Investing lump sum wisely

[Notascooby]

Not much on there above 3.5% though which is pants.

sign up for bond options on HL.co.uk you'll get better but with the added risk.

[d000hg]

Guaranteed income then if paid for straight by the council.

It's not. And TBH the council can take months to do anything so it's not that preferable.

[kaiser78]

It's not. And TBH the council can take months to do anything so it's not that preferable.

Maybe it varies from council to council but it has always been the case for me. And also minimal hassle - any issues the council sorts it out.

[escapeUK]

Gold is not an investment. It does not generate any income and should only form up to 10% of your total assets as a hedge.

Well my bullionvault account seems to show 30% more £ value in it than I have put £ into it. Which is significantly better than any other investment I ever made.

And as to a hedge, its a hedge against the government devaluing currency which is definitely their policy via QE.

Shares are overvalued, so is property, interest rates are pitiful. The other great thing about gold, there is never any tax to pay on it.

[doodab]

The other great thing about gold, there is never any tax to pay on it.

Won't you pay CGT when you sell it assuming you're over the threshold?

[escapeUK]

Won't you pay CGT when you sell it assuming you're over the threshold?

Conceptually yes, if you were over the threshold which is £10,600 and bought /sold bullion. No if you buy /sell UK gold coins such as sovereigns as these are classed as legal currency and therefore exempt of CGT.

[Paddy]

Are Lada still in production?

Yes

[Platypus]

Hence the comment about a mortgage.

I don't think youre cut out for this investing like.

Stick it under the floorboards like AtW.

It's not for me, it's for someone else, someone who doesn't want any sort of mortgage, not even on a BTL. But thanks.

[ChimpMaster]

It's not for me, it's for someone else, someone who doesn't want any sort of mortgage, not even on a BTL. But thanks.

Then forget about "investing" of any sort. Just still it in the bank at the highest rate you can find out there at the moment. Pretty much everything else will either have a fluctuating ROI or will involve some level of risk to your capital.

[nomadd]

sign up for bond options on HL.co.uk you'll get better but with the added risk.

To recap his requirements: very low risk.

Also, funds via HL are a minefield of charges, even after taking "initial discounts" into account. I know, I manage my SIPP through them.