If you had cash to invest now where would you put it?

[suggestionsplease1]

I'm in a relatively fortunate situation at the present time and have cash available to invest. I already have an emergency fund so if things go badly wrong I can fall back on that for probably about 10 months.

This seems like it could be an opportunity to get back into the markets - if you had £10,000 available where would you put it?

I am looking at funds rather than individual stocks/shares to spread risk a bit.

I am aware this is a risky move and am prepared that I could lose a lot in the short term, if not altogether but I think I still want to go ahead.

In a well diversified global multi-asset fund, within a tax beneficial wrapper, such as pension/SIPP/ISA.

Personally I am doing 80% equities 20% bonds/gilts mix as 100% equities is too volatile for me, even 80% is big up and down.

Fine wine :)

Hmm, fine wine would probably be a bit too risky for me!

Yes, ISA is what I'm thinking of, I am pretty fortunate in that I took all my money out of my ISA in May 2018 when markets were high to help fund my house purchase, I didn't use it all on the deposit and never got round to putting the remainder back in - now seems like it might be the moment.

'Well diversified global multi-asset fund' sounds like the right sort of approach to me spread the risk as who knows how things will pan out.

Depends on your attitude to money and risk - I would prioritise paying off any debts including mortgage, then invest

Hmm, I opened an investment ISA and went for fund tracker of Asian markets in the end. We will see.

I do have a mortgage to pay off but interest rates are so low at the moment I think there is more to be gained from investment. But yes, I have a fairly high tolerance for risk - so on my own head be it!

Peer to peer money lending - ratesetter are offering 3% at the moment which is much higher than any bank!

Hermes handbag?

lol Hermes handbag - shows how fashion aware I am, I thought that was something to do with the delivery company.

Peer-to-peer I like in principle but got badly burned with Funding Circle, with a lot of bad debt, poor recovery by them, and later on difficulty withdrawing due to everyone thinking the same and wanting to take their money out leading to long delays. So I'm out of that for the time being, although I still like it as a concept and I'm sure there are better run organisations delivering it and Ratesetter is likely one of them.