Search found 352 matches

by colin
November 17th, 2018, 5:02 pm
Forum: How Do I Invest
Topic: ETFs in an ISA
Replies: 28
Views: 403

Re: ETFs in an ISA

I was thinking of opening up an ISA with Interactive Investor (II) as the fees seem to be decent compared to others, now initial investment was going to be £1000 and then £100 a month if you pay a £10 dealing charge to buy £100 of an ETF you have just lost 10% of your money straight away. For you I...
by colin
November 15th, 2018, 10:39 pm
Forum: Cycling
Topic: E bike recommendation
Replies: 31
Views: 2854

Re: E bike recommendation

He said that this was his first puncture in 6 years

I have been using Schwalbe Marathon Plus Tyres with an inserted kevlar strip for more years than I can remember and have not had a puncture yet.
by colin
November 14th, 2018, 12:14 pm
Forum: Passive Investing
Topic: Not the UK or US
Replies: 11
Views: 661

Re: Not the UK or US

You are right Colin. A 40% edge is not worth bothering with. Just to be clear, back testing of historical data has shown that employing commonly used valuation measures to predict the future course of stock market returns provides no 'edge' whatsoever. In the overwhelming majority of cases subseque...
by colin
November 13th, 2018, 11:28 am
Forum: Passive Investing
Topic: Not the UK or US
Replies: 11
Views: 661

Re: Not the UK or US

According to Vanguard the most successful valuation method yet devised (cyclically adjusted PE) has only been shown to predict 40% of subsequent stock market returns, so valuations are not a useful measure on which to base investment decisions.
by colin
November 7th, 2018, 3:23 pm
Forum: Gilts and Bonds
Topic: US 10 Year Treasury purchase?
Replies: 20
Views: 779

Re: US 10 Year Treasury purchase?

I just had a look at the performance of my US Treasuries. They have returned about 32% over the last 5 years to end Oct, measured in GBP. The above has no relevance at all to future returns. The thing about Treasuries is that they are what global investors usually pile into during periods of turmoi...
by colin
November 7th, 2018, 11:23 am
Forum: Gilts and Bonds
Topic: US 10 Year Treasury purchase?
Replies: 20
Views: 779

Re: US 10 Year Treasury purchase?

Most investors buy government bonds as a low risk low return investment,foreign currency movements introduce a level of volatility similar to equities but without the long term higher expected return to compensate for the extra risk taken. It's not just the risk of a rise in Sterling v $ but one als...
by colin
October 28th, 2018, 8:24 am
Forum: The Natural World
Topic: winter cometh
Replies: 17
Views: 945

Re: winter cometh

If you are planting Bluebells (your Scottish ones are much better for bees and bugs than the Spanish incomers)then Greater Stitchwort would look good among them with neither overwhelming the other. http://www.wildflowersuk.com/details.asp?ID=143&name=GREATER-STITCHWORT-seeds-(stellaria-holostea)...
by colin
October 27th, 2018, 5:43 pm
Forum: Investment Trusts and Unit Trusts
Topic: Personal Assets v Capital Gearing v RICA?
Replies: 61
Views: 4014

Re: Personal Assets v Capital Gearing v RICA?

Anyway there are lots of companies that will apply predicted returns for different risk levels. None that I’ve seen predict returns vastly different


https://www.sellwoodconsulting.com/2018 ... sumptions/
by colin
October 27th, 2018, 5:27 pm
Forum: Polite Discussions
Topic: What type of value clan do you belong to?
Replies: 17
Views: 484

Re: What type of value clan do you belong to?

Can people really hold diametrically opposite views at the same time?
Top

Absolutely, when you dig down we are all a bundle of contradictions
by colin
October 27th, 2018, 5:23 pm
Forum: The Natural World
Topic: winter cometh
Replies: 17
Views: 945

Re: winter cometh

Any recommendations for vigorous plants that would do well in a shaded community garden?

Wood Cranesbill for dappled shady areas. I bought plug plants from https://www.wildflowershop.co.uk/WF%20P ... 20Wood.htm
Aquilegias, Cyclamens, Ferns for deep shade .
by colin
October 26th, 2018, 6:29 pm
Forum: Investment Trusts and Unit Trusts
Topic: Personal Assets v Capital Gearing v RICA?
Replies: 61
Views: 4014

Re: Personal Assets v Capital Gearing v RICA?

Muddywaters
All joking aside I would say you’ve got no chance of achieving that(7-8%) with a balanced portfolio. I’m sure people have done over the last 10 years but I wouldn’t bank on that going forw

What makes you believe that?
by colin
October 26th, 2018, 10:29 am
Forum: Science
Topic: Unscience
Replies: 7
Views: 546

Re: Unscience

At least she didn't say it's the Ether that's vibrating
by colin
October 22nd, 2018, 2:42 pm
Forum: Polite Discussions
Topic: People's Vote
Replies: 163
Views: 2587

Re: People's Vote

Sorry this is rubbish. Eastern European Labour may be relatively cheap but it isn't that cheap It isn't 'rubbish' ursaminotaur, you are ignorant and do not know what you are talking about, I used to work in a factory and had conversations with management about the compromises they made in order to ...
by colin
October 22nd, 2018, 12:44 pm
Forum: Polite Discussions
Topic: People's Vote
Replies: 163
Views: 2587

Re: People's Vote

GeoffF100 It is not a statement. It is part of a sentence. I did not say that I was a Luddite. Ok this whole sentence then GeoffF100 Employment is near an all time high, and there are plenty of vacancies for unskilled workers. If it were cheaper to use machines, that would be done. It seems odd to ...
by colin
October 22nd, 2018, 10:28 am
Forum: Polite Discussions
Topic: People's Vote
Replies: 163
Views: 2587

Re: People's Vote

Well I pretty much agree with what NeilW has written. Geoff100 Fundamentally it is matter of freedom Except the freedom to choose what the EU cannot allow Geoff100 but welcome competition from machines This statement is economically naive , there is nothing odd about believing that we are all better...
by colin
October 21st, 2018, 12:36 pm
Forum: Polite Discussions
Topic: People's Vote
Replies: 163
Views: 2587

Re: People's Vote

from the Migration Watch website.... Why is the current level of immigration a problem? 8. High net migration has resulted in rapid population growth. The UK population currently stands at 65.6 million. The Office of National Statistics ‘high’ migration scenario projects that the UK population will...
by colin
October 20th, 2018, 7:27 pm
Forum: Polite Discussions
Topic: People's Vote
Replies: 163
Views: 2587

Re: People's Vote

Listened to The Bottom Line radio 4 this PM on shortages to supply chains in business, asked about the threat to his labor supply from BREXIT one of the directors of Nationwide Produce said they had a factory in Lincolnshire employing 100% East European labour. Evan Davies asked him why they did not...
by colin
October 19th, 2018, 5:45 pm
Forum: Investment Strategies
Topic: "Old Money" Trusts?
Replies: 49
Views: 2939

Re: "Old Money" Trusts?

BusyBumBleBee wrote: Not so - volatility is an opportunity to buy at a low price and sell at a higher price. colin wrote What if you have no money left to buy at the lower price because it's all in the market? Lootman wrote If the markets have gone down AND you believe they are heading back up, the...
by colin
October 19th, 2018, 10:32 am
Forum: Music, Theatre, TV and Film
Topic: Doctor Who
Replies: 13
Views: 805

Re: Doctor Who

Don't bother i don't think terminal7 has a sense of humour. It must be an alien life form.
by colin
October 19th, 2018, 10:25 am
Forum: Investment Strategies
Topic: "Old Money" Trusts?
Replies: 49
Views: 2939

Re: "Old Money" Trusts?

Not so - volatility is an opportunity to buy at a low price and sell at a higher price.

What if you have no money left to buy at the lower price because it's all in the market?

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