You’ve just sold your business, and now you’re faced with a rather pleasant dilemma: what to do with money after selling your business. As a financial expert, I’ll walk you through various options, each with its own set of advantages and potential pitfalls.
Table of Contents
Diversify Your Investment Portfolio
Pros:
- Spreads risk across different asset classes
- Potential for balanced returns
Cons:
- Requires active management
- May involve complex financial instruments
Consider a mix of shares, bonds, and alternative investments to create a well-rounded portfolio tailored to your risk tolerance and financial goals.
Property Investment
Pros:
- Potential for steady cash flow through rental income
- Long-term appreciation of property value
Cons:
- Can be illiquid
- Requires ongoing management or costs for letting agents
Property investment can be an excellent way to generate passive income and build long-term wealth. Consider both residential and commercial properties, or explore Real Estate Investment Trusts (REITs) for a more hands-off approach. Be careful as some of REITs have been in trouble for buying overpriced assets.
Start a New Business Venture
Pros:
- Leverage your entrepreneurial experience
- Potential for high returns
Cons:
- Risk of failure
- Demands significant time and energy
Your experience as a business owner could be invaluable in launching a new enterprise or investing in promising start-ups.
Create a Rainy Day Fund
Pros:
- Provides financial security
- Peace of mind during uncertain times
Cons:
- Lower returns compared to other investments
- Opportunity cost of not investing in higher-yield options
Aim to set aside 6-12 months of living expenses in an easily accessible, low-risk account.
Invest in Your Personal Development
Pros:
- Enhances your skills and knowledge
- This can lead to new opportunities
Cons:
- Returns may not be immediately quantifiable
- Requires time commitment
Consider pursuing further education, attending workshops, or hiring a personal coach to continue growing professionally and personally.
Philanthropic Endeavours
Pros:
- Makes a positive impact on society
- Potential tax benefits
Cons:
- Requires careful vetting of charities
- May not provide financial returns
Establish a charitable foundation to support causes you’re passionate about.
Peer-to-Peer Lending
Pros:
- Potentially higher returns than traditional fixed-income investments
- Diversification opportunity
Cons:
- Higher risk of default
- Relatively new and less regulated market
This alternative investment option allows you to act as a lender to individuals or small businesses, potentially earning attractive interest rates. Do your research by searching for peer-to-peer lending platform’s name in Google and complaints.
How much of my business sale proceeds should I keep liquid?
Financial experts often recommend keeping 5-10% of your proceeds in cash or cash equivalents for emergencies and short-term needs.
Should I pay off all my debts immediately after selling my business?
While paying off high-interest debt is generally advisable, consider the opportunity cost. Sometimes, it may be more beneficial to invest if the potential returns outweigh the interest on low-interest debt.
Beyond Buy-to-Let: Soaring into Property Angel Investment
We’re offering you the chance to get involved in property investment without the hassle of dealing with tenants or fixing leaky taps. Here’s the deal:
We are seeking sophisticated investors to participate in our property trading venture. This opportunity is only suitable for certified high net worth individuals or sophisticated investors as defined by the Financial Conduct Authority.
Our strategy involves acquiring and trading residential and commercial properties to generate returns. We anticipate holding periods of 6-24 months per property. Target returns are not guaranteed and will only be discussed after you qualify. Your capital is at risk.
Investors would provide loans secured against specific properties. The minimum investment is £100,000. The funds would be used solely for property acquisition and improvement costs.
This is an unregulated collective investment scheme. Your capital is at risk, and returns are not guaranteed. Past performance is not indicative of future results. The value of property investments can go down as well as up.
Please consult an independent financial advisor before investing. This is not a regulated financial promotion and has not been approved by an authorised person.
The Bottom Line
Becoming a property angel investor can be an exciting way to put your business sale proceeds to work. It offers the potential for attractive returns and the thrill of being part of exciting property developments, without the headache of day-to-day property management.
So, if you’re ready to spread your financial wings and soar into the world of property investment, angel investing might just be your ticket to new heights. Just remember to look before you leap, and always have a parachute handy!
Partners in Prime: Seeking Straight Shooters for Serious Business
Let’s cut to the chase – we’re picky about our partners and with good reason. We’re not just looking for casual acquaintances; we’re after long-term business relationships that stand the test of time.
We’re on the hunt for the real McCoys – folks with integrity you can spot a mile off. The kind of people you’d happily chew the fat with over a cuppa after a hard day’s graft. We’re talking about those cool customers who don’t lose their rag when the tech goes haywire or plans change at the eleventh hour.
When it comes to professionalism, we don’t mess about. Punctuality and dependability are our bread and butter. If you’re the type who thinks fashionably late is a lifestyle choice or you’ve got a habit of doing a vanishing act when the going gets tough, we might not be singing from the same hymn sheet.
Honesty, transparency, and integrity aren’t just buzzwords for us – they’re the bedrock of how we do business. If these strike a chord with you, we’ll likely get on like a house on fire. If not, well, we might be speaking different languages.
We’re not just all talk, either. In a world where lip service to honesty is as common as muck, we pride ourselves on walking the walk. No smoke and mirrors here – just straight-up, no-nonsense communication.
If you’re sitting there thinking, “Blimey, these sound like my kind of people,” then give us a shout. We might just be the perfect fit for each other. After all, in business as in life, it’s all about finding your tribe, isn’t it?
Property Saviour Price Promise
- The price we’ll offer is the price that you will receive with no hidden deductions.
- Be careful with ‘cash buyers’ who require a valuation needed for a mortgage or bridging loan.
- These valuations or surveys result in delays and price reductions later on.
- We are cash buyers. There are no surveys.
- We always provide proof of funds with every formal offer issued.
We'll Pay £1,500 Towards Your Legal Fees
- No long exclusivity agreement to sign because we are the buyers.
- You are welcome to use your own solicitor.
- If you don’t have one, we can ask our solicitors for recommendations.
- We share our solicitor’s details and issue a Memorandum of Sale.
Sell With Certainty & Speed
- Our approach is transparent and ethical, which is why sellers trust us.
- 100% Discretion guaranteed.
- If you have another buyer, you can put us in a contracts race to see who completes first.
- Complete in 10 days or at a timescale that works for you. You are in control.
