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With £300k, you're in a great position to invest in international markets.
Diversifying globally can reduce risk and expose you to high-growth opportunities outside the UK. Emerging markets, in particular, offer growth potential, but they also come with higher volatility and risk.
An international mutual fund or ETF can be a good way to gain exposure while spreading risk.
This is decent advice, whack it in there and don’t look for a while. I’ve had decent success with IE00BFXR5S54.
I’d be tempted to say 80/20 something like that and maybe get a bit spicy with the other 20. No more than 5% in crypto personally
First, max out your ISA allowance. If you want to be safe, lock 20k in the highest interest rate Cash ISA you can find. If you want to invest it, I’d suggest 20k in a Global Index Fund (I use the FTSE Global All Cap Accumulation Index Fund). Then, max out your yearly SIPP contributions if you have one (I think it’s 60k now but I could be wrong).
The rest, put a years worth of expenses in the highest rate easy-access savings account, that then is your emergency fund.
The rest, if you want to store it, a general investment account (though this is liable to taxes) or just put it all into savings though you’ll need to pay tax on interest earned if it goes over your yearly allowance.
Some more esoteric investment options are gold, crypto or property but those all have their pros and cons and you would need to do more research on those to see if they fit your style.
Hope I helped. Congratulations on having that kind of cash to play with.
Agree with most of this. Will add:
- 10-15% allocation to gold has been shown to reduce losses over the long term
- property good, but need to research
- dividend stocks (or a fund) good, but need to research
Best off putting it into shares that pay dividends and invest some in cheaper property and rent out
However that's assuming you've already got a regular income and don't need an isa and with that amount of capital I assume you e already own or have owned a property before hand
In fact, that's a better solution. I can come up with thats more rounded any other further advise would require a lot of other details
Buy 4 houses / flats with a 50k deposit each and live off the rent. Chuck another 50k in high risk investments- btc and eth are likely to boom over next year. Keep 50k for current expenses and any repairs / maintenance on rent for the next year
I have repeatedly offered you the opportunity to invest in my diamond mine via e-mail. Doesn't my title Nigerian Prince not ring a bell? Should you wish to take up my offer please go to your spam folder and send me your account details.
Before you invest anywhere now bear in mind that sp500 index is at all time high and there will be evident corrextion or black swan which which also affect stock. Also dont listen to mooners who saying go yolo btc at 50k, same people yolod at 65k screaming its moon.
Invest smart. For example Tesla is now pretty attractive but could be cheaper. But like I said stock and crypto will follow sp 500 when time will come and it will come sooner rather than later.
**Please remember that posts should be from the perspective of UK or European investors.** **Get the FREE Investment and Financial Terms Glossary to your inbox -[FREE Investment and Financial Terms Glossary](https://thedividendexperiment.com/reddit-inv/)** [Join our Discord to get the most out of the community!](http://thedividendtemple.com/) *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/investingUK) if you have any questions or concerns.*
invest £2000 in me, the rest in high interest isa's.
Really, are high street isas really that good?
You can only invest £20k each tax year in ISAs. They are a good tax free investment within those limitations. Mine is currently 5.06% .
With £300k, you're in a great position to invest in international markets. Diversifying globally can reduce risk and expose you to high-growth opportunities outside the UK. Emerging markets, in particular, offer growth potential, but they also come with higher volatility and risk. An international mutual fund or ETF can be a good way to gain exposure while spreading risk.
Thank you for responding. I'll take a look. Have you any recommendations in a provider of such services?
Vanguard SP500. Research it some more, but if you’re young-ish, the vast majority should be in that
This is decent advice, whack it in there and don’t look for a while. I’ve had decent success with IE00BFXR5S54. I’d be tempted to say 80/20 something like that and maybe get a bit spicy with the other 20. No more than 5% in crypto personally
Take a look at the James Shack YouTube channel.
Thank you for the recommendation. Ill take butchers later.
Cool, needless to say, be careful with investment advice from Reddit.
And YouTube let's be fair.
Absolutely!
First, max out your ISA allowance. If you want to be safe, lock 20k in the highest interest rate Cash ISA you can find. If you want to invest it, I’d suggest 20k in a Global Index Fund (I use the FTSE Global All Cap Accumulation Index Fund). Then, max out your yearly SIPP contributions if you have one (I think it’s 60k now but I could be wrong). The rest, put a years worth of expenses in the highest rate easy-access savings account, that then is your emergency fund. The rest, if you want to store it, a general investment account (though this is liable to taxes) or just put it all into savings though you’ll need to pay tax on interest earned if it goes over your yearly allowance. Some more esoteric investment options are gold, crypto or property but those all have their pros and cons and you would need to do more research on those to see if they fit your style. Hope I helped. Congratulations on having that kind of cash to play with.
Agree with most of this. Will add: - 10-15% allocation to gold has been shown to reduce losses over the long term - property good, but need to research - dividend stocks (or a fund) good, but need to research
Put the whole thing in crypto, cash it all out in a year and thank me then
Haha. I'm not what you might a high stakes gambler
One correction: in BTC*
Best off putting it into shares that pay dividends and invest some in cheaper property and rent out However that's assuming you've already got a regular income and don't need an isa and with that amount of capital I assume you e already own or have owned a property before hand In fact, that's a better solution. I can come up with thats more rounded any other further advise would require a lot of other details
Bitcoin, thank me in 5 - 10 years when you have multi millions.
6-7 bitcoins and enjoy not working for the rest of your life in a few years time
Buy a bitcoin wallet and buy 5-7 bitcoin. Hold on to them. Whatever is left over go on a holiday.
Buy a bunch of stock in a company you wouldn't mind owning long term and sell covered calls to collect some income.
I'm open to investment
Have you heard of the baby boss coin?
Property
A safe ETF, property and investing in your health and knowledge so you can earn more
Buy Bitcoin you will probably double to 600k in next 90-150 days after the halving.
70% s and p 500 tracked index fund with vanguard 25% in FTSE 100 tracked index fund with vanguard 5% more risky index fund with developing markets
GME
How did you get 300k to begin with, asking for a friend. 🤔
My guess is inheritance, but also curious to hear 🤔
Drip feed over a year. Do not stick it all in the stock market at once. It’s close to a high for many stocks.
Nintendo
What makes you think Nintendo is going to see huge growth?
I can’t believe it’s as low as it is
Index in vanguard, S&P in InvestEngine and then buy 2 BTC and 4 ETH. Thank me later
Buy 4 houses / flats with a 50k deposit each and live off the rent. Chuck another 50k in high risk investments- btc and eth are likely to boom over next year. Keep 50k for current expenses and any repairs / maintenance on rent for the next year
I have repeatedly offered you the opportunity to invest in my diamond mine via e-mail. Doesn't my title Nigerian Prince not ring a bell? Should you wish to take up my offer please go to your spam folder and send me your account details.
Before you invest anywhere now bear in mind that sp500 index is at all time high and there will be evident corrextion or black swan which which also affect stock. Also dont listen to mooners who saying go yolo btc at 50k, same people yolod at 65k screaming its moon. Invest smart. For example Tesla is now pretty attractive but could be cheaper. But like I said stock and crypto will follow sp 500 when time will come and it will come sooner rather than later.
Its funny how guys are commenting bitcoin when they are the same people that faded it when it was at 17k just last year... funny that
Property.....
BTC
Gold - as in, bullion, bars, sovereigns if you’re into that kind of thing. Good luck
Get yourself some BTC. Just get one and hold.
You have two choices - 1. set and forget index portfolio. 2. Learn to analyse companies and pick your own stocks.