Buy to let - alternatives

[themauvehen]

I have two rental properties. I am seriously considering selling one and keeping the other, mainly because I am finding being a landlord a stressful business. I will probably realise about 50k capital after fees and taxes and paying off the mortgages.

I am thinking that peer2peer lending might be an option for investing the money? I would like to get some sort of income from the money and not just put it into savings which the interest will be less than inflation. I am prepared to take some risk with the money but also want to know what I am doing too and not be "going in blind"!

Any suggestions would be welcome.

Thanks.

Peer to peer is great at the moment, before interest rate rises hit. You can't get a 8% return without risk.

Personally I'd either pay the other mortgage off - if you have one, or look at natural yield income funds. 4% with some capital growth is sustainable over the longer term and more realistic than money lending with little or diversification of risk to other asset classes

UK interest rates are going nowhere fast.
The site I check regularly is offering 50 year fixed rate loans at 3%
and is legally required to make money on every loan.

Loans under 10 years are under 1.5% ...

The last 4 economists I've sat with are anticipating US rises, and where they go..., I agree that the market doesn't appear to be pricing that way, but my point is more that peer to peer is not the 'low risk' answer to higher returns. The market also prices for risk.

The US will raise its rates, agreed, but not by much.
The UK is much more tied to the EU rates - even with Brexit - and they are going nowhere.
Inflationary pressures worldwide are very weak - sooner or later China will decide on a new number for its quarterly growth after all

Well as economists and fund managers seem to be the only people who can be consistently wrong, but keep their job, I'm sure something will happen!

Well as economists and fund managers seem to be the only people who can be consistently wrong, but keep their job
you forgot politicians

We know that never happens

Have you maxed out your Stocks and Shares ISAs? Tax free and consistently do well. Or could invest in a SIPP in stocks and shares- again tax free.

Have you sold your property I am looking for property buy2let let me know the deal. Personally i think property is a good investment provided there is good demand and rent covers mortgage