Cactus Personal Finance

Hello everyone! I love talking about investment and today I’m going to write a post about how to invest £50,000 in a simple way.

What I write on this website is not financial advice, I always encourage you to do your own further research. If you’re in doubt about anything, it’s worth consulting a regulated financial advisor who would provide suitable tailor-made advices that match your circumstances.

In this article we’re looking at a good balance between savings and investments. Remember to take your time and define what goals you want to achieve. We all have different circumstances and life gets on its way most of the time. Are you thinking to make a big purchase soon, such as purchasing a car or a house deposit? Once again I recommend seeking independent advice from a regulated advisor who will match your objectives.

A great way to achieve higher returns over the long term is to invest into the stock markets. If you’re investing for the first time, an ISA account is worth considering to start your investing journey. In this case we’re aiming at using the full allowance of £20,000.

Here’s my proposition how to split £20,000:

£5,000 in world equity index
£5,000 North America equity index
£5,000 Europe equity index
£5,000 Emerging markets equity index

Positives:

• Money grows tax-free
• Withdraw anytime

The remaining £30,000 could be invested in a saving account.

Positives:

• Save at competitive rates
• Withdraw anytime

I hope you enjoy reading this article and if you have any questions feel free to drop me a line.