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Money Burning A Hole In Your Pocket? Check Out These Top Investment Ideas For 2015!

12 November 2014 No Comment

canstockphoto21061007Despite people being cautious about spending money these days, some folks have some spare cash to invest. The trouble is; those people aren’t too sure what they should be investing in!

If that sounds like you, the good news is you’ve come to the right place! In today’s blog post, I will give you a few ideas on some of 2015’s hottest investments. You could invest in these ideas right now if you wish.

But the holiday season will soon be upon us. So you will doubtless be thinking about preparing for Christmas! In other words, organizing presents for your nearest and dearest! Keep reading to find out how to make your money grow next year.

Precious metals

For centuries, people have bought stocks of precious metals to ride any economic tidal waves. They are a great long-term investment because you can buy them at a low price and sell for a big profit in the future.

The price of gold, for instance, has risen well for the past few decades and is an excellent investment choice. One can also invest in other precious metals like silver too. If you are planning to invest in precious metals, you will need somewhere safe and secure to store them.

A lot of investors tend to hold them in third-party, insured vaults for security reasons. Hiding them at home somewhere isn’t a good idea, especially if people know what you’ve got! Investors usually buy precious metals through a broker, although in rare cases one could buy direct.

Series I savings bonds

The US government allows individuals to invest in something called “Series I Savings Bonds.”

Series I savings bonds are a low-risk savings product. For the period that you own them, you earn interest and get protected from inflation. According to the Treasury Direct website, the current interest rate is 1.48%.

While that may seem a low rate of return, the trade-off is that protect you from high risk. That makes sense to people that aren’t willing to risk losing part or all their investments. The other benefit is that they are government-backed. Let’s face it; there is little chance of the United States government going bust anytime soon!

Technology companies

As part of your investment portfolio, you should consider buying some company shares. While that sounds like a good idea, how do you know which companies to invest in?

One of the most-popular forms of investment are shares in technology companies. There are millions of companies to choose from! Some folks might invest in up-and-coming startups. Whereas others may invest in established firms like Google or Microsoft for instance.

I recommend discussing this with a financial adviser. That way, you can choose companies that offer the greatest return but at the lowest risk.

It’s possible to manage your share investments yourself rather than using a third-party to do it for you. There are plenty of websites where you can buy and sell shares online from the comfort of your home whenever you wish.

When looking for companies to invest in, make sure that you study the company’s trading history. And research the latest news from them. The last thing you want to do is invest in a firm with a questionable history, or one where the value is plummeting!

Classic motorcycles

At this point, I am sure you are scratching your head at this suggestion! The truth is; classic motorcycles can make for lucrative investments – as long as you know what you’re doing!

If you have more than a passing interest in motorcycles, buying and restoring some classic motorcycles can be a good idea! To do this right, you will need to do a lot of research into the highest value models.

You’ll need to find sources of genuine original parts. Especially if the motorcycle manufacturer is no longer in business. The good news is that the task is easy thanks to the World Wide Web.

It goes without saying that you should have the right insurance cover for your investments. For instance, Triumph bike insurance from Carole Nash is suitable for classic Triumph motorcycles.

Property

Perhaps the most-obvious way to invest your money is in bricks and mortar. Everyone needs somewhere to live after all! Despite today’s economic climate, people are still buying and renting properties.

One obvious benefit to come from the economic downturn of the last decade is that property prices are lower than ever before. That means you don’t have to spend as much buying your investments.

There are a few things you can do with the properties you buy. The first is to renovate them and sell them on. It’s a process known as “flipping.” You might have even seen TV programs where people do this for a living.

Of course, there are no guarantees that you will always make a profit. Especially if the properties you buy need major renovation work. Another option open to you is renting. Some people cannot afford to buy a property, and so they would rather rent than have nowhere to live.

The key to buying properties to rent out is ensuring they are desirable. Apart from being in a good livable condition, they should be near to local amenities like schools and shopping malls. They should also have good public transport provision too.

Be sure to do plenty of research before making an offer on any properties. Tools like Google Maps will help you to find out what the local area is like. And the Street View facility can even give you a virtual guided tour of the area!

Peer-to-peer lending

The peer-to-peer lending market has exploded over recent years! In a nutshell, you can earn a good rate of interest by lending your money to other people. The interest rates are often higher than the best savings products on the market.

You get to decide what level of risk you are happy with, and your loan gets repaid back to you on a monthly basis.

I hope this investment guide has been useful to you today. Until next time…!

 

 

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