If one has 10M baht is it possible to get around 8% with minimal risk.

[Get Real]

No, you can´t get a guaranteed yield on your investment in the range of 6-8% risk free on an annual basis.

 

The best way to invest your money to be as riskfree as possible, and at the same time have a chance to get highest possible yield is:
(Of course this include that you have some basic knowledge of investments and a fairly great foresight)

60-70% in high dividend stocks

10-20% in growth stocks

5-10% in cryptocurrencies (Gonná get bashed for this one, but there is common sense in the strategy)
The rest of any investment capital that is remaining can be invested in other sources.

Regarding the cryptocurrencies: Here there is only three that can be of interest. That is Litecoin, Ethereum and Bitcoin. As you are aware of theese are virtual currencies that are not controlled by any country or authority. No oversight, and everybody says that they are not connected to the monetary market. As well as that is true i a way, it is also a big misunderstanding. Everything has ups and downs when it comes to monetary values. Look at houses, art and the stockmarket as just a few examples. There is the connection! In real words that means the original system that Bitcoin is buildt on is delveloping into many other areas and will not at all crash and burn. Niether will that happen with Bitcoin or the other two currencies namned, due to that they are even buildt around a more secure and advances flexible system. The dip we all se at the moment will be fading from everyones eyes at the end of the year. The believers will stand as winners, and the people how throw away their chance for fortune will stand as loosers.

 

When it comes to the investment in high dividend stocks. General Mills, Valero, Kimberly-Clark and Coca Cola comes to mind as very profitable alternatives, but I am sure you can come up with some on your own.

The investment in growth stocks is the one, according to me, with the highest risk. Though, I see it as a nessesary investment due to the possibilities of an enormuos yield. Just look at Amazon. A person that invested in Amazon 20 years ago, would today have more than 450 times thier initial investment. However, this is not something for an investor that can´t feel or have the nose for whats up and coming.

That´s the best investment advices I can give. Not at all a professional, but making a living. Unfortunately, I belive that you wanted to make an investment that give a yield that you can live out of on a yearly basis. In that case, the only answer you need will be the firt sentence.

Good Luck with your future venture in the exiting world of investments.

[norrska]

1 hour ago, Justfine said:

Easy outside Thailand.

LOL....yes I see all the examples you listed!!!

[Justfine]

Ever heard of Ripple? Mkt cap is $41bn.

 

That whole field is a guessing game. The better ones have exploded last 5 years though. Bit late to jump on board with some knowledge.

[Justfine]

18 minutes ago, Ricardo said:

I've seen adverts on the www which suggest, that a risk-free guaranteed 10%-14% return can be achieved by investing in Pattaya-condos, however I remain slightly sceptical.

 

Others appear to believe that far-higher returns are available by investing in crypto-currencies, they don't usually claim it's risk-free, but  ...  

 

...  reaches for 40-foot barge-pole.

 

I am reminded that, if it looks too-good-to-be-true, then it often is. 

 

Exercise extreme-caution, and don't-bet-the-farm, is my advice to the OP.

 

 

Sell to a mug, then buy it back when the heavies threaten them. Repeat.

[AlexRich]

I doubt you'll find an investment with that yield and a guaranteed return of the principle. But if you are holding Aus $ you might want to consider an established foreign market with a weak currency, as you'll get more bang for your buck. The UK is an obvious market and major Australian miners are listed in London. UK focused stocks have been weak following the referendum vote. You'd get a reasonable yield and commodities usually hold firm in an inflationary environment, which we might well be going into these next couple of years. If interest rates do start to rise it would be wise to avoid companies with high leverage (debt). So low or no debt, established brands, strong cash flows. A bounce back in the UK GBP would be an added bonus. It also requires a strong stomach as market volatility looks to be the theme for 2018.

[GarryP]

Okay, ignoring the bickering, what about a person such as myself? I have lived and worked in Thailand for more than 3 decades and am not precluded from investing in any local offerings as I also have Thai citizenship. I will not draw any pension from the UK so my retirement will be based solely on my own savings.  Calculated purely on savings, not interest, I should have circa 26 million Baht when I retire in 5 years time. Where should I be investing such savings. Bank accounts can barely keep up with inflation. If possible I would like to live off the interest. At the moment I have provident fund savings, LTFs,  RMF (not worth anything as a tax deductible any more), a few mutual funds,  and fixed income funds. 

[Justfine]

"what about a person such as myself? "

 

Don't take advice from anonymous people on the internet would be a good start.

[rocketman777]

On no account buy stocks , bonds or mutual funds

 

The Stock Market has begun its crash and will be down 40 to 80% before the end of June.

 

You could lend money to Property owners up to 50% of the properties market value for short term periods of 1 Yr

 

With a lean on the property registered at the Land Office

 

That should provide moderate risk

 

However, the consequences of a crash in stocks and bonds may have an adverse affect on property prices so you need to have a good margin to allow for this

 

One company that does this in Pattaya charges a 15% interest  which is, at this time , frankly close to criminal.

 

Charging a more modest 8 to 10 % should be more acceptable

 

 

Edited February 12, 2018 by rocketman777

[Monomial]

You can currently get better than 5% on a USD 3 year term deposit at banks like ABA or ANZ in Cambodia. Note that these are not government insured, but the international parent banks are not likely to allow a bankruptcy to occur except in a real crisis.

8% - 10% is also doable for fixed term deposits at microfinance institutions over there, but these are locally owned banks where there is some risk of going belly up. Interest rates are trending down in Cambodia though, so I would not guarantee that you will be able to renew at these rates once the term is over. But for right now it might be worth considering as part of your portfolio.

[GarryP]

3 minutes ago, Justfine said:

"what about a person such as myself? "

 

Don't take advice from anonymous people on the internet would be a good start.

Some of the advice I have received has been very good. Obviously, I double checked everything. But some people know what they are talking about and actually give sound advice or make suggestions as to where to get the information I am looking for. 

 

Look at the citizenship thread as a good example of posters giving each other good advice and help. With the advice of some of the posters on that thread, I no longer have to worry about visas and can buy property in my own name. 

 

And you "advising" me not to take advice from anonymous people  such as yourself seems rather disingenuous.  Am I supposed to follow your advice or not. 

[Justfine]

4 hours ago, GarryP said:

Some of the advice I have received has been very good. Obviously, I double checked everything. But some people know what they are talking about and actually give sound advice or make suggestions as to where to get the information I am looking for. 

 

Look at the citizenship thread as a good example of posters giving each other good advice and help. With the advice of some of the posters on that thread, I no longer have to worry about visas and can buy property in my own name. 

 

And you "advising" me not to take advice from anonymous people  such as yourself seems rather disingenuous.  Am I supposed to follow your advice or not. 

Nobody cares when it goes ass up.

[Naam]

8 hours ago, Peterw42 said:

9 hours ago, steven100 said:

6-8% yield .... but obviously taxed if still an Australian citizen. It's still better than having a couple of rentals ...

Fully franked means tax has already been paid. Even with a rental property I still manage to claim back the 30% tax as under the 18k threshold.

i'm confused... how does "tax already paid" go together with "claim back the 30% tax?"

[simoh1490]

6 hours ago, GarryP said:

Okay, ignoring the bickering, what about a person such as myself? I have lived and worked in Thailand for more than 3 decades and am not precluded from investing in any local offerings as I also have Thai citizenship. I will not draw any pension from the UK so my retirement will be based solely on my own savings.  Calculated purely on savings, not interest, I should have circa 26 million Baht when I retire in 5 years time. Where should I be investing such savings. Bank accounts can barely keep up with inflation. If possible I would like to live off the interest. At the moment I have provident fund savings, LTFs,  RMF (not worth anything as a tax deductible any more), a few mutual funds,  and fixed income funds. 

Your starting point is asset allocation, decide how you're going to spread your investments amongst the different asset classes in order to minimise risk, then decide which sectors you're going to invest in when and then spread those investments geographically. If you say all that quickly it sounds easy but having spent the past nine months going through that process I can tell you it's not, but it is rewarding in as much you will know you've done your homework, you've understood the subject matter and you've done everything to minimise your risk.

 

In practical terms the above means having a finger in many pies in many parts of the world, probably in a few currencies and having an investment profile that matches your appetite for risk and your income potential for the next X years. For my part I'm about 80% THB, 20% GBP and my income is in THB, GBP and USD. I self-manage two investment portfolio's that are both 60% equities and 40% bonds and I keep ten years cash free and clear of my investments - the equities are spread across sixteen regions globally with no more than 15% in any one region, my real estate holdings are separate from all of that. 

 

So you asked the question, what about me. My answer is that you need to get to a point where you have something similar to the above and that means lots of learning which is a challenge but can be fun, it may seem daunting but it's easily doable.

 

I hope that helps.

Edited February 12, 2018 by simoh1490

[Gola]

Search for 'Jack Bogle'

 

Many interviews on YouTube. A hero to investors according to Warren Buffet

 

Also check out 'Lars Kroijer' on YouTube - fantastic free investment advice

 

 

 

 

[steven100]

16 hours ago, Monomial said:

You can currently get better than 5% on a USD 3 year term deposit at banks like ABA or ANZ in Cambodia

That's not to bad for a 3 yr term. 

[simoh1490]

2 minutes ago, steven100 said:

That's not to bad for a 3 yr term. 

Don't overlook institution and government stability risk plus there's no safety net or oversight on the banks there - the return is good of course but you need to be fully aware of the potential risks, after all, most banks don't offer a 5% return on USD currently unless they are trying to buy deposits.

[Jai Dee]

Several posts containing petty bickering have been removed from this thread.

[simoh1490]

17 hours ago, Justfine said:

"what about a person such as myself? "

 

Don't take advice from anonymous people on the internet would be a good start.

If a person acted on buying advice that was made anonymously over the internet they deserve whatever happens, but people shouldn't let that aspect get in the way of them receiving advice and pointers. One of the great benefits of the internet is that people who are new to a particular topic can get advice and direction from people who are more experienced, that in itself is the entire basis for the creation of the Thavisa Forum as it pertains to Thailand. The same is true of investments but people need to very clearly draw their own lines in the sand, look into the tips and how to information but make your own decisions afterwards, to ignore it all completely just because it's anonymous advice over the internet is very silly and self-defeating. And sadly it's not always possible to post link details of the advice that's being offered because more often it involves something that is seen as a competitive website or forum which is against forum rules.

 

Perhaps another way to look at it is: if I say I used these processes and these tools some of which include websites X & Y, individuals can consider that approach, look at the tools and the websites and decide for themselves to either go down that path or not. The alternative is to talk to people they know who may or may not know anything useful on the subject or go to the library and read a book! If you were in the West you might enrol in a specialist course but such things aren't available here, that's why social network forums can be a good substitute if used sensibly and the advice used only as a foundation rather than actual trading advice.

Edited February 13, 2018 by simoh1490

[Naam]

1 hour ago, steven100 said:

17 hours ago, Monomial said:

You can currently get better than 5% on a USD 3 year term deposit at banks like ABA or ANZ in Cambodia

That's not to bad for a 3 yr term. 

if it wasn't a Cambodian bank!

[sammieuk1]

If one ie you has 10 million send it to me and I can do 8.5% or even 9% totally risk free but hurry terms and commissions apply.

[Cricky]

23 hours ago, sfokevin said:

Buying Rolexes and loan them out to powerful friends - That’s where the money is... 

Yeah, but it's going to cost a lot more to get some powerful friends.

[Naam]

21 hours ago, steven100 said:

22 hours ago, Peterw42 said:

Here are some 6-8% yield (fully franked) shares in the Australian market.

6-8% yield .... but obviously taxed if still an Australian citizen. It's still better than having a couple of rentals ...

and also taxed if you are a foreigner. "fully franked" = my butt

Quote

Dividends paid by Australian-resident companies from profits

already taxed at the corporate rate may carry franking credits

for the tax paid. Dividends are referred to as “fully franked,”

“partially franked” or “unfranked,” depending on the extent

to which a company has chosen to use its franking credits.

To the extent distributions to foreign residents are unfranked

distributions, they are subject to withholding tax at the

statutory rate of 30%, which may be reduced under a tax

treaty.

 

[Joel Fain]

Never get involved to lend money in Thailand for 8/10%

peaple will take your money and will not pay back.

with a new laws there is nothing you could do.

Borrowers are protected , lenders not.

Divident stocks was a Best option for me last year . Return over 20%

The other thing is don’t lend money to your girlfriend relatives....you will never get it back.

[samsensam]

6 minutes ago, Joel Fain said:

Never get involved to lend money in Thailand for 8/10%

peaple will take your money and will not pay back.

with a new laws there is nothing you could do.

Borrowers are protected , lenders not.

Divident stocks was a Best option for me last year . Return over 20%

The other thing is don’t lend money to your girlfriend relatives....you will never get it back.

 

the sad reality is that there is a real problem here of people lending money to their 'friends' only to see said friends disappear or simply refuse to pay it back. there seems to be little the lender can do. what is puzzling is that people continue to lend money to friends, and family, despite this culture of non-payment. i'm a foreigner and i know what will probably happen so why dont the locals get it? i have a feeling 'face' can be gained by being seen to be 'rich' enough to lend money and this outweighs the high risk of non-repayment.

[sfokevin]

I’m curious?... In what country is it profitable to lend money to family or friends?... 

[stenor]

Yes if it can be converted to US Dollars, Sterling or Euros. If it can send *removed email* for details.

 

 

Edited February 13, 2018 by cdnvic
Removed email as per forum rules. Please message poster instead.

[davidst01]

23 hours ago, Peterw42 said:

Thats a fund, made up of high yield and safe bet equities. I hold a couple of stocks that pay 6% dividends and have done for the past 10 years. 

 

Here are some 6-8% yield (fully franked) shares in the Australian market.

 

Code	Company	Price	Yield	Gross	Consensus	DPS Gr.
FMG	Fortescue Metals Group	$5.08	8.86%	12.65%	Buy	-4.90%
GMA	Genworth Mortgage	$2.99	8.70%	12.42%	Hold	-25.00%
TLS	Telstra Corporation	$3.66	8.47%	12.10%	Hold	-15.80%
CMW	Cromwell Prop Ordinary/Units FP Stapled Securities	$1.01	8.26%	8.26%	Hold	-1.20%
GEM	G8 Education Limited	$3.43	7.00%	9.99%	Buy	-8.70%
CQR	Charter Hall Retail Units FP	$4.15	6.75%	6.75%	Hold	0.70%
NAB	National Aust. Bank	$29.48	6.72%	9.59%	Hold	0.10%
AIZ	Air New Zealand Foreign Exempt NZX	$2.91	6.60%	6.60%	Hold	-23.10%
GNE	Genesis Energy Limited Foreign Exempt NZX	$2.27	6.52%	6.52%	N/A	0.60%
GOZ	Growthpoint Property Unit/ Stapled Securities	$3.42	6.40%	6.40%	N/A	4.80%
NEC	Nine Entertainment	$1.53	6.21%	8.87%	Hold	0.00%
HVN	Harvey Norman	$4.21	6.18%	8.82%	Hold	-3.80%
VCX	Vicinity Centres Ordinary/Units FP Stapled Securities	$2.73	6.12%	6.12%	Buy	0.10%
SPK	Spark New Zealand Foreign Exempt NZX	$3.32	6.03%	6.03%	Buy	-1.00%
BOQ	Bank of Queensland	$12.61	6.03%	8.61%	Hold	-0.90%
WBC	Westpac Banking Corp	$31.23	6.02%	8.60%	Hold	N/A

yes but the last 9 to 10 yrs have been the longest bull market in history. See what you get the markets crashes / corrects (this yr or next?)

[steven100]

1 hour ago, sammieuk1 said:

If one ie you has 10 million send it to me and I can do 8.5% or even 9% totally risk free but hurry terms and commissions apply.

sure ... !   sounds to good to be true ....   thanks  !   shall i send by taxi motorbike or bank transfer ?

[davidst01]

21 hours ago, Justfine said:

Bull market for 8 years

actually its 9 to 10 yrs. And we are maybe in a market 'melt up' which is always followed by a crash

[Peterw42]

Just now, davidst01 said:

yes but the last 9 to 10 yrs have been the longest bull market in history. See what you get the markets crashes / corrects (this yr or next?)

That can increase the yield if you get a chance to buy the shares at at lower price. A market crash may affect the share price but wont have much effect on the companies ongoing dividends/profit etc. Buying in a bull market isnt great for dividend yield as you are paying a speculative value, not the shares actual value.