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What’s the Best Way to Invest 100k in 2024?

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      7 Smart Ways to Invest £100,000 in the UK for Income and Growth

      Whether you’ve inherited a cash windfall or have some money to spare, you might be wondering:

      What’s the best way to invest 100k in 2024?

      In this guide, you’ll learn about seven of the best ways to invest 100k for income and capital growth in the UK. This guidance is general information about different methods of investing, and if you want specific advice, talk to a financial advisor.

      Sound good? Then let’s get into it:

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      How to Invest 100k UK

      Investing can be complicated, but that shouldn’t stop you.

      Through investing, you can use your cash to make even more money and (ideally) become financially independent if you play your cards right.

      Whether you’ve inherited a cash windfall or have some money to spare, you might be wondering:

      What’s the best way to invest 100k in 2024?

      In this guide, you’ll learn about seven of the best ways to invest 100k for income and capital growth in the UK.

      Sound good? Then let’s get into it:

      But before we get started, there is some jargon that you’ll need to familiarise yourself with.

      1. Asset – An asset is something of value that can be used to convert to cash. It can also be used to generate regular income.
      2. Investment vehicle – Another name for an asset, investment vehicles are a place to put your money to help earn more.
      3. Tax Wrapper – An account or asset that wraps around your investment to protect it from taxes.

      You also need to consider whether you want to invest for income or growth.

      Income will put more money in your bank accounts each month, while growth means you’ll need to wait for the long-term before selling your asset for a big cash payout.

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      Where to Invest 100k in 2024

      With more people than ever starting to invest in different assets to build an income, investing correctly can ensure the health of your financial future for decades to come.

      But how should you invest your 100k to get the returns you want? How should you invest 100k today?

      Below, you will find seven of the best ways to invest 100k in 2024 for income and capital growth.

      Where to invest 100k? Check out the best strategies below:

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        Buy-to-Let Residential Property

        Return Potential:  ★ ★ ★ ★ ★  

        Risk:  ★ ★ ★ ☆ ☆ 

        Likely the most popular asset class for investors in 2024, property is one of the safest (and best) ways to invest 100k in the UK.

        Ideal for both income and capital growth investors, you can earn returns from buy-to-let property in two main ways:

        1. Rent: Income earned every month and paid by the property’s tenant—currently an average of £1283 per month in the UK.
        2. Capital Growth: The increase in a property’s value over time.

        The UK property market exploded in 2021, with record-breaking house price and rental income growth despite the Covid-19 pandemic.

        This has filled many investors with the confidence to add a property to their investment portfolio, with real estate known to perform well during times of uncertainty.

        Just keep in mind that property is not a liquid asset, which means you can’t quickly sell to see investment returns like stocks or bonds.

        Likewise, real estate can get expensive, with a current average property price of £270,708, according to the Land Registry.

        However, if you have the cash needed for a mortgage deposit and are asking how to invest 100k safely, property could be a top choice in 2024.

        Please read our complete guide to buy to let property to learn more or the best areas to invest in 2024

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        Short-term Lets

        Return Potential:  ★ ★ ★ ★ ☆

        Risk:  ★ ★ ★ ☆ ☆

        If you can handle the seasonal fluctuations, short-term lets can be one of the best ways to earn huge returns in 2024.

        Able to earn you both rental income and capital growth, short-term lets are when investors purchase a property for the purpose of renting it out on a short-term basis for holiday-makers or people who travel for work.

        By doing this, investors can earn much more than a standard residential buy-to-let during certain seasons, provided the property is in a prime short-let location.

        However, research is required to fully take advantage of the seasonal high points and minimise the void periods.

        Question is:

        How do I invest in short-lets and earn regular income?

        Well, investors will need to purposefully invest in a lucrative area that is attractive to travellers to increase their short-term profits and generate a monthly income stream.

        However, even in the best areas for short-letting, it is possible that there will be times when the investment doesn’t perform as well as usual.

        As such, for those asking for the best way to invest 100k safely, short-lets may not be for you as it can perform less well during times of uncertainty – something seen predominantly throughout the COVID-19 pandemic.

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          Student Accommodation 

          Return Potential: ★ ★ ★ ★ ☆

          Risk: ★ ★ ★ ☆ ☆

          If you want to know how to invest £100,000 safely with minimal risk, you could consider putting money into student accommodation.

          Types of student accommodation you can consider are:

          • Purpose-built student accommodation – modern flats built with students in mind.
          • HMOs – Houses of multiple occupancy.
          • Private student accommodation – flats and houses converted for students.

          Student accommodation offers secure strong income streams, as there will always be demand from new students every year. The property will also grow in value over time for when you plan to sell in the future.

          Want to know the best part?

          Investing in student accommodation can offer investors better returns than standard residential buy-to-let as rental yields can be much higher.

          Manhattan Apartments 

          Return Potential: ★ ★ ★ ★ ☆ 

          Risk: ★ ★ ★ ☆ ☆

          Want to know how to invest 100k today? Maybe Manhattan apartments are the answer.

          Not to be confused with one-bedroom apartments, Manhattans are studios with secluded bedrooms.

          Manhattan apartments are seen as a decent alternative to other property investments as they have distinct advantages.

          For starters, as they are smaller than other apartments, they are more affordable to invest in and more energy efficient.

          However:

          These apartments can be a double-edged sword, as it will likely limit the overall return you can get compared to buying a larger property.

          You can buy a Manhattan apartment at a much lower price point, so they are worth putting some money into, but may not be the best answer for how to invest 100k cash.

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            Off-Plan Property

            Return Potential:  ★ ★ ★ ★ ☆ 

            Risk:   ★ ★ ★ ★ ☆

            An alternative to buying an older property, off-plan property allows investors to be involved from the start of a new build and sees investors directly invest in a brand new property.

            The benefit of this is that you will likely see better returns as you can make profits on capital appreciation before the property is fully built.

            You can invest in off-plan via property investment companies that work alongside the developers.

            Off-plan opportunities include unique advantages such as:

            • Payment plans
            • Luxury facilities
            • Assured yields and rental income

            Sounds good, right? But what’s the catch?

            Well, while instant gains can be made through capital appreciation, it will take a certain amount of time before rental income can be received. This varies depending on the project.

            For this reason, investing all of your 100k into this asset may not be for everyone.

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              Buy-to-Sell Property 

              Return Potential:  ★ ★ ★ ★ ☆

              Risk:  ★ ★ ★ ★☆

              While not offering much in the way of monthly income, buy-to-sell is an exciting asset for capital growth investors.

              Buy-to-sell refers to buying a property for the purpose of selling it as soon as possible, as opposed to renting it out for a long period of time.

              In other words:

              Investors will purchase a property, and then make improvements, and let it grow in value.

              In the past, property investors have made massive returns using this strategy.

              So, what’s the catch?

              It’s risky.

              This strategy depends highly on the current state of the UK property market. The market has shown long-term stability, and big returns have been made in the past, but it has been subdued in recent years, and many investors have turned to buy-to-let as a more lucrative strategy.

              Naturally, if you’re looking at how to invest 100k safely, this is not the option for you.

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              Eco Property 

              Return Potential:  ★ ★ ★ ★ ★

              Risk:  ★ ★ ★ ★☆

              Are you looking to avoid risk in the future? Want to know how to protect your property investment from costly upgrades?

              Then investing in energy-efficient property is the way to go.

              Eco property, otherwise known as green or sustainable property, is a way to ensure you won’t be hit with unexpected costs in the future.

              For those who don’t want to worry about changes to legislation surrounding EPCs, eco properties allow investors to avoid one of the biggest anxieties that investors face today.

              The eco property then acts as a future-proofing measure and will ensure the investment stays in demand and high value until you decide to sell up.

              There are two types of energy-efficient strategies for investment:

              • Eco Property: These are new builds designed with energy efficiency in mind from the start. This is the best way to future-proof a property investment, as it will have cutting-edge technology built in. It’s better suited for bigger budgets but will save money in the long run.
              • Energy Efficient Upgrades: An older property can also be upgraded with new technology to hit government targets. This is better suited for smaller budgets as cheaper upgrades can be made, but it would be very expensive and difficult to bring it up to the standard of an eco property.

              Via eco properties, you can observe various impressive features, including solar panels, air source heat pumps, rainwater recycling, heat recovery, and even central business management systems.

              Not only will you get regular income, but eco properties are a good strategy if you have one eye on the future.

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                What Is the Best Investment for £100,000? 

                So, what’s the best investment for 100k?

                Like most questions of this nature, the answer is always the same:

                It depends.

                Investments are a personal choice, and it will entirely depend on your goals for the best way to invest £100k.

                If you’re willing to risk your cash for the best chance of quick returns, buy-to-sell could be ideal.

                However, for the best midpoint, buy-to-let rental property could likely be the best way to invest 100k in the UK.

                By investing 100k in real estate, you can get access to regular rental income each month while also enjoying considerable returns in the future through capital growth.

                And don’t just let the price put you off.

                There are ways to reduce the entry price of a property by making an off-plan property investment.

                However:

                Your income can be taxed through income tax and capital gains tax, although some tax relief is available.

                If in doubt, speak to a financial advisor to see if real estate investment is the right choice for you.

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                  What Are the Best Things to Do With £100,000?

                  Seek Independent Financial Advice

                  Before you invest money and set your financial goals, speaking to a financial advisor is always a good idea.

                  Investments can be far more complex than just the money you need, as your personal or financial circumstances can impact what sort of investment is right for you.

                  Your age, tax bracket, marriage status, attitude to investment risk, and investment timescale can all come into play.

                  By talking to an expert, you’ll be able to explore these options and settle on the right asset for you.

                  This is how you invest 100k wisely.

                  Consider Active or Passive Investing

                  Depending on how much free time you have available, you may need to decide whether you should actively or passively invest.

                  • Active investing is when investors take a more hands-on approach. This can include becoming a landlord.
                  • Passive investing is when investors take a back seat and wait for long-term growth.

                  There’s no correct answer here, and it will likely depend on your confidence and skillset whether you choose to invest actively.

                  You may also find that traditionally “active” strategies can be passive.

                  For instance, you can invest in property managed by a property investment company.

                  They will take care of the day-to-day and use their expert experience to determine the best opportunities and help ensure the property is tenanted.

                  In property terms, this could mean buying a rental property and using a property management company to handle all landlord duties.

                  (This is key if you’re asking how to invest 100k for passive income, as you’ll want a hands-off investment).

                  Understand Your Risk Appetite

                  When deciding how to invest your 100k, you need to consider how much risk you’re willing to take.

                  Unfortunately, every investment comes with risk, and there’s no way to get a guaranteed income stream, as things can go wrong.

                  But some strategies come with more risk than others.

                  The trade-off is that the riskier an investment, the higher the potential for returns. Property investment is a good way to minimise risk whilst still maximising returns.

                  How to Invest 100k Safely

                  Where’s the best place to safely invest 100k?

                  You have a few options if you want to manage risk and keep your 100k investment as safe as possible.

                  Likely, the safest asset class is real estate, as it very rarely gets impacted by short-term fluctuations – take the Covid-19 pandemic, for instance.

                  Diversify Your Investment Portfolio

                  While having 100k in your back pocket might give you the confidence to splash the cash on a big purchase, most investors find a diversified portfolio the best way to invest 100k.

                  Creating a diversified portfolio means investing in several different investment markets.

                  Someone with 100k could choose a property investment strategy while putting some cash into a savings account.

                  By doing this, you’ll limit the impact of one of your investments performing poorly.

                  As the saying goes:

                  Don’t put all your eggs in one basket.

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                  Conclusion

                  We hope you’ve enjoyed our guide to the best way to invest 100k in 2024, it may not be written by Martin Lewis, however we have tried to include as many tips and facts as we can.

                  If you’re looking for the best investment for 100k or where to invest 100k in the UK in 2024, then property investment is likely the best choice for you.

                  It offers a less risky investment than other strategies while providing higher returns.

                  However, be sure to diversify your portfolio and avoid putting all your eggs in one basket. It would help if you also spoke to a financial advisor to get advice on the best thing you can do with your 100k.

                  Invest 100k With RWinvest Today 

                  RWinvest is an award-winning property investment company with 18 years of experience in residential and student property.

                  We currently have investments in Manchester, with only £38,950 needed today.

                  If you have the cash available and want to invest in a reliable and trusted asset class, then check out Embankment Exchange – the all-new Manchester residential apartments offering 6% returns.

                  Alternatively, if you want to read more about investing, RWinvest is the perfect place to learn.

                  Take a look at some of our articles below:

                   

                  Buy-to-Let Investment Guide

                  Want to become a successful buy-to-let investor? Get our free investment guide today for all the latest tips!

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                  Liverpool Investment Guide

                  Invest in the UK's most popular property market. Check out the ultimate Liverpool Investment Guide 2024!

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                  Everything You Need to Know About Property Investment

                  As a beginner property investor, there are many things you need to know about. Researching the different tips and pieces of investment advice is essential when getting started.

                  If you’re interested in putting your hard-earned money towards an investment in property, learn some much-needed information with our ultimate guide to property investment.

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                  Author

                  Reece Pape

                  Reece Pape is a property writer at RWinvest. Reece is passionate about keeping property investors updated on must-have information and housing market news, utilising the latest property market statistics and data.

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