Edward 150;18368 wrote:Hi All, I am sure this has been asked before....................
I have a sum £100k to invest for 5 yrs, now suggestions.My StakeholdersPension shows I am pretty poor at this so I need possibly 50% fixed the rest I like Latin America, Asia, Energy .Invesco.
I also have the position where I can place min £1000 per month in over the next 5 yrs before I retire.
Difficult to get a good Planner so any suggestion.Been burnt once by Equitable Life so I am a bit cautious to say the least.
So would appreciate your ideas.
Five years may be a bit short for equities. It may also turn out to be too long for fixed-interest stocks (gilts, corporate bonds, etc) if all the money printing of the last 5 years creates the fairly predictable rise in interest rates and inflation. 5 years of cash deposits also looks a bit like a hiding to nothing in terms of inflation protection.
So, some questions:
Why 5 years? Is this a figure plucked out of the air, or do you have known commitments that require that sort of sum to be available to spend in 2018?
Why do you think that emerging markets will be a more reliable way to create value over 5 years than the developed world?
Is the £100,000 part of a larger existing portfolio and how does what you do with the £100,000 create a realistic, diversified spread of assets that will protect you from the wolves of future uncertain results?
