How would you invest £100,000

[Dundeegeorge]

Half?

I would spend about half on beer and mucky women, and probably just waste the rest.

Lightweight.

[Fungus]

Yep all sounds reasonable so far.

As you guys suggest, I have looked into paying off my mortgage early, and hopefully that'll happen within the next 3 to 4 years (got a good fixed rate before the rates went up, so I'm not in any great urgency to pay it off any quicker).

I also have a BTL, now with no mortgage, though the income is quite small. Ten of these would be nice but I also don't want any more properties in this overpriced market. Of course, I hope the property market does come down so that we can buy more BTLs.

I will be buying premium bonds, I actually forgot so thanks for reminding me!

I've got some Fidelity mutual funds, primarily in ISAs. Not a great Tracker fan as I bought one before the market crash in 2000. I play the stock market a lot myself but this is high risk/low return so far. Again the stock market has ridden up very far very fast. I may invest when a pullback occurs.

My aim would be to create an income stream of circa £3000 - £5000 per month, from passive investments. For this you could buy 4 houses priced at £250k and receive £1000 / month from each one. But then you need £1m cash!

There was an article in the Saturday Telegraph by a property investor. He reckoned that you invest for capital return as the tenants only cover your costs. From what I can see the return, ignoring capital gain, is negative given current mortgage rates and rental income. Bear in mind that a property will spend time empty, and will need maintaining, including repairs sometimes caused by tenants. The flat next to mine has been empty for months. Also time spent maintaining the property is time spent not on a contract. But I guess multiple properties could be seen as a long term pension plan.

IMO now is not the best time to buy property unless you want/need a home. But there might be exceptions e.g. areas due for regeneration.

But investing in a larger property might make sense. Or a similar property in a nicer area. That way you won't have more rooms to clean and heat. And when you come to downsize, there's no CGT, and you get a nice lump sum.

Fungus

[DimPrawn]

Foreign property.

Iraq, Afghanistan and Palestine are looking good to the risk averse investor.

[Joe Black]

No, seriously, I'd swagger into the nearest casino and put the whole lot on red.

First mistake..."Always bet on black!".

[vetran]

High class whore

Having never paid for it in my life (except with my soul) how do you define a "high class whore"?

Is there a price threshold where the common slut becomes a middle / high class whore ... just curious

Its easy you go ouch when money is discussed rather than a few days later when the rash develops.

Of course you could always try New Lie investments inc, £100,000 should buy you a Baronacy or a good contract supplying drugs to the NHS at a vast profit. Or if you meet a friendly Italian you might get your mortgage paid off. The MP lotto - you have to be bent to win it!

isn't the golden rule - 1/3 in stocks / business, 1/3 in gold / cash & 1/3 in property?

[milanbenes]

now there's a man who knows what he is talking about !

will any of these dipsticks listen ?

doubt it.

AU and AG - nuff said.

Milan.

[Shimano105]

Invest in a .NET training course and double yer money overnight!

[milanbenes]

that's the spirit Shim,

nice one, .Net lads, that's the way

Milan.

[ChimpMaster]

that's the spirit Shim,

nice one, .Net lads, that's the way

Milan.

Ah, see you're getting it wrong again. Yes, you could earn more by learning and working on .Net, but you'd still be working every day and earning money -- to do what with? Where would you invest that money, would you leave it in the bank? Why not try to build up your asset base and create a passive income that will enable you to gain greater financial freedom?

It's not about working for your money, it's about getting the money to work for you.

[Francko]

It's not about working for your money, it's about getting the money to work for you.

What for? You save and invest and save and invest and one day you have a heart attack and die.*

*p.s. and whatever Chico says there is no certainty of life post-mortem