Post by wickedxuk on Oct 1, 2016 12:23:44 GMT
27% across the current accounts chasing those rates,
28% in cash Isa's (all on earlier fixes and so closed to new deposits,
7% premium bonds (which I was building up from running P2P down)
12% Zopa,
26% Ratesetter
Just started dabbling in Lendinvest.....not yet reached 1%, was with Wellesley but did not reinvest after they left P2PFA.
The most obvious things missing are stocks and bonds.
I don't invest with hl.co.uk but find their site really useful for research.
www.hl.co.uk/funds/fund-discounts,-prices--and--factsheets/search-results?page=1&tab=prices
(Click on the magnifying glass, leaving the field blank and then select some filters down the left hand side)
From the above link you can play around with a few filters to find some bond funds that should suit your more cautious approach, which could continue to grow in size while also paying a monthly or quarterly payout direct to your account.
4-6% returns are achievable.
Appreciate you are now comfortable with p2p but in my opinion you already seem to have too much in one sector here.
It wouldnt take much reading and research to make yourself familiar with this new (to you) style of investing as you did with p2p when you made the transition of diversifying here.
Out of curiosity who do you use to invest in Stocks, Shares, Bonds etc? At the moment I have no ISA's but would like to move some money into stock and shares to balance my portfolio.