Yes. I looked at diverse investments but I'm still looking at losing at least 30% of value compared to inflation.
I have opted out of the mandatory pensions as I had debt to pay off and it makes more sense to invest in that. I'm not happy with the risk profiles of the investments they offer as well as even the low risk one has a shit return.
I'm looking for something different. TBH I'm making a reliable £300/month clear profit for a few hours effort on ebay buying and selling crap which over time has a better investment return sticking it in a low interest account that sticking a portion of salary in high interest.
That's working for now but I want something that requires less effort :)
It's not that difficult to keep pace with inflation and beyond over the long term. I'm not going to give financial advice here but if you look there is tons of useful information out there. You will need to educate yourself though, in particular, learn the common mistakes.
"Losing to inflation" is relative. If inflation is 2%, your goal is to find a strategy that yields higher than 2% after taxes and expenses at a risk tolerable to you.
Your eBay endeavors are basically allocating your capital to a closely held business, which is perfectly reasonable though like you said, likely unscalable.
Yes scalability is the problem. I'm expecting a shortfall within a couple of years so I need a new strategy. Currently this is running way above inflation which is good but the hill I'm pedaling up is getting steeper.
I have opted out of the mandatory pensions as I had debt to pay off and it makes more sense to invest in that. I'm not happy with the risk profiles of the investments they offer as well as even the low risk one has a shit return.
I'm looking for something different. TBH I'm making a reliable £300/month clear profit for a few hours effort on ebay buying and selling crap which over time has a better investment return sticking it in a low interest account that sticking a portion of salary in high interest.
That's working for now but I want something that requires less effort :)