Search found 86 matches

by pds2008
September 10th, 2019, 10:50 am
Forum: Retirement Investing (inc FIRE)
Topic: Measuring Expenditure in Retirement
Replies: 8
Views: 887

Measuring Expenditure in Retirement

I have been looking at my regular expenditure now that I have retired and compared it to my original expectations when planning my income in retirement. I retired in 2018 aged 54 and am now entering my second year without working. I am posting this because some of the facts about my current expendit...
by pds2008
September 2nd, 2019, 4:41 pm
Forum: Investment Trusts and Unit Trusts
Topic: Next IT Selection
Replies: 7
Views: 1027

Re: Next IT Selection

Morning all You could look at JPGI, a Global G&I trust. It includes Europe, though has a larger focus on the US. (Your existing holding of MYI has a low exposure to the US so JPGI would provide some balance to that). Or alternatively HINT another Global G&I trust, which has c 40% exposure t...
by pds2008
September 2nd, 2019, 4:35 pm
Forum: Investment Trusts and Unit Trusts
Topic: Next IT Selection
Replies: 7
Views: 1027

Re: Next IT Selection

JPMorgan European Investment Trust (JETI) is my current choice for European income. Recent capital performance hasn’t been great however dividend growth is above inflation and can currently be bought on an 11% discount. Cheers, Juan. Thanks - Can you explain about how to access this with the 11% di...
by pds2008
September 2nd, 2019, 9:52 am
Forum: Investment Trusts and Unit Trusts
Topic: Next IT Selection
Replies: 7
Views: 1027

Next IT Selection

Morning all My current holdings of IT's are CTY, MRCH, HHI, HFEL and MYI. Looking to bolster this selection in the next couple of weeks with one or two others. I am keen on a reasonable level of income but my primary aim is to keep a good balance of funds. Thinking about at least one of these to hav...
by pds2008
August 7th, 2019, 12:34 pm
Forum: Sports Bar (all sports)
Topic: Fantasy Football
Replies: 7
Views: 914

Fantasy Football

Is there a LF fantast football league this year?

Yell
by pds2008
July 2nd, 2019, 7:51 pm
Forum: Retirement Investing (inc FIRE)
Topic: I think i can retire early?
Replies: 47
Views: 5533

Re: I think i can retire early?

I retired last year at the age of 55 - could have carried on but I lost my dad and my sister at the same time and realised life is too short to eke out another year of work for a bit more "peace of mind". Most of last year was taken up with buying/selling property and moving from Scotland ...
by pds2008
June 28th, 2019, 3:45 pm
Forum: Investment Strategies
Topic: What return are you targeting?
Replies: 91
Views: 7243

Re: What return are you targeting?

I am 55 and retired - looking for income. Currently my income is split roughly 50/50 between a SIPP in drawdown and dividends. I am seeking 5.5% return after allowing for fees; I then reinvest 2% to cover inflation and keep the remainder. In about 4 years my requirements for income from dividends wi...
by pds2008
June 22nd, 2019, 11:30 am
Forum: Portfolio Management & Review
Topic: Portfolio Status - Next Steps
Replies: 7
Views: 995

Re: Portfolio Status - Next Steps

I am nervous about converting any more cash this side of Brexit, and am currently looking at options for my next purchases. Personally I would question this tactic with your portfolio construction. Although I have opinions on Brexit I pretend no knowledge as to the outcomes or how well they have be...
by pds2008
June 18th, 2019, 1:02 pm
Forum: Portfolio Management & Review
Topic: Portfolio Status - Next Steps
Replies: 7
Views: 995

Re: Portfolio Status - Next Steps

Looks like a good spread to me, the only obvious flaw might be Vodafone. You are obviously cautious with 13.5% in bond funds and a big slug of cash on the sidelines. I would be inclined to get the cash working (Subject of course to a decent buffer) and drop the bond funds to no more than 10%. You c...
by pds2008
June 18th, 2019, 12:07 pm
Forum: Portfolio Management & Review
Topic: Portfolio Status - Next Steps
Replies: 7
Views: 995

Portfolio Status - Next Steps

Afternoon all The table below shows my current holdings which amount to 76% of all assets - the remainder is in cash. Some holdings have been held for 10 years or more but many are newly held, especially the IT's. I have been drip feeding into this portfolio over the last year since retiring in 2018...
by pds2008
June 11th, 2019, 1:18 pm
Forum: Comfort Cafe
Topic: G.
Replies: 29
Views: 4795

Re: G.

Didds I sympathise with your situation. I can offer the story of my older brother. I will simply tell you the story as it occurred as his situation is not exactly the same as your son's. But there were various decision points for him and my parents which took him down a certain path that may or may ...
by pds2008
June 11th, 2019, 12:45 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: IanTHughes HYP - June 2019 Top-ups
Replies: 43
Views: 3694

Re: IanTHughes HYP - June 2019 Top-ups

Apropos of that, here is the change in SP for my portfolio constituents since Jan 1st. [pre]Epic Change RIO 22.98% MARS 22.70% DGE 21.75%.... TJH TJH I am much newer to this game and hold a smaller HYP (13 FTSE share holdings, 7 IT's). I was just doing a quick check to see if your larger HYP contai...
by pds2008
June 9th, 2019, 9:38 pm
Forum: Airport Lounge
Topic: Going away for Christmas
Replies: 15
Views: 4007

Re: Going away for Christmas

Longer flight than Savannah but Taiwan is worth a shout. About half as big again as Wales, it’s a very modern, highly efficient country - so little in terms of old architecture save for temples - but ... great value hotels, loads of good food options, “open” all the time except Chinese New Year, pl...
by pds2008
June 5th, 2019, 12:03 pm
Forum: Airport Lounge
Topic: Going away for Christmas
Replies: 15
Views: 4007

Re: Going away for Christmas

Thanks for the responses.

I'll look into Savannah (have relatives in Atlanta so could combine a visit). I'll also do a bit of research into Bangkok/Chiang Mai. Option 3 is Okinawa and outlying islands - love Japan and December temps are 16-22 c so avoiding the chills on the mainland.

Yell
by pds2008
June 3rd, 2019, 4:23 pm
Forum: Airport Lounge
Topic: Going away for Christmas
Replies: 15
Views: 4007

Going away for Christmas

This year I would like to try Christmas away from home, and I would be interested in a few suggestions. I will be travelling alone (am perfectly comfortable with this). I do not want a beach holiday, preferring cities or towns. On the other hand, I do not really want to be freezing my *x@!'s off eit...
by pds2008
May 27th, 2019, 1:55 pm
Forum: Airport Lounge
Topic: Why are passengers treated so badly?
Replies: 14
Views: 1168

Re: Why are passengers treated so badly?

Firstly, the homeless who sleep in airports and who are not delayed fare paying travellers, are tramps, and they are freeloading on the facilities in the airport. Definition A tramp is a long-term homeless person who travels from place to place as a vagrant . It is up to the country as a whole to a...
by pds2008
May 25th, 2019, 3:48 pm
Forum: Airport Lounge
Topic: Why are passengers treated so badly?
Replies: 14
Views: 1168

Re: Why are passengers treated so badly?

I don't see where compassion comes into it. It was an airport, designed for the transit of passengers from surface transport to planes. When the planes can't fly (a frequent occurrence in Europe), there should be some reasonable basic accommodation for fare paying passengers, tired, hungry, often e...
by pds2008
May 24th, 2019, 8:03 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Marks and Spencer Finals
Replies: 91
Views: 7210

Re: Marks and Spencer Finals

M&S represent about 2% of my HYP and my holding has not changed since 2007. Back then I used to be a regular customer of food, clothing, even currency. Now I am, at best, a monthly food shopper. However, I have noticed an positive change in the clothing options (personal choice) and have started...
by pds2008
May 24th, 2019, 7:46 pm
Forum: Airport Lounge
Topic: Why are passengers treated so badly?
Replies: 14
Views: 1168

Re: Why are passengers treated so badly?

GoSeigen wrote:
pds2008 wrote:No - in my world I know enough about the stories of many homeless people to dismiss them as tramps and freeloaders. Have some compassion.


Hah, do you realise who you're asking to have compassion?!!

GS



No - should I?
by pds2008
May 23rd, 2019, 2:16 pm
Forum: Airport Lounge
Topic: Why are passengers treated so badly?
Replies: 14
Views: 1168

Re: Why are passengers treated so badly?

No - in my world I know enough about the stories of many homeless people to dismiss them as tramps and freeloaders. Have some compassion.

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