Where would you invest £15k?

[piersa]

Agreed - good examples - part of the issue with the funds route is there are so many to choose from.......I use mostly funds myself, tend to aim for a wide range (not all eggs in one basket etc) and use those with good track records (both the firm and the manager). Very rarely take a punt on individual equities personally, as well as being on the cautious/low risk side I don't have the time or more importantly the expertise to do the research and make decisions (and I am also bound by some dealing restrictions which might impact my ability to get in/out when I want) - so I figure that the 0.5-1% a year I essentially pay to Fidelity or Jupiter or whoever to do that for me is worth it.

The earlier comment re gold was interesting. My worst performing fund over 5+ years by absolutely miles is a small amount I put in a commodities fund which has a heavy gold bias..................

This is pretty much exactly how I do it. Use the fund managers with a very good track record. Like anything in life, let the experts be expert at what they are experts at.

 

[Goldstone1976]

That's done well........but if you don't know the market, how would you choose ?

There are 6 Bordeaux 1st growths. Any one of them from a decent vintage (use Parker as your guide for what constitutes a good vintage - his opinions drive the international prices for the very top-end wines) will show similar results to the one I cite. E&OE.

 

[Vegas Seagull]

I talked about 1st growths over a 5 year period, at least doubling your money.

Have a look at Mouton Rothschild 2000.

2002 = £2500
2007 = £5000
2012 = £10,000

Have a look at the graph - certainly not what most would regard as volatile. There are plenty of other wines that show very similar trends - so not high risk either. IMO, of course.

Inappropriate use of 5 year start time...4, 3, 2 & 1 years back from the cut off shows either flat or down

 

[Leekbrookgull]

How long can Oil stay the price it is ? Gold is slowly on the up. However the real killer is not like you say housing,but that little bit of land that gives access to any building development.

 

[Monsieur Le Plonk]

1st growth Bordeaux from a decent vintage (or Screaming Eagle) - held in bond in a London bonded warehouse. Hold for 5 years. Double your money (at least) every time. Allegedly.

Farr Vintners know their stuff. You'll have to get your head round the Palace connection though!

http://www.farrvintners.com/about.php?team=sales

 

[Goldstone1976]

Inappropriate use of 5 year start time...4, 3, 2 & 1 years back from the cut off shows either flat or down

Huh? The only 5 year period which is flat-ish (and even that is up, albeit only a little) is if you start at t=0. There are no 5 year periods that are down. All the other 5 year periods starting with 08/02, are up over the period.

 

[Goldstone1976]

Farr Vintners know their stuff. You'll have to get your head round the Palace connection though!

They do indeed. I just avoid talking football with them...

 

[jimhigham]

Jim Higham Events Photography

OK. That was pretty shameless. Apologies.

 

[AlbionPics&SouthCoastTwit]

Jim Higham Events Photography

OK. That was pretty shameless. Apologies.

Eventually it had to happen.

 

[worthingseagull]

Check out Absolute Return funds - low risk funds that aim to produce positive returns in all market conditions. Look them up

 

[BigGully]

Check out Absolute Return funds - split it 50/50 between Standard Life GARS fund & Old Mutual GEAR fund - both low risk funds that aim to produce positive returns in all market conditions. Look them up

I think all investment funds claim to aim to produce positive returns dont they ??

 

[worthingseagull]

I think all investment funds claim to aim to produce positive returns dont they ??

Funds investing solely in shares/equities will go up and down with the stock market. These are designed to produce positive returns whatever the weather

 

[BigGully]

Funds investing solely in shares/equities will go up and down with the stock market. These are designed to produce positive returns whatever the weather

I am not trying to be smart, but what investments have only a guaranteed upwards return (away from saving guarantees etc), if its not guaranteed then they they act like any other investment, with a risk of going down too.

 

[dazzer6666]

I am not trying to be smart, but what investments have only a guaranteed upwards return (away from saving guarantees etc), if its not guaranteed then they they act like any other investment, with a risk of going down too.

Not Absolute Return Funds, that's for sure - as mentioned above - they AIM to achieve positive returns regardless of market movement. Most don't. meaning they are 'funds'. Recent article in the Torygraph is worth reading for a bit of background.

http://www.telegraph.co.uk/finance/...our-absolute-return-funds-hit-the-target.html

 

[SIMMO SAYS]

I'd use the money to pay for tax/insurance for a FORD fecking FOCUS
Any money left over would go towards

 

[TSB]

Pipex. Surely? [MENTION=38]Beach Hut[/MENTION]

 

[jameswestport]

Who said Klopp to Liverpool?

 

[The Antikythera Mechanism]

Get Kemy back for a week. Your own signed gangsta clothing, how could it go wrong? .......oh!

 

[Triggaaar]

Who said Klopp to Liverpool?

Someone who doesn't understand the 'next manager' betting market? Good luck sticking £15k on something like that.

 

[Eeyore]

A couple of nice conditioned stainless steel Rolex sports watches.

Wear them, enjoy them, sell them for more when you need the cash.

A chap who used to work for FIFA asked me if I wanted one of those the other day. He's selling them at the top of Duke Street.