Author Topic: 500k to invest and hoping retirement in ten years...ideas?  (Read 885 times)

bthewalls

  • 5 O'Clock Shadow
  • *
  • Posts: 85
500k to invest and hoping retirement in ten years...ideas?
« on: August 25, 2019, 04:31:29 PM »
Hi folks
Iím trying to gather some ideas from experienced investors.

Iím going to invest 500k sterling shortly (house sale). Iíll be mortgage free and loan free too.

Given all this talk of recession,  whatís best option for 10 to 12 year investment? Vanguard
wrl?....ideally Iíd want 15 years to ride out more blips in economy but prefer not to.

Baz


RWD

  • Magnum Stache
  • ******
  • Posts: 3920
  • Location: Mississippi
Re: 500k to invest and hoping retirement in ten years...ideas?
« Reply #1 on: August 25, 2019, 04:54:03 PM »
You're not suddenly going to pull out all your money when you retire, right? So your time in the market will be significantly longer than 10-12 years. Choose an asset allocation that lets you sleep at night.

Do you have any other investments besides this upcoming 500k?

nsmall

  • Stubble
  • **
  • Posts: 103
Re: 500k to invest and hoping retirement in ten years...ideas?
« Reply #2 on: August 25, 2019, 10:44:45 PM »
Whats vanguard wrl?

Thanks

powskier

  • Bristles
  • ***
  • Posts: 373
Re: 500k to invest and hoping retirement in ten years...ideas?
« Reply #3 on: August 25, 2019, 11:15:30 PM »
Mortgage free and loan free but what will your expenses be?

bthewalls

  • 5 O'Clock Shadow
  • *
  • Posts: 85
Re: 500k to invest and hoping retirement in ten years...ideas?
« Reply #4 on: August 26, 2019, 08:45:40 AM »
no, not going to pull it out at all...was hoping to build it to at least 1mill and take 4% max per year. after that I'll wrap it in a trust for the kids. but 10 years is too short to turn 500k into 1mill, especially with a slow down forecast after 10 years bull market (lets be real).  I'll add annually to the pot what I can, to get increased compounding.

annual expenses are low. mortgage free at that point. living costs not a problem.

Vanguard-https://www.vanguardinvestor.co.uk/investments/vanguard-ftse-all-world-ucits-etf-usd-distributing (its pretty much vusa but with global spread rather than just us)

What would be the sensible options?