Search found 734 matches

by TUK020
September 19th, 2019, 7:25 am
Forum: Retirement Investing (inc FIRE)
Topic: BIG decision to make!
Replies: 44
Views: 2137

Re: BIG decision to make!

Maybe another option is to transfer my DC pot into my DB pot which is allowed Is your DB scheme still open then? And if so, you think you can transfer your DC pot (which can quite correctly be described as a 'pot' because it's your own fund) into your DB scheme (which cannot correctly be described ...
by TUK020
September 19th, 2019, 7:20 am
Forum: Retirement Investing (inc FIRE)
Topic: FIRE Puzzle
Replies: 8
Views: 430

Re: FIRE Puzzle

I think there is a much bigger perspective that the OP needs to take into account. At age 30, your future uncertainty is much much greater - for all you know, in 5 years time you could have met someone and be wanting to start a family, or have had a life changing medical experience that leaves you w...
by TUK020
September 16th, 2019, 7:53 am
Forum: Retirement Investing (inc FIRE)
Topic: Thinking of retiring early @55
Replies: 15
Views: 920

Re: Thinking of retiring early @55

I figured we could sell the house when we were 90 and rent using the proceeds. One observation I have made from my own late father and others is that old age carries a certain inertia. If you haven't downsized by 65, you probably never will. Selling and moving into rented accommodation at 90 will b...
by TUK020
September 16th, 2019, 7:30 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: Eisman shorts HSBC and STAN
Replies: 28
Views: 744

Re: Eisman shorts HSBC and STAN

Any thoughts? As a result of the Carillion debacle, I now regularly check the short tracker https://shorttracker.co.uk/companies/?sort=2&d=desc No scientifically generated cut off figure, but plucked out of the air - i don't hold anything with more than 5% shorting from a peace of mind perspect...
by TUK020
September 15th, 2019, 7:29 am
Forum: High Yield Shares & Strategies - general
Topic: Selling Unilever?
Replies: 50
Views: 1635

Re: Selling Unilever?

If you systematically sell 1% of your portfolio for income every quarter, you’re not timing the market, any more than if you make monthly savings. Would you be suggesting selling 1% of each holding, each quarter? or rotating the sales per holding? I would worry that the theoretical approach would i...
by TUK020
September 12th, 2019, 6:47 pm
Forum: High Yield Shares & Strategies - general
Topic: Selling Unilever?
Replies: 50
Views: 1635

Re: Selling Unilever?

the problem with super reliable growth shares, that have a lower yield (but which is tolerable due to earnings growth) is when the growth stops, and they fall off their 'quality earnings' pedestal, and then get de-rated by the market. thinking RR, RB, Tesco, Cobham, etc as some of my own scar tissue...
by TUK020
September 12th, 2019, 6:35 pm
Forum: Laughing Lemons
Topic: Brexit Beer Deal
Replies: 8
Views: 543

Re: Brexit Beer Deal

Brexit Beer Deal #2 A man goes into a bar and asks for a beer. He's served a beer, but it's one he doesn't like. He complains and says 'this isn't what I ordered'. The barman says 'you ordered a beer and that's what I gave you. You didn't say which beer'. The man grumbles, and then asks for some sc...
by TUK020
September 12th, 2019, 7:28 am
Forum: Macro and Global Topics
Topic: Musk endeavours
Replies: 3173
Views: 102199

Re: Musk endeavours

VW has unveiled a new version of its all-electric e-up! city car at this year’s Frankfurt Motor Show, with a claimed range of 162 miles ...The revised Volkswagen e-up! will go on sale in January 2020, with prices starting from around £23,000 (before the Government’s £3,500 plug-in car grant has bee...
by TUK020
September 8th, 2019, 8:09 am
Forum: Investment Trusts and Unit Trusts
Topic: Adding an IT portfolio to a HYP - suggestions
Replies: 22
Views: 2722

Re: Adding an IT portfolio to a HYP - suggestions

vrdiver wrote:Comments welcome!

VRD


Question rather than comment:
Is the reasoning behind this selection to get additional diversification from the FTSE100 pool of HYP typical choices?
by TUK020
September 8th, 2019, 8:01 am
Forum: Investment Trusts and Unit Trusts
Topic: Proportion of portfolio in Investment Trusts
Replies: 55
Views: 2743

Re: Proportion of portfolio in Investment Trusts

tjh290633 wrote: If and when I move into ITs, then I think 10 will be my absolute limit.

TJH


Terry,
Is that number an intuitive choice, or is there a chain of reasoning behind it?
TUK020
by TUK020
September 3rd, 2019, 11:48 am
Forum: Bitter Lemons
Topic: Jetwash Jimmy. Has his apparatus frozen?
Replies: 7
Views: 1057

Re: Jetwash Jimmy. Has his apparatus frozen?

panamagold wrote:
Argh, work it out for yourself. Why should I bust my bollox explaining it all.


recovered yet?
by TUK020
September 3rd, 2019, 8:08 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: Selling large part of HYP portfolio - guidance
Replies: 14
Views: 1423

Re: Selling large part of HYP portfolio - guidance

I would go through two different exercises, each represent a different thought process, and then compare the outcomes. Exercise 1: pruning list a) list ones that you would sell out of because they are tiddler holdings b) list ones where you have worries about their safety/sustainability (eg WG posit...
by TUK020
September 2nd, 2019, 7:21 am
Forum: Polite Discussions
Topic: John McDonnell: Marxist expropriation risk
Replies: 21
Views: 620

Re: John McDonnell: Marxist expropriation risk

In the US this would not be a viable threat because it would be regarded as a "taking" and, as such, the government would have to pay full compensation. More to the point, in the US of A, a lot of property owners would feel entitled to defend their property rights with firearms. It would ...
by TUK020
August 31st, 2019, 8:58 am
Forum: Laughing Lemons
Topic: Thief
Replies: 10
Views: 894

Re: Thief

work in an Open Office?
by TUK020
August 31st, 2019, 8:57 am
Forum: Investment Strategies
Topic: What's your investment personality?
Replies: 38
Views: 1592

Re: What's your investment personality?

got all the way to the end, and then it asked for my email address. Don't need more spam
by TUK020
August 28th, 2019, 11:34 am
Forum: Retirement Investing (inc FIRE)
Topic: When to stop/reduce pension contributions and rely on growth?
Replies: 21
Views: 1439

Re: When to stop/reduce pension contributions and rely on growth?

Thanks, that is a neat way to think about it, although for a) I doubt I'll be a basic rate tax payer although to some extent that is going to be up to me. For b), my wife has a DB public sector - will need to check whether this can be boosted but I suspect not. Even if she has a DB pension scheme, ...
by TUK020
August 27th, 2019, 6:10 pm
Forum: High Yield Shares & Strategies - general
Topic: Moving to HY ITs from HYP.
Replies: 11
Views: 1199

Re: Moving to HY ITs from HYP.

I was wondering what others have been doing as there has been quite a few threads and posts of people moving in the IT direction? I am 58, and now have about 25% of my total portfolio in ITs: City of London (CTY) F&C Investment Trust (FCIT) Henderson Far East (HFEL) HICL Infrastructure Law Debe...
by TUK020
August 27th, 2019, 5:53 pm
Forum: Retirement Investing (inc FIRE)
Topic: When to stop/reduce pension contributions and rely on growth?
Replies: 21
Views: 1439

Re: When to stop/reduce pension contributions and rely on growth?

2 other points to consider: a) Tax rate now vs. likely tax rate when drawing pension b) same, but for spouse. a) Pensions are great if you have a big difference in tax rate likely. If you are earning >100k, but <123k, your marginal tax + NI rate is 62%. If you are going to be a basic rate tax payer ...
by TUK020
August 26th, 2019, 8:40 am
Forum: High Yield Shares & Strategies - general
Topic: HSBC - Good time to top-up ?
Replies: 50
Views: 2653

Re: HSBC - Good time to top-up ?

Hi All, Well Trumps latest tirade has brought markets down with a thump today. Hang Seng down ~3% (HSBC down ~2.5% there), Singapore down ~1.65%, Australia down 1.4%. IG has the FTSE down 1.2% and STOXX 50 down 0.8% as I write this, but these were off 1.5% earlier. US Futures are recovering a bit n...
by TUK020
August 24th, 2019, 4:34 pm
Forum: Investment Strategies
Topic: City of London Investment Trust vs. FTSE 100
Replies: 22
Views: 2457

Re: City of London Investment Trust vs. FTSE 100

I have pondered the same question. I have often wondered whether IT's ability to put income into reserves (to smooth dividend payments) means that they are less volatile than the nearest index, and whether they lag (in the timing sense) the index. This would mean that they are less likely to do as w...

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