View
UK
Properties

What’s the Best Way to Invest £50k for the Best Return on Investment?

If you have a £50k budget available, investing is a great idea as it allows you to maximise your income and give your savings accounts a boost. Read our guide on how to invest £50k and make sure you’re putting your money to good use!

Best Way to Invest 50k

When it comes to investing your money, setting a budget is one of the most important elements of all investment strategies.

If you have £50,000 to spare, you’re in an excellent position to get into investing. £50,000 is a lot of money, but it can vanish before you know it if you don’t plan ahead.

To make the most of this amount of money, you should explore different strategies to find the best investment method.

Two of the most popular investment assets are stocks and shares and property, but to get the best return on £50,000 investment, what is the best strategy to choose?

In this helpful beginner’s guide, we talk you through the best way to invest £50,000. Here, we’ll list the pros and cons of the different types of investments, offer tips on finding the best investments for £50k, and helping you work out how to invest 50k for the best possible return on investment.

Read this guide if you want to know:

  • Why you should invest £50k and the benefits of investing your money.
  • How to invest £50k to get the best investment
  • How to invest £50k wisely with low-risk investments.
  • How to build a property portfolio with £50k.

Sound helpful? Then keep reading for our ultimate guide to finding the best investment for £50,000.

Best Way to Invest 50k - Chat to an Agent

3 Units Remaining

The Summit

Stylish Baltic Triangle Living

Liverpool Prices from £139,950

Assured 7% NET Rental Yields

15-20% Below Market Value

Invest From £35,000

ELEMENT - The Quarter

North West's First Eco-Development

Liverpool Prices from £74,950

8% NET Rental Return

300m Away From New £1bn Royal Hospital

10% Deposit

Off Market Manchester Apartments

Premium Residential Investment

Manchester Prices from £219,112

5.5% NET Rental Return

10% Deposit Required

Contents

Why Invest £50k?

As you’re probably aware already, investing is one of the best ways to make your money grow. As the investment expert Robert Kiyosaki once said,

“It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.”

If you’ve acquired such a large sum of cash as £50k and you don’t have a clear idea and strategy of what you’re going to do with the money, before you know it, your hard-earned or inherited cash could be gone.

By investing your money, you’re future-proofing your finances and ensuring you can build your wealth over time. Of course, doing your research and making sure you invest in the right asset is crucial to your success. That’s where our guide to how to invest £50k comes in.

What is the Best Investment for £50k? - Different Investment Strategies

If you’re seeking the best way to invest 50k, the best place to start is by weighing up the pros and cons of different investment strategies in the UK.

Let’s take a look at how two of the most popular investment strategies – stocks and shares and property investment – compare when it comes to how to invest 50k.

We’ll also look at opening a savings account in the form of a cash ISA as an alternative to stocks and shares vs property for investing 50k.

Investing in the stock market is one of the most common strategies a lot of investors opt for.

You’ve likely heard tales of past investors making millions from stocks and shares investments. However, if you have some knowledge of the financial world, you’ll know how risky these investments can be.

Let’s take a look at the pros and cons of stocks and shares investments when looking for the best way to invest £50k of your money.

What Are the Pros of Stocks and Shares for Investing 50k? 

  • High potential returns with the right investment strategy.
  • Usually easy and quick to sell when exiting the investment

What Are the Cons of Stocks and Shares for Investing 50k? 

  • A high-risk strategy with the potential to lose everything you invest.
  • Requires expert knowledge to succeed.
  • The stock market can fluctuate easily, causing regular stock price changes.

The property market is another example of the most popular investment strategies and proves incredibly common with investors with a £50k budget.

Those who keep up to date with the UK economy and housing market will know that UK house prices are now much higher than they’ve ever been, with record-breaking property price growth since the beginning of the Covid-19 pandemic.

However, even with record-breaking house prices, property investment is still one of the best ways to invest 50k, with plenty of amazing deals to be found.

Here are some of the pros and cons of investing in property as an option for what to do with 50k.

What Are the Pros of Property for Investing 50k? 

  • With buy to let, investors can make attractive returns through both rental income and capital gains.
  • Property is a lower risk strategy due to the resilience of the UK property market.
  • It can help investors meet both short-term and long-term financial goals.
  • Allows investors to make significant returns from investing just 50k.

What Are the Cons of Property for Investing 50k? 

  • Property market fluctuations can cause property prices to drop, potentially affecting capital growth returns further down the line.
  • Investors can experience void periods causing loss of rental income if the property is in a low-demand area.

If you’re not keen on investing £50k of your money in either property or stocks and shares, you may be looking for less risky and more ‘safe’ places to put your money.

One of the best ways to invest your money with zero risk and tax-free returns is by putting your money into a high-interest savings account such as a cash ISA. For any money you put in, you’ll generate interest in the form of a cash bonus of 25% from the government.

There is a range of different ISAs out there, from lifetime ISAs to stocks and shares ISA’s, but the maximum amount you can deposit into an ISA is £20,000.

This means you would only be able to do this with part of your 50k. With lifetime ISAs, you can also only deposit a maximum of £4,000 into your account per year.

As the famous quote from Robert G.Allen goes –

“How many millionaires do you know who have become wealthy by investing in savings accounts? I rest my case.”

If you’re serious about maximising your wealth by investing £50k, the best financial advice would be to put your money into an appreciating asset.

Investing 50k Into Stocks and Shares

Investing in the stock market is one of the most common strategies a lot of investors opt for.

You’ve likely heard tales of past investors making millions from stocks and shares investments. However, if you have some knowledge of the financial world, you’ll know how risky these investments can be.

Let’s take a look at the pros and cons of stocks and shares investments when looking for the best way to invest £50k of your money.

What Are the Pros of Stocks and Shares for Investing 50k? 

  • High potential returns with the right investment strategy.
  • Usually easy and quick to sell when exiting the investment

What Are the Cons of Stocks and Shares for Investing 50k? 

  • A high-risk strategy with the potential to lose everything you invest.
  • Requires expert knowledge to succeed.
  • The stock market can fluctuate easily, causing regular stock price changes.

Investing 50k Into Buy to Let Property

The property market is another example of the most popular investment strategies and proves incredibly common with investors with a £50k budget.

Those who keep up to date with the UK economy and housing market will know that UK house prices are now much higher than they’ve ever been, with record-breaking property price growth since the beginning of the Covid-19 pandemic.

However, even with record-breaking house prices, property investment is still one of the best ways to invest 50k, with plenty of amazing deals to be found.

Here are some of the pros and cons of investing in property as an option for what to do with 50k.

What Are the Pros of Property for Investing 50k? 

  • With buy to let, investors can make attractive returns through both rental income and capital gains.
  • Property is a lower risk strategy due to the resilience of the UK property market.
  • It can help investors meet both short-term and long-term financial goals.
  • Allows investors to make significant returns from investing just 50k.

What Are the Cons of Property for Investing 50k? 

  • Property market fluctuations can cause property prices to drop, potentially affecting capital growth returns further down the line.
  • Investors can experience void periods causing loss of rental income if the property is in a low-demand area.

Cash ISA Savings Accounts - an Alternative Option for Where to Invest 50k

If you’re not keen on investing £50k of your money in either property or stocks and shares, you may be looking for less risky and more ‘safe’ places to put your money.

One of the best ways to invest your money with zero risk and tax-free returns is by putting your money into a high-interest savings account such as a cash ISA. For any money you put in, you’ll generate interest in the form of a cash bonus of 25% from the government.

There is a range of different ISAs out there, from lifetime ISAs to stocks and shares ISA’s, but the maximum amount you can deposit into an ISA is £20,000.

This means you would only be able to do this with part of your 50k. With lifetime ISAs, you can also only deposit a maximum of £4,000 into your account per year.

As the famous quote from Robert G.Allen goes –

“How many millionaires do you know who have become wealthy by investing in savings accounts? I rest my case.”

If you’re serious about maximising your wealth by investing £50k, the best financial advice would be to put your money into an appreciating asset.

Learn More About Investing £50k in UK Property With Our FREE Guide

How to Invest 50k Guide

Submit Your Details Below to Receive Instant Access

What is the Best Way to Invest £50k?

Invest in UK Buy to Let Property With Just £50k Today – View Current Investments

View Properties

How to Invest 50k in Property: Top Tips

Completed and Tenanted Students Flats in Liverpool From Just £69,995. 8% Rental Yields Available

View Property

Get in Touch With RWinvest Today

If you’re still unsure of how to invest 50k in property, want to invest a 100k budget, or if you have any questions about the buy to let investment market, contact RWinvest.

We can offer you guidance to help you start investing and help you secure your ideal opportunity for lucrative investment returns. For more information on getting started in property investment, look at our beginner’s guide to buy to let property.

Disclaimer 

The content in this guide to the best way to invest 50k is offered for informational purposes. It should not be taken as investment advice.

If you’re looking for financial advice, we’d suggest seeking the expertise of a financial advisor before investing your money.

This guide to the best investment for £50,000 was last updated in June 2021.

3 Units Remaining

The Summit

Stylish Baltic Triangle Living

Liverpool Prices from £139,950

Assured 7% NET Rental Yields

15-20% Below Market Value

Invest From £35,000

ELEMENT - The Quarter

North West's First Eco-Development

Liverpool Prices from £74,950

8% NET Rental Return

300m Away From New £1bn Royal Hospital

10% Deposit

Off Market Manchester Apartments

Premium Residential Investment

Manchester Prices from £219,112

5.5% NET Rental Return

10% Deposit Required