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To Save Or To Invest? That Is The Question

If you are in the fortunate position of being in a buoyant financial situation with a steady wage, a small mortgage, minimal debt and a healthy nest egg, you might be wondering how best to make your money work for you more aggressively. You’re not keen on risking it all in some lucrative high stakes poker game, but at the same time, you don’t want to spend time sitting on your hands as you watch the money in your savings account accruing minimal interest. Amateur investors all over the world are becoming more savvy when it comes to sourcing avenues down which to put their funds.

In the twenty-first century, the Internet has made the financial world a smaller and less scary place for people with a decent amount of disposable income. Nowadays all you have to do is ask Siri if you want tips about how to get into Forex trading or you need to know how the property market is looking for the next five years in your local area. Take a look at how you can make your money work in a more effective way for you.

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Bricks and mortar have been the lifeblood of amateur property investors everywhere. There are a number of strategies that you may wish to employ if you fancy taking a little foray into the housing market. Firstly, you must ensure that your numbers stack up. Sure, you have a hefty deposit but have you worked out renovation costs, rental yields and mortgage repayments? Do you have a sound financial objective and do you know how long you want to keep the property?

Many people choose to ‘flip’ a dwelling. They go to a local auction, purchase a home, venture inside and see it hasn’t been lived in for a decade, strip it, fill it with new fixtures and fittings, give it a lick of paint, sell it, and make a handsome profit, all in the space of three months. That’s the dream plan anyway. More often than not, renovations take longer, all sorts of problems can be uncovered along the way, and you are left going over budget. However, if your calculations are astute and you have a well thought out contingency you can make a success of this form of short-term investment property developing.

Alternatively, you might be looking for a longer term investment. By renting out a property, you can cover your mortgage repayments with the rent you achieve. If you are fortunate to have near full occupancy while you own the property, you will have very little financial outgoings and could see your asset increase in value. You need to make sure you stick to landlord legislation and treat your tenants fairly. If you are not letting out your property because you cannot find a tenant or you are doing some renovations, you need to make sure that you can cover the mortgage in the meantime. You may even choose more than one extra property to add to your investment portfolio. By entering into the property developer world, you could see a much more lucrative return on your cash than if you left your nest egg to languish in a savings account.

Stocks And Shares

While the NASDAQ and Dow Jones stock markets were once the domain of the wealthy, the professional investment bankers and the hedge fund managers, novice would-be investors are now trying their luck. While it’s not as simple as heading to the stock exchange after doing your research and trying to buy some shares, there are avenues to explore if you want to get a piece of the action.

Make sure you go through a qualified financial professional with a good reputation for looking after investments. This could be a hedge fund manager, an online stockbroker or a financial adviser. These are the people who can invest your money on your behalf as well as giving you relevant financial advice. Ensure that you opt for a broker who utilizes a FIX engine protocol so that transactions can be completed swiftly and securely online rather than over the telephone. Together with your broker, you can formulate a short term or long term plan based on the amount of risk you wish to take on. The more risk you take on, the more money you stand to make, but also the more you have to lose. If you are planning for your future, follow a low to mid risk option to try and mitigate the possibility of financial losses.


If you’ve never thought about ploughing your money into alcohol, now might be the time to take a closer look. Investing in wine doesn’t mean heading to the local vineyard, sampling a few grape varieties and then taking a case home. Instead, you should be looking a vintage wine from the finest vineyards across the globe. Chardonnays from South Africa, Rieslings from Germany and Beaujolais from France all have specific years where the quality of the grape was outstanding. Being a quality vintage year means that wine becomes collectable. By investing your money in a couple of cases and storing it in a central facility, you are in effect, investing in an antique of the future. As the wine becomes rarer, the value increases. As a long-term investment, you will see a greater return on your nest egg than if you left it in your savings account.

Investing money down a new avenue can be exciting, exhilarating and thrilling. However, it’s also daunting and not for the faint-hearted. You mustn’t opt for just one means of investment, and instead, you need to hedge your bets. Spreading your investment means spreading the risk. An ideal investment portfolio may consist of a buy to let property, a case of wine, a few low-risk share options and a nugget of a nest egg remaining in the highest interest savings account you can source. By investing wisely now, you can secure a healthy financial future for your twilight years.

Published inkewlMoney

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