Search found 124 matches

by tikunetih
November 6th, 2019, 8:19 pm
Forum: Building and DIY
Topic: Wood burners and their fuel
Replies: 18
Views: 1315

Re: Wood burners and their fuel

To get around the consistency issue and reduce the manual work, I largely switched to burning briquettes/heat logs in place of logs, as being a manufactured item they come with a set and extremely low moisture content, and because of their shape also stack and store in a very space efficient manner....
by tikunetih
October 14th, 2019, 6:30 pm
Forum: Retirement Investing (inc FIRE)
Topic: Update from Jacob ERE
Replies: 2
Views: 1642

Update from Jacob ERE

A bunch of you will be familiar with Jacob Lund Fisker who wrote the ERE blog back in the day. Well, he recently posted an update on what he's been doing with his life since:

https://www.getrichslowly.org/early-retirement-extreme/
by tikunetih
October 14th, 2019, 2:11 pm
Forum: Retirement Investing (inc FIRE)
Topic: How To Stop Worrying
Replies: 21
Views: 2918

Re: How To Stop Worrying

Less risk = greater chance of capital preservation = lower returns. So, to sleep well and night and not worry I am slowly having to come to terms with accepting lower returns. eg. Over the first decade of my RE when very pro-actively managing my portfolio for maximum return I achieved an XIRR of ~2...
by tikunetih
October 14th, 2019, 11:19 am
Forum: Food
Topic: Sourdough Bread.
Replies: 8
Views: 1573

Re: Sourdough Bread.

I eat sourdough almost exclusively now. Mostly homemade by my partner using a starter culture she maintains (using mainly stoneground flour inc. rye); a chunk of this, plus additional flour, water and salt then goes into a Panny breadmaker, which does the mixing and baking using the 6hr French loaf ...
by tikunetih
September 27th, 2019, 4:56 pm
Forum: Investment Strategies
Topic: US shares
Replies: 43
Views: 3202

Re: US shares

Right now today though - nothing. US market looks very toppy I agree that the US market looks toppy at the moment Agree that US stocks ARE indeed looking very toppy ATM. With the caveats that my investing opinions are probabilistic (shades of grey, not black/white), that I have strong opinions, wea...
by tikunetih
September 23rd, 2019, 4:10 pm
Forum: Retirement Investing (inc FIRE)
Topic: Are huge charges inevitable?
Replies: 26
Views: 2952

Re: Are huge charges inevitable?

I'd expected to pay a bit more in charges. But the proposed portfolios would rack up over £4,000 per year, adding an extra AMC of about 0.35% You need to explain the situation in more detail. 1. Because of your use of the terms "extra AMC", I assumed you meant that the specific proposed p...
by tikunetih
September 23rd, 2019, 11:07 am
Forum: Retirement Investing (inc FIRE)
Topic: Are huge charges inevitable?
Replies: 26
Views: 2952

Re: Are huge charges inevitable?

The pro recommended consolidating around a mix of active and passive funds, one portfolio for each of us (we have different attitudes to risk). - Listing the model portfolios along with their component charges figures should help solicit feedback - Ignoring the cash element, what's the weighted ave...
by tikunetih
September 16th, 2019, 9:41 am
Forum: Retirement Investing (inc FIRE)
Topic: Thinking of retiring early @55
Replies: 22
Views: 4313

Re: Thinking of retiring early @55

a conservatively invested portfolio all in equities Just checking on the terminology here: few people in the mainstream investing world would describe any 100% equity portfolio as a "conservatively invested portfolio", bearing in mind the potential for >50% drawdowns. If we include your 2...
by tikunetih
September 12th, 2019, 7:52 pm
Forum: Investment Strategies
Topic: Emergency Fund in Lifestratehy 60?
Replies: 8
Views: 2771

Re: Emergency Fund in Lifestratehy 60?

2. Requires stock and bond markets to have collapsed simultaneously, doesn't it? My thinking is as follows; assume 100K invested in LS60, this gives you 60K in equities, 40K in bonds. Assume stock market halves in a day and bond market is flat, you now have 30K in equities and 40K in bonds. You've ...
by tikunetih
September 7th, 2019, 1:49 pm
Forum: Investment Trusts and Unit Trusts
Topic: Proportion of portfolio in Investment Trusts
Replies: 55
Views: 5188

Re: Proportion of portfolio in Investment Trusts

Build a diversified portfolio of ITs to produce a dividend income equal to my salary at retirement (additionally I have a current and frozen DB pension, my wife is 100% SIPP), so about half of our current joint income. Also to create a capital value substantial enough to pay any care fees in later ...
by tikunetih
September 7th, 2019, 8:02 am
Forum: Investment Trusts and Unit Trusts
Topic: Proportion of portfolio in Investment Trusts
Replies: 55
Views: 5188

Re: Proportion of portfolio in Investment Trusts

What I meant is I have a carefully constructed Excel file with data links pulling in every data point about my ITs e.g asset class, geographic data, top underlying holdings, dividend, AIC sectors, charges, gearing etc. All modelled against my target allocations both current and future projections. ...
by tikunetih
September 6th, 2019, 11:58 pm
Forum: Investment Trusts and Unit Trusts
Topic: Proportion of portfolio in Investment Trusts
Replies: 55
Views: 5188

Re: Proportion of portfolio in Investment Trusts

For me I have been on a long term journey reducing my share buying from 100% shares since the early 1980's to 95%+ today in Investment trusts. ... Our portfolios today are 2 shares (mid cap housebuilder and micro cap US pharmaceutical) and 51 investment trusts . Maybe that's too many? (Another topi...
by tikunetih
September 6th, 2019, 2:39 pm
Forum: Retirement Investing (inc FIRE)
Topic: BIG decision to make!
Replies: 55
Views: 5493

Re: BIG decision to make!

Moot point tbh, HL are financial advisers: https://www.hl.co.uk/financial-advice and wether they are IFAs or not doesn't change the sentiment I was expressing. Agreed, I was making that point independent of this thread's context or the point you were making... Instead, it was to ensure that no one,...
by tikunetih
September 6th, 2019, 2:29 pm
Forum: Investment Trusts and Unit Trusts
Topic: Personal Assets v Capital Gearing v RICA?
Replies: 140
Views: 13542

Re: Personal Assets v Capital Gearing v RICA?

No problem.

From what I recall, also added over the past ~year-ish or so were Société Bic and before that AMEX.

Don't hold me to that though, as I don't follow this closely! It's just what I vaguely recall from reading Troy fact sheets from time to time...
by tikunetih
September 6th, 2019, 2:06 pm
Forum: Retirement Investing (inc FIRE)
Topic: BIG decision to make!
Replies: 55
Views: 5493

Re: BIG decision to make!

...I would ask HL or any other IFA to show me. To clarify, because that sentence is a little ambiguous, HL are not IFAs. Regarding the OP talking to H[&]L about the transfer, he may find aspects of this (lengthy!) recent thread relevant, as it's about someone paying HL for a Transfer Value Anal...
by tikunetih
September 6th, 2019, 1:27 pm
Forum: Retirement Investing (inc FIRE)
Topic: BIG decision to make!
Replies: 55
Views: 5493

Re: BIG decision to make!

The upshot of the above is that: 1. the OP is most unlikely to be transferring out of his DB scheme 2. and that is highly likely to be the most appropriate outcome for him I am interested in the OP's reference to H[&]L. Hopefully nothing in relation to exploring the above is current being paid t...
by tikunetih
September 6th, 2019, 1:02 pm
Forum: Retirement Investing (inc FIRE)
Topic: FIRE hits The Guardian
Replies: 17
Views: 5571

Re: FIRE hits The Guardian

runnygum wrote:My Wife and I fulled FIRE'd a few years ago. Zero work, zero side income. Proper retired.
Im now a full time sports person. Travel the world and compete until I break down.



Only just noticed this post. Excellent, runnygum - good "work"!

What's the sport, some form of running?
by tikunetih
September 6th, 2019, 12:16 pm
Forum: Investment Trusts and Unit Trusts
Topic: Personal Assets v Capital Gearing v RICA?
Replies: 140
Views: 13542

Re: Personal Assets v Capital Gearing v RICA?

I think the equity weighting has been in the same "rough ballpark" for quite some time. Anyone familiar with the portfolio manager will also be familiar with their rationale, so no further comment required there (you take it or leave it). I believe Medtronic was the last addition (May '19)...
by tikunetih
September 6th, 2019, 11:39 am
Forum: Investment Trusts and Unit Trusts
Topic: Personal Assets v Capital Gearing v RICA?
Replies: 140
Views: 13542

Re: Personal Assets v Capital Gearing v RICA?

FYI

Appears Troy has begun adding Google to their Trojan*/PNL portfolios:

https://patplc.co.uk/portfolio


*Assuming this'll get a mention in their forthcoming Aug Factsheet
by tikunetih
September 6th, 2019, 11:32 am
Forum: Retirement Investing (inc FIRE)
Topic: BIG decision to make!
Replies: 55
Views: 5493

Re: BIG decision to make!

Looking for some guidance pls as there seems to be some amazing helpful posters on here. Hope this is the right board- if not pls advise. The following is the best place to ask on this specific subject: https://forums.moneysavingexpert.com/forumdisplay.php?f=19 Please post your same question over t...

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