bonds look very unappealing. There definitely will be a correction at some point but it's impossible to say when and if you don't need to sell it's effectively irrelevant to you.
Excluding property, there aren't many attractive investment options at the moment other than stocks, bonds look very unappealing. There definitely will be a correction at some point but it's impossible to say when and if you don't need to sell it's effectively irrelevant to you. How much of this €200k won't be needed in the next few years?
Hello,
I think (Irish) equities are the answer for you - select well established and well regarded value shares and you should not go far wrong.
While there is a risk of the values falling in the future, there is also a chance of the values increasing. Market corrections are one thing, but successful, profitable, established businesses trading in growing economies and in a low interest rate environment cannot be ignored. Most value shares are fairly stable, and pay dividends, so would meet your "low-medium risk" profile.
Ultimately, the value only matters if and when it's time to sell, so once you diversify your holding and think it's unlikely that you will need to sell a large percentage (or all of the shares) at short notice, then you should be okay in terms of the overall risk you have taken on.
Also, don't forget, equities can be sold immediately (subject to price), property or other asset classes can take time to sell, so may not suit if you think that some day you may need cash in a hurry !
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Thanks for the reply. As a matter of interest why do you think Irish equities as opposed to international?
so I would like more diversification than just a split between Irish property and Irish equities, but then we quickly get into a debate about the level of risk being taken on once we start that discussion.
As well intentioned as people are, you shouldn't be taking advice from nameless people on any website including AAM if you are looking to invest 100k. There are many good independent financial advisors, some of whom contribute to this site who I am sure would be delighted to help. If a financial advisor can't explain a product that they want you to invest in in such a such a way that you can understand, then you are right to walk away.
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