Where is the best place to invest for a good return !! Max of £10k?

In investing, you always have to balance risk with reward.

At the moment, you have low risk generally, and the very small chance of a large prize.

There are risks with everything, though - if there is high inflation in the future, but interest rates are kept low ( and so the prize fund remains low ), you will effectively lose money in Premium Bonds, because your money will not go as far once there has been inflation.

Protecting against inflation can be difficult too. If you buy a specifically inflation-linked product, you will almost certainly get a low return after inflation has been allowed for.

If you go for a risky investment, you could lose half or more of your money!

The effect of the Bank of England keeping interest rates low, is to help indebted borrowers, and to encourage others to make more risky investments, or to buy houses.

There was an article in the Financial Times on December 9th:

Financial Times: Why we have to live with low interest rates

by Martin Wolf

you might find it online or at a library.

Some financial advisers will be getting commision from their recommendations, so they might not act in your best interest! Also, how much analysis of the markets do they do? You should check that.

It is a difficult question you have, and even more difficult in the current environment of government intervention in the markets since the financial crisis.

You could read this:

FT Money: Inflation will be back. Get ready... or maybe don’t

By David Stevenson

http://www.ft.com/cms/s/2/2faddb20-d309-11df-9ae9-...

Generally, you could buy the Financial Times at the weeked, or read it in a library. The FT Money section at the weekend generally has some discussion about possible investments.

At the end of the day, you have to make your own decision, and what I have said may not be at all suitable for you. You will need to evaluate all this for yourself to decide what is suitable for you, based on facts your are comfortable with yourself. I am not a financial adviser, and please do not take this as financial advice.

So..

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Best

It takes a long time to learn the stock market and for someone that wants to start investing in the market needs to decide what risk level he wants to take. CDs backed up by the government has about 3-4% annual return for the long term with a low risk. Bonds or Bonds Funds has about 5-7% annual return for the long term with a medium risk. Stocks or Stock Mutual Funds has about 8-10% annual return for the long term with a high risk and are more volatile than Bonds. Usually the more risk you take, the more return you will have, but not always. To see the Return vs Risk go to: http://oi51.tinypic.com/2l8atxh.jpg If you can't see the Return vs Risk table, let me know and I will send it another way. The stock market is basally made up of stocks and bonds. Investment managers pick a group of stocks to make a mutual fund or a group of bonds to make a bond fund. They even put a mixture of stocks and bonds together and call it Growth & Income Fund.

1- Mutual Funds: I like mutual funds because they have a group of stocks, could be around 100+, invested in different sectors, and manage by a professional. Managers have lots of schooling for investing in stocks, around 8 years (I just barely finish high school and I type with one finger). So I think managers can pick stocks better than me. But what I don't like is the fact that most funds has trading restricting and you may not be able to trade more than 4 times a year. That's because it makes it hard for the fund to make a good return if there is to much trading in the fund, causing the fund manager to make more buys and sells. Mutual funds are meant for long term investors.

2- Stocks: Stocks is more volatile than funds unless you spread you money in about ten different sectors and know witch sector will do best. And stock trading restricting is only a few days and that's something that I like. If you own stocks, you need to keep up with all the company's business so you don't get stuck with a bad stock.

3- ETFs (Exchange Traded Funds): ETFs are like a mutual fund but trades like a stock and that is my main reason why I like ETFs. There are some ETFs that represents Index's. An Index is like S&P or DOW. Index's operate just like a mutual fund with a group of stocks in deferent sectors, manage by professionals. You can't buy Index's because they are not for sell. A company owns them. But you can buy a mutual funds or an ETF that has the same stocks as the Index they represent. There are a lots of different kinds of ETFs for someone to choose from. Some have 1x leverage, some have 2x leverage, and some has 3x leverage. There are some that represent almost every kind of sector.

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