Investment Appraisal

Apr 25, 2006 10 Replies

Over the years I have made some investments and savings:



  1. £12,500 M&S Investment unit trusts
  2. 20,000 shares in Arm Holdings @ £1.33 equating to £26,600
  3. 2,000 shares in Sage @ £2.65 equating to £5,300
  4. £9,000 cash in a saving account
  5. ,000 travellers cheques equating to £2,800

Can anyone advise me what the best options are for me in terms of alternative etc??? I would like to retire in a few years and thinking about moving into a more expensive house. What financial considerations (principles) do I need to be aware of to make an appropriate choice from my possible alternatives????



Thanks



About a year ago I took travellers cheques to France and had to bring them back again, because nowhere - not even the banks - would accept them.

Might I suggest that this homework is a little out of date; weren't you supposed to hand it in in 1970?

So you have half of your total wealth in one company's shares.

Ouch, you need to diversify.

So you have half of your total wealth in one company's shares.

Ouch, you need to diversify.

I share Troy's suspicion that this is a homework question, but I will bite anyway.

You have a lot of your money in Arm and Sage shares. Both are pretty high risk and you want to diversify out of there.

You also have some money in a non-interest bearing foreign currency investment, the travellers cheques. This isn't a good idea.

And approaching retirement, depending on your pension arrangements, it is advisable to put more of your savings into dank savings accounts, especially aconsidering the fact that your holdings are both in hi-tech companies. There's not enough money there to buy a house, and you'd find it difficult to get a mortgage for a reasonable term of years.

Tiddy Ogg.

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It's interesting working out what course this guy is doing from this and previous posts -

Any idea ?

Daytona

You've got to use the resources available to you boys

Cheers

But if you rely on the opinions of all the losers who lurk around usenet, you'll come unstuck. How do you know that I know what I'm talking about?

Tiddy Ogg.

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Err 60% of households have access to the internet, it's not an exclusive club. So which course are you doing ?

Daytona

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Cash it all in split the total value into oil / gold/ big miners. and keep your fingers crossed

B

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