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ISA virgin advice

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    #11
    I would say put your cash into physical assets such as bricks 'n' mortar or Ann Summer's Windmill Powered Rabbits, as everything else seems to be depreciating more than the so called 4% inflation rate.
    If you think my attitude stinks, you should smell my fingers.

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      #12
      Originally posted by MarillionFan View Post
      I'll double that 5K for you. Just let me have your account number and sort code and I'll do the rest.

      Money back guarantee

      Old Greg
      You know the score. Keep up the monthly payments and you keep your face.

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        #13
        Originally posted by Old Greg View Post
        You know the score. Keep up the monthly payments and you keep your face.
        Still into the cutting?
        Practically perfect in every way....there's a time and (more importantly) a place for malarkey.
        +5 Xeno Cool Points

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          #14
          Originally posted by MaryPoppins View Post
          Still into the cutting?
          Mainly the peeling.

          Comment


            #15
            Originally posted by Old Greg View Post
            Mainly the peeling.
            Pass the salt, would you?
            Practically perfect in every way....there's a time and (more importantly) a place for malarkey.
            +5 Xeno Cool Points

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              #16
              Originally posted by Old Greg View Post
              You know the score. Keep up the monthly payments and you keep your face.
              The face is still in the timeshare scheme right? I lend it to you for one year, then Brad Pitt give's me his. Right? Right!
              What happens in General, stays in General.
              You know what they say about assumptions!

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                #17
                Originally posted by MarillionFan View Post
                The face is still in the timeshare scheme right? I lend it to you for one year, then Brad Pitt give's me his. Right? Right!
                The details remain commercially sensitive.

                On a related note, I had my first client today for my professional contractor services (see sig).

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                  #18
                  Cash ISA ????? ONLY if you are likely to need the money in the next few years. If you can stash for min of 5 years you HAVE TO be looking to get it in the market.
                  First investment - get the lowest charging index tracker you can find (HSBC through HL would be a good start). Drip-feed in if you prefer (pound-cost averaging).
                  Fire and forget and don't under any circumstances bottle it at the first dip and cash it in (compound interest)
                  Some of my funds show a return of 10%+ (average annual return) for 14 years and thats 2 recessions and a dotcom crash.
                  DONT buy individual shares (you don't have a clue)
                  DONT buy what bloke in the pub says (He doesnt have a clue)
                  When you have got a stable foundation of trackers (which can be international), think about risking a small amount (up to 10% of total) on more exotic fare.

                  Comment


                    #19
                    Originally posted by lukemg View Post
                    If you can stash for min of 5 years you HAVE TO be looking to get it in the market.

                    Would you say the market is at or near a peak at the moment so higher risk of losing out over a shorter term, so better if money can be tied up for longer to ride out any imminent troughs?
                    Feist - 1234. One camera, one take, no editing. Superb. How they did it
                    Feist - I Feel It All
                    Feist - The Bad In Each Other (Later With Jools Holland)

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                      #20
                      Be careful trying to time the market - even a dip can turn into a slide. Short-term (1-2 years) I can see the growth kicking in and most of the corporate news is positive but not reflected in valuations. I wouldn't even dare to say what will actually happen and anyone who says they can is a liar.
                      Some people say look at a HYP strategy, focussed on dividends so the money is generating return regardless of price. This would probably yield more than a cash ISA with a potential increase in value too (and a potential decrease of course !)

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