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I’m not keen on going wholeheartedly into the stock market and I’m already probably overexposed to the property market. We put his case to Colin Jackson, director of Baronworth Investment Services, Kevin Morgan, managing director of EZI UK, Nikki Foster, savings and investments manager of Chase de Vere Investments and Rob Guy, of Timothy James and Partners. He believes Mr May should have between £9,000 and £18,000 in relatively easy-access investment accounts.social media marketing

But Ms Foster says he should pay his student loan gradually, since it is low-interest. He says Mr May should cut his monthly savings and use part of the money to pay his card debt. Mr Morgan recommends that people hold between three and six months’ net income as an emergency fund. The mortgages he has on his investment properties can offset interest against the rental income, so there is little point in reducing those. search engine optimisation By having a lower mortgage payment, Mr May’s monthly disposable income will be higher, so he could use some of this to invest on the stock market every month.

To this end he could secure his current mini cash Isa allowance, which would yield him around 4.5 per cent, a healthy rate of return with little risk to the initial investment. Mr May should continue to build up his tax-exempt savings, and if he is prepared to take a degree of equity risk he could invest a further £3,000 in a mini equity Isa through a broadly based vehicle such as HSBC Growth & Income Unit Trust.

Mr Guy can understand Mr May not wishing to invest a large lump sum into the stock markets at present. He also agrees with Mr May’s view that he is probably over-exposed to the property market. Mr Guy believes Mr May ought to use the £40,000 from the sale of his flat to reduce the mortgage on his new property. He does not receive tax relief on the mortgage, and assuming a mortgage interest rate of 5 per cent to match this return, he would require a gross 8.33 per cent a year from a risk-free investment to match that.