Anyone got any advice on a healthy investment return for ?25,000.

I'm currently looking into splitting the money either side of the current tax year with 50% into an ISA and 50% into a stocks and shares ISA.

 

Therefore it'll look like:

 

2010

?5,100 - ISA

?5,100 - Stocks and Shares ISA

?4,120 - High interest savings account

 

2011

?5,340 - ISA

?5,340 - Stocks and Shares ISA

 

I'm quite nervous about investing into something too risky, so looking to see what anyone else does with their savings and their good/bad experiences with investments.

 

Cheers

Anyone got any advice on a healthy investment return for ?25,000.

I'm currently looking into splitting the money either side of the current tax year with 50% into an ISA and 50% into a stocks and shares ISA.

 

Therefore it'll look like:

 

2010

?5,100 - ISA

?5,100 - Stocks and Shares ISA

?4,120 - High interest savings account

 

2011

?5,340 - ISA

?5,340 - Stocks and Shares ISA

 

I'm quite nervous about investing into something too risky, so looking to see what anyone else does with their savings and their good/bad experiences with investments.

 

Cheers

29 Black

Dear Mr dci_bwfc

 

I am Mr Bigtoe Umbongo from Nigeria, I write with good news as I am acting on behalf of your long lost family member Great UNCLE dci_bwfc who tragically passed away recently, I have been trying to contact members of your family as there is $1,302,234 million dollars locked away in a hidden account with his name. I am writing as I need your authority to extract the money for you and can supply the cheque in his birth name dci_bwfc. I would only charge a small fee of ?25,000 UK pounds for this service. If you can send this I will send on the cheque with warm wishes from Nigeria. Yours faithfully Bigtoe Umbongo.

Go to www.iii.co.uk and open an account

 

It'll take a week

 

When you've done that let me know and I'll tell you what to invest in

 

You'll then pay me 10% of your earnings

 

Don't worry, the first ten grand is on me, call it an incentive

 

If you still not impressed then good luck

pay off your mortgage or any other debts.

 

failing that give it too me, and i'll double it within the hour.

Dear Mr dci_bwfc

 

I am Mr Bigtoe Umbongo from Nigeria, I write with good news as I am acting on behalf of your long lost family member Great UNCLE dci_bwfc who tragically passed away recently, I have been trying to contact members of your family as there is $1,302,234 million dollars locked away in a hidden account with his name. I am writing as I need your authority to extract the money for you and can supply the cheque in his birth name dci_bwfc. I would only charge a small fee of ?25,000 UK pounds for this service. If you can send this I will send on the cheque with warm wishes from Nigeria. Yours faithfully Bigtoe Umbongo.

 

My long lost uncle George?

Go to www.iii.co.uk and open an account

 

It'll take a week

 

When you've done that let me know and I'll tell you what to invest in

 

You'll then pay me 10% of your earnings

 

Don't worry, the first ten grand is on me, call it an incentive

 

If you still not impressed then good luck

Commodities look very safe! I must admit, dabbling in the stock market is tempting, however the ?25k will hopefully evolve into a house deposit therefore anything risky isn't really viable.

OK

 

FIrst three are free

 

Firstly, you need a safe one, you've missed BP at at ?3.80 so RBS and Lloyds are both under valued

 

So the gambles are

 

CRND - Central Rand Gold

 

Got over a trillion dollars worth of reserves, they are due a meeting with SA government in the next week to sort out the water table but the government will put loads of money in, once news hits the LSE the value will at least treble, I've valued them at 26p and they are currently 2p

 

Next is

 

DPL - Dominion Petroleum

 

Oil is going through the roof, especially with Saudi Arabia's current political climate

 

Last is

 

WET - Watermark Global

 

Similar to CRND, if you've not made ?10k out of them by Summer, something has gone wrong

 

Return to this thread at the end of July

Commodities look very safe! I must admit, dabbling in the stock market is tempting, however the ?25k will hopefully evolve into a house deposit therefore anything risky isn't really viable.

 

Stick with the banks then

 

Or if I'm being perfectly honest, if you don't like gambling then stocks are definitely not for you

 

Speak to a financial advisor instead

Widders can you please clear you inbox?

 

Cheers mate

Stick with the banks then

 

Or if I'm being perfectly honest, if you don't like gambling then stocks are definitely not for you

 

Speak to a financial advisor instead

 

Fair point. I'll be keeping an eye on things though, see how things progress. I take it you dabble yourself?

Fair point. I'll be keeping an eye on things though, see how things progress. I take it you dabble yourself?

 

You could do a lot worse than listen to Mr Widders!! he knows his onions

You could do a lot worse than listen to Mr Widders!! he knows his onions

Definitely seems that way, Widders Investments Corp?

Lazy cunt who doesn't like working

Ive just opened my Trading account with them, theyre very nosey barstewards, want to know everything

 

Widnes, do you reckon my account will be opened in time before the CRND meeting next week or shall i trot to my bank and get them to sort it rather quickish?

Edited March 9, 201115 yr by Breightmet Boy

It's subject to Capital Gains Tax so they need the same details as a bank account

 

It's to stop people money laundering

 

However, money laudering is much easier :D

Edited March 9, 201115 yr by Widnes Two Hats

Sorry, missed your question

 

The finance director of CRND tells me that the meeting has not yet been nailed down but it will definitely be next week at some stage

 

Your portfolio account should now be in operation but you can't trade til you get your password through the post

 

Mine took about a week but it may be sooner, the problem with this share is that it will rocket based on rumours/leeks

 

For me, at the moment, it's a bargain, just pray to baby jesus that nothing hits the market until you can trade

Sorry, missed your question

 

The finance director of CRND tells me that the meeting has not yet been nailed down but it will definitely be next week at some stage

 

Your portfolio account should now be in operation but you can't trade til you get your password through the post

 

Mine took about a week but it may be sooner, the problem with this share is that it will rocket based on rumours/leeks

 

For me, at the moment, it's a bargain, just pray to baby jesus that nothing hits the market until you can trade

As a complete novice I'd like to know more about the stockmarket, can you advise on any learning materials / key terminology on how a deal takes place,fees involved etc?

As a complete novice I'd like to know more about the stockmarket, can you advise on any learning materials / key terminology on how a deal takes place,fees involved etc?

 

Unfortunately, there is nothing or we'd all be millionaires

 

The fees however, are ?10 per deal so ?10 when you buy no matter what the value, plus 0.05% stamp duty and ?10 when you sell, tax free upto about ?16k per year (only if you withdraw the money, reinvest and you'll escape CGT)

 

LSE is legalised fraud with the top financial institutions manipulating share prices for their own good, it's just keeping an eye on what's going on

 

Takes a lot of time and research, there's no easy way of doing it

 

For me, I stay disiplined, If a share I've bought decreases in value by 20%, I sell and take the hit. If it reaches 100% of the price I pay, I sell

 

Thankfully I only lose on less than 10% of shares

 

But I once bought a gold share for 5p, sold it at 12p and the following day it went upto 85p, but that's the gamble and thats exactly what it is, a gamble. Not for the faint hearted but very lucrative if you go enough research

Unfortunately, there is nothing or we'd all be millionaires

 

The fees however, are ?10 per deal so ?10 when you buy no matter what the value, plus 0.05% stamp duty and ?10 when you sell, tax free upto about ?16k per year (only if you withdraw the money, reinvest and you'll escape CGT)

 

LSE is legalised fraud with the top financial institutions manipulating share prices for their own good, it's just keeping an eye on what's going on

 

Takes a lot of time and research, there's no easy way of doing it

 

For me, I stay disiplined, If a share I've bought decreases in value by 20%, I sell and take the hit. If it reaches 100% of the price I pay, I sell

 

Thankfully I only lose on less than 10% of shares

 

But I once bought a gold share for 5p, sold it at 12p and the following day it went upto 85p, but that's the gamble and thats exactly what it is, a gamble. Not for the faint hearted but very lucrative if you go enough research

Looks like lots of research and maybe monitoring of things for the time being is best, I'll register for an iii account too while I'm at it though.

Out of interest, the girlfriends brother works for JP Morgan in the trader remit (I'm not sure of his exact job to be honest), could I gain any financial benefit from this legally?

But I once bought a gold share for 5p, sold it at 12p and the following day it went upto 85p

Was that our chums at SOLG?

Was that our chums at SOLG?

 

That's the one, I'm hoping CRND will follow it's footsteps

The girlfriends brother works for JP Morgan in the trader remit (I'm not sure of his exact job to be honest), could I gain any financial benefit from this legally?

 

Depends if he's shit at his job or not

 

In all seriousness, I suspect so but the illegal advice will be much more profitable, and ask him what stock he intends to deramp for the next 7 days please, then send me a PM

I have an account with III, not got around to dablling on the SM yet, I dont recall recieving a password by post, It a double login on the site, I created the passwords myself when registering, is this not enough to buy shares as it lets me get as far as the buy page with the countdown timer etc etc.

 

Danny The Novice!

I have an account with III, not got around to dablling on the SM yet, I dont recall recieving a password by post, It a double login on the site, I created the passwords myself when registering, is this not enough to buy shares as it lets me get as far as the buy page with the countdown timer etc etc.

 

Danny The Novice!

 

 

Theyve just been on the phone to me asking for proof of address so they can process my account, so i suspect not Danny

I have an account with III, not got around to dablling on the SM yet, I dont recall recieving a password by post, It a double login on the site, I created the passwords myself when registering, is this not enough to buy shares as it lets me get as far as the buy page with the countdown timer etc etc.

 

Danny The Novice!

 

You create a login and a password

 

That allows you to look at shares and add to your portfolio but you can't buy or sell

 

Goto www.iii.co.uk Click 'My Account' at the top of the page

 

You'll then see a list of options e.g. Share Dealing, ISA, Fund, etc

 

Click the Share Dealing Log On icon and a window should open which will ask you for 1 - USERNAME 2 - PASSWORD 3 - Third piece of info you'll have registered such as Mother's maiden name, place of birth, first school etc. If you can sign in there then you can trade

 

If not, you're not registered to trade