Theoretically, how would you invest £190k?

[Robster]

Someone I know got this amount in early-inheritance after their father sold the family business.

What would BCF do? buy a student house? stocks and shares? hookers and blow?

Obviously I told them to give it to me and i'd sort it out for them, i'm still waiting for their reply.
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Up the bum no babies.

[Itchy]

I bought land, then built houses on them.

I also used some of it as start up capital for an outsourcing company I opened up.


But UK rent market is going to get tightened up considerably. Clause 24 of the finance act means being a landlord is going to be tougher. As the expenses claimable are going to be reduced (10% W&T allowance is being removed from April) mortgage interest will be limited to 20% as well. The new stamp duty changes announced yesterday are also going to bite.


Quite simply what happened is that the government realised they were broke and landlords are a very easy target (Wales requires licensing of landlords). Landlords were also outnumbered by people renting so there were more votes in that.
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Spain 2008France 2007Big one 2009 We all die. The goal isn't to live forever, the goal is to create something that will. In the end, your life will flash before your eyes. Make sure it is worth watching.

[Llama-Farmer]

Split the money into different investments.


Invest in some shares in a strong & expanding business in a strong expanding industry.

easyJet and Ryanair would be good ones. Both companies have big aircraft orders so will be expanding massively over the next 5-10 years. RYR has massive revenue increases and consistently profitable, EZY has posted 5 consecutive years of record profits.

(Only suggest those two as I know the airline industry better than other industries. I'm sure there are many strong companies in many industries worth investing in)


Property is always a good one... if you can get a mortgage, and able to do a lot of stuff yourself, it may be worth getting either a fixer-upper to sell on, or renting out to pay off the mortgage.

Student houses seem to be poorer-than-average and more expensive than average... I lived in a 4-bed semi-detached with garage & gardens, privately rented for £500 pcm... whereas as a student I was living in a smaller terraced house, and between 4 of us the landlord was getting over £1k a month. If you can get a property in a convenient area its definitely worth targeting students.
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Current Bike: 1999 Honda CB600 FX Hornet
Next Bike: I want a CBR-RR. And I want an F800 GS-A. And a VFR 800. Can I have all 3?
Dream Bikes: Honda VFR750R RC30, Honda NSR500, Ducati 996 R

[Ste]

Bitcoin.

Alternatively, advice from Coutts 10 years ago for investing £300k was to split it equally and buy three distribution bonds.

[Rogerborg]

Any land or property anywhere in London. Ignore any laws, they only apply to provincials.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[Pigeon]

I'd buy my retirement flat somewhere near (but not too near) the coast.

Then rent it out to old people for 30 years. Once too knackered to mow a bit of lawn, sell my house (without paying capital gains), then move into retirement flat.

Haha, just kidding. Coke & hoes.


With that amount, I'd probably "invest" it in life. Give up the job, rent my house out and go off travelling forever.

[pepperami]

Go to bank and withdraw the whole amount in £20 notes, then carry it around with you.
Dont forget to tell me where you will be on a late dark night
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I am the sum total of my own existence, what went before makes me who I am now!

[RhynoCZ]

190k you say, well it depends. Do they want to enjoy the money yet stay at least near what they've invested OR they just want the profit of an investment?

I'd put it in the bank for now, the interest on such amount of money will certainly be not negligible. Then I'd wait for when the prices of real estate and/or any other desired commodity that does not degrade (that is important) is low and buy that.

But as it wouldn't be just pocket money for me, I'd build a house. Mortgage free house is always better than wasting the money on holidays and expensive stuff you do not actually need. They also say, the top of the range Swiss made watches are a good investment, but I wouldn't go there, as there is a lot that can go wrong, if you're not an expert at watches.
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'87 Honda XBR 500, '96 Kawasaki ZX7R P1, '90 Honda CB-1, '88 Kawasaki GPz550, MZ 150 ETZ
'95 Mercedes-Benz w202 C200 CGI, '98 Mercedes-Benz w210 E200 Kompressor

[hellkat]

[unitynotsocri...]

land ,guns,bitcoin and gold.
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nearly a normal tax paying tosser.......with ferrileness suzi100,cg125,cb125scb100n,cb175,cd100,cj250t,kh250,c15,125 bantam,super 6,rickman gs750,xt500,250rs,dt175,lifan125,dolomite1850,metro,Morris220ld,morrisfg,leyland princess,range rover,corsa,vw camper .now struggling with legs. MORE ORDER = MORE CHAOS

[.....]

Deposit on house, rent it out, buy motorbike, ride round world until I've had enough.

[Rogerborg]

[ScaredyCat]

Coquette based delectation delivery and synthesized hydrochloride retention.




(hookers and coke)
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Honda CBF125 ➝ NC700X
Honda CBF125 ↳ Speed Triple

[smegballs]

need mo money fo dey rentseeking

[Pete.]

I'd pay off my mortgage. It would be a great return on 'investment' just on the interest saved and no risk.
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a.k.a 'Geri'

132.9mph off and walked away. Gear is good, gear is good, gear is very very good

[Diggs]

....or invest it in memories because you are a long time dead. Sell all your shit and travel the world for 5 years. England will still be here when you come back. Wish I'd done this years ago before I had kids and if I can persuade my puberts to do just this before they settle down I will consider myself a good dad.
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Now - Speed Triple, old ratty GS550, GSXR750M
Gone (in order of ownership) - Raleigh Runabout, AP50, KH125, GP125, KH250, CBX550, Z400, CB750FII, 250LC, GS550, ZXR750H1, Guzzi Targa, GSX750F, KH250 x2, Bimota SB6R and counting...

[Llama-Farmer]

Saw this on my Facebook feed this morning... worth considering.

https://uk.businessinsider.com/why-i-regret-paying-off-my-mortgage-in-2-years-2015-11
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Current Bike: 1999 Honda CB600 FX Hornet
Next Bike: I want a CBR-RR. And I want an F800 GS-A. And a VFR 800. Can I have all 3?
Dream Bikes: Honda VFR750R RC30, Honda NSR500, Ducati 996 R

[Sun Wukong]

[RhynoCZ]

/OR: https://www.youtube.com/watch?v=JlKuITV4-SQ
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'87 Honda XBR 500, '96 Kawasaki ZX7R P1, '90 Honda CB-1, '88 Kawasaki GPz550, MZ 150 ETZ
'95 Mercedes-Benz w202 C200 CGI, '98 Mercedes-Benz w210 E200 Kompressor

[P.]

Live comfortably. That's all I'd do. I'm not on this planet to make money and be rolling in cash. I'm here to just have a good time and not push myself too hard. I'd buy a cheapish house around the Gainsborough or Lincoln area, sell my other properties and go live there.

[Rogerborg]

[Ste]

[monkeybiker]

[Pete.]

Also, it's an instant return. You might well make more from an investment portfolio but then you might not live to see a return on it.
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a.k.a 'Geri'

132.9mph off and walked away. Gear is good, gear is good, gear is very very good

[Itchy]