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Rob B

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Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
User status: Offline

19th Jul 11 at 22:35

Hi guys,

As title really, If you had 100k how would you make it grow?

Let's say you have one year to make it as large as possible but you don't want to lose any.

Property, stocks, shares etc

adiohead

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Registered: 28th Sep 01
User status: Offline

19th Jul 11 at 22:37

I'd invest it in property (obviously with other money)

[Edited on 19-07-2011 by adiohead]

Ian

Site Administrator

Registered: 28th Aug 99
Location: Liverpool
User status: Online

19th Jul 11 at 22:40

I'm in that position although not with anywhere near that much

My biggest problem is that everything involves a risk and I'm not big on them. I'm probably going to end up being taken along in the impetuousness of setting something up and just making it work.

Not sure property or stock are safe these days. Depends how quick you need the return.

Colin

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Registered: 4th Apr 02
User status: Offline

19th Jul 11 at 22:41

Properties not a good bet right now. Probably buy stuff in bulk and sell online?0

Darrell16v

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Registered: 5th Feb 11
Location: Newry_Northern Ireland
User status: Offline

19th Jul 11 at 22:43

Online is the only way. Personally I would go for universal car parts, HID kits and the likes

Rob B

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Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
User status: Offline

19th Jul 11 at 22:44

quote:
Originally posted by Ian
I'm in that position although not with anywhere near that much

My biggest problem is that everything involves a risk and I'm not big on them. I'm probably going to end up being taken along in the impetuousness of setting something up and just making it work.

Not sure property or stock are safe these days. Depends how quick you need the return.

What were you thinking of doing?

I'm kind of thinking invest into a business and make it work to see a general return month on month.

PS - Ment to be in offday

Ian

Site Administrator

Registered: 28th Aug 99
Location: Liverpool
User status: Online

19th Jul 11 at 22:45

The margins aren't great unless it's either fake or the quantities are so massive you hate the sight of the stuff.

I fancy a little part worn tyre place, with a chair in the corner where I can watch my monkeys doing the hard work.

Edit - that is my less serious one. The reason I left the college was to set up private training on my own.

[Edited on 19-07-2011 by Ian]

Rob B

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Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
User status: Offline

19th Jul 11 at 22:46

quote:
Originally posted by Ian
The margins aren't great unless it's either fake or the quantities are so massive you hate the sight of the stuff.

I fancy a little part worn tyre place, with a chair in the corner where I can watch my monkeys doing the hard work.

Whilst i can see a profit, i can't see a large one

Matty SRi

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Registered: 3rd Dec 08
Location: Stockton-on-Tees Drives: Mk3 Golf GTi
User status: Offline

19th Jul 11 at 22:47

I would buy lots of African children, then sell them on the black market.

Ian

Site Administrator

Registered: 28th Aug 99
Location: Liverpool
User status: Online

19th Jul 11 at 22:47

On part worns?

Container of 500 tyres is £800. They go out for £10 - £20 ea.

Do the maths on that. Guy who has the one by my workshop has a 60 plate M3 convert.

Rob B

Member

Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
User status: Offline

19th Jul 11 at 22:48

Woahhh, where do you buy a container of 500 part worns!

Ian

Site Administrator

Registered: 28th Aug 99
Location: Liverpool
User status: Online

19th Jul 11 at 22:49

Liverpool docks. Do you want one?

Rob B

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Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
User status: Offline

19th Jul 11 at 22:50

quote:
Originally posted by Ian
Liverpool docks. Do you want one?

Could go halves

sand-eel

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Registered: 15th Mar 07
Location: carluke/braidwood--IRNBRULAND
User status: Offline

19th Jul 11 at 22:50

You won't get much property for £100k maybe 2 small flats which could only be rented for £350 a month so would take 12 years to pay them off if nothing changed.

Rob B

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Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
User status: Offline

19th Jul 11 at 22:51

I was thinking a 130k property with a 30k mortgage, 695 a month in the nice area here.

Probably see 400 a month profit after mortgage payments.

Ian

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Registered: 28th Aug 99
Location: Liverpool
User status: Online

19th Jul 11 at 22:52

Problem with property is it's difficult to write off the profit unless you have a bigger mortgage, in which case you get stung for CGT when you sell it.

[Edited on 19-07-2011 by Ian]

Rob B

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Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
User status: Offline

19th Jul 11 at 22:55

I've no idea what CGT is

BluKoo

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Registered: 8th Apr 02
Location: Stonehaven (Scotland)
User status: Offline

19th Jul 11 at 22:55

I gave just under £100k to Avalon Investment.

Currently got "Stocks & Shares ISA, Freedom ISA" (whatever that actually means).

It doesn't appear to be making huge gains, but I guess things have been a little unstable for a while...

£ Corporate Bond
M&G Strategic Corporate Bond A +0.20%

£ Strategic Bond
Invesco Perpetual Monthly Income Pluss (Acc) +0.56%

Absolute Return
Standard Life Global Abs Ret Strategy R Acc +2.27%

Asia Pacific ex Japan
First State Asia Pacific A (Acc) +37.80%

European Smaller Companies
Threadneedle European smaller Companies 1 (Acc) +92.26%

Global Bonds
Standard Life Global Index Linked Bond R Acc -1.29%

[Edited on 19-07-2011 by BluKoo]

Ian

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Registered: 28th Aug 99
Location: Liverpool
User status: Online

19th Jul 11 at 22:57

http://www.hmrc.gov.uk/cgt/

ISA is the boring answer.

Hammer

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Registered: 11th Feb 04
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19th Jul 11 at 22:58

I'd be all over property with that figure. You don't stick the whole lot in, you use it as leverage to get more money from the bank. You then use the property you buy and the gains you make to get more money from the bank and continue doing so until you have built a decent portfolio.

Sounds easy, obviously isn't, but I wouldn't say there is no money to be made in property. There most certainly is.

James

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Registered: 1st Jun 02
Location: Surrey
User status: Offline

19th Jul 11 at 23:03

I'd give 50k to a portfolio manager and ask him to make me some money.

Put the other 50k down on a BTL property.

James

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Registered: 1st Jun 02
Location: Surrey
User status: Offline

19th Jul 11 at 23:05

Actually if I only had 1 year to make as much as possible, I'd give it all to a portfolio manager.

Hammer

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Registered: 11th Feb 04
User status: Offline

19th Jul 11 at 23:08

Missed the time parameter tbh

Don't touch property if you want a return within a year, In fact unless you hit the jackpot with a massive gamble just stick it in the highest returning bank account. A year is no time.

Rob B

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Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
User status: Offline

19th Jul 11 at 23:10

quote:
Originally posted by BluKoo
I gave just under £100k to Avalon Investment.

Currently got "Stocks & Shares ISA, Freedom ISA" (whatever that actually means).

It doesn't appear to be making huge gains, but I guess things have been a little unstable for a while...

£ Corporate Bond[i/]
M&G Strategic Corporate Bond A +0.20%

£ Strategic Bond[i/]
Invesco Perpetual Monthly Income Pluss (Acc) +0.56%

Absolute Return[i/]
Standard Life Global Abs Ret Strategy R Acc +2.27%

Asia Pacific ex Japan[i/]
First State Asia Pacific A (Acc) +37.80%

European Smaller Companies[i/]
Threadneedle European smaller Companies 1 (Acc) +92.26%

Global Bonds[i/]
Standard Life Global Index Linked Bond R Acc -1.29%

[Edited on 19-07-2011 by BluKoo]

figures at the end i.e +92% meaning a 92% return on your investment?

This seems the way to go for sure! I know you won't always see that but they seem to know what they're doing!

BluKoo

Member

Registered: 8th Apr 02
Location: Stonehaven (Scotland)
User status: Offline

19th Jul 11 at 23:11

quote:
Originally posted by James
Actually if I only had 1 year to make as much as possible, I'd give it all to a portfolio manager.

Exactly what i've done. I don't have a clue what any of it means though

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