Investing R100k

[ice_cubes]

Please disclose full details of said giver. I have a letter to write

Sadly she passed away (step mom) & I was fortunate enough to be in her will

 

[ice_cubes]

If you're averse to risk, you could do worse than putting it into RSA Retail Bonds. The brokers and financial advisers never mention it because they make nothing. Simply register on their website, EFT the funds to National Treasury, and voila, you're invested. Very simple. Last I looked the fixed interest 5y bond was paying 8.25%. There's an inflation-linked option, too.

Edit: Here's their website https://secure.rsaretailbonds.gov.za/

I will look itno this as well.

What I forgot to mention, I dont want to be actively involved in "watching the money grow" and re-investing it and moving it around all over the place. Just want something where I can throw the money into and "forget" about it for the next decade. I have a tendency to go shopping on impluse (clearance sales are my weakness) , so the less I see the money, the better.

 

[ice_cubes]

I shall pm you my bank account details. I will look after it for you... Promise..

no problem, send your credit card over in the meantime... I will keep it very, very, very safe

 

[OGroteKoning]

Sadly she passed away (step mom) & I was fortunate enough to be in her will

Sorry about your loss

 

[ice_cubes]

thanks

 

[KleinBoontjie]

I got a 18% growth via ETF (FNB Share Saver), that in 10 months time. I'm planning on leaving it for 10 years too. Just remember, if you go this way, it's medium risk. Risk is spread over 100 companies.

EDIT: Even look at Satrix 40, another ETF.

 

[Ocali]

OP, what was your final decisions with the 100k??

 

[Garson007]

You can't go better than retail bonds for predictable returns. However, unless we suddenly turn in to Japan, an ETF will net you a lot more - 95% of the time.

 

[koeksGHT]

Medium/high risk portfolio through my investment broker with Allan Gray/Coronation split is about 16-18% roughly over 5 years.

100k becomes about ~250k



Source - EFTd liberty last week.

 

[froot]

Medium/high risk portfolio through my investment broker with Allan Gray/Coronation split is about 16-18% roughly over 5 years.

100k becomes about ~250k



Source - EFTd liberty last week.

Sounds about right.

Did a quick calc on what I am getting with my investments, dropped it a bit for bad months, and adding 20% of capital per year, and it would change R100k into R540k over 5 years. Although take out the capital input and it would end on R300k.
I don't have stats on my investments off-hand other than this past year, but from April to today I've had a capital gain of just over 10% - 27%PA.

 

[airborne]

Is the returns on all these ETF investments compounded, yearly probably if so?

 

[Sinbad]

Is the returns on all these ETF investments compounded, yearly probably if so?

They're like shares. The units increase in value (or decrease) . Dividends paid by the underlying equities are reinvested.

 

[ice_cubes]

OP, what was your final decisions with the 100k??

I decided to reduce my bond rather