You have 300k to invest, wwyd?

[Theyarehappygolucky]

How would you invest £300k? What do you think your return would be on a 10 year period?

I’d buy a property and rent it out.

I would talk to a financial adviser and get them to invest it. Or just put it into a fund such as Fundsmith. Buying and renting property is complicated and not necessarily a good return.

How do you find high performing funds? Is there a league table? I'm happy to talk to a financial advisor but I'd like to work out the basics first, so it's efficient

Not float on mumsnet and seek
proper financial advice

I'd invest in Lockheed Martin shares and physical gold. 50% return in 10 years time. Mark my words

Santander (and presumably most other banks) have an Investment Hub where you can read up on different funds and spread money across however you want.

Everyone always recommends the money facts podcasts

I'd invest in tracker funds with the advice of a financial advisor. (this is what I actually do). Averaging about 15% at the moment.

I use iWeb.

Stock market is meant not to be very good in the short term. Perhaps try a credit union or art or a car instead

I wouldn't buy property to rent out. It is not a "passive investment" at all and imho you are exposed to many risks for a not very spectacular return. There are laws to protect your investment but a creaking court system to enforce/uphold those laws do they might as well not exist. Of course if you break the law there are penalties which are much easier to enforce on you. Add to that if you complain, you're always the bad guy, nasty landlord even if you've dealt fairly and legally with the tenants.
Speak to a good FA and invest it in something with a reliable return and low risk, no ass-pain

First off I'd be wary of taking non-experts' advice!

That said .... I'm not an expert, but I'm still going to dole out advice 😁The best thing you can do is stick it somewhere safe for at least three months while you teach yourself about investing.

Decide what proportion of the sum you would like to keep in a very low-risk, relatively low-return vehicle such as a government bond or bank fixed-term deposit. This is money that you may not be able to access instantly, so not a true emergency fund, but it will be there for you at some point. And what proportion you are comfortable putting into the more risky arena of market investments, where you may lose money overall.

Whatever you do, try to diversify your investments - don't put all your eggs into one, two or even three baskets.

As a financial adviser of course my first thing is to say.....speak to a financial adviser !

£300k is too much to get wrong. Most of the suggestins already said on here are half brained. Certainly don't buy an investment property & certainly don't invest in just one fund.

You need advice because you need to make sure you invest in tax-efficently. That would be a mix of ISA's, Pensions, Investment Bonds & Premium Bonds. There are other financial instruments but those are just for starters.

The first thing an advisor would do is complete a "fact find"......although I like to call it a conversation. They would need to know your age, your current employment status & tax bracket. Then they would need to know what current assets you already have, your investment timeframe and most importantly your attitude to risk.

And most of all.......what might suit your best friend or neighbour might not be right for you. Financial Advice is individualised. Dont do what you your mate down the pub says, or even ransoms on the internet.....like me.

Take Independent Financial Advice.

Find an IFA.
the good ones have research departments that will track the performance of funds and recommend the best ones.

if you know the names of funds then you can look them up on a site like Fidelity and see the performance over last 10 years.
they should also show the performance of funds they recommend

As an IFA charge on going fee’s the bigger the return they make for you the more they make so they dont want to put you in shit investments!

Always safe bank or building society, never anything more adventurous

Get an independent FA. We use St James place and Investec and are happy. We take monthly dividends and although things are obviously slow at the moment we're happy to sit it out for the next 10 years or so. I wouldn't invest in property. Especially not with a Labour government (I'm not complaining, I voted for them!).

I am an expert! I’m a professional in this area. And this is quite good advice

I’d give it to a 51year old grandmother from Yorkshire 😉. You won’t get much back after ten years but she’d have a lovely time with it.

😂😂😂😂 I enjoyed this one for different reasons. Thanks

I’d invest in art.

Max out premium bonds for starters, dp has had an 18% return this year!

😂😂😂😂😂

I would ask a reputable financial advisor.

Must be the only one. Recent returns have been poor, averaging less than 3% over the last few months.

Max pb's esp if higher rate tax payer
Max your isa's
The rest in global equities
Depends if you have pensions sorted, mortgage etc
And I wouldn't touch SJP

You can easily teach yourself all this. I have when I had to make similar decisions. There is LOADS of good information out there about investing, you don't have to look for an IFA.

Ridiculous advice. This would be only right if OP needed access to all the money in the next 3-5 years. Inflation will eat away at money just sitting in a bank account for years on end and will be worth half what it was within 20 years.