Search found 236 matches

by Hariseldon58
January 23rd, 2019, 9:35 pm
Forum: Passive Investing
Topic: Falling Pound -Global Passive Equity
Replies: 6
Views: 1046

Re: Falling Pound -Global Passive Equity

With regard to the hedging of your global ETF, I rather suspect that the true additional costs of hedging are likely to be well above 0.1%pa.

Predicting currency movements is very tricky... :D
by Hariseldon58
January 22nd, 2019, 12:06 am
Forum: Investment Strategies
Topic: If you had £10K to invest
Replies: 11
Views: 614

Re: If you had £10K to invest

@monrobi

Little bit cheaper Vanguard Developed World VEVE ( 0.18%) PLUS Vanguard Emerging Market VFEM choose your own ratios.
by Hariseldon58
January 18th, 2019, 4:49 pm
Forum: Passive Investing
Topic: iambic Portfolio - any thoughts welcome please
Replies: 20
Views: 828

Re: iambic Portfolio - any thoughts welcome please

The danger of "learning about the market" is the idea that the individual will 'learn' and achieve an edge on the market. There is a real danger of a 'little knowledge is a dangerous thing', investing is interesting for a small number of people, many of whom frequent boards like this. Hard...
by Hariseldon58
January 18th, 2019, 4:37 pm
Forum: Investment Trusts and Unit Trusts
Topic: Evaluating IT share performance
Replies: 3
Views: 530

Re: Evaluating IT share performance

Mid market price is probably easiest....
by Hariseldon58
January 18th, 2019, 4:36 pm
Forum: Investment Trusts and Unit Trusts
Topic: Witan giving up admin of Savings schemes
Replies: 6
Views: 638

Re: Witan giving up admin of Savings schemes

I am surprised that the regular saving schemes have continued as long as they have, I imagine the administrative effort is considerable. I benefitted hugely from them in the 90's and early 2000's for regular investments. The advent of the online brokers was bound to end these sooner than later. Well...
by Hariseldon58
January 3rd, 2019, 11:33 pm
Forum: Passive Investing
Topic: VEVE (Vanguard FTSE Developed World)
Replies: 7
Views: 499

Re: VEVE (Vanguard FTSE Developed World)

ETFs ebb and flow in size and they publish daily (as I unde) what is required for a basket of shares to come in and out of the ETF. Vanguard will want to minimise tracking error and will no doubt have enormous expertise in doing so at minimal cost. It’s one thing we don’t have to worry about :D
by Hariseldon58
January 3rd, 2019, 11:29 pm
Forum: Passive Investing
Topic: International / Global Index ETFs
Replies: 15
Views: 726

Re: International / Global Index ETFs

Ishares have a developed world ETF swda
by Hariseldon58
January 3rd, 2019, 11:25 pm
Forum: Investment Strategies
Topic: should be mandatory reading for everyone interested in finance
Replies: 62
Views: 2565

Re: should be mandatory reading for everyone interested in finance

:D @HiRiskPaul Well in the passive/active debate I like both. There are times , the last few years prior to this summer where you only need be along for the ride. As private investors I can go against the trend if I feel confident and using active ITs it’s more a question of being able to avoid some...
by Hariseldon58
January 1st, 2019, 8:33 pm
Forum: Investment Strategies
Topic: should be mandatory reading for everyone interested in finance
Replies: 62
Views: 2565

Re: should be mandatory reading for everyone interested in finance

I have 30+ downloads of the AIC Stats from 2007 to 2017 unfortunately they do not provide much extra info, as they do not cover the relevant months for the apparent discrepancy, found for 10 year returns on the interactive stats page. There has been quite a few changes in the Global Growth sector ov...
by Hariseldon58
December 29th, 2018, 12:15 pm
Forum: Investment Strategies
Topic: should be mandatory reading for everyone interested in finance
Replies: 62
Views: 2565

Re: should be mandatory reading for everyone interested in finance

@colin Nothing wrong with index investing, I do it myself, alongside other strategies. It’s not the only rational investment process. Investors as a whole can be irrational , Ben Graham’s “Mr Market” Take a look at the stats on the AIC website and compare them with the relevant benchmarks. The Month...
by Hariseldon58
December 26th, 2018, 1:34 pm
Forum: Investment Trusts and Unit Trusts
Topic: The Investment Trusts Handbook 2019
Replies: 12
Views: 1868

Re: The Investment Trusts Handbook 2019

Interesting , many thanks for the link.

I found no registration was required for kindle version and it mentioned emailing the file to your kindle email address, I downloaded the file on iPad and opened with kindle and all worked fine.
by Hariseldon58
December 19th, 2018, 6:11 pm
Forum: Retirement Investing (inc FIRE)
Topic: Help - seem to be going in circles on what to do re retirement investing
Replies: 31
Views: 3615

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

In respect of the income requirement from ISA’s , I would take a look at the John Baron portfolios , a collection of Investment Trust portfolios covering income growth etc. The Autumn portfolio might appeal, the site is behind a paywall but you can have a free week if you register. Plenty of useful ...
by Hariseldon58
December 10th, 2018, 10:07 am
Forum: Investment Strategies
Topic: Santa Rally? Ho Ho Ho.
Replies: 16
Views: 1664

Re: Santa Rally? Ho Ho Ho.

@tjh

In April 2008 I sold my HYP and moved back to ITs and thus maintaining a healthy dividend income flow.

As I recollect some of the ITs were attractively priced.
by Hariseldon58
December 9th, 2018, 7:32 pm
Forum: Passive Investing
Topic: Vanguard Factor Funds
Replies: 7
Views: 1601

Re: Vanguard Factor Funds

An accumulating ETF reinvests the dividend , it is not lost If you hold the ETF in a taxable account you need to account for this income to HMRC. You need to visit the providers website to see the amount of ERI ( Excess Reportable Income) A quirk of the rules is that if you hold the ETF at the end o...
by Hariseldon58
December 9th, 2018, 7:10 pm
Forum: Investment Strategies
Topic: Santa Rally? Ho Ho Ho.
Replies: 16
Views: 1664

Re: Santa Rally? Ho Ho Ho.

@toofast2live

My experience was that dividends held up well in the 2008 crisis.
A cash reserve of course is very reassuring !
by Hariseldon58
December 7th, 2018, 11:23 pm
Forum: Investment Trusts and Unit Trusts
Topic: Income vs Growth IT Performance
Replies: 23
Views: 2061

Re: Income vs Growth IT Performance

Regarding Growth Vs Income ITs My original investing from 1990 onwards was ITs and Income ITs were very satisfactory for many years. I thought they became less appealing around 2011 or so and slowly moved to an almost total passive approach with global ETFs. This has worked well and clearly the grow...
by Hariseldon58
December 3rd, 2018, 4:24 pm
Forum: Portfolio Management & Review
Topic: Portfolio Review Risk-Off
Replies: 15
Views: 1144

Re: Portfolio Review Risk-Off

buy the regional trackers to bring down the portfolio cost down to 0.19 Cost is important but a reduction from 0.28 to 0.19 is not hugely significant, unless your portfolio is very large. With any ETF/Fund they all have costs associated with transactions and foreign with holding taxes etc that ofte...
by Hariseldon58
November 29th, 2018, 5:06 pm
Forum: Retirement Investing (inc FIRE)
Topic: Help - seem to be going in circles on what to do re retirement investing
Replies: 31
Views: 3615

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

@Sealives There has been some sensible advice that would work and if you balanced the approaches as you suggest it is very likely to work just great. I have had 11 years living off investments and am probably a few months older. Why not try a free sample of the John Baron Portfolios web page , lots ...
by Hariseldon58
November 27th, 2018, 5:40 pm
Forum: Investment Strategies
Topic: "UK equity market descends into ‘uninvestable’ zone"
Replies: 27
Views: 2246

Re: "UK equity market descends into ‘uninvestable’ zone"

From the viewpoint of a Non Sterling investor, they see deep political uncertainty, the likelihood that the currecncy could fluctuate 10 -15%, either way and how companies will fare. It will feel unattractive. From a UK based investor point of view, we are less worried about the currency factor. If ...
by Hariseldon58
November 26th, 2018, 8:55 pm
Forum: Company Analysis
Topic: Benjamin Graham's stock valuation methods
Replies: 2
Views: 378

Re: Benjamin Graham's stock valuation methods

From “Intelligent Investor” Value = Current (Normal) Earnings × (8.5 plus twice the expected annual growth rate) The growth figure should be that expected over the next seven to ten years. The footnote states that the formula does NOT give the true value of a growth stock but an approximation of mor...

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