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The Best Investments For Under 25s?

Okay so I've used the age range as under 25s in the title but given the world's economic state this article is pretty much applicable to anyone making their first steps into financial investment. 2012 is here and providing the world isn't heading towards its predicted implosion, we're likely to see another difficult financial year. For the younger generation, such as those in their first or second jobs, young entrepreneurs and graduates, this makes it particularly difficult in assessing the best way to make the most of your savings. Let's face it, just saving money is an achievement in itself but if we really want the best rewards we need to educate ourselves and each other on the best investment opportunities.

Getting to grips with the terminology and some of the processes can be difficult and with some investments (such as the stock market) being difficult to understand and relatively high risk, it's common for anyone to ignore investment opportunities in favor of settling for their basic account interest each month. THIS IS CRAZY as there are so many interesting ways to save and make money. Here's some information about a few investment opportunities which are likely to appeal to younger people based upon the return on investment and flexibility regarding investment amounts.

Buying Property

So if you're under 25 and single, you might struggle in finding ways to fund the down payment for a property and you've probably seen on the news over the last few years that it's harder than ever to get on the property ladder. This is still true, but if you're an under 25 couple and looking for an investment together, you can combine your funds, with investment in property still relatively low risk. Yes, there are always high profile slumps but generally, if you can afford to buy your own property there is hardly a more secure and worthier investment.

Fixed Rate Bonds

For young people, "bonds" can sound a little old school and a lot of people don't really know what they are. From some of the TV adverts you'd even assume that this is an investment for people of a certain age and with a certain income. This is completely untrue. Put simply, bond is your cash investment within a specific company for a specific amount of time. In return for your cash up front, fixed rate bonds give you a fixed rate return of interest for an agreed period of time, usually for a minimum of one year. The longer the period of your bond, the better the interest rate and the more likely you'll see a better ROI. The aim is that with other people injecting cash into a business, the fixed rate bonds will eventually provide you with a large sum of cash at the end of your bond period.

Tax Free ISAs

Nobody wants to pay tax on their savings, and that's what makes ISAs so damn good. There are several different types of Individual Savings Accounts (ISAs). In a tax year any individual in the UK can save £10,680 tax free. Though they might not have the same interest rates as some other methods of investment, they are safe and stable and a great way to ensure you will make some return on your saving investment. Speak to your bank about their ISA options are there are several different types ranging from online ISAs, fixed rate ISAs and instant access ISAs.

Investing In Yourself

You can't really put a price on this option, but if you've got the money, it might just be worth investing some cash to grant you opportunity to support a career move. You could use a lump sum to pay all of your utility bills and rent payments whilst you seek an entry level position within an industry you want a career in, or you can invest the money in part or full time education to support an academic route into your desired career. You might not see the return on your investment straight away but somewhere down the line, investing in yourself is likely to pay off.

Wine

The wine market is one of the most stable markets to invest in and you might not need to know as much about wine as you think, though obviously it does help! The thing with wine is that you will need a significant amount to really do your research in order to get it right. It's not just a matter of handing over your cash to an expert and expecting return years later. You've got to do plenty of preparation, get to know what vintage wines are and get to know about different vineyards and types. If you don't know anything at all about wines there are wine investment specialists and merchants who can talk you through each stage of wine investment. Generally investing in red wine is the most lucrative but you may have to wait some time before deciding to cash in on your investment. There's also the option to invest in an entire vineyard, but again this is an extremely long term investment and you may not see the return for up to twenty years.

Art

Art can be a tricky investment as we all know it's a very subjective industry, but play it right and it can be the most lucrative investment you'll ever make. There are so many different factors which can affect a pieces value that this is an industry best invested in by those who have a vested and knowledgeable grasp on the industry and even then it still remains a risk. If you're thinking about investing in art don't just buy a piece and assume it will naturally increase in value with age. This is a common mistake and you should talk to an art specialist before making any purchases at all.

Scott is a writer who specializes in tracking fixed rate bond deals and researching saving and investment opportunities for young people.