Looks like I need to have a chat with my pension advisor. Absolutely flat over the last 6 months 🤔
Happy to have a go at predicting the FTSE 🔮
Really all depends on the make up of your portfolio. The more fixed interest (Bonds) you have the worse it would have done. If you have a traditional 60/40 split then it probably wouldn't have done very much.
I have some money invested in a couple of Baillie Gifford funds: UK and European Growth Funds.
After a decent start the plummeting when tech stocks took a dive and although they are slowly , very slowly improving, they still seem very volatile and I think it's probably time to get rid and find something else. Actually it was probably time to get rid ages ago!
I know there were several members on here who had invested in these so wondering what you have done and if anyone else is still holding, hoping they'll take a turn for the better.
Looks like I need to have a chat with my pension advisor. Absolutely flat over the last 6 months 🤔
Happy to have a go at predicting the FTSE 🔮
Really all depends on the make up of your portfolio. The more fixed interest (Bonds) you have the worse it would have done. If you have a traditional 60/40 split then it probably wouldn't have done very much.
I can't actually tell you how mine has done in the last six months because, Hargreaves Lansdowne, but looking at the total figure I think I'm in line with Tel. Certainly still off best ever by around 9%. You know the culprit, Golfie. Too much in the supposed ballast of Vanguard LS20. I've gradually divested myself of that pile of pooh, partly to your Waverton Global Strategic Bond (about 4% better than the Vanguard fund so far this year) and partly to a Money Market fund. It's a long way back but feels more solid.
I have some money invested in a couple of Baillie Gifford funds: UK and European Growth Funds.
After a decent start the plummeting when tech stocks took a dive and although they are slowly , very slowly improving, they still seem very volatile and I think it's probably time to get rid and find something else. Actually it was probably time to get rid ages ago!
I know there were several members on here who had invested in these so wondering what you have done and if anyone else is still holding, hoping they'll take a turn for the better.
And any ideas for replacements? ISAs or funds.
Thanks
BlackRock do a couple of decent European funds.
For UK funds try Artemis UK Select & Liontrust UK Focus.
I have some money invested in a couple of Baillie Gifford funds: UK and European Growth Funds.
After a decent start the plummeting when tech stocks took a dive and although they are slowly , very slowly improving, they still seem very volatile and I think it's probably time to get rid and find something else. Actually it was probably time to get rid ages ago!
I know there were several members on here who had invested in these so wondering what you have done and if anyone else is still holding, hoping they'll take a turn for the better.
And any ideas for replacements? ISAs or funds.
Thanks
BlackRock do a couple of decent European funds.
For UK funds try Artemis UK Select & Liontrust UK Focus.
But that does not constitute advice 😉.
My second best performer in my SIPP the last year: FTSE Developed Europe UCITS ETF up about 17%
I stopped work 18 months ago so surviving on my existing assets. My modest combined pension pots are up about 6.4% since the start of the year, which I regard as modest but solid - if they performed on that basis in perpetuity I'd be pretty pleased. I've put smallish chunks of cash on deposit for two years at 6.1% and five years at 6%, which I'm very happy with.
….updates so far appear to suggest relatively low prizes compared to recent months which is interesting at a time that NS&I are publicising record total payouts. Conclusion: we are Charlton fans with ‘lower than average’ luck!
Comments
Happy to go again with the FTSE prediction. Bound to be wildly out, but what the heck.
Happy to have a go at predicting the FTSE 🔮
After a decent start the plummeting when tech stocks took a dive and although they are slowly , very slowly improving, they still seem very volatile and I think it's probably time to get rid and find something else. Actually it was probably time to get rid ages ago!
I know there were several members on here who had invested in these so wondering what you have done and if anyone else is still holding, hoping they'll take a turn for the better.
And any ideas for replacements? ISAs or funds.
Thanks
For UK funds try Artemis UK Select & Liontrust UK Focus.
But that does not constitute advice 😉.
Current and new Premium Bonds prize fund rate and odds
Prize fund rate for July 2023 prize draw
Odds (for July 2023 prize draw)
New prize fund rate (from August 2023)
New odds (from August 2023)
3.70% tax-free
24,000 to 1
4.00% tax-free
22,000 to 1
Number and value of Premium Bonds prizes
Value of prizes in July 2023
Number of prizes in July 2023
Value of prizes in August 2023 (estimated)
Number of prizes in August 2023 (estimated)
£1,000,000
2
£1,000,000
2
£100,000
71
£100,000
77
£50,000
141
£50,000
154
£25,000
284
£25,000
308
£10,000
707
£10,000
769
£5,000
1,417
£5,000
1,539
£1,000
14,960
£1,000
16,194
£500
44,880
£500
48,582
£100
1,744,226
£100
1,875,589
£50
1,744,226
£50
1,875,589
£25
1,503,501
£25
1,701,995
Total
£374,026,425
Total
5,054,415
Total
£404,858,225
Total
5,520,798
So far this year
Jan. Nil
Feb. 100
March. 150
April. 200
May. Nil
June. 25
July. Nil
Aug. 100.
That's 575 so far this year on 22k worth of bonds so considering how low interest rates we're at the start of the year I think I'm doing OK.
Full £50k stake. Needed soon for house purchase but might just get to into Sept draw before having to take it all out.
He is well ahead in our tally so far this year
Cash ISAs with a monthly income has got to be the way forward for us.
So, au revoir, Savings & Investments thread.
And good luck to the remainers.