100k & 10 years... What Would You Do?

I’d do two properties definitely. Less than 50k each property to do deposit, stamp solicitors etc. Mortgage cost £200 a month, rental income £800ish. Then tax etc, insurance. Do that 10years, if say houses went up 10% in 10years, plus the rental incomes works out nicely :-).


Agree @Coolsmp Crypto is the future, for me 50/50 Ether/BTC

Or 65/35 Ether/BTC as I feel Ether is likely to make greater gains over the next ten years

1 Like

Places like Brighton are discussing a seconds homes ban, so not sure how that might affect the ability to buy to let? I guess the more lucrative areas are out of reach with only £100k so would not matter, but other counties may be looking in this direction?

1 Like

Be interesting to see how that would be implemented. People may just set up ltd companies. I’m still having no problems buying properties tho :-). Anything near a raf base does good returns too. Will always be a need for landlords as not everyone will be able to purchase properties unfortunately. the Brighton ban they are discussing is only on new builds I believe.

1 Like

Yes highly speculative portfolio. Desktop Metal alone dropped 71% last year and is the subject of a class action suit. A minor google search reveals more.

1 Like

Personally, everyone that I know that has invested in houses in the way you suggest (and have done) has done well.


Yes. A not too deep google search reveals multiple risks.

Only one off that list i belive will do well is berkshire grey

Here’s hoping. Going ok so far. Only two years or so in and soon to be three properties.

1 Like

I wouldn’t be shocked if people get so P$£%ed off with landlords forcing the housing market upwards that we end up with a government campaigning on making major changes to stop people profiting as they do in the next 10 years or so. It just is not sustainable to carry on rising as it is and would be a vote winner to many and also not for those who own the houses…

And now people are working from home it is getting ridiculous in many places where it was cheap before. Not easy to implement but housing prices should not be controlled by people with more money leaving the poor in a impossible position. I know in Bristol so many landlords are disgraceful in how they treat tenants.

Nothing against good landlords making money at all they are only playing the rules of the game so fair play but it is pretty crap we live in a country where having a roof over your head costs so much due to people making money on the limited housing stock.


I think the government will step in and continue to regulate landlords more. Which is how it should be tbh. There is a talk of a landlord register, they have already implemented eicrs and are building towards higher and higher ratings for EPC. Also minimum sizes for bedrooms for HMOs as well. Going in the right direction so people don’t use it as a money spinner but more of a regulated business. As it should be.


When the minimum EPC rating of C come into force around 2024/2025 tents will sky rocket. If you remove a Victorian property and many 60/70 era storage heater property there won’t be the supply required. Many of these properties cannot make a grade C.

Well meaning regulation results in people who can afford to buy having to live in drafty inefficient properties because all the efficient ones are brought / held by landlords for tenants.


Just have to see how it goes. At the minute you need to spend £3k plus I believe to be entitled to a temporary exception. I suspect and hope the environmental improvements will be coming down in price. I have an older electric only property and it’s almost to a c now. Just need to install the solar panels and the solar hot water tank. Some are impossible to get better but some are just expensive. But all worth it to improve people’s life’s in my opinion. I’m looking into the external insulation for another one of my older properties now

1 Like

Hi, @bitflip

  1. Desktop metal is the biggest position in my portfolio. And I try to study the company and 3D printing industry as whole.

  2. Your desktop metal numbers are wrong. Desktop metal is down 85%. All long term desktop metal shareholders now the pain, and the P-50 printer delays.

  3. I haven’t sold one single desktop metal share/stock. Matter of fact, I have been busy averaging down to $7.34 per share

  4. I believe Desktop metal is telling the truth. There’s no reason for listed company to lie to shareholders. Ric fulop is a former CEO and co-founder of listed company A123 systems. Today Chinese ev companies and TESLA use the lithium iron phosphate chemistry A123 system Pioneered. Fulop is no dumb lying CEO

  5. I Google search desktop metal news on daily and nightly basis. Night’s desktop metal latest new is Blood-sucking law firm named “the Rosen law firm” — seeking " Desktop Metal, Inc. Investors with Losses Exceeding $100K to Secure Counsel Before Important February 22 Deadline in Securities Class Action*. See: ROSEN, GLOBAL INVESTOR COUNSEL, Encourages Desktop Metal,

You are right my figure of 71% was wrong it should be 71.22 %. The price(s) that I used was a drop from $17.2 (31 Dec 2020) to $ 4.95 (31 Dec 2021) .

The topic here is 100K & 10 years - as I said for me the mentioned portfolio is highly risky. That doesn’t mean that others shouldn’t go with it - that is their business.

1 Like

Impossible to answer without knowing how much you want to grow the pot to… if it’s £200k then the strategy would be a lot different to £500k or £1m.

One things certain though, if you can’t make any additions then capital preservation is critical. So anything with a debt heavy balance sheet or massive cash burn would be a no go.


I think the clue was in the title, it is what would you do. I thought she was asking what peoples approach would be. :+1: Adventurous? conservative? Gambler? etc.


Wow and I thought the housing crisis was bad now :wink:

1 Like

I have to be honest, i would be doubling the 100k within a short period, then look at longer term investments.

Currently i would invest in oil and therefore my number one choice would be 88 Energy and Pantheon. I also like Zephyr Energy which has some good potential

1 Like

Ok, some interesting answers so far…

Conservative Funds/Bonds

Stocks / Medium Risk

Stocks / High Risk



Though no one has mentioned ensuring the money is placed in a SIPP as yet, which would increase the value to £125k … :grinning: