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What’s the Best Way to Invest £50k in Property?

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    Investing £50k in Property

    If you’ve saved up or inherited 50k, you might be wondering: “What’s the best way to invest 50k?”

    On this page, you’ll find out multiple different ways you can invest 50k. You’ll also learn about the vital questions you should consider before investing. What we present in this guide is guidance only, presenting information about different ways to invest. It should not be used in place of financial advice.

    Keep reading to discover the following key takeaways:

    • Property investment is likely the best way to invest 50k.
    • It would help if you spoke to a financial advisor before deciding to invest money.
    • A savings account is the safest way to invest 50k.
    • You need to know your risk tolerance before deciding where to invest 50k.

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      How to Invest £50k Wisely

      Investing can be a fantastic way to set yourself up for the future and earn passive income along the way.

      However, it can be risky to invest all your 50k in one go.

      As such, you need to manage your risk and make sure you have a safety net.

      Before investing the £50k, you could consider:

      • Clearing any outstanding debts, such as credit cards, to ensure you’re starting your investment in the best place possible.
      • Put away some cash in case of emergencies into an easy-access savings account – around three to six months of your income (known as a cash buffer).
      • Use the money to help pay off your mortgage.

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      The Best Way to Invest £50k: Things to Think About

      If your financial situation is healthy, and you feel like now is the perfect time to invest 50k, then here are six key questions you should ask yourself before investing.

      1. What Are Your Financial Goals?

      Are you dreaming of early retirement? Do you want to buy your perfect family home? Or are fast sports cars more your thing?

      Whatever your goals, these will have a huge impact on exactly what type of investment you’re looking for.

      If you want more cash in your pocket, then an income-focused investment could be more your thing.

      On the other hand, those thinking of investing for retirement will be more suited to ventures with long-term growth.

      2. Are You a Short-Term or Long-Term Investor?

      Do you need your money soon, or are you willing to wait for decades for the ultimate cash payout?

      Helping decide your timeframe is important, as the longer you leave your money in an investment asset, the more your money will grow.

      Short-term investments are under the five-year mark, while longer-term investments can be 10 years or more.

      It’s important to note that shorter-term strategies often involve more risk, as investment markets are more likely to fluctuate in the short term.

      3. What is Your Risk Tolerance?

      Risk is a word that can cause any investor to shudder.

      But, understanding your attitude to risk is important for a successful investment.

      You need to ask yourself how much money you can afford to lose and how you would feel if you lost thousands overnight.

      Emotions can run high in an investment, and you don’t want to let them take over to make rash decisions.

      4. DIY or a Ready-Made Investment Portfolio?

      Do you have the chops needed to go it alone, or are you a beginner considering your first investment?

      Whatever you are, you have two options when it comes to investing money:

      1. DIY
      2. Ready-Made Investments

      DIY investing is when you go it alone. You’ll have complete control over what assets you choose to invest in.

      On the other hand, ready-made investments allow you to invest in investment portfolios provided by Robo-advisers that pick investments based on your risk tolerance.

      5. Should You Save or Invest?

      If you’ve just inherited 50k, you may feel compelled to invest as you’ve been told it’s the right thing to do.

      You aren’t alone in these thoughts either:

      A poll from The Times found that around 51.9% would invest a £50,000 windfall.

      However, this may not be the right decision for you.

      If you have a low-risk tolerance and want to keep your money as safe as possible, then putting your cash in a savings account may be the wiser choice.

      Although the rewards will be greater if you put your money into an appreciating asset like property, you should only invest at a time that you feel is right.

      If you have doubts about how you want to spend your money, be sure to seek out the support of a financial advisor to determine what’s the right decision for you and your needs.

      You can also read our blog post on saving vs investing for more insight to help you decide which route to take.

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      Where to Invest £50k

      Now that we’ve established the guidelines for investing £50,000, let’s explore the array of options available to allocate your funds wisely. These strategies encompass some of the most promising avenues for investing £50k today, including real estate.

      Each avenue carries its own risk and return profile, so it’s essential to conduct thorough research and consider consulting with a financial advisor before making any investment decisions.

      The following strategies are some of the best places you can invest £50k today:

      1. Property
      2. Savings Account

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        Investing £50k Into Property 

        Short-Term or Long-Term Strategy?: Both

        Risk: ★ ★ ★ ☆ ☆

        Return Potential: ★ ★ ★ ★ ★

        Likely the best investment for £50,000, property has quickly become one of the best asset classes in the UK.

        There are many different methods of investing in property, ranging from serviced accommodation to student property, but the most popular form is buy-to-let.

        Here’s the deal:

        By investing in property through buy-to-let, investors earn two forms of sizeable returns.

        1. Rent – Currently at a high average of £1,175 PCM, according to HomeLet.
        2. Capital Appreciation – The increase in value of the property over time. Over the last 12 months, property prices have increased by over 10%, according to the Land Registry.

        Want to know the best part?

        Thanks to good rental yield, this means that finding an investment property for sale can fulfil both short-term and long-term investment goals.

        It’s also safer than strategies like stocks, with property having a record-breaking year for house price growth in 2021 despite the COVID-19 pandemic.

        The only issue?

        Your returns can be taxed through income and capital gains tax, which can be sizeable if you own multiple properties.

        To minimise this, you could consider forming a limited company.

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        Investing £50k Into Savings Accounts

        Short-Term or Long-Term Strategy?: Long-Term

        Risk: ★ ☆ ☆ ☆ ☆
        Return Potential: ★ ★ ☆ ☆ ☆

        A high-interest savings account is a top choice if you want a less risky and more ‘safe’ place to put your money.

        Types of savings accounts to consider include:

        • Instant Access: An account where you can get instant access to your money anytime.
        • Notice Account: A form of savings account where you need to give notice before taking money.
        • Regular Saver: An account that requires you to save a set amount each month.
        • Fixed Bond: This account locks away your cash for a set period.

        Alternatively, you can also consider taxable investment accounts or a cash ISA.

        The latter acts as a tax wrapper, allowing you to earn tax-free returns, such as lifetime ISAs and stocks and shares ISAs.

        If you want to know how to invest 50k safely, it could potentially be worthwhile putting some money into savings accounts as your cash will typically be protected – up to £85,000 per bank as per the Financial Services Compensation Scheme.

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          What’s the Best Way to Invest £50,000?

          Now that we’ve looked at seven popular places to invest £50k, you might be wondering:

          What is the best investment for 50k?

          Sadly, the boring answer is that it depends.

          This is because there isn’t just money to factor into an investment.

          You also need to consider your age, tax bracket, marriage status, risk tolerance, and timescale.

          All of these factors can impact the right strategy for you.

          However, if you want the best midpoint, property investment may be the right choice for you.

          Not only does property perform well during times of uncertainty, but it can also deliver sizeable returns on a short-term and long-term basis.

          Real estate investment is likely for you if you want to know how to double 50k investments or secure the best return on a £50,000 investment.

          Consider Speaking to Financial Advisers

          If you decide to invest, it’s highly recommended that you speak to a financial advisor.

          By seeking independent financial advice, you can find what investment fits with your goals and can ensure you’re as ready for an investment as possible.


          Overall, the best way to invest 50k is likely property.

          Not only is property less risky than assets like stocks, but it also provides both short-term and long-term returns.

          However, the best way to invest 50k for you will entirely depend on your own investment goals.

          To discover what goals you have and how you can achieve them, it’s recommended you speak to a professional financial advisor.

          How to Build a £50k Property Portfolio With RWinvest Today

          We hope you’ve enjoyed our in-depth guide to the best way to invest £50k.

          If you’re ready to build a property portfolio, look no further than RWinvest.

          With over 18 years of experience as a property investment company, you can trust us to deliver the best investment opportunities in the UK.

          Whether you’re buying UK property from Liverpool or the USA, you can start building your portfolio with us today, with our off-plan properties available at up to 55% below market value.

          You can also find tenanted properties near Liverpool and Manchester, which offer some of the most exclusive opportunities currently on the buy-to-let market.

          We even offer free furniture packs on select properties, with exclusive deals and investments you won’t find anywhere else.

          We’ve just launched an incredible new investment opportunity in Manchester, with Embankment Exchange set to revolutionise the Greengate real estate market. Join 75,000 investors and invest in the best UK property has to offer.

          Have a higher investment budget available? Our guides on how to invest £75khow to invest £150k and how to invest £200k offer essential information that can help you avoid the biggest investing mistakes.

          Alternatively, if you have a slightly lower budget, check out our guide covering how to invest £30k.

          For the latest on property market developments, be sure to check out our blog, which includes everything from the latest rental yields to everything you need to know about energy efficiency.

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          Dale Barham

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          Dale is a property news and onsite content writer at RWinvest.

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