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Finances / Finanzen » uk.finance » best way to invest 30k
best way to invest 30k [message #391929] So, 04 Juni 2006 23:52
beno  
with 30k has anyone any advice on the most sensible way to invest it?

currently not working so have time to do work and interested in
property developing

could i make money if i did enough research and bought in the right
place for the right price?

or would a buy to let be more sensible long term?

any ideas welcome , thanks
Re: best way to invest 30k [message #391933 ] Mo, 05 Juni 2006 00:26
Derek Geldard  
On 4 Jun 2006 14:52:02 -0700, "beno" <beno [at] dsl.pipex.com> wrote:

>with 30k has anyone any advice on the most sensible way to invest it?
>
>currently not working so have time to do work and interested in
>property developing
>
>could i make money if i did enough research and bought in the right
>place for the right price?
>
>or would a buy to let be more sensible long term?
>
>any ideas welcome , thanks

If you are not working , presumably investing some of it into hardware
that you could start a one man business with would be a good start.

Avoid franchise schemes IMO. small scale stuff such as spray cleaning
wheely bins you can do yourself and start small is what you want.

Around here they want to charge £3.00 / bin with a discount for a year
in advance.

<Now you see em, now you don't> :-((

We have 3 wheely bins, = almost £500.00/year.

JMHO.

DG
Re: best way to invest 30k [message #391955 ] Mo, 05 Juni 2006 11:02
nbkm57  
"beno" <beno [at] dsl.pipex.com> wrote in message
news:1149457922.633594.179680 [at] h76g2000cwa.googlegroups.com...
> with 30k has anyone any advice on the most sensible way to invest it?
>
> currently not working so have time to do work and interested in
> property developing
>
> could i make money if i did enough research and bought in the right
> place for the right price?
>
> or would a buy to let be more sensible long term?
>
> any ideas welcome , thanks
>

I would buy the max 30k in premium bonds
Re: best way to invest 30k [message #391958 ] Mo, 05 Juni 2006 11:11
missltoemissltoe  
"beno" <beno [at] dsl.pipex.com> wrote in message
news:1149457922.633594.179680 [at] h76g2000cwa.googlegroups.com...
> with 30k has anyone any advice on the most sensible way to invest it?
>

Not a clue, without knowing if you want long term or short term investments,
and how much risk you are preparded to take

> currently not working so have time to do work and interested in
> property developing
>

Will this amount of cash affect any benefit entitlements ?

> could i make money if i did enough research and bought in the right
> place for the right price?
>

You could turn it into millions with the right about of luck :-)

> or would a buy to let be more sensible long term?
>

Tons of work and hassle, if you want to invest in property a managed fund is
a lot easier.
Re: best way to invest 30k [message #391960 ] Mo, 05 Juni 2006 11:41
Irma Troll  
mrcheerful . wrote:
> "beno" <beno [at] dsl.pipex.com> wrote in message
> news:1149457922.633594.179680 [at] h76g2000cwa.googlegroups.com...
>> with 30k has anyone any advice on the most sensible way to invest it?
>>
>> currently not working so have time to do work and interested in
>> property developing
>>
>> could i make money if i did enough research and bought in the right
>> place for the right price?
>>
>> or would a buy to let be more sensible long term?
>>
>> any ideas welcome , thanks
>>
>
> I would buy the max 30k in premium bonds

LOL

Irma

Inviato da X-Privat.Org - Registrazione gratuita http://www.x-privat.org/join.php
Re: best way to invest 30k [message #391964 ] Mo, 05 Juni 2006 13:37
Sam Smith  
"Irma Troll" <troll [at] troll.com> wrote in message
news:4483fc5a_2 [at] x-privat.org...

>> I would buy the max 30k in premium bonds
>
> LOL

You wouldn't be laughing if he won!

---
Sam
Re: best way to invest 30k [message #391967 ] Mo, 05 Juni 2006 13:57
Ronald Raygun  
beno wrote:

> with 30k has anyone any advice on the most sensible way to invest it?
>
> currently not working so have time to do work and interested in
> property developing
>
> could i make money if i did enough research and bought in the right
> place for the right price?
>
> or would a buy to let be more sensible long term?

Buy shares in Standard Life.

Train to become a plumber.
Re: best way to invest 30k [message #391970 ] Mo, 05 Juni 2006 14:50
Christian Konrad  
On Mon, 5 Jun 2006 12:37:45 +0100, "Sam Smith" <bob [at] bobinogs.bob>
wrote:

>
>You wouldn't be laughing if he won!

It probably would....

Daytona
Re: best way to invest 30k [message #391971 ] Mo, 05 Juni 2006 14:52
Christian Konrad  
On 4 Jun 2006 14:52:02 -0700, "beno" <beno [at] dsl.pipex.com> wrote:

>with 30k has anyone any advice on the most sensible way to invest it?

<URL:http://www.fool.co.uk/10steps/10steps.htm?ref=usenet>

Daytona
Re: best way to invest 30k [message #391972 ] Mo, 05 Juni 2006 15:07
tarquinlinbin  
On 5 Jun 2006 11:41:46 +0200, Irma Troll <troll [at] troll.com> wrote:

>mrcheerful . wrote:
>> "beno" <beno [at] dsl.pipex.com> wrote in message
>> news:1149457922.633594.179680 [at] h76g2000cwa.googlegroups.com...
>>> with 30k has anyone any advice on the most sensible way to invest it?
>>>
>>> currently not working so have time to do work and interested in
>>> property developing
>>>
>>> could i make money if i did enough research and bought in the right
>>> place for the right price?
>>>
>>> or would a buy to let be more sensible long term?
>>>
>>> any ideas welcome , thanks
>>>
>>
>> I would buy the max 30k in premium bonds
>
>LOL
>
Im sorry ?. I have the max £30k in bonds and I AM laughing !!!!




Remove antispam and add 670 after bra to email
Re: best way to invest 30k [message #391979 ] Mo, 05 Juni 2006 17:03
nbkm57  
"tarquinlinbin" <braantispam [at] hotmail.com> wrote in message
news:83b8829d8ooordpp1t9f6nq467ujkkb609 [at] 4ax.com...
> On 5 Jun 2006 11:41:46 +0200, Irma Troll <troll [at] troll.com> wrote:
>
>>mrcheerful . wrote:
>>> "beno" <beno [at] dsl.pipex.com> wrote in message
>>> news:1149457922.633594.179680 [at] h76g2000cwa.googlegroups.com...
>>>> with 30k has anyone any advice on the most sensible way to invest it?
>>>>
>>>> currently not working so have time to do work and interested in
>>>> property developing
>>>>
>>>> could i make money if i did enough research and bought in the right
>>>> place for the right price?
>>>>
>>>> or would a buy to let be more sensible long term?
>>>>
>>>> any ideas welcome , thanks
>>>>
>>>
>>> I would buy the max 30k in premium bonds
>>
>>LOL
>>
> Im sorry ?. I have the max £30k in bonds and I AM laughing !!!!
>

My point exactly. Each month a cheque or three, the capital is still there
if needed. The enjoyment of the tax free cheques is hard to describe, I
find.

mrcheerful
Re: best way to invest 30k [message #391981 ] Mo, 05 Juni 2006 18:01
Ronald Raygun  
mrcheerful
.. wrote:

> "tarquinlinbin" <braantispam [at] hotmail.com> wrote in message
> news:83b8829d8ooordpp1t9f6nq467ujkkb609 [at] 4ax.com...
>>
>> Im sorry ?. I have the max £30k in bonds and I AM laughing !!!!
>
> My point exactly. Each month a cheque or three, the capital is still
> there if needed. The enjoyment of the tax free cheques is hard to
> describe, I find.

The capital is eroding at inflation rate, though, since you're not
re-investing the cheques by buying more bonds, and the notional
average interest rate is in any case pretty low. For someone who
is neither a higher rate taxpayer nor a gambloholic, premium bonds
are just not a sensible investment.
Re: best way to invest 30k [message #391985 ] Mo, 05 Juni 2006 18:33
watt.tyler  
In an earlier contribution to this discussion,
tarquinlinbin <braantispam [at] hotmail.com> wrote:

>>
> Im sorry ?. I have the max £30k in bonds and I AM laughing !!!!
>

So what average annual level of prize money do you receive?

--
Cheers,
Roger
______
Email address maintained for newsgroup use only, and not regularly
monitored.. Messages sent to it may not be read for several weeks.
PLEASE REPLY TO NEWSGROUP!
Re: best way to invest 30k [message #391986 ] Mo, 05 Juni 2006 18:39
jim  
On Mon, 5 Jun 2006 17:33:54 +0100, "Roger Mills"
<watt.tyler [at] googlemail.com> wrote:

>In an earlier contribution to this discussion,
>tarquinlinbin <braantispam [at] hotmail.com> wrote:
>
>>>
>> Im sorry ?. I have the max £30k in bonds and I AM laughing !!!!
>>
>
>So what average annual level of prize money do you receive?

They may not be related facts...

Jim.
Re: best way to invest 30k [message #391994 ] Mo, 05 Juni 2006 22:35
MM  
On Mon, 05 Jun 2006 15:03:36 GMT, "mrcheerful
.." <nbkm57 [at] hotmail.com> wrote:

>
>"tarquinlinbin" <braantispam [at] hotmail.com> wrote in message
>news:83b8829d8ooordpp1t9f6nq467ujkkb609 [at] 4ax.com...
>> On 5 Jun 2006 11:41:46 +0200, Irma Troll <troll [at] troll.com> wrote:
>>
>>>mrcheerful . wrote:
>>>> "beno" <beno [at] dsl.pipex.com> wrote in message
>>>> news:1149457922.633594.179680 [at] h76g2000cwa.googlegroups.com...
>>>>> with 30k has anyone any advice on the most sensible way to invest it?
>>>>>
>>>>> currently not working so have time to do work and interested in
>>>>> property developing
>>>>>
>>>>> could i make money if i did enough research and bought in the right
>>>>> place for the right price?
>>>>>
>>>>> or would a buy to let be more sensible long term?
>>>>>
>>>>> any ideas welcome , thanks
>>>>>
>>>>
>>>> I would buy the max 30k in premium bonds
>>>
>>>LOL
>>>
>> Im sorry ?. I have the max £30k in bonds and I AM laughing !!!!
>>
>
>My point exactly. Each month a cheque or three, the capital is still there
>if needed. The enjoyment of the tax free cheques is hard to describe, I
>find.

But how much? I mean, in total? Have you worked out what you could be
getting through traditional investments? And that would be a
predicatble return, not the hit and miss affair of Ernie, who might
only pay low value prizes - or nothing at all for six months. I have
had £100 in the PB scheme since 1967 and have yet to win a single
penny! Needless to say, I am not impressed. Whether I would tie up
£30K in PBs, if I had it to spare, quite honestly, I doubt it. I could
be better off buying a top notch vintage car and keeping it for five
years. I haven't seen green label Bentleys losing value! (Not that
£30K would get you one, of course...)

MM
Re: best way to invest 30k [message #391996 ] Mo, 05 Juni 2006 22:51
tarquinlinbin  
On Mon, 05 Jun 2006 21:35:01 +0100, MM <kylix_is [at] yahoo.co.uk> wrote:


>But how much? I mean, in total? Have you worked out what you could be
>getting through traditional investments? And that would be a
>predicatble return, not the hit and miss affair of Ernie, who might
>only pay low value prizes - or nothing at all for six months. I have
>had £100 in the PB scheme since 1967 and have yet to win a single
>penny! Needless to say, I am not impressed. Whether I would tie up
>£30K in PBs, if I had it to spare, quite honestly, I doubt it. I could
>be better off buying a top notch vintage car and keeping it for five
>years. I haven't seen green label Bentleys losing value! (Not that
>£30K would get you one, of course...)
>
>MM
You have to be in it to win it. For example,last month a total of
seven,yes seven cheques,all £50,total £350. Theres the odd month when
nothing comes but generally something does...



Remove antispam and add 670 after bra to email
Re: best way to invest 30k [message #391999 ] Mo, 05 Juni 2006 23:31
Andy Pandy  
"tarquinlinbin" <braantispam [at] hotmail.com> wrote in message
news:s86982holugaitg8jr6uab1m0p3m6pka78 [at] 4ax.com...
> You have to be in it to win it. For example,last month a total of
> seven,yes seven cheques,all £50,total £350. Theres the odd month when
> nothing comes but generally something does...

Surely they don't send seven separate cheques in seven separate envelopes? If so no
wonder they've had to cut the interest rate to pay for postage. As someone said
recently on here - it's unbelievable they don't at least offer the option to pay
winnings direct into bank accounts. Cheques are a PITA.

--
Andy
Re: best way to invest 30k [message #392000 ] Mo, 05 Juni 2006 23:31
Andy Pandy  
"Ronald Raygun" <no.spam [at] localhost.localdomain> wrote in message
news:XzYgg.81282$wl.75806 [at] text.news.blueyonder.co.uk...
> >> Im sorry ?. I have the max £30k in bonds and I AM laughing !!!!
> >
> > My point exactly. Each month a cheque or three, the capital is still
> > there if needed. The enjoyment of the tax free cheques is hard to
> > describe, I find.
>
> The capital is eroding at inflation rate, though, since you're not
> re-investing the cheques by buying more bonds, and the notional
> average interest rate is in any case pretty low. For someone who
> is neither a higher rate taxpayer nor a gambloholic, premium bonds
> are just not a sensible investment.

They're not even sensible for a gambloholic - the skew towards the trivial end of the
prize scale makes them pretty boring for someone who likes a gamble.

--
Andy
Re: best way to invest 30k [message #392001 ] Mo, 05 Juni 2006 23:31
nbkm57  
"MM" <kylix_is [at] yahoo.co.uk> wrote in message
news:i259829apk5f5i36t3ggmi0md75ut5iphn [at] 4ax.com...
> On Mon, 05 Jun 2006 15:03:36 GMT, "mrcheerful
> ." <nbkm57 [at] hotmail.com> wrote:
>
>>
>>"tarquinlinbin" <braantispam [at] hotmail.com> wrote in message
>>news:83b8829d8ooordpp1t9f6nq467ujkkb609 [at] 4ax.com...
>>> On 5 Jun 2006 11:41:46 +0200, Irma Troll <troll [at] troll.com> wrote:
>>>
>>>>mrcheerful . wrote:
>>>>> "beno" <beno [at] dsl.pipex.com> wrote in message
>>>>> news:1149457922.633594.179680 [at] h76g2000cwa.googlegroups.com...
>>>>>> with 30k has anyone any advice on the most sensible way to invest it?
>>>>>>
>>>>>> currently not working so have time to do work and interested in
>>>>>> property developing
>>>>>>
>>>>>> could i make money if i did enough research and bought in the right
>>>>>> place for the right price?
>>>>>>
>>>>>> or would a buy to let be more sensible long term?
>>>>>>
>>>>>> any ideas welcome , thanks
>>>>>>
>>>>>
>>>>> I would buy the max 30k in premium bonds
>>>>
>>>>LOL
>>>>
>>> Im sorry ?. I have the max £30k in bonds and I AM laughing !!!!
>>>
>>
>>My point exactly. Each month a cheque or three, the capital is still
>>there
>>if needed. The enjoyment of the tax free cheques is hard to describe, I
>>find.
>
> But how much? I mean, in total? Have you worked out what you could be
> getting through traditional investments? And that would be a
> predicatble return, not the hit and miss affair of Ernie, who might
> only pay low value prizes - or nothing at all for six months. I have
> had £100 in the PB scheme since 1967 and have yet to win a single
> penny! Needless to say, I am not impressed. Whether I would tie up
> £30K in PBs, if I had it to spare, quite honestly, I doubt it. I could
> be better off buying a top notch vintage car and keeping it for five
> years. I haven't seen green label Bentleys losing value! (Not that
> £30K would get you one, of course...)
>
> MM

Vintage cars are a terrible investment, mainly because of the high cost of
physically keeping them.

The money is not really tied up in premium bonds because you can get it back
in a very short time.

30 k at 5 per cent is 1500 quid per year less tax.

mrcheerful
Re: best way to invest 30k [message #395997 ] Di, 06 Juni 2006 10:25
MM  
On Mon, 05 Jun 2006 22:39:06 GMT, "mrcheerful
.." <nbkm57 [at] hotmail.com> wrote:

>
>"MM" <kylix_is [at] yahoo.co.uk> wrote in message
>news:i259829apk5f5i36t3ggmi0md75ut5iphn [at] 4ax.com...
>> On Mon, 05 Jun 2006 15:03:36 GMT, "mrcheerful
>> ." <nbkm57 [at] hotmail.com> wrote:
>>
>>>
>>>"tarquinlinbin" <braantispam [at] hotmail.com> wrote in message
>>>news:83b8829d8ooordpp1t9f6nq467ujkkb609 [at] 4ax.com...
>>>> On 5 Jun 2006 11:41:46 +0200, Irma Troll <troll [at] troll.com> wrote:
>>>>
>>>>>mrcheerful . wrote:
>>>>>> "beno" <beno [at] dsl.pipex.com> wrote in message
>>>>>> news:1149457922.633594.179680 [at] h76g2000cwa.googlegroups.com...
>>>>>>> with 30k has anyone any advice on the most sensible way to invest it?
>>>>>>>
>>>>>>> currently not working so have time to do work and interested in
>>>>>>> property developing
>>>>>>>
>>>>>>> could i make money if i did enough research and bought in the right
>>>>>>> place for the right price?
>>>>>>>
>>>>>>> or would a buy to let be more sensible long term?
>>>>>>>
>>>>>>> any ideas welcome , thanks
>>>>>>>
>>>>>>
>>>>>> I would buy the max 30k in premium bonds
>>>>>
>>>>>LOL
>>>>>
>>>> Im sorry ?. I have the max £30k in bonds and I AM laughing !!!!
>>>>
>>>
>>>My point exactly. Each month a cheque or three, the capital is still
>>>there
>>>if needed. The enjoyment of the tax free cheques is hard to describe, I
>>>find.
>>
>> But how much? I mean, in total? Have you worked out what you could be
>> getting through traditional investments? And that would be a
>> predicatble return, not the hit and miss affair of Ernie, who might
>> only pay low value prizes - or nothing at all for six months. I have
>> had £100 in the PB scheme since 1967 and have yet to win a single
>> penny! Needless to say, I am not impressed. Whether I would tie up
>> £30K in PBs, if I had it to spare, quite honestly, I doubt it. I could
>> be better off buying a top notch vintage car and keeping it for five
>> years. I haven't seen green label Bentleys losing value! (Not that
>> £30K would get you one, of course...)
>>
>> MM
>
>Vintage cars are a terrible investment, mainly because of the high cost of
>physically keeping them.

I wish I still had my 1934 Morris 8, a 1940-ish Wolseley, a pre-war
Hillman, and many others, nearly all bought for a fiver or so.
Nowadays they'd all worth at least 5 grand apiece, a roughly 99900%
increase since 1960. Conversely, my father's smallholding was bought
for £5,500 in 1957 and recently sold (by the second or third owner
since then) for around £350,000. That's 6232% over a slightly longer
period.

MM
Re: best way to invest 30k [message #395998 ] Di, 06 Juni 2006 11:13
watt.tyler  
In an earlier contribution to this discussion,
mrcheerful . <nbkm57 [at] hotmail.com> wrote:

>
> The money is not really tied up in premium bonds because you can get
> it back in a very short time.
>
> 30 k at 5 per cent is 1500 quid per year less tax.
>
> mrcheerful

But how much prize money per annum could you *realistically* expect to
receive if you invest the full 30k?
--
Cheers,
Roger
______
Email address maintained for newsgroup use only, and not regularly
monitored.. Messages sent to it may not be read for several weeks.
PLEASE REPLY TO NEWSGROUP!
Re: best way to invest 30k [message #395999 ] Di, 06 Juni 2006 11:16
Tim  
"Andy Pandy" wrote
> Surely they don't send seven separate cheques in
> seven separate envelopes? If so no wonder they've
> had to cut the interest rate to pay for postage.

Hahahaha!
Even first class postage would only require a
drop in interest rates of (less than) 0.02%...

[Eg1: (50.00 / 50.32) x 3.0% = 2.98%.]
[Eg2: (100.00 / 100.32) x 3.0% = 2.99%.]

"Andy Pandy" wrote
> As someone said recently on here - it's unbelievable
> they don't at least offer the option to pay winnings
> direct into bank accounts. Cheques are a PITA.

Agreed!
Re: best way to invest 30k [message #396000 ] Di, 06 Juni 2006 11:23
Tim  
> mrcheerful wrote:
> > 30 k at 5 per cent is 1500 quid per year less tax.
>
"Roger Mills" wrote
> But how much prize money per annum could you
> *realistically* expect to receive if you invest the full 30k?

About the same, if you are a high rate taxpayer:-

Interest A/C: 30K x 5%pa is £900 after 40% tax.
.vs.
Premium Bonds: Say 12 x £50 and 3 x £100 = £900, tax-free.
[15 prizes on average over year for £30K bonds.]
Re: best way to invest 30k [message #396002 ] Di, 06 Juni 2006 11:48
Irma Troll  
tarquinlinbin wrote:
> On 5 Jun 2006 11:41:46 +0200, Irma Troll <troll [at] troll.com> wrote:
>
>> mrcheerful . wrote:
>>> "beno" <beno [at] dsl.pipex.com> wrote in message
>>> news:1149457922.633594.179680 [at] h76g2000cwa.googlegroups.com...
>>>> with 30k has anyone any advice on the most sensible way to invest it?
>>>>
>>>> currently not working so have time to do work and interested in
>>>> property developing
>>>>
>>>> could i make money if i did enough research and bought in the right
>>>> place for the right price?
>>>>
>>>> or would a buy to let be more sensible long term?
>>>>
>>>> any ideas welcome , thanks
>>>>
>>> I would buy the max 30k in premium bonds
>> LOL
>>
> Im sorry ?. I have the max £30k in bonds and I AM laughing !!!!

Exactly, so am I LOLLLLLLLL!

Irma

Inviato da X-Privat.Org - Registrazione gratuita http://www.x-privat.org/join.php
Re: best way to invest 30k [message #396003 ] Di, 06 Juni 2006 11:51
Irma Troll  
MM wrote:
> On Mon, 05 Jun 2006 22:39:06 GMT, "mrcheerful
> ." <nbkm57 [at] hotmail.com> wrote:
>
>> "MM" <kylix_is [at] yahoo.co.uk> wrote in message
>> news:i259829apk5f5i36t3ggmi0md75ut5iphn [at] 4ax.com...
>>> On Mon, 05 Jun 2006 15:03:36 GMT, "mrcheerful
>>> ." <nbkm57 [at] hotmail.com> wrote:
>>>
>>>> "tarquinlinbin" <braantispam [at] hotmail.com> wrote in message
>>>> news:83b8829d8ooordpp1t9f6nq467ujkkb609 [at] 4ax.com...
>>>>> On 5 Jun 2006 11:41:46 +0200, Irma Troll <troll [at] troll.com> wrote:
>>>>>
>>>>>> mrcheerful . wrote:
>>>>>>> "beno" <beno [at] dsl.pipex.com> wrote in message
>>>>>>> news:1149457922.633594.179680 [at] h76g2000cwa.googlegroups.com...
>>>>>>>> with 30k has anyone any advice on the most sensible way to invest it?
>>>>>>>>
>>>>>>>> currently not working so have time to do work and interested in
>>>>>>>> property developing
>>>>>>>>
>>>>>>>> could i make money if i did enough research and bought in the right
>>>>>>>> place for the right price?
>>>>>>>>
>>>>>>>> or would a buy to let be more sensible long term?
>>>>>>>>
>>>>>>>> any ideas welcome , thanks
>>>>>>>>
>>>>>>> I would buy the max 30k in premium bonds
>>>>>> LOL
>>>>>>
>>>>> Im sorry ?. I have the max £30k in bonds and I AM laughing !!!!
>>>>>
>>>> My point exactly. Each month a cheque or three, the capital is still
>>>> there
>>>> if needed. The enjoyment of the tax free cheques is hard to describe, I
>>>> find.
>>> But how much? I mean, in total? Have you worked out what you could be
>>> getting through traditional investments? And that would be a
>>> predicatble return, not the hit and miss affair of Ernie, who might
>>> only pay low value prizes - or nothing at all for six months. I have
>>> had £100 in the PB scheme since 1967 and have yet to win a single
>>> penny! Needless to say, I am not impressed. Whether I would tie up
>>> £30K in PBs, if I had it to spare, quite honestly, I doubt it. I could
>>> be better off buying a top notch vintage car and keeping it for five
>>> years. I haven't seen green label Bentleys losing value! (Not that
>>> £30K would get you one, of course...)
>>>
>>> MM
>> Vintage cars are a terrible investment, mainly because of the high cost of
>> physically keeping them.
>
> I wish I still had my 1934 Morris 8, a 1940-ish Wolseley, a pre-war
> Hillman, and many others, nearly all bought for a fiver or so.
> Nowadays they'd all worth at least 5 grand apiece, a roughly 99900%
> increase since 1960. Conversely, my father's smallholding was bought
> for £5,500 in 1957 and recently sold (by the second or third owner
> since then) for around £350,000. That's 6232% over a slightly longer
> period.


But you can't live in a car...Admittedly, you can't drive a smallholding
either.
Irma

Inviato da X-Privat.Org - Registrazione gratuita http://www.x-privat.org/join.php
Re: best way to invest 30k [message #396006 ] Di, 06 Juni 2006 12:09
nbkm57  
"MM" <kylix_is [at] yahoo.co.uk> wrote in message
news:h4ea825ofipuiq359ubsll5o3odje30rol [at] 4ax.com...
> On Mon, 05 Jun 2006 22:39:06 GMT, "mrcheerful
> ." <nbkm57 [at] hotmail.com> wrote:
>
>>
>>"MM" <kylix_is [at] yahoo.co.uk> wrote in message
>>news:i259829apk5f5i36t3ggmi0md75ut5iphn [at] 4ax.com...
>>> On Mon, 05 Jun 2006 15:03:36 GMT, "mrcheerful
>>> ." <nbkm57 [at] hotmail.com> wrote:
>>>
>>>>
>>>>"tarquinlinbin" <braantispam [at] hotmail.com> wrote in message
>>>>news:83b8829d8ooordpp1t9f6nq467ujkkb609 [at] 4ax.com...
>>>>> On 5 Jun 2006 11:41:46 +0200, Irma Troll <troll [at] troll.com> wrote:
>>>>>
>>>>>>mrcheerful . wrote:
>>>>>>> "beno" <beno [at] dsl.pipex.com> wrote in message
>>>>>>> news:1149457922.633594.179680 [at] h76g2000cwa.googlegroups.com...
>>>>>>>> with 30k has anyone any advice on the most sensible way to invest
>>>>>>>> it?
>>>>>>>>
>>>>>>>> currently not working so have time to do work and interested in
>>>>>>>> property developing
>>>>>>>>
>>>>>>>> could i make money if i did enough research and bought in the right
>>>>>>>> place for the right price?
>>>>>>>>
>>>>>>>> or would a buy to let be more sensible long term?
>>>>>>>>
>>>>>>>> any ideas welcome , thanks
>>>>>>>>
>>>>>>>
>>>>>>> I would buy the max 30k in premium bonds
>>>>>>
>>>>>>LOL
>>>>>>
>>>>> Im sorry ?. I have the max £30k in bonds and I AM laughing !!!!
>>>>>
>>>>
>>>>My point exactly. Each month a cheque or three, the capital is still
>>>>there
>>>>if needed. The enjoyment of the tax free cheques is hard to describe, I
>>>>find.
>>>
>>> But how much? I mean, in total? Have you worked out what you could be
>>> getting through traditional investments? And that would be a
>>> predicatble return, not the hit and miss affair of Ernie, who might
>>> only pay low value prizes - or nothing at all for six months. I have
>>> had £100 in the PB scheme since 1967 and have yet to win a single
>>> penny! Needless to say, I am not impressed. Whether I would tie up
>>> £30K in PBs, if I had it to spare, quite honestly, I doubt it. I could
>>> be better off buying a top notch vintage car and keeping it for five
>>> years. I haven't seen green label Bentleys losing value! (Not that
>>> £30K would get you one, of course...)
>>>
>>> MM
>>
>>Vintage cars are a terrible investment, mainly because of the high cost of
>>physically keeping them.
>
> I wish I still had my 1934 Morris 8, a 1940-ish Wolseley, a pre-war
> Hillman, and many others, nearly all bought for a fiver or so.
> Nowadays they'd all worth at least 5 grand apiece, a roughly 99900%
> increase since 1960. Conversely, my father's smallholding was bought
> for £5,500 in 1957 and recently sold (by the second or third owner
> since then) for around £350,000. That's 6232% over a slightly longer
> period.
>
> MM

But what about running costs/maintenance/storage/insurance? If you actually
add up that lot, then your investment will have cost you a small fortune.
Unless the vehicle is practically extinct now then its value is not actually
that great.

mrcheerful
Re: best way to invest 30k [message #396007 ] Di, 06 Juni 2006 12:13
nbkm57  
"Roger Mills" <watt.tyler [at] googlemail.com> wrote in message
news:4ekva6F1ehir5U1 [at] individual.net...
> In an earlier contribution to this discussion,
> mrcheerful . <nbkm57 [at] hotmail.com> wrote:
>
>>
>> The money is not really tied up in premium bonds because you can get
>> it back in a very short time.
>>
>> 30 k at 5 per cent is 1500 quid per year less tax.
>>
>> mrcheerful
>
> But how much prize money per annum could you *realistically* expect to
> receive if you invest the full 30k?
> --
> Cheers,
> Roger

statistically you should get 1.25 prizes per month, so at the minimum prize
of 50 pounds that is 750 per year tax free. In practise the cheque
frequency is higher. I do not have the full amount yet, nor have I held
mine very long, but the cheques are coming in!!!

mrcheerful
Re: best way to invest 30k [message #396008 ] Di, 06 Juni 2006 12:21
nbkm57  
"mrcheerful ." <nbkm57 [at] hotmail.com> wrote in message
news:Qychg.81703$wl.80268 [at] text.news.blueyonder.co.uk...
>
> "Roger Mills" <watt.tyler [at] googlemail.com> wrote in message
> news:4ekva6F1ehir5U1 [at] individual.net...
>> In an earlier contribution to this discussion,
>> mrcheerful . <nbkm57 [at] hotmail.com> wrote:
>>
>>>
>>> The money is not really tied up in premium bonds because you can get
>>> it back in a very short time.
>>>
>>> 30 k at 5 per cent is 1500 quid per year less tax.
>>>
>>> mrcheerful
>>
>> But how much prize money per annum could you *realistically* expect to
>> receive if you invest the full 30k?
>> --
>> Cheers,
>> Roger
>
> statistically you should get 1.25 prizes per month, so at the minimum
> prize of 50 pounds that is 750 per year tax free. In practise the cheque
> frequency is higher. I do not have the full amount yet, nor have I held
> mine very long, but the cheques are coming in!!!
>
> mrcheerful
>

Just an update, the nsandi website prize checker has just been updated for
June and I have got another 50 quid !!!!!!!!

That is a total of 150 quid income on a total of 6000 bonds that I have
built up over 6 months, so it is difficult to be precise about the
income/outlay yet.

Checked further and that is the second 50 quid on the first 2000 bond I
bought 6 months ago, so that particular one is 5 percent in 6 months, so
about double what a bank investment would give.

mr very cheerful
Re: best way to invest 30k [message #396012 ] Di, 06 Juni 2006 14:25
Christian Konrad  
On Mon, 05 Jun 2006 13:52:54 +0100, Daytona <me [at] privacy.net> wrote:

>On 4 Jun 2006 14:52:02 -0700, "beno" <beno [at] dsl.pipex.com> wrote:
>
>>with 30k has anyone any advice on the most sensible way to invest it?
>
><URL:http://www.fool.co.uk/10steps/10steps.htm?ref=usenet>

Sorry, old link -
< URL:http://www.fool.co.uk/10steps/financialfreedom/welcome.h tm?NavLoc=LN&NavFrom=home&NavTo=10steps>
Re: best way to invest 30k [message #396014 ] Di, 06 Juni 2006 15:06
watt.tyler  
In an earlier contribution to this discussion,
Tim <me [at] home.uk> wrote:

>> mrcheerful wrote:
>>> 30 k at 5 per cent is 1500 quid per year less tax.
>>
> "Roger Mills" wrote
>> But how much prize money per annum could you
>> *realistically* expect to receive if you invest the full 30k?
>
> About the same, if you are a high rate taxpayer:-
>
> Interest A/C: 30K x 5%pa is £900 after 40% tax.
> .vs.
> Premium Bonds: Say 12 x £50 and 3 x £100 = £900, tax-free.
> [15 prizes on average over year for £30K bonds.]


OK, so that's about 3% net. If you're *not* a higher rate taxpayer, and
would normally pay 20% tax on investment income, that grosses at 3.75%. I
would have thought you could do better than that in a building society.
--
Cheers,
Roger
______
Email address maintained for newsgroup use only, and not regularly
monitored.. Messages sent to it may not be read for several weeks.
PLEASE REPLY TO NEWSGROUP!
Re: best way to invest 30k [message #396015 ] Di, 06 Juni 2006 15:24
Ronald Raygun  
Roger Mills wrote:

> In an earlier contribution to this discussion,
> Tim <me [at] home.uk> wrote:
>
>>> mrcheerful wrote:
>>>> 30 k at 5 per cent is 1500 quid per year less tax.
>>>
>> "Roger Mills" wrote
>>> But how much prize money per annum could you
>>> *realistically* expect to receive if you invest the full 30k?
>>
>> About the same, if you are a high rate taxpayer:-
>>
>> Interest A/C: 30K x 5%pa is £900 after 40% tax.
>> .vs.
>> Premium Bonds: Say 12 x £50 and 3 x £100 = £900, tax-free.
>> [15 prizes on average over year for £30K bonds.]
>
>
> OK, so that's about 3% net. If you're *not* a higher rate taxpayer, and
> would normally pay 20% tax on investment income, that grosses at 3.75%. I
> would have thought you could do better than that in a building society.

Exactly. That point is often made, that premium bonds are basically
pointless *except* for HRTPs.
Re: best way to invest 30k [message #396016 ] Di, 06 Juni 2006 15:34
tarquinlinbin  
On Mon, 05 Jun 2006 21:51:42 +0100, tarquinlinbin
<braantispam [at] hotmail.com> wrote:

>On Mon, 05 Jun 2006 21:35:01 +0100, MM <kylix_is [at] yahoo.co.uk> wrote:
>
>
>>But how much? I mean, in total? Have you worked out what you could be
>>getting through traditional investments? And that would be a
>>predicatble return, not the hit and miss affair of Ernie, who might
>>only pay low value prizes - or nothing at all for six months. I have
>>had £100 in the PB scheme since 1967 and have yet to win a single
>>penny! Needless to say, I am not impressed. Whether I would tie up
>>£30K in PBs, if I had it to spare, quite honestly, I doubt it. I could
>>be better off buying a top notch vintage car and keeping it for five
>>years. I haven't seen green label Bentleys losing value! (Not that
>>£30K would get you one, of course...)
>>
>>MM
>You have to be in it to win it. For example,last month a total of
>seven,yes seven cheques,all £50,total £350. Theres the odd month when
>nothing comes but generally something does...
>

Oops -spoke too soon, another £50 for June....
>
>
>Remove antispam and add 670 after bra to email




Remove antispam and add 670 after bra to email
Re: best way to invest 30k [message #396017 ] Di, 06 Juni 2006 15:34
tarquinlinbin  
On Mon, 5 Jun 2006 23:11:04 +0100, "Andy Pandy"
<spam8times [at] wonderful.spam.invalid> wrote:

>
>"tarquinlinbin" <braantispam [at] hotmail.com> wrote in message
>news:s86982holugaitg8jr6uab1m0p3m6pka78 [at] 4ax.com...
>> You have to be in it to win it. For example,last month a total of
>> seven,yes seven cheques,all £50,total £350. Theres the odd month when
>> nothing comes but generally something does...
>
>Surely they don't send seven separate cheques in seven separate envelopes? If so no
>wonder they've had to cut the interest rate to pay for postage. As someone said
>recently on here - it's unbelievable they don't at least offer the option to pay
>winnings direct into bank accounts. Cheques are a PITA.
Oh yes they do,,crazy innit?



Remove antispam and add 670 after bra to email
Re: best way to invest 30k [message #396019 ] Di, 06 Juni 2006 15:36
tarquinlinbin  
On Tue, 6 Jun 2006 14:06:58 +0100, "Roger Mills"
<watt.tyler [at] googlemail.com> wrote:

>In an earlier contribution to this discussion,
>Tim <me [at] home.uk> wrote:
>
>>> mrcheerful wrote:
>>>> 30 k at 5 per cent is 1500 quid per year less tax.
>>>
>> "Roger Mills" wrote
>>> But how much prize money per annum could you
>>> *realistically* expect to receive if you invest the full 30k?
>>
>> About the same, if you are a high rate taxpayer:-
>>
>> Interest A/C: 30K x 5%pa is £900 after 40% tax.
>> .vs.
>> Premium Bonds: Say 12 x £50 and 3 x £100 = £900, tax-free.
>> [15 prizes on average over year for £30K bonds.]
>
>
>OK, so that's about 3% net. If you're *not* a higher rate taxpayer, and
>would normally pay 20% tax on investment income, that grosses at 3.75%. I
>would have thought you could do better than that in a building society.
True but then you;d have no chance of winning a high value prize...



Remove antispam and add 670 after bra to email
Re: best way to invest 30k [message #396020 ] Di, 06 Juni 2006 15:37
tarquinlinbin  
On Tue, 06 Jun 2006 10:21:15 GMT, "mrcheerful
.." <nbkm57 [at] hotmail.com> wrote:

>
>"mrcheerful ." <nbkm57 [at] hotmail.com> wrote in message
>news:Qychg.81703$wl.80268 [at] text.news.blueyonder.co.uk...
>>
>> "Roger Mills" <watt.tyler [at] googlemail.com> wrote in message
>> news:4ekva6F1ehir5U1 [at] individual.net...
>>> In an earlier contribution to this discussion,
>>> mrcheerful . <nbkm57 [at] hotmail.com> wrote:
>>>
>>>>
>>>> The money is not really tied up in premium bonds because you can get
>>>> it back in a very short time.
>>>>
>>>> 30 k at 5 per cent is 1500 quid per year less tax.
>>>>
>>>> mrcheerful
>>>
>>> But how much prize money per annum could you *realistically* expect to
>>> receive if you invest the full 30k?
>>> --
>>> Cheers,
>>> Roger
>>
>> statistically you should get 1.25 prizes per month, so at the minimum
>> prize of 50 pounds that is 750 per year tax free. In practise the cheque
>> frequency is higher. I do not have the full amount yet, nor have I held
>> mine very long, but the cheques are coming in!!!
>>
>> mrcheerful
>>
>
>Just an update, the nsandi website prize checker has just been updated for
>June and I have got another 50 quid !!!!!!!!
>
Me too ....!



Remove antispam and add 670 after bra to email
Re: best way to invest 30k [message #396033 ] Di, 06 Juni 2006 18:45
Andy Pandy  
"Tim" <me [at] home.uk> wrote in message news:aYidnTC2xoCM1RjZRVnyjQ [at] bt.com...
> "Andy Pandy" wrote
> > Surely they don't send seven separate cheques in
> > seven separate envelopes? If so no wonder they've
> > had to cut the interest rate to pay for postage.
>
> Hahahaha!
> Even first class postage would only require a
> drop in interest rates of (less than) 0.02%...
>
> [Eg1: (50.00 / 50.32) x 3.0% = 2.98%.]
> [Eg2: (100.00 / 100.32) x 3.0% = 2.99%.]

They cut the rate by 0.05%.

--
Andy
Re: best way to invest 30k [message #396034 ] Di, 06 Juni 2006 18:54
Andy Pandy  
"Tim" <me [at] home.uk> wrote in message news:RJydnW_vj9AD1BjZnZ2dnUVZ8s-dnZ2d [at] bt.com...
> > > 30 k at 5 per cent is 1500 quid per year less tax.
> >
> "Roger Mills" wrote
> > But how much prize money per annum could you
> > *realistically* expect to receive if you invest the full 30k?
>
> About the same, if you are a high rate taxpayer:-
>
> Interest A/C: 30K x 5%pa is £900 after 40% tax.
> .vs.
> Premium Bonds: Say 12 x £50 and 3 x £100 = £900, tax-free.
> [15 prizes on average over year for £30K bonds.]

Over 96% of the prizes are £50's, so you'd be extremely luck to get 3 £100's a year.
The average would be one £100 every two years, and 14-15 £50's a year.

--
Andy
Re: best way to invest 30k [message #396035 ] Di, 06 Juni 2006 19:02
Andy Pandy  
"tarquinlinbin" <braantispam [at] hotmail.com> wrote in message
news:h61b82131skn7gs61s2thhm6p3a4gujgf6 [at] 4ax.com...
> >>> But how much prize money per annum could you
> >>> *realistically* expect to receive if you invest the full 30k?
> >>
> >> About the same, if you are a high rate taxpayer:-
> >>
> >> Interest A/C: 30K x 5%pa is £900 after 40% tax.
> >> .vs.
> >> Premium Bonds: Say 12 x £50 and 3 x £100 = £900, tax-free.
> >> [15 prizes on average over year for £30K bonds.]
> >
> >
> >OK, so that's about 3% net. If you're *not* a higher rate taxpayer, and
> >would normally pay 20% tax on investment income, that grosses at 3.75%. I
> >would have thought you could do better than that in a building society.
> True but then you;d have no chance of winning a high value prize...

But the chance of winning a high value prize is miniscule with premium bonds. They
are skewed towards the lower end.

The chance of winning a big prize (£5000+) is 1 in 125 million per bond, and for the
jackpot it's 1 in 15 billion.

--
Andy
Re: best way to invest 30k [message #396038 ] Di, 06 Juni 2006 19:21
Ronald Raygun  
Andy Pandy wrote:

>
> "Tim" <me [at] home.uk> wrote in message news:aYidnTC2xoCM1RjZRVnyjQ [at] bt.com...
>> "Andy Pandy" wrote
>> > Surely they don't send seven separate cheques in
>> > seven separate envelopes? If so no wonder they've
>> > had to cut the interest rate to pay for postage.
>>
>> Hahahaha!
>> Even first class postage would only require a
>> drop in interest rates of (less than) 0.02%...
>>
>> [Eg1: (50.00 / 50.32) x 3.0% = 2.98%.]
>> [Eg2: (100.00 / 100.32) x 3.0% = 2.99%.]
>
> They cut the rate by 0.05%.

That way they can afford to pay for the envelopes too, and
for an army of stuffers.
Re: best way to invest 30k [message #396039 ] Di, 06 Juni 2006 19:25
Andy Pandy  
"mrcheerful ." <nbkm57 [at] hotmail.com> wrote in message
news:vGchg.81706$wl.39287 [at] text.news.blueyonder.co.uk...
> > statistically you should get 1.25 prizes per month, so at the minimum
> > prize of 50 pounds that is 750 per year tax free. In practise the cheque
> > frequency is higher.

In practice the cheque frequency is exactly what is published.

Do you really think they are giving away more prizes than they think they are?

> > I do not have the full amount yet, nor have I held
> > mine very long, but the cheques are coming in!!!
> >
> > mrcheerful
> >
>
> Just an update, the nsandi website prize checker has just been updated for
> June and I have got another 50 quid !!!!!!!!
>
> That is a total of 150 quid income on a total of 6000 bonds that I have
> built up over 6 months, so it is difficult to be precise about the
> income/outlay yet.
>
> Checked further and that is the second 50 quid on the first 2000 bond I
> bought 6 months ago, so that particular one is 5 percent in 6 months, so
> about double what a bank investment would give.

Beginner's luck!

--
Andy
Vorheriges Thema:tax on waived interest payments from ex-wife?
Nächstes Thema:Caledonia Investments special dividend offer...
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