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Investments - Strategies, Ideas, Options & advice

Fade and Die said:
Understood, not everyone wants to run their own business, some just want to do their jobs without loads of hassle. But in most cases every SME owner started or is still “on the tools” or the shop floor.
A quick google shows there are 5.5 Million SMEs in the U.K., they represent 99% of the business population.
The point I am trying to make is that “investing” is not the only way to make money.
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Of course not, but for all those who work for those sme's and elsewhere then investing is a great option if done properly. Then only once you're in a position where you're happy to have it tied up for 5 years plus . No one's advocating it against having cash savings.
 
Just reviewing my portfolio, mostly pushing into ETFs these days but do have a chunk of lloy which have done fantastic for me tbh.
Probably to a point where I am overweight on them.
I've been looking at selling some de risking into gilts possibly.
VGOV etf possibly or just maybe hold some outright
 
hambugerpete said:
Just reviewing my portfolio, mostly pushing into ETFs these days but do have a chunk of lloy which have done fantastic for me tbh.
Probably to a point where I am overweight on them.
I've been looking at selling some de risking into gilts possibly.
VGOV etf possibly or just maybe hold some outright
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Are you de-risking or de-gambling? ;) :ROFLMAO:
 
Hobbit said:
It’s amazing what we wouldn’t say anymore. I was going to make a joke about welshing on a bet. I even thought it was spelt welch in this context.

Nowadays it’s considered to be insulting to the Welsh… the world is going mad!
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I think it's a phrase that's fallen out of fashion. At the risk of being disrespectful 🤣it's more of something my nan would have said 😜
 
Hobbit said:
It’s amazing what we wouldn’t say anymore. I was going to make a joke about welshing on a bet. I even thought it was spelt welch in this context.

Nowadays it’s considered to be insulting to the Welsh… the world is going mad!
Click to expand...
It can be spelt either way. That is the spelling I've always known.
 
hambugerpete said:
Just reviewing my portfolio, mostly pushing into ETFs these days but do have a chunk of lloy which have done fantastic for me tbh.
Probably to a point where I am overweight on them.
I've been looking at selling some de risking into gilts possibly.
VGOV etf possibly or just maybe hold some outright
Click to expand...
i have been buying VGOV and also a gilt ladder with all high coupon ones (in SIPP and ISSA - the reverse in GIA) form 2033 through 2046. Going to continue recycling dividends this way. The rest is is in REITS and infrastructure investment truxts with circa 6% to 8% yileds and several fixed income investmet trusts. A whole big gamble on some moest interest rate cuts over the next 18 months!
 
Lots of markets hitting fresh highs recently including US tech stocks - NVIDIA being the first public company to be valued over $4 trillion! UK is attracting a lot of attention due to being cheap and high dividends despite the fiscal mess we are in as a country. I have sold all 3 risky trusts/ ETFs - a bit annoyed the China dn EM Equity one are up nearly 10% in a couple of weeks since i sold!! Happy that BT and Vodafone are hitting new recent highs (still way of all-time) and Evoke, another pain trade, had good results yesterday, maybe a lot of people bet on Rory winning the Open!!

With the cash raised, have been adding to favourites such as BIPS, HICL, INPP, PHP, SEQI, ENRG, VGOV and high coupon Gilts (2032 to 2046). The whole portfolio is aligned to some rate cute over the next year - circa 3 are expected. I just hope that Ambrose Evans-Pritchard from The Telegraph is correct when he wrote a week ago that British Debt is a screaming buy "Mispriced, overlooked and poised for a major reappraisal – UK gilts are a global bargain"
 
PNWokingham said:
Lots of markets hitting fresh highs recently including US tech stocks - NVIDIA being the first public company to be valued over $4 trillion! UK is attracting a lot of attention due to being cheap and high dividends despite the fiscal mess we are in as a country. I have sold all 3 risky trusts/ ETFs - a bit annoyed the China dn EM Equity one are up nearly 10% in a couple of weeks since i sold!! Happy that BT and Vodafone are hitting new recent highs (still way of all-time) and Evoke, another pain trade, had good results yesterday, maybe a lot of people bet on Rory winning the Open!!

With the cash raised, have been adding to favourites such as BIPS, HICL, INPP, PHP, SEQI, ENRG, VGOV and high coupon Gilts (2032 to 2046). The whole portfolio is aligned to some rate cute over the next year - circa 3 are expected. I just hope that Ambrose Evans-Pritchard from The Telegraph is correct when he wrote a week ago that British Debt is a screaming buy "Mispriced, overlooked and poised for a major reappraisal – UK gilts are a global bargain"
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I am almost completely out of UK... nothing to do with patriotism, but I dont have a great outlook for the UK markets over the next 10-15 year horizon. Unfortuantely, we as a country are stuck and currently no way out. If we rejoin the EU, we will have a temp bounce back. However, the macro economics and political will is missing to make it an investment destination. We are a bit like Japan - the markets have gone nowhere. More and more companies are shunning London to list elsewhere.

My Voda and Verizon stocks have gone in completely different directions. Lloyds has struggled. Only BP has given a decent return - and that is a takeover target. I dont do debts yet, so havent really looked at it. Again given the challenges that Chancellor is having and the rush to sell Bitcoins, yields will go up.

So i m following Trump and Buffett. . Dont bet against the US economy. For my son's JISA, he only has a split of S&P and India Index fund. My theory is that they both will do well over 15 year cycle and low costs.

Markets are screaming today due to US-Japan deal... Waiting to see Tesla crash today after it reports numbers.
 
Mudball said:
I am almost completely out of UK... nothing to do with patriotism, but I dont have a great outlook for the UK markets over the next 10-15 year horizon. Unfortuantely, we as a country are stuck and currently no way out. If we rejoin the EU, we will have a temp bounce back. However, the macro economics and political will is missing to make it an investment destination. We are a bit like Japan - the markets have gone nowhere. More and more companies are shunning London to list elsewhere.

My Voda and Verizon stocks have gone in completely different directions. Lloyds has struggled. Only BP has given a decent return - and that is a takeover target. I dont do debts yet, so havent really looked at it. Again given the challenges that Chancellor is having and the rush to sell Bitcoins, yields will go up.

So i m following Trump and Buffett. . Dont bet against the US economy. For my son's JISA, he only has a split of S&P and India Index fund. My theory is that they both will do well over 15 year cycle and low costs.

Markets are screaming today due to US-Japan deal... Waiting to see Tesla crash today after it reports numbers.
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UK is the value market and has picked up momentum as investors look for better opportunities with less downside in a downturn. Remember, also, most earnings of the FTSE 100 are from abroad so domestic issues are relatively insignificant. Not sure what period you are looking at but BP has been a much bigger dog than most - ie 10% down over 1y - whereas LLoyds has been stellar and 31% up over the past year. While i think the current leaders are making a bad economy a lot worse, the fundamental issues we have as an nation are not too disimilar to most other countries that are revolting against tourists etc - ie affordability - i just hope sense prevails and they do not introduce a wealth tax as that will do immesurable damage due to major capital flight. Easy way to reverse companies delisting from London to other markets is to cut red tape, scrap stamp duty on shares and make the stock market the go-to place to list and hopefully that will prompt an overall re-rating and narrow the PE gap to other countries
 
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Just one about Premium Bonds as I can’t find an answer on-line.

If I hold the maximum of £50k and want to cash some in, can I top my holding back up to £50k if and when funds become available.
 
It's not 205k and then if your earning 100k plus and not being even more tax efficient then that's even more foolish. I dislike these sorts of comparisons, they are incredibly disingenuous and often wrong anyway, as that one is
 
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hambugerpete said:
It's not 205k and then if your earning 100k plus and not being even more tax efficient then that's even more foolish. I dislike these sorts of comparisons, they are incredibly disingenuous and often wrong anyway
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Simple calcualation from Money saving expert..

1753953686715.png

If you are PAYE and you get salary + bonus of around 200k... 10% Pension, NI ... There is not much you can plan for. (unless i have missed something)
That tax is going to be deducted at source and go into ether.


I cant comment about the other countries in that list. Dubai is correct
 
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Mudball said:
Simple calcualation from Money saving expert..

View attachment 58945

If you are PAYE and you get salary + bonus of around 200k... 10% Pension, NI ... There is not much you can plan for. (unless i have missed something)
That tax is going to be deducted at source and go into ether.


I cant comment about the other countries in that list. Dubai is correct
Click to expand...
They are pointless comparisons.
Why only 10% pension?
If someones earning 205k and letting the tax man take 85 then they're an idiot.
 
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Mudball said:
What would you consider ideal? I m assuming 10 employee contribution + 5-10% Employer contribution..
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Don't know TBF, but you can make up to 60k per year pension contributions so that leaves some scope if outgoings allow.
 
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