10 Step Investment Plan

So we knew we needed to start investing for our retirement but where did we start. I had a few small investments in shares and a little deposited with a peer-to-peer lender but not much else.

We also have a limited income so there was also a need to find other ways to make extra money.  We are now following our Personal Earning Plan which is helping us to make £600 per month.

I started to look around at investment options not only the traditional stocks and shares but also the alternative investments that may be a little riskier but could give higher rewards and are fun to be a part of.

So starting from April 2015 when I realised there was only 8 years before my husband reached state retirement age I set out to increase our investments. The investments need to make us either capital growth that we can use from 2023 (selling property we part-owned etc) or produce a monthly income.

So here are the 10 areas we are currently invested in:


2, Property

3, Peer-to-peer lending

4, Crowdfunding (Business)

5, Solar Projects

6, Cash

7, Commodities (Gold/Silver)

8, Antiques

9, Lego

10, Whisky

Passive Income:

Numbers 1-5 provide us with passive income (we have invested once and need do no more) we will be paid dividends or interest. Numbers 1 and 2 could also give us capital growth.

Capital Growth:

Numbers 7-10 are there for capital growth, we will need to sell them to make money and an increase is not guaranteed, in fact there values could go down.


It is a good idea to have some easy accessable cash that would cover your household bills for at least three months. This ensures that should there be an illness or redundancy you have a fall back


Numbers 9 & 10 are our bit of fun can we make money from Lego & whisky.

That’s our 10 different investment areas

To monitor our performance and ensure we stay on track and motivated we complete a Monthly Net Worth Report.

Report for May 2017 can be found here.

Report for June 2017 can be found here. 

Which areas of investments are you in?