Ballpark profit on £150k

[Greeny85]

I'm in the process of consulting an IFA but any one know what kind of profit I could expect from savings/low risk investment of £150k?

Low risk- probably below inflation so no real profit.

Hmmm. According to BBC current inflation is 2.1% and according the MSE the best fixed rate account is offering 2.7% so not quite - but I do see your point!

2.7% on £150k? Really, who with?

Well the value of Nike stocks grew about 15% in the last year. Safe stocks is where I would be putting my money.

Stocks and shares ISA, perhaps? Depends on the track record but ours still grows a bit although it may depend on the fund manager.

There is lots on MSE relating to Best Buy current accounts/ regular savers which will give you an idea for some of your money if you want to keep it in cash. Investments are trickier. Over the last year some of my shares have grown 15% but I’ve got funds down 15%. It depends how long your time frame for saving/investing is and your level of risk tolerance. I unfortunately entered the stock market at a high but I’m in it for the long-term so not too bothered about performance in the short-term.

Totally depends on what that £150K means to you and what % you are willing to risk. Current/bank accounts wont make you any profit plus you're only guaranteed £80k back if the bank crashes so you'd have to divide it up. If you won it on the lottery shove it all into bitcoin. I bought £800 a few years back and sold for £76,000 in 2017. Its high risk, high reward, low risk/low reward, although in all honesty bitcoin is more a stupidly high risk compared to whats considered high risk shares, which aren't really high risk at all. If your gonna leave your money in for a say 15 year period, you cant go wrong with a balanced risk portfolio. Thats a equal balance of high/med/ shares and low risk govt bonds that will pretty much guarantee a healthy profit margin for minimum risk. Go with a reputable investment firm. I use Dolphin Brewer and find them exellent

You are taking 100% risk you will lose your money by leaving it in cash. Time alone will reduce it to nothing.

What adrienne says about balanced mandates (but ignore the bitcoin part).