hazellend
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Post by hazellend on Jan 26, 2018 11:02:22 GMT
For the people renting out parking space in front of their houses: there's also a website where you can rent out storage space in your house/garage to people who need it. storemates.co.uk/ On another note, has anyone tried the student flat investments with people like emergingproperty.co.uk? I spoke with a chap there last week, telling him that our main worry is how easy it would be to sell the investment and get our capital back, and he said that people always sell at a slight profit, as well as getting their 8 -10% p/a returns. We're not sure whether to dive in or not. Hi poppyland, have you looked at property partner?
They have a few high yielding student properties to invest in now. I wouldn't want to buy one student unit as it is extremely undiversified and illiquid.
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macq
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Post by macq on Jan 26, 2018 11:30:20 GMT
there are also student REIT but still risky
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Post by Deleted on Jan 26, 2018 11:32:13 GMT
PIBS make a strong core to an income strategy.
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macq
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Post by macq on Jan 26, 2018 11:43:33 GMT
PIBS make a strong core to an income strategy. Seen you mention them before so guess you like them but do they not come with the risk of no redemption date? (assume they are the ones from building society's or am i thinking of something else )Are they like bonds where you have to get the price right?
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Post by Deleted on Jan 26, 2018 12:18:50 GMT
Two types of PIBS ones with redemption dates and ones without. The redemption dated ones close out and you get the £1 back though you might have paid £1.60 for that pound while the ones without redemption can keep paying and paying and paying.
Do they come with risk? For sure, the Bank of Ireland collapsed in 2007 and messed up their PIB, the Coop fouled a few years back and devalued them, but let's face it, most people knew the Coop was run by numpties, BOI, well the same thing wrecked a lot of economies at the same time.
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poppyland
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Post by poppyland on Jan 26, 2018 14:52:26 GMT
Thanks everyone for the thoughts on student flat investments. I'm going to check out PP, and maybe use them with a moderate initial stake, and see how it does. It does seem that individual flats, especially leasehold, are risky, and especially if after an inflated purchase price the initial interest is in fact your own excess capital being paid back to you!
It will be hard to leave the land of 12% entirely, but I'm getting more and more scared of investing in new projects as money repays. Speaking of which, FS coughed up capital and interest today on a loan - sigh of relief!
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stevio
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Post by stevio on Feb 26, 2018 7:44:40 GMT
What about other asset classes? Is anyone investing in a physical assets? I think gold was already mentioned what about properties? for the long term yes, short to mid term very uncertain I use Property Partner mainly as I cant bear the thought of actually buying and managing a property myself, plus it has advantages in terms of tax treatment, diversification and liquidity. 5-10 year horizon. Brick Lane for some ISA money (as dividends from PP plus S&S are over the annual £5000 tax free allowance) but any REIT could be held in an ISA. What are the tax benefits?
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IFISAcava
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Post by IFISAcava on Feb 26, 2018 11:36:29 GMT
for the long term yes, short to mid term very uncertain I use Property Partner mainly as I cant bear the thought of actually buying and managing a property myself, plus it has advantages in terms of tax treatment, diversification and liquidity. 5-10 year horizon. Brick Lane for some ISA money (as dividends from PP plus S&S are over the annual £5000 tax free allowance) but any REIT could be held in an ISA. What are the tax benefits? As I understood it using the company format for each property allows all mortgage interest to be offset against tax, which you can no longer do as an individual.
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Post by elephantrosie on Feb 26, 2018 12:21:17 GMT
for those of you who deposit money on a regular basis into stocks and shares account, would the transaction fees wipe out a large chunk of your ROI?
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stevio
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Post by stevio on Feb 26, 2018 13:24:36 GMT
for those of you who deposit money on a regular basis into stocks and shares account, would the transaction fees wipe out a large chunk of your ROI? There are % fee brokers with no individual transaction fees, but these might overall be more expensive, depending on how many trades you want to do There are also low fixed cost brokers, so my thread I started on brokers
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ozboy
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Mine's a Large One! (Snigger, snigger .......)
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Post by ozboy on Feb 26, 2018 14:13:29 GMT
Thanks IFISAcava, I'll have a squizz at Property Partners.  |
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james100
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Post by james100 on Feb 26, 2018 16:12:02 GMT
for those of you who deposit money on a regular basis into stocks and shares account, would the transaction fees wipe out a large chunk of your ROI? Quite a few brokers offer a separate "regular investment" transaction fee of only 1/1.50 if you commit to pre-order new investment on a monthly or quarterly investment - HL, ii and Barclays all do this off the top of my head. That's in addition to stamp duty (if applicable) and platform fees of course.
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Post by mattygroves on Feb 26, 2018 20:50:23 GMT
for those of you who deposit money on a regular basis into stocks and shares account, would the transaction fees wipe out a large chunk of your ROI? If you want to invest in funds HL don't charge any transaction fee for regular investments and shares/ ITs are only £1.50 a trade (plus stamp duty). The bigger charge for them is the platform fee depending on the size of your portfolio. You need to look at the whole costs of each platform - for a larger portfolio it makes more sense to be on a fixed fee platform. With ii it costs £90 for a year which can all be used as credit against trading fees. Lots of options out there.
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Post by samford71 on Feb 26, 2018 21:22:10 GMT
If you are looking for alternatives to P2P then it seems likely that you are looking for income rather than capital gains. You could look into the following investment trusts/funds/shares. They are from sectors such as direct lending, asset leasing, renewables, high yield bonds, property debt etc and to some degree replicate some of the risks of P2P/P2B/property lending. I've put the sector, ticker, name and yield (based on 12-month trailing dividends). This isn't a complete list by any stretch of the imagination.  Personally I'm not a fan of income/dividend strategies (hence why P2P is < 5% of my asset allocation). They are all vulnerable to higher long-term real yields. So I don't really 'recommend' any of these but I've held a few of these over the years. |
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edward
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Post by edward on Feb 26, 2018 22:42:53 GMT
I also hold a few of the above high yield within an ISA, but in the interests of diversity am considering investing in some capital growth investment trusts outside the ISA to hopefully make better use of CGT allowances. Does anyone have any recommendations? Looking for nil or minimal income.
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