if you had a£100k to invest

the dragon
gvc shares trust me
Ronnie.

the risk?

Non-risk basically equals a savings account. Even then you would have to spread your money over two accounts as only £85k is covered under the compensation scheme (per account).

The best fixed-term accounts at the moment are paying about 2% annually. Obviously, fixed-term means locking your money away for a minimum of one year or forfeiting your gains.

I just checked - there are two year fixes paying 2.25% annually.

you should have bought this morning up1% today
Ronnie.

lets re phase - very low risk been stung before on technology shares

Define low risk.

What would be the maximum draw-down you would accept on the investment? 5%? - 10%? more?

5% wd be fine

low risk is not losing more than 5% of the investment

I'm afraid there is no such thing as low or no risk. For example, you may be invested in a savings account but even there your fund's real value will have been eroded as Brexit takes its toll on £. GBP 15% down against EUR since the ref and very dangerous times ahead.
If you have a house, pension, salary etc valued in £, I would strongly recommend moving this sum out of the UK, as a hedge, although I appreciate that you got stung before on tech stock.

If you must keep it at home, Glaxo are as as steady as they come - share price flatlining forever but pay really strong dividends.

Good call on GVC Ronnie, I regret passing up the option of converting some Ladbrokes shares about six months ago, I think GVC have risen c 25% since.

If you have a house, pension, salary etc valued in £, I would strongly recommend moving this sum out of the UK, as a hedge, although I appreciate that you got stung before on tech stock.

Very good UB. The trick is to have a house, pension or salary to do it with in the first place.

And the second trick is not to listen to those like you who haven't.

And if they have ignore them anyway, because few know what they're talking about, you being prime example.

if you had a£100k to invest

A more relevant question would be who has got north of £100k to invest, and how did they get it if they started with nothing and weren't given it?

Not that £100k is much of a pot by today's standards.

You're precious about never discussing your BTL business Dr Crippen, don't pretend to know my circumstances.

I must admit thinking ahead I've thought about the economy collapsing under a post BREXIT Corbyn government and what is the best way to hedge against that.

Not so sure the GVC Takeover of coral Ladbroke was anything to worry about having missed from a Ladbroke shareholder ,I Think (stand to be corrected ) the takeover price was set and subsequent conversion price was too ,the carrot of extra cash was just that ,a carrot on a stick . It was a profit but under 10% I think ,of course the price lifted after that but so did the market so don’t really see you misssed out as Ladbroke shares would have lifted anyway in line with the sector when the gov allowed a 2 year (cough) grace period .

To the op ,investment and risk free are not compatable in same sentence ,nor is the word “support” . Best advice is get a good book on where to get the correct advice .

if you only want to put it away for two years just look for highest interest rate in a bank,in this environment unless prepared to put it away for a long period dont take the risk

I'd put at least £1k toward SGZ and hold for a few years

UB still going on about impending doom .

Disagree breadnbutter. The best advice is to make your own decisions.

Most people don't like to, it takes them out of a comfort zone.

So, in the case of my Ladbrokes shares, I had the option of converting them to GVC shares. I sold them instead, missing out on a 20%  gain in the last six months. A mistake, but once you start making your own decisions, and win some and lose some, and with average luck you will gain over time. It's not like gambling against the house, rather the contrary; you'll do as well or better the "financial advisers" and "fund managers" (no qualifications needed btw) without having to pay their commission or listen to their aftertiming bullshit.

breadnbutter - I refer you to the thread "Get all your money out of the UK" from 4am on 24/6/2016; particularly the gains itemised two years later.

If you can't find it on the Politics or Trade and Financial Forums, I can bump them for you.

So if someone had got ALL thar money out of the UK and put it in a European bank in 2016 when the pound was at a low what was the net gain ? Can you say what was the interest rate and what bank account was recommended ? I will look into it and if credit is due it will be forthcoming .

Who said anything about European banks? I invested in US tech stock.

Trillby ,he has stipulated a two year period of investment

My apologies, Breaders.  Allow me to try again ...

I'd put at least £1k toward SGZ and hold for at least two years.

And how did you invest in US tech stock ? Did you use IRS-w8ben ? And you have pound to dollar rate in and (out I presume ) plus the x rate spread costs ? There are other ways but this would be easiest ?      So what is the bottom line on your pre timed selections ?  What was your ROI ? tia .

Is that UB being a fool again?

Will tell you in a mo when roi is posted ,it could be  a phorum gold star award nomination .

Oh dear

How did I invest in US tech stock?
Are you serious?
I instructed my stockbroker.
It's as easy as that in C21 , breandnbutter

For breadnbutter, from the thread "Get all your money out of the UK" :

Passing the two year anniversary of the 2016 referendum, here's what happened to the advice of this thread (appreciation in £ terms, up to 24/06/18)

Aapl +71%
Googl +106%
Facebook +89%
Twitter +224%

I missed Twitter, the rest was easy. The next two years are less certain but, as per the advice in the OP, keep your money out of the UK and prepare to move quickly.

UB appears quite boisterous this evening.  Is he raging?

trollby, stop embarrassing yourself.

fwiw I have Ladbrokes shares and did nothing.  I assumed they automatically got changed into GVC shares?

On last count they were only worth £577.  Was chucking out old paperwork and noticed I received a dividend of over £3k when they split from Hilton.  Annoying because I had to pay income tax on what was effectively a share purchase.  Hilton was worth more than Ladbrokes, but still shows how carp their shares have been.

CLYDEBANK _ I believe they would have converted, I guess you had 350 Lads or so?

Also, Clydebank, the worst economic nightmare figure is not Corbyn, it is Jacob Rees-Mogg, the political face of disaster-capitalism.
Check out his links to Crispin Odey, Crispin Odey's links to Hargreaves Lansdown and the advocates of blind-Brexit.

The ref of 2016 caused the biggest one-day fall of any major currency since Bretton Woods collapsed c 1971.

^^No wonder he's skint.

My family will always be all right, Dr Crippen.
The difference between my family and the family of someone who did nothing after the ref is, basically, we can now buy their house as well.
Have a good evening, all.

they auto converted at an agreed price ,conversion was .14 gvc shares (price set around £9 ) for every Ladbroke share + 32p and a promise (don’t outcome  related) that was not worth a carrot .They say it means 1.64 per share but in real terms the closing price of Ladbrokes was much higher ,as folks punted on the promise I presume . You must of got a cheque and a new share cert or may you hold in an account . Anyways it’s all done and dusted but not so sure long term this sector is a good punt and  shorter term is always a risky buisiness .

*(Fobt outcome related)

Yeah, converted at 9, now worth 11.
Which part do you not understand?

what has US stock got to do with Brexit ? .

Zzzz

Everything, if you choose between them.

I've not read the whole thread Dragon but I have funds in Pru-Cautious (Prudential), via their With-Profits fund and have been averaging 4-5+% over the past few years. I consider this a low risk, low return investment that is more than competitive with general savings and cash ISA's. The % return is AFTER charges and might be worth looking into.

cheers aspro part of my pension pot so need to decide what to do with it?

I worked for the Pru for 15 years and their With Profits fund is considered the best and biggest; it is an industry favourite. Even if you decide to invest elsewhere I would suggest you at least take a look.

The fee for this advice is £0.00 so you're saving money already

i will do m8 cheers

invest in an internet domain for the UK When they leave the EU Because the will have none,and will have to borrow the use of a domain from Russia or Europe.at 600% interest.

I was reading a bit about very high interest bonds the other day, like 8% and so on. They are however not as safe as say a UK gov bond, there is a risk element but I might take a careful punt on a couple with money I can afford to lose.

You of course don't need to put all of 100k into the same thing. And arguably shouldn't.

The Dragon 30 Aug 18 17:09 Joined: 12 Mar 05 | Topic/replies: 32,698 | Blogger: The Dragon's blog
5% wd be fine

low risk is not losing more than 5% of the investment


If 5% drawdown is your limit you should stick to a savings account/term deposit.

The "mid" level normal pension growth estimate is about 5% but where do you get that nowadays in a savings account?

Look at:
https://www.moneysavingexpert.com/savings/savings-accounts-best-interest/

You're not even in most cases going to keep pace with inflation. I wouldn't take out a long term fixed rate now anyway if the direction of travel of interest rates is up.

If I wanted to play it safe I'd go for a mix of safe looking bonds, or a good high bond ratio fund.
(The very high interest ones I mentioned earlier they look dodgy).

You could do worse than taking a look at
Royal London Sterling Extra Yield Bond.
Currently returning around 6%.

If you are being strict with your criteria (ie. maximum drawdown of 5% and investing for two years only) then as I said, a savings account is your only option.

Other investments (including both government and corporate bonds) don't fit the criteria. Don't even think about equities..................

I invested in a company in South Africa. Turned out top be a little gold mine.

What about the lower down ?

there is no such thing as a non-risk investment, unless you put it into a Cash ISA and get 1% on your money, which is lower than inflation

Either you start a business with that 100k and flip it into a million or you take some bigger risks and get 10%pa. or you dip into the stock market and potentially make 50% but you have to know what you are doing

Lloyds Bank shares  currently at a fairly low 60p and paying a decent divi got to be a punt at that price, im in....