you should do a stocks and shares ISA.
Balanced portfolio, should do quite well. Our balanced aggressive portfolio has done 17% over the last year and 66% over the last five years. Put the full limit in, you should make about 6k over the next two years. Only way to keep up with house prices innit.
(dozers, do fuck off ur a nob m8, Sat 5 Oct 2013, 17:37, 2 replies, latest was 12 years ago)

could I lose the money through?

( Monty Boyce, My cheese game is strong, Sat 5 Oct 2013, 17:53, Reply)

is that a really ignorant question?

( Monty Boyce, My cheese game is strong, Sat 5 Oct 2013, 17:54, Reply)

the value of an investment can go down as well as up and you may get back less than you put in.
It's highly unlikely you'd lose everything, balanced means your portfolio would have a mix of equities and fixed interest stocks. When one of those asset types goes up the other goes down.

Portfolio means diversification; anyone investing in just one fund is a fucking spastic. You'd be going in to about 12 funds within the ISA wrapper, how likely do you think it would be that all 12 would lose value? There ent no reward without risk, two years might be dodgy under normal circumstances, but if you invested now it would be just as performance is picking up and the unit prices are fairly low.

Keep it in cash and it'll lose value. Inflation is, what, about 3%? You need to be getting 5 or 6% to be making any returns, and you can only get that level of growth from residential property or from equities. You've just come out of property, you need to get into equities through ISA funds.

Go and see an IFA innit. Different funds have different levels of risk. Depends how much risk you're willing to take.
(dozers, do fuck off ur a nob m8, Sat 5 Oct 2013, 18:31, Reply)

I should point out that Dozer is merely a proof-reader of the marketing activity produced by his employer.
He is NOT financial advisor.
( Fucking hell Jeff I am not a robot, Sat 5 Oct 2013, 18:41, Reply)

this is true, I am not an adviser.
And financial promotions is not the same as proof reading. I have to know how everything works. I have CII investment qualifications an' all.

But that up there is all true. Which part of that 'small a' advice is incorrect?
(dozers, do fuck off ur a nob m8, Sat 5 Oct 2013, 18:44, Reply)

6k over two years to keep up with house prices?
He doesn't live in fucking Bongo Bongo land.
( JeffTheDogFucker Can you dig it?, Sat 5 Oct 2013, 18:49, Reply)

nah, the 6k would be from putting the full £11500 in an ISA for two years with investment growth.
If he puts the balance in the same funds but via an OEIC then he gets the same growth but taxed.

The keeping up with house prices thing referred to 5 or 6% growth, not the cash growth. I assume Monty wants to buy again. If he does then his capital needs to grow at the same or faster rate than property does.
(dozers, do fuck off ur a nob m8, Sat 5 Oct 2013, 18:53, Reply)

b3ta.com/questions/offtopic/post2112274
( Fucking hell Jeff I am not a robot, Sat 5 Oct 2013, 18:54, Reply)

my flat is going up by 2k a month

( Monty Boyce, My cheese game is strong, Sat 5 Oct 2013, 19:17, Reply)

I have been misquoted
When I said it's the only way to keep up with house prices, I meant investing as opposed to cash. ISAs are your best option. Bang the balance in the same funds but via OEICs and transfer the max from the OEIC to an ISA each year. Cash is a waste of money.
(dozers, do fuck off ur a nob m8, Sat 5 Oct 2013, 19:22, Reply)

The main problem with this is that
For the love of money, people will lie, Lord, the will cheat
For the love of money people don't care who the hurt or beat

So I'm not sure who to agree with.
( MEATSNAKE Richard Hammond, Sat 5 Oct 2013, 19:29, Reply)