What to do with this money?

Question

I have come into allot of money. Its not enough to go crazy with. But invested in the right way, would mean in a few years time I could stop working completely and enjoy life to the max.

My problem is what to invest in . The best investment that gives me the most interest is the bank. I get 7.15% worked monthly on a normal saver's account . There are also bank bonds. They give me 8.98% but the money would have to be locked in for 2 years. The full amount . I am not to happy to do that.

Capital gains Tax is about 30%. I have to think about that to.

I am looking for an investment that will give me between 35%-40% capital growth on my investment .So as to out strip the capital gains tax. I know that to get 35%-40% is hard. But thats what I am looking for.

But is there anything better that I could invest in then the back. I am not interest in the stock market....its to up and down for my liking.

But any other form of investment?

Answer 1

30 percent on return. Yes you can!

Selling  alcohol.

See our site http://www.konyagiusa.com

You can contact me at [e-mail]

Good luck

Answer 2

try this website out http://www.prosper.com/join/loan/deandre...

you can basically build a investor profile then shop for a loan to finance. When you shop for a loan to finance you see the persons profile why they want the loan , their creditscore and appicable data to the loan in which they are aplying for. If you like then you bid on the right to finance the loan. when you bid you use the interest rate on the loan as a bidding device. for instance a person want a loan for 2000 and you decide you will finance it at 13.5% and if you win the bid that will be one of the terms of the loan. i think this is a great way to make money is become like a bank.  good luck!!

Answer 3

Do a lot of of research, learn financial education.

Velocity of Money

Risk

Rule of 72

Control

Start a  business

Flow to Real Estate (Tax advantages)

If your current investments are truly giving you those returns congratulations you are in an exception, this is your third vehicle but you want your money in short term, pull your original investment out then restart you process.

Make sure you talk to an CPA for Business Entitles (you do not want Real Estate in an Corporation) to costly.

Hope this helps

Answer 4

Try buying a rental property.  The easiest to manage is a single family home.  Hammer the bank (buy only foreclosures) with a low ball bid.  Don't be afraid to say no if they ask for more.  If you can buy a house that returns 20% on what you put in, buy it!  Even if the market goes down a little further, you will be okay because you hammered the bank and refused to pay more.  Check out HUD.com and click your way to a property in your state.  Search the web for REO (real estate owned).

Answer 5

UK answer:

I think on the capital gains side you're operating under a bit of a false assumption mate.... you don't pay 30% on the principal... just the gain.

As a simple example if the value of your investment goes up by 10% you get to keep 7%.  So you invest 100... next year it's worth 110... you pay tax of 3 not 33.

It's actually more complicated than that as you get tax free allowances and there are things you can invest in where capital gains aren't taxed at all.

To be honest mate you don't give anything like enough info for anyone to give you meaningful advice on where to invest your cash... and anyone on here who attempts to is best ignored.

It depends on how much cash are we talking , how old are you, what do you want to do with the money in the future, what are the chances you'll need to get at it quick, are you married, planning to get married , do you have kids... the list of things to take into account is endless.

Go see (more than 1) qualified adviser, if they don't ask all of the above and more.... walk out, they're just going to try and do an easy sale.

Good luck to you.

Edit

=============

Lance you misunderstood me... I wasn't asking you to tell me any information, nor suggesting you should put it on here.

Quite the reverse.

I am saying you should go and talk to a qualified investment expert and discuss everything in full detail with THEM.

$4m isn't a fortune no, but it's enough to warrant getting some proper advice. You should probably be looking at a spread of investments anyway not just one thing.

I still say anyone taking investment advice off of Yahoo Answers seriously is a fool....a fool and his money are soon parted.... and you don't seem like a fool.

Get some decent advice..... please

Answer 6

35 to 40%!  well...theres real estate in some markets, or start a business, muual funds over the long term can getcha about 10 to 20 percent or more...

Answer 7

Actually, I'm more fond of red, doling it out a little at a time, doubling up when the odds improve (three black numbers in the last three spins).

More to the point, although with a similar concept, the Financial industry sector has been beaten down, really bad. But some parts aren't really suffering right now. Look among the Commercial banks and diversified financial organizations.

Encore Capital Group had an impressive rise in recent days, so check out ECPG. While you are at it, look at Portfolio Recovery Associates (PRAA) and (I like this one) PICO Holdings (PICO).

In the commercial banks look at Republic Bancorp (RBCA), UMB Financial (UMBF), (you may have missed the good run on this) Wilshire Bancorp (WIBC), and (similarly) First Financial in Indiana (THFF).

I know you said you weren't interested in the stock market, but if you went with mutual funds most of them that are earning anything are invested in -- voila! -- the stock market.

Part of that is managing the diversification and risks. That is akin to what I presented, Cherry-picking good companies that the market likes right now, then getting ready to dump them for the next flavor of the month. The nice thing, is if you pick solid companies in the first place there isn't as much downside and when the market swings up, these ought to do quite well. A profitable company will, over time, give you the kinds of long-term numbers you crave. So, you can trade your way by watching closely, or simply pick some solid companies that do things you like, then go fishing. Let them do what they do best and you go about what interests you in the real world of life. Solid companies will grow, so crunch some numbers and take your pick.

Answer 8

Invest in real estate and HSBC and Barclays shares which should appreciate in two years time.

Answer 9

Put it all on black...