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by mc2fool
February 18th, 2019, 11:31 am
Forum: Investment Strategies
Topic: Active funds take more risk in vain search of higher returns
Replies: 11
Views: 704

Re: Active funds take more risk in vain search of higher returns

The original poster cited “active funds” which I take to mean open ended funds such as OEICs or Unit Trusts, whereas the investment that you have quoted FCIT is an Investment Trust, these being close ended investments. Actively managed yes, but not an “active fund” in my book therefore ?. Sorry if ...
by mc2fool
February 16th, 2019, 1:59 pm
Forum: Investment Strategies
Topic: Portfolio Unitization - Results Interpretation
Replies: 31
Views: 938

Re: Portfolio Unitization - Results Interpretation

This is about Portfolio Unitization not about accumulation or distribution units in a fund. Yes, but you have to decide which basis you are going to do the unitisation on, accumulation or income (distribution). Account two ( distribution ) : Investments £100,000 : dividends received in the month : ...
by mc2fool
February 14th, 2019, 4:17 pm
Forum: Pensions - Practical Problems
Topic: State pension - time living or working abroad
Replies: 11
Views: 794

Re: State pension - time living or working abroad

BTW, if you haven't already you'll want to register (create "your space") on https://www.lassuranceretraite.fr/portail-info/accueil You'll also want to register on the site of the outfit that is providing the supplementary pension. Having registered and logged into the aforementioned agirc...
by mc2fool
February 14th, 2019, 3:54 pm
Forum: Pensions - Practical Problems
Topic: State pension - time living or working abroad
Replies: 11
Views: 794

Re: State pension - time living or working abroad

Kinda busy at the moment, but briefly... does the supplementary pension have to be applied for separately? In a word, yes. Start here: https://espace-personnel.agirc-arrco.fr/auth/login Also, how do you manage to get the 'attestation d'existence' certified? Getting to the French Consulate is straigh...
by mc2fool
February 14th, 2019, 12:40 pm
Forum: Passive Investing
Topic: Vanguard VWRL - the one stop solution?
Replies: 44
Views: 2605

Re: Vanguard VWRL - the one stop solution?

If you are arguing that the Vanguard site shouldn't include VWRD because it is also a broker/platform and shouldn't allow its clients to buy VWRD, would you also say other retail brokers should also not allow their clients to buy it too? I suspect not.... Nope. I'm not arguing that, and never have....
by mc2fool
February 14th, 2019, 12:05 pm
Forum: Computers, TVs & Phones
Topic: Can't access NAS Storage - Buffalo Linkstation
Replies: 30
Views: 426

Re: Can't access NAS Storage - Buffalo Linkstation

Clariman wrote:Any clues appreciated.

Buffalo do have their own support forums. http://forums.buffalotech.com/index.php
by mc2fool
February 14th, 2019, 11:37 am
Forum: Passive Investing
Topic: Vanguard VWRL - the one stop solution?
Replies: 44
Views: 2605

Re: Vanguard VWRL - the one stop solution?

When you buy VWRL (or VWRD) you are are not buying "a US$ asset", you are buying a whole heap of JPY, EUR, GBP, USD, and so on assets, and whose aggregate current yardstick just happens to be the USD. The underlying investments themselves are 53% USD and the ETF itself from the investors'...
by mc2fool
February 13th, 2019, 10:48 pm
Forum: Passive Investing
Topic: Vanguard VWRL - the one stop solution?
Replies: 44
Views: 2605

Re: Vanguard VWRL - the one stop solution?

Indeed, unless I'm totally missing it (quite possible :D), VWRD doesn't seem to be mentioned anywhere on http://www.vanguardinvestor.co.uk, which, after all, is the place UK based investors are likely to look. Can I just ask why you find it so odd that VWRD isn't mentioned here? As vandefrosty says...
by mc2fool
February 13th, 2019, 12:27 pm
Forum: Investment Strategies
Topic: Portfolio Unitization - Results Interpretation
Replies: 31
Views: 938

Re: Portfolio Unitization - Results Interpretation

The doubling of the unit price I am interpreting as being a positive sign that my investments have in fact made money, clearly a reduction in the unit price would represent having made a loss. Well, no, not necessarily. The advantage of unitisation is that it removes the effect of cash flows, and s...
by mc2fool
February 13th, 2019, 8:43 am
Forum: Passive Investing
Topic: Vanguard VWRL - the one stop solution?
Replies: 44
Views: 2605

Re: Vanguard VWRL - the one stop solution?

I missed VWRD as well. Vanguard really should provide all the tickers and ISINs for the various listings. They do, on the fact sheet. https://global.vanguard.com/portal/site/loadPDF?country=se&docId=1011 So this shows GBP and USD listings in London, plus listings also in Zurich, Amsterdam and F...
by mc2fool
February 11th, 2019, 12:15 am
Forum: Passive Investing
Topic: Vanguard VWRL - the one stop solution?
Replies: 44
Views: 2605

Re: Vanguard VWRL - the one stop solution?

There does only appear to be a GBP version on the LSE, which makes the article even more ridiculous. Nope, I was missing something. VWRD is the USD version on the LSE. And while it seems to be true in this case, it's not a good idea to just assume that GBP versions of such ETFs aren't hedged withou...
by mc2fool
February 10th, 2019, 10:14 pm
Forum: Passive Investing
Topic: Vanguard VWRL - the one stop solution?
Replies: 44
Views: 2605

Re: Vanguard VWRL - the one stop solution?

There was an article in the Motley Fool which I interpreted to suggest that there was a Sterling hedged version of VWRL. From the article ( link below). Is the TMF article correct, especially the last part of the following sentence? " The one downside of the fund is that its base currency is U...
by mc2fool
February 10th, 2019, 11:46 am
Forum: Pensions - Practical Problems
Topic: No more paper pension forecasts?
Replies: 4
Views: 347

Re: No more paper pension forecasts?

ralt wrote:Is there anything wrong with this page?"

Almost certainly not, if it confirms your own calculations. What's your COPE and how many years do you have up to and including 2015/16 and from 2016/17 onwards?
by mc2fool
February 9th, 2019, 5:57 pm
Forum: Pensions - Practical Problems
Topic: No more paper pension forecasts?
Replies: 4
Views: 347

Re: No more paper pension forecasts?

I just did an online search for a pension forecast and was expecting to get a page to print out a form to get a paper pension forecast. but the only option was to do it online. I've had several over the years and I don't think I've ever filled in a form, well, possibly for the one I got in the 1980...
by mc2fool
February 5th, 2019, 1:00 am
Forum: Brokers and Share Dealing
Topic: Platform Options - II or IWeb?
Replies: 33
Views: 1204

Re: Platform Options - II or IWeb?

Hariseldon58 wrote:Alliance Trust and A J Bell and HSDL are ok

Alliance Trust Savings is in the process of being taken over by Interactive Investor and HSDL is identical to IWeb (which is owned and run by HSDL), just a little more expensive and blue instead of orange.
by mc2fool
February 5th, 2019, 12:37 am
Forum: Computers, TVs & Phones
Topic: Malwarebytes Free
Replies: 5
Views: 321

Re: Malwarebytes Free

supremetwo wrote:Use the new version and set it to run monthly in Windows Task Scheduler

Have you found a way of invoking a scan from the command line? As far as I can make out the Home edition of Malwarebytes doesn't have a command line interface...
by mc2fool
February 4th, 2019, 10:13 am
Forum: Computers, TVs & Phones
Topic: Malwarebytes Free
Replies: 5
Views: 321

Malwarebytes Free

Like, I think judging from past comments, many here, I use Windows Defender along with the free version of Malwarebytes. Malwarebytes used to do an automatic monthly scan, and I don't normally bother to look at it, but I've recently noticed that it hadn't done one for a while, and on investigating I...
by mc2fool
February 3rd, 2019, 7:48 pm
Forum: Pensions - Practical Problems
Topic: Buying NI years, a worked example
Replies: 12
Views: 537

Re: Buying NI years, a worked example

I reckon that you should NOT buy pre 2016 years as they will be wasted money. Not so. Anyone who has less than 30 pre-2016 qualifying years, as JohnB has, will always benefit from filling pre-2016 gaps up to 30 years. Doing so will increase both the old system and new system figures for the 2016 &q...
by mc2fool
February 2nd, 2019, 3:22 pm
Forum: Pensions - Practical Problems
Topic: Boring question about the SP
Replies: 4
Views: 425

Re: Boring question about the SP

2. Speaking of the Graduated Retirement Benefit (GRB), it suddenly occurred to me today to wonder what happened to this on the change to the New SP. ... Is an individual's GRP calculated and used along with SERPS etc. figures to calculate the individual pension of somebody retiring now? - the trans...
by mc2fool
January 31st, 2019, 5:26 pm
Forum: Pensions - Practical Problems
Topic: Maximising State Pension
Replies: 9
Views: 467

Re: Maximising State Pension

As it happens my COPE is not 0, on the HMRC site it informs me that it is £12.88. Based on some of your previous posts if I understand correctly the calculations for the starting point are as follows: Old : BSP + TASP - COD + GRB, (but now COPE is used instead of COD and I did not work pre 1975, so...

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