unlike houses , you do not incur any maintenance costs or if renting out run the risk of unpaid rent .

The advantage of property is that most people borrow on a mortgage to buy it . You are unable to do this to buy a portfolio is stocks and shares .

If you use the power of compounding and re invest all your dividend income , the growth on stocks and shares will be even greater.

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By (user no longer on site)
over a year ago

6 years ago I invested my cash Isa allowance (£5340) into what's called a multi index equity bond. It matures this year and is currently 47% above what i invested.

I buy direct company shares each month, my yearly dividend from these pays for my trip back home every year.

The rental income from a house only really pays the mortgage off each month, but I guess the house is effectively paying for its self.

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By *unandbuckCouple
over a year ago

Sheffield

As an alternative have a look at funding circle. You can invest in uk businesses directly. Generally you spread your investment over dozens to minimise risk. They vet, credit check the companies. Government is a backer too, you can get 7% ish, not earth shattering, but different.

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By *ynecplCouple
over a year ago

Newcastle upon Tyne

Yes but it is important that you have a varied portfolio so that the risks are spread out.

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By *layfullsamMan
over a year ago

Solihull

"Posted this is Scotland forum and then realised I should have posted here.

Has anyone tried to make their money work them in the investment world?

What has everyone done/invested in?

You mean like jewellery or watches etc?

Items I can use and enjoy, if they go up in value it's great and if they don't I've still got them and They're mine to enjoy.

Classic motorbikes are one example

I bought several ap50 and fs1e when they were a couple of hundred each and they're now up in the thousands.

Its trying to make an educated guess as to what's going to be big next before they fly up in value.

Currently have 5 superbikes from the 80's and 90's that I think will grow hugely in value but I ride them all and if they don't I'll get back what I paid

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By (user no longer on site)
over a year ago

"Posted this is Scotland forum and then realised I should have posted here.

Has anyone tried to make their money work them in the investment world?

What has everyone done/invested in?

You mean like jewellery or watches etc?

Items I can use and enjoy, if they go up in value it's great and if they don't I've still got them and They're mine to enjoy.

Classic motorbikes are one example

I bought several ap50 and fs1e when they were a couple of hundred each and they're now up in the thousands.

Its trying to make an educated guess as to what's going to be big next before they fly up in value.

Currently have 5 superbikes from the 80's and 90's that I think will grow hugely in value but I ride them all and if they don't I'll get back what I paid"
I have seen people claim to make a lot of money from old tractors and lorries . However the returns which they make are difficult to assess because they do not always state how much they spent to get them to the condition that they are in.

Luckily motor bikes do not take up a big storage area and you also have the pleasure of using them.

Looks like you might be on to a winner.

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By *2000ManMan
over a year ago

Worthing

Cannot go wrong with property. If you want to buy shares, they are for long term unless you really know what you are doing.

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By (user no longer on site)
over a year ago

House prices going up is only good news if you own more than one, have no intention of moving , or intend to downsize .

If you wish to better yourself by trading up it is actually bad news as the property which you aspire to buy has become more expensive and by a much greater amount than the appreciation in value of your own house .

Not everyone is a winner in property investment . There was discussion in Ireland of demolishing some partly completed housing estates because no one wanted to buy the houses .

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By *unandbuckCouple
over a year ago

Sheffield

Property is fine if you have £100k plus, or have sufficient income to cover a mortgage on a second property. That also implies your job js very secure and mortgae rates don't change too much, make it unaffordable.

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By *layfullsamMan
over a year ago

Solihull

"Posted this is Scotland forum and then realised I should have posted here.

Has anyone tried to make their money work them in the investment world?

What has everyone done/invested in?

You mean like jewellery or watches etc?

Items I can use and enjoy, if they go up in value it's great and if they don't I've still got them and They're mine to enjoy.

Classic motorbikes are one example

I bought several ap50 and fs1e when they were a couple of hundred each and they're now up in the thousands.

Its trying to make an educated guess as to what's going to be big next before they fly up in value.

Currently have 5 superbikes from the 80's and 90's that I think will grow hugely in value but I ride them all and if they don't I'll get back what I paid I have seen people claim to make a lot of money from old tractors and lorries . However the returns which they make are difficult to assess because they do not always state how much they spent to get them to the condition that they are in.

Luckily motor bikes do not take up a big storage area and you also have the pleasure of using them.

Looks like you might be on to a winner. "

Fingers crossed but I won't be gutted if the market value crashes, it got really stupid a few years ago which led to rich people buying classic bikes to put in climate controlled storage as investments.

Still thrash mine on warm summer days and evenings although the tyres and brakes are a bit worrying after being out in a modern bike

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By *atietvsheffTV/TS
over a year ago

Sheffield

I am a chartered financial adviser, and have been for 27 years, diversification is key across sectors and geography, fund of fund, manager of managers, are better suited for most mainstream investors but ensure you complete a suitable risk profile questionnaire to ensure your money goes into the right portfolio of the FoF or MoM, trackers or ETF's cheaper, ISA wrap whenever possible and don't invest what you can't afford to lose. Maximise tax free investments like ISA's, don't get put off pensions by thinking they are for old people or the miselling of the past, new pension freedom rules means pensions are a tax free investment with access post 55 if you need the funds. However I must say that you should really take professional advice and not listen to blokes down the pub or sound bites on forums like this albeit from well intended respondents, hard earned money needs to be looked after wisely with regular reviews taking into account all your existing assets,income,work benefits, age, health, risk profile, capacity for loss, expected inheritances, tax, timescales, investment objectives etc etc etc. Investors to me are like "homeowners" Some people are DIY experts and can do work around the house themselves and that's fine, even then they sometimes have to call in a professional to put it right when it goes wrong orbthey are out of their depth, others have no DIY skills at all and call in a professional when needed, others make sure it's built right in the first place and then is serviced every year to make sure if anything goes wrong they get it sorted quickly. Don't worry about the cost of a financial review a good advisor will save and earn you a lot more in the medium to long term that trying to DIY

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By (user no longer on site)
over a year ago

I bought several properties outright, back in 96 in Peckham/East Dulwich, South London.

The property prices have increased round here beyond all my expectations, my £59k flat sold last year for £700k.

Needless to say I've now retired.

If you are looking for a good long term return on property in London, buy anything you can on the Old Kent Road.

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By *layfullsamMan
over a year ago

Solihull

"I am a chartered financial adviser, and have been for 27 years, diversification is key across sectors and geography, fund of fund, manager of managers, are better suited for most mainstream investors but ensure you complete a suitable risk profile questionnaire to ensure your money goes into the right portfolio of the FoF or MoM, trackers or ETF's cheaper, ISA wrap whenever possible and don't invest what you can't afford to lose. Maximise tax free investments like ISA's, don't get put off pensions by thinking they are for old people or the miselling of the past, new pension freedom rules means pensions are a tax free investment with access post 55 if you need the funds. However I must say that you should really take professional advice and not listen to blokes down the pub or sound bites on forums like this albeit from well intended respondents, hard earned money needs to be looked after wisely with regular reviews taking into account all your existing assets,income,work benefits, age, health, risk profile, capacity for loss, expected inheritances, tax, timescales, investment objectives etc etc etc. Investors to me are like "homeowners" Some people are DIY experts and can do work around the house themselves and that's fine, even then they sometimes have to call in a professional to put it right when it goes wrong orbthey are out of their depth, others have no DIY skills at all and call in a professional when needed, others make sure it's built right in the first place and then is serviced every year to make sure if anything goes wrong they get it sorted quickly. Don't worry about the cost of a financial review a good advisor will save and earn you a lot more in the medium to long term that trying to DIY"

Wasn't it professional advice(not just financial) that's got the country in a financial and other messes at numerous times over the years ?

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By *oodmessMan
over a year ago

yumsville

Investing for anyone with no knowledge of stocks and shares is very difficult I think. My mother who is pretty savvy with her money invested her pension and took out an ISA tracker, investing a gross amount of money. Little did she know she was sole person responsible for tracking the shares, despite paying for an account manager. Whilst she knew stocks and shares can go up and down there is absolutely no protection to the layman when investing, when the Bank advises to invest in only one set of shares not a diversified portfolio. She came out with just over £2k when they were decreasing in value only because she sold them.

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By *heekyguy2 OP Man
over a year ago

Local

Some really great replies!

What about gold or precious stones, anyone tried that?

Would like to reach out to some of you folks if you are open to it?

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By *atietvsheffTV/TS
over a year ago

Sheffield

"Some really great replies!

What about gold or precious stones, anyone tried that?

Would like to reach out to some of you folks if you are open to it?"

Gold should always be part of a balanced portfolio, if you have a secure holding place then buying the physical asset is an option or you can buy into a gold fund either via an OEIC or an ETF, but gold like any other asset class is just one asset class, property, equities, deposits,gilts, bonds, commodities, peer to peer, EIS,VCT's,seed EIS's are all part of building an investment portfolio, making sure the investments are in the correct wrapper I.e OEIC,ISA,pension,life fund are also important so you can access when required with the most advantageous taxation based upon your circumstances.

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By *heekyguy2 OP Man
over a year ago

Local

Nice!

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By *oncupiscentTonyMan
over a year ago

Kent

Have a look at Stanley Gibbons

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By *mmabluTV/TS
over a year ago

upton wirral

[Removed by poster at 06/03/17 14:45:30]

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By *mmabluTV/TS
over a year ago

upton wirral

"Yeah I figured most would say property. Anyone tried anything else? Over a very long period of time Stocks and Shares have consistently beaten the performance of the housing market.

Unlike houses , you do not incur any maintenance costs or if renting out run the risk of unpaid rent .

The advantage of property is that most people borrow on a mortgage to buy it . You are unable to do this to buy a portfolio is stocks and shares .

If you use the power of compounding and re invest all your dividend income , the growth on stocks and shares will be even greater."
I agree 100%

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By (user no longer on site)
over a year ago

Bitcoin bought £2300 now £4400 9 months

Predicted to go up more over next few years. No guarantee but a fairly good bet in my opinion.

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By (user no longer on site)
over a year ago

Im investing in debt, alot of it

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By (user no longer on site)
over a year ago

Inside mattress, or put it on a horse.

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By (user no longer on site)
over a year ago

"Some really great replies!

What about gold or precious stones, anyone tried that?

Would like to reach out to some of you folks if you are open to it?"

Have traded gold on a short term basis. On Margin.

Not for the faint hearted though.

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By *innamon!Woman
over a year ago

no matter

I have shares..

Premium bonds -won 725 since last october.

Opened a tesco account 3% on 3k

I follow Martin Lewis and shift stuff about as he recommends

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By (user no longer on site)
over a year ago

Quality watches. Rolex patek phillipe etc.

Buy savvy and they will always return a good yield.

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By (user no longer on site)
over a year ago

"Im investing in debt, alot of it

Have you got some advice on it? Always worth doing.

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By *heekyguy2 OP Man
over a year ago

Local

Such a great resource of info in here now. Thanks guys

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By *imiUKMan
over a year ago

Hereford

Invest in livestock, obviously.....

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By (user no longer on site)
over a year ago

If youve got 1-2k spare laying around for short term gain matched betting is your best option.

Check out the yesbets site for some tutorials.

Its a fair bit if effort but the main limiting factor is having a fair bit of cash to cover the lay liability.

Few k means you csn do a lot of offers simultaneous.

Short term could make up to a grand in the first month realistically a few hundred a month after that depending on efdort

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