Options for 50k investment

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coolaboola12

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Hi all

I have 50k to invest and just wondering what people would do with this amount of money

My pension is 100% equities so not sure if the 50k should go into equities also ?

I was thinking of splitting it up amongst a few investment trusts like fcit / jam etc
 
Have you a mortgage or other borrowing?

Have you maxed out your pension contributions?

Assuming no mortgage and maxed pensions, just buy more equities. You can handle the risk and you are a long term investor.
 
Brendan Burgess said:
Have you a mortgage or other borrowing?

Have you maxed out your pension contributions?

Assuming no mortgage and maxed pensions, just buy more equities. You can handle the risk and you are a long term investor.
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Mortgage paid off and maxing out avc

Do you mean buy individual stocks? I'm not much of a stock picker
 
Brendan Burgess said:
You don't have to be.

Just pick a few large cap stocks - if possible diversifying against your pension.

Brendan
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Pension is passive index tracking so hard to diversify against that

If I put 10k into one stock , isn't that risky as opposed to using investment trusts ?
 
coolaboola12 said:
If I put 10k into one stock , isn't that risky as opposed to using investment trusts ?
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If your total assets were €5m and you bought 5 stocks of €1m each, then you would be putting 20% of your total assets into one stock which would be risky.

But if your total assets including your home and your pension are €1m and you put all €50k into one stock and it goes bust, you are losing 5% of your wealth. So it's not especially risky.

If you buy 5 stocks at €10k each, then you are investing 1% of your wealth in each stock.

Brendan
 
Brendan Burgess said:
If your total assets were €5m and you bought 5 stocks of €1m each, then you would be putting 20% of your total assets into one stock which would be risky.

But if your total assets including your home and your pension are €1m and you put all €50k into one stock and it goes bust, you are losing 5% of your wealth. So it's not especially risky.

If you buy 5 stocks at €10k each, then you are investing 1% of your wealth in each stock.

Brendan
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I understand now, thanks for the advice
 

What to do with 1500 per month

Hi all I'm maxing pension and mortgage free and fortunately generating 1500 a month surplus cash and would like opinions on what to do with it. I have a high 5 figure lump sum in AIB so don't just want to save it as cash I can't decide what to do : 1. Go down the etf route with the taxes and...
www.askaboutmoney.com

Deja vu? What did you do last time you received this advice?
 
Corola said:

What to do with 1500 per month

Hi all I'm maxing pension and mortgage free and fortunately generating 1500 a month surplus cash and would like opinions on what to do with it. I have a high 5 figure lump sum in AIB so don't just want to save it as cash I can't decide what to do : 1. Go down the etf route with the taxes and...
www.askaboutmoney.com

Deja vu? What did you do last time you received this advice?
Click to expand...
Maybe offer advice instead of stalking ?
 
You ask the same question every few months and get the same answers each time. Plenty of advice in your previous threads.

What to do with 100k

Hi all I have 100k on deposit, no mortgage and maxing out my pension with 100% equities Is a buy to let the best place for my 100k? Thanks for any advice
www.askaboutmoney.com
 
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