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How would you invest a six figure sum? (12)


08-21-2015 01:29 PM #1 dazed1 (Member)
How would you invest a six figure sum?

Once you have stacked the money - how do you invest it?

Obviously a good mixture is best, maybe in property, shares, P2P lending?

Love to hear the thoughts of some big players here.


08-21-2015 02:02 PM #2 mminsk (Member)

If you're interested in the stock market, here's a starting point: index funds and investment strategies.


08-21-2015 02:17 PM #3 dazed1 (Member)

Quote Originally Posted by mminsk View Post
If you're interested in the stock market, here's a starting point: index funds and investment strategies.
Thanks, I've actually been looking at http://www.trustnet.com/ lately which was recommended by a friend.


08-21-2015 02:32 PM #4 dmitrycy (Member)

honestly six figures, in the grand schemes of things, is not that much money to live off with a passive investment strategy. stick it back in what you know and put aside some cash for a rainy day and fun.


08-21-2015 02:44 PM #5 cbrughmans (Member)

only invest in things you 100% understand and make a good tradeoff between risk & return.

if you have made that money in affiliate marketing - by being an affiliate - nothing is stopping you from doubling, tripling, quadrupling that amount by re-investing it in campaigns. That's probably the safest bet, with the highest payoff.


08-21-2015 02:46 PM #6 mminsk (Member)

Quote Originally Posted by dmitrycy View Post
honestly six figures, in the grand schemes of things, is not that much money to live off with a passive investment strategy. stick it back in what you know and put aside some cash for a rainy day and fun.
You're completely right. To generate passive money to live off, you definitely need more digits behind that number. Still, I think no matter your income or balance, you can always spare some money to invest. If you have some cash on the side you don't necessarily need, don't let it sit around. Lazy money is wasted money.


08-21-2015 03:11 PM #7 dazed1 (Member)

Yep certainly not enough to retire from! As mminsk suggested it's money sat around making close to zero, so makes sense to invest. Unfortunately with paid marketing I have not found a way to get a good return on my investment - my income has been from other endevours.

I'm yet to crack that cookie..


08-21-2015 03:44 PM #8 tim roth (Member)

Best investment is (99% time) into your business.


08-21-2015 05:10 PM #9 pandabear (Member)

If by six figure sum you mean 100-250k sitting around - don't bother: it's almost certainly not gonna be worth your time. Been there before. What you could do with 250k + is index funds IF you can keep profits tax free, that will generate some EV. If you can afford losing and won't need it anytime soon, that is.

If you're asking for the 5% save, almost no risk strategy I'd highly recommend waiting until you have at least 600k or more and then do a lot of research first. Most Stackers on here seem to agree with that Good luck either way!


08-21-2015 05:17 PM #10 dazed1 (Member)

We're talking over $250k here. I already have property which I rent out, but this only makes a 5% return after fees and tax.

I am currently maxing out my ISA allowance in the UK - which are stocks and shares ISA paying an average of 11% tax free each year.

One option is a self invested pension which I will get an extra 20% added in by the goverment for free. Problem with that is, I won't see anything until I'm 55, but there would be a considerable sum and certainly a retirement in there with fairly good wages.

It's all relative really, I don't have any debts, so literally only need £20k (not dollar) a year to live on. I do think its possible to invest in the right way now to realise almost half of that in yearly income.


08-21-2015 05:17 PM #11 cptncrnch (Member)

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08-21-2015 05:19 PM #12 dazed1 (Member)

cptcrnch has it!

It's been on the back of my mind all along, but was afraid to say it in case anyway thought I was being wasteful


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