Search found 393 matches

by gbjbaanb
December 3rd, 2018, 2:10 pm
Forum: Retirement Investing (inc FIRE)
Topic: Help - seem to be going in circles on what to do re retirement investing
Replies: 18
Views: 1974

Re: Help - seem to be going in circles on what to do re retirement investing

I have to think the syndicated commercial property thing returning 5.8% is remarkably low. Given you could buy a REIT (ie an investment trust that invests in property) that returns a fair bit more than that, with more diversified properties, and easier to sell, and can be held in an ISA so none of t...
by gbjbaanb
November 20th, 2018, 10:05 am
Forum: Computers, TVs & Phones
Topic: How best to manage strong passwords?
Replies: 71
Views: 1964

Re: How best to manage strong passwords?

A local database has a similar risk to an online one. A burglar gets it; an online attack while you're online might get it; a person getting an opportunistic moment at your laptop might copy it. An online database is likely to be inherently more secure on account of being professionally managed Tel...
by gbjbaanb
November 17th, 2018, 2:09 pm
Forum: Polite Discussions
Topic: Spectator's analysis of May' deal
Replies: 5
Views: 259

Spectator's analysis of May' deal

No deal is better than a bad deal seems to have morphed into any deal is better than no deal. The Spectator looked at it and found a fee interesting bits in there (besides the usual concessions of sovereignty without any involvement on EU rule-making): The UK must promise never to tax former EU offi...
by gbjbaanb
November 6th, 2018, 4:27 pm
Forum: Other Investing
Topic: Peer to Peer - experiences and risk?
Replies: 59
Views: 6088

Re: Peer to Peer - experiences and risk?

I put a small amount of cash (couple of k) into each of Zopa, and FC nearly 7 years ago, and Thincats 6 years ago. I closed Zopa a while back when they stopped the "direct" lending option and made it just a simple return with no control, or insurance. Over the 6 years it took me to get all...
by gbjbaanb
November 6th, 2018, 2:56 pm
Forum: Share ideas
Topic: Connect Group
Replies: 17
Views: 984

Re: Connect Group

These did very well for me - but only because of the dividend that threw off loads of cash. So now its collapsed in price, the question is not about the past but the future - is it now fairly priced as a company, even if its core business is in slow decline, can they continue to trade well enough to...
by gbjbaanb
November 4th, 2018, 3:30 pm
Forum: Investment Trusts and Unit Trusts
Topic: Personal Assets v Capital Gearing v RICA?
Replies: 60
Views: 4262

Re: Personal Assets v Capital Gearing v RICA?

referenced quote deleted at posters request. What's it going to be like in the next 3 years? Past comparisons are useful to a point, but only to a point. Now considering we've had a massive bull market for the last 10 years, anything that is designed for capital preservation will not have done as w...
by gbjbaanb
November 3rd, 2018, 12:52 pm
Forum: Oil & Gas & Energy (Sector & Companies)
Topic: RedT
Replies: 29
Views: 1638

Re: RedT

There was an interesting article that Meatyfool linked to yesterday on Macro topics in discussing Tesla, and which I thought was also relevant to RedT.: https://seekingalpha.com/article/4213119-tesla-coming-automotive-industry-disruption The very large lumpy nature of lithium cell capacity adds is ...
by gbjbaanb
October 17th, 2018, 9:52 am
Forum: Property Investment Discussions
Topic: Is now the right time to buy?
Replies: 23
Views: 993

Re: Is now the right time to buy?

Put our place in the SE on sale on 3rd Sept. Only two viewings so far. Great time to buy especially for a renter. Ta very much Mr Carney… Not just Carney, but.... Brexit suggests many East Europeans have decided the gravy train has run its course and so now it's the time to go back home with their ...
by gbjbaanb
October 16th, 2018, 6:36 pm
Forum: Gilts and Bonds
Topic: Bonds for SIPP
Replies: 7
Views: 2189

Re: Bonds for SIPP

I'd agree with that - looking at the NCYF, its very volatile - you might as well buy equities. The CMHY was much more stable, like you'd want if investing in bonds.
by gbjbaanb
October 15th, 2018, 3:53 pm
Forum: Investment Trusts and Unit Trusts
Topic: LTBH Income Generating IT Portfolio for comment
Replies: 9
Views: 1279

Re: LTBH Income Generating IT Portfolio for comment

Weeelllll, you should put it all in a tracker. :-) you'll never get away from that, and there is a reason for it, when I looked at CTY I noticed that it was a very middle-of-the-road trust, always being around the index chosen to compare trusts with. So much so, that a FTSE 350 tracker almost perfec...
by gbjbaanb
October 14th, 2018, 12:33 am
Forum: Oil & Gas & Energy (Sector & Companies)
Topic: RedT
Replies: 29
Views: 1638

Re: RedT

Its OK, I understand where you come from with lithium, and I doubt it'll stop being the primary storage tech, but there's little investment case for it as I would say its already priced in (assuming Tesla doesn't go bust!), whereas the alternatives (assuming they don't go bust too) is more compellin...
by gbjbaanb
October 13th, 2018, 6:35 pm
Forum: Oil & Gas & Energy (Sector & Companies)
Topic: RedT
Replies: 29
Views: 1638

Re: RedT

Lets assume that Tesla is making so much lithium packs that they have to give them away. The problem is that they still cost, partly that they have to over-spec the capacity (at 70%) in order to make them last more than a few years, the other is that the packs will wear out on a continual basis (dep...
by gbjbaanb
October 13th, 2018, 5:31 pm
Forum: Investment Trusts and Unit Trusts
Topic: Four ITs that have done better than most in last 2 years
Replies: 6
Views: 1111

Re: Four ITs that have done better than most in last 2 years

I hadn't seriously considered Smithson, although I did read the thread for a while. Will take another look once I'm back to full health and the brain is back in gear. Thanks again for your thoughts Spiderbill Consider Smithson, even if its for a short-term trade. Although this doesn't apply as much...
by gbjbaanb
October 12th, 2018, 10:49 am
Forum: Investment Trusts and Unit Trusts
Topic: Four ITs that have done better than most in last 2 years
Replies: 6
Views: 1111

Re: Four ITs that have done better than most in last 2 years

I guess its all a case of when you bought them that matters. For future options.. who knows! I do know that 3i (the parent to 3i infrastructure) has done very well for me, but a thread on this forum about those that beat the index shows that many do not perform well at all. Better to hold the index ...
by gbjbaanb
October 12th, 2018, 10:30 am
Forum: Oil & Gas & Energy (Sector & Companies)
Topic: RedT
Replies: 29
Views: 1638

Re: RedT

The Lithium packs need more maintenance than vanadium which comes in closed boxes, as long as the pumps work, there's little to no maintenance required. And changing a pump isn't too hard a job anyway! Lithium products need constant monitoring to environmental concerns - too cold and they stop worki...
by gbjbaanb
October 10th, 2018, 11:11 am
Forum: Investment Trusts and Unit Trusts
Topic: Which trusts have beaten the FTSE All-Share?
Replies: 5
Views: 941

Re: Which trusts have beaten the FTSE All-Share?

Things come and go, eg Chelverton (SDV) is listed as one of those beating the index with 67% return. But over 1 year, its down -17% (compared to -0.6% for the average). So as they say, past performance is not reflection on what you might get in the future. The only thing of real interest was that Ci...
by gbjbaanb
October 10th, 2018, 10:43 am
Forum: Oil & Gas & Energy (Sector & Companies)
Topic: RedT
Replies: 29
Views: 1638

Re: RedT

why has lithium been adopted by folk like Tesla Unless I've missed recent advances during a very quick scan of some of the links, is it not the case that vanadium flow batteries have significantly lower energy density than solid Li? They appear have some advantages, but while they may be suitable f...
by gbjbaanb
October 9th, 2018, 11:45 pm
Forum: Gilts and Bonds
Topic: Hello Heylo
Replies: 1
Views: 430

Hello Heylo

From ORB today: Heylo Housing Secured Bond plc announces 1.625% sterling denominated RPI linked retail bond issue due to mature in 2028 RPI is 3.5% currently, though fluctuated between 1 and 5% Helyo buys properties and then sells them under shared ownership schemes, apparently been going since 2014...
by gbjbaanb
October 9th, 2018, 10:54 am
Forum: Oil & Gas & Energy (Sector & Companies)
Topic: RedT
Replies: 29
Views: 1638

Re: RedT

The German sale of 1600 units means this company is different, while in the past they were speculative, this one item changes things. Any preconceived ideas about the tech or company must be re-evaluated since then. Other considerations around tech or competitors are often pointless, its all about t...
by gbjbaanb
October 8th, 2018, 8:15 pm
Forum: Oil & Gas & Energy (Sector & Companies)
Topic: RedT
Replies: 29
Views: 1638

Re: RedT

I think so too, but whilst I originally invested because I am keen on sustainable tech for the future, in this case the H1 results suggest that H2 will present quite a different story to the "startup" phase that its been in for a while. In addition to the 37 machines they refer to in the r...

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