My investments are an attempt to get a return on my money that is higher than ‘safe’ savings accounts. The flip-side is that these types of investments come with a risk to the capital, however I hope that the risks I have taken are calculated and unlikely to happen.

I try to keep around a 50/50 split between my cash savings and riskier investments.

1. Vanguard Stocks and Shares ISA

I have a stocks and shares ISA with Vanguard that I use to buy units of global index tracker. This is basically a fund that buys up stocks from around the world. There’s no expert stock picking here, they just buy a bit of everything and aim to track the global FTSE. Hence it has low fees. My capital is at risk but I hope for it to beat safer options over the long term.

See my review of this account here.

2. Crowd Property Innovative Finance ISA

My other riskier investment vehicle is with CrowdProperty. They provide loans to property developers that are funded by individuals. I get around 8% from cash invested, however my capital is at risk.

See my review of this account here.