Best return

4JAKE

Hey, so if you found yourself in the situation where you have 50-70k of a lump sum, what is the best plan of action to get you the best return with NO RISK??

4JAKE

Dont worry, im not going to run out and do what the first person says... im trying to get a wide variety of views and ideas, the more i get that havent a vested interest the better imo.

As regards the No risk, i beleive that the likes of the State Savings and investments would be considerd Risk free as from what i gather your money is guaranteed. I think they do a 10yr scheme with a 47% net return.....
Of course 10yrs is a long time do:(

I could be wrong of course so hopefully the experts will chip in:)

broker080

Hi 4JAKE,

Firstly let me say that saving should be relatively risk free and as a professional investor I can say that they likelihood of a default IE in a bank savings / post office bond is negligibly small.

a net 47% return is about 4% compounded annually less taxes is a very reasonable return for little to no risk in the current market.

next on the list might be a dynamic world bond fund which attempts to buy the best quality bonds in the market at advantages prices there is a step up in risk on one hand and costs can be higher but as you can imagine the return should be better over the period some offer an accumulated bond which reinvests all income this should help with greater compounding oppertunities.
In my honest opinion this is actually a lower risk investment over the the short to medium term based on the current issues that surround the Eurozone; expected return is in the 4-6% region.

Anything further requires a substantially increased risk tollerance
PS one other thing and invetsment bond has a far better exit strategy than than a state savings bond as far as i'm aware.

one final thing, not knowing your age, income, financial situation - advice is and should always be one part of many

Cute Hoor

4JAKE wrote: »

As regards the No risk, i beleive that the likes of the State Savings and investments would be considerd Risk free as from what i gather your money is guaranteed. I think they do a 10yr scheme with a 47% net return.....
Of course 10yrs is a long time do:(

I think you've answered your own question

4JAKE

Cute Hoor wrote: »

I think you've answered your own question

That was a great help thanks.

Cute Hoor

4JAKE wrote: »

That was a great help thanks.

No problem!

aidanki

broker080 wrote: »

Hi 4JAKE,

Firstly let me say that saving should be relatively risk free and as a professional investor I can say that they likelihood of a default IE in a bank savings / post office bond is negligibly small.

a net 47% return is about 4% compounded annually less taxes is a very reasonable return for little to no risk in the current market.

next on the list might be a dynamic world bond fund which attempts to buy the best quality bonds in the market at advantages prices there is a step up in risk on one hand and costs can be higher but as you can imagine the return should be better over the period some offer an accumulated bond which reinvests all income this should help with greater compounding oppertunities.
In my honest opinion this is actually a lower risk investment over the the short to medium term based on the current issues that surround the Eurozone; expected return is in the 4-6% region.

Anything further requires a substantially increased risk tollerance
PS one other thing and invetsment bond has a far better exit strategy than than a state savings bond as far as i'm aware.

one final thing, not knowing your age, income, financial situation - advice is and should always be one part of many

where could i find some more info about the dynamic world bond fund you mention?