But of background: 2 income couple good secure jobs. Early 30s - mortgage will be finished in less than 5 years. Pensions maxed out to limits for our age. Life insurance, income protection all sorted and have buffer of savings if very unexpected job loss.
After all the usual bills and childcare have excess savings and wondering how to invest. I know I could invest in shares but we are 100% invested in equities through our pensions with Zurich and Irish Life. Would investing outside a pension in equities/etfs ( I have read re tax treatments etc) be overload. The other option is buy a 3 bed semi in a location that we are familiar with for 200k. I do want to leave both my children with a house when I die as I believe life and building wealth will only get harder. Would I be better investing in a buy to let- I have also read a lot re tenant problems and am aware of all the ridiculous regulation that the Govt has brought in. I just know that by doing nothing I will lose money with inflation. Any thoughts welcome?
After all the usual bills and childcare have excess savings and wondering how to invest. I know I could invest in shares but we are 100% invested in equities through our pensions with Zurich and Irish Life. Would investing outside a pension in equities/etfs ( I have read re tax treatments etc) be overload. The other option is buy a 3 bed semi in a location that we are familiar with for 200k. I do want to leave both my children with a house when I die as I believe life and building wealth will only get harder. Would I be better investing in a buy to let- I have also read a lot re tenant problems and am aware of all the ridiculous regulation that the Govt has brought in. I just know that by doing nothing I will lose money with inflation. Any thoughts welcome?