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Savings and Investments thread
Comments
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7878 please0
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7965 for me after much useless pondering0
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7978 for me please. Same as my last (poor) forecast.0
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7795 for me please0
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Let's see if I can get as lucky as I did last time around! I'll say 7870.0
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75790
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7758 for me please0
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Any new/interesting funds of interest for 2024?0
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I'm sticking with 7680.0
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If I've not done it yet 7824 please1
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7810 for me please0
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7768 per favore0
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7720 please.0
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Those entered so far, and list at bottom of people who haven't yet (but had entered before), hopefully not missed anyone but please let me know:
Name Level golfaddick 7680 StrikerFirmani 7720 fat man on a moped 7758 Morboe 7768 RalphMilne 7795 Daarrrzzettbum 7801 Covered End 7579 IdleHans 7810 Addickinedi 7824 LargeAddick 7824 Huskaris 7825 CAFCWest 7839 valleynick66 7863 Addick Addict 7864 Jon_CAFC_ 7864 Lonelynorthernaddick 7870 Bangkokaddick 7878 Housty 7882 oohaahmortimer 7891 Rob7Lee 7891 meldrew66 7901 Hornchurch 7902 wwaddick 7934 Jamescafc 7950 HardyAddick 7951 PragueAddick 7965 CharltonKerry 7966 blackpool72 7970 Pedro45 7975 aitchyaddick 7978 Redman 7988 bobmunro 7989 guinnessaddick 8001 Solidgone 8001 cafcpolo 8011 Thread Killer 8016 WishIdStayedInThe Pub 8047 MrWalker 8077 @TelMc32 CAFC, we hate palace cafc7-6htfc CAFCsayer Er_Be_Ab_Pl_Wo_Wo_Ch Exiledin Manchester Fortune 82nd Minute Gary Poole happy valley holyjo Hoof_it_up_to_benty KentAddick Killer Kish Lenglover MrOneLung No.1 in South London Salad thecat TheGhostofTomHovi 0 -
Wow.
Cant believe everyone is higher than mine. Have I missed something? Perhaps I shouldn't be attending investments seminars every week.5 -
Thanks for the reminder @Rob7Lee.
I never realised how optimistic Lifers are! Every guess above yesterday's close on the FTSE.
And all this at a time of coming political change in this country. Not to mention the on-going Ukraine/Russia war, the Middle East near to going up in flames, shipping potentially stopping using the Suez canal and China still threatening to invade Taiwan.
Not forgetting that all you under 60s about to be called up for the army!
And doesn't "sell in May and go away" still apply?
So I'm with Golfie on this. In fact, I'm even less optimistic. 7450 for me.0 -
I'm not. I'm not at all confident for the next 6 months with so many war threats about.golfaddick said:Wow.
Cant believe everyone is higher than mine. Have I missed something? Perhaps I shouldn't be attending investments seminars every week.0 -
I have a SIPP in drawdown and another (smaller) one that I can still pay into. It has several £K sitting in cash. Any recommendations for an accumulation fund I should move it into? Understand any recommendatuion is just that - not advice!0
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I'll keep 7401 please. Charlton's form does not discourage an inherent pessimism at the moment.0
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Depends on your risk appetite.CafcWest said:I have a SIPP in drawdown and another (smaller) one that I can still pay into. It has several £K sitting in cash. Any recommendations for an accumulation fund I should move it into? Understand any recommendatuion is just that - not advice!
Depends on where you are currently invested - Equities v Bonds.
If you are looking for growth & have the capacity for loss you could look at a global equity fund. Bear in mind that many global.funds have over 60% in the US.
Then again when interest rates start coming down Bond prices will rise.
If only there were professionals out there who could guide you 🤔😄2 - Sponsored links:
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The interesting thing about the entries is that the MOST optimistic is forecasting a year on year gain of just 4.3%. Which ought to mean that an awful lot of us will be keeping an awful lot of funds in cash, since overall - especially if you locked up plenty im the NSI 1 year fix - should see you clearing 5% on no risk. Well that’s certainly what I’m doing.golfaddick said:Wow.
Cant believe everyone is higher than mine. Have I missed something? Perhaps I shouldn't be attending investments seminars every week.1 -
Agree with this. Just don't feel confident enough to have a significant proportion in equities right now. Especially when savings interest rates are higher than inflation at the moment, how often can you say that's been the case?PragueAddick said:
The interesting thing about the entries is that the MOST optimistic is forecasting a year on year gain of just 4.3%. Which ought to mean that an awful lot of us will be keeping an awful lot of funds in cash, since overall - especially if you locked up plenty im the NSI 1 year fix - should see you clearing 5% on no risk. Well that’s certainly what I’m doing.golfaddick said:Wow.
Cant believe everyone is higher than mine. Have I missed something? Perhaps I shouldn't be attending investments seminars every week.1 -
All known factors, already built in.Fortune 82nd Minute said:
I never realised how optimistic Lifers are! Every guess above yesterday's close on the FTSE.
And all this at a time of coming political change in this country. Not to mention the on-going Ukraine/Russia war, the Middle East near to going up in flames, shipping potentially stopping using the Suez canal and China still threatening to invade Taiwan.
So I'm with Golfie on this. In fact, I'm even less optimistic. 7450 for me.0 -
You're forgetting dividends ......PragueAddick said:
The interesting thing about the entries is that the MOST optimistic is forecasting a year on year gain of just 4.3%. Which ought to mean that an awful lot of us will be keeping an awful lot of funds in cash, since overall - especially if you locked up plenty im th NSI 1 year fix - should see you clearing 5% on no risk. Well that’s certainly what I’m doing.golfaddick said:Wow.
Cant believe everyone is higher than mine. Have I missed something? Perhaps I shouldn't be attending investments seminars every week.2 -
…again 😉redman said:
You're forgetting dividends ......PragueAddick said:
The interesting thing about the entries is that the MOST optimistic is forecasting a year on year gain of just 4.3%. Which ought to mean that an awful lot of us will be keeping an awful lot of funds in cash, since overall - especially if you locked up plenty im th NSI 1 year fix - should see you clearing 5% on no risk. Well that’s certainly what I’m doing.golfaddick said:Wow.
Cant believe everyone is higher than mine. Have I missed something? Perhaps I shouldn't be attending investments seminars every week.2 -
Thanks for the nudge @Rob7Lee…I missed out last time, but will go optimistic again (I went high with 8,000 for H1 last year). Let’s say 8,100 this time 😉
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I hope you are right but excuse me if I have my doubts!redman said:
All known factors, already built in.Fortune 82nd Minute said:
I never realised how optimistic Lifers are! Every guess above yesterday's close on the FTSE.
And all this at a time of coming political change in this country. Not to mention the on-going Ukraine/Russia war, the Middle East near to going up in flames, shipping potentially stopping using the Suez canal and China still threatening to invade Taiwan.
So I'm with Golfie on this. In fact, I'm even less optimistic. 7450 for me.0 -
Not so fast, guys. 😉TelMc32 said:ê
…again 😉redman said:
You're forgetting dividends ......PragueAddick said:
The interesting thing about the entries is that the MOST optimistic is forecasting a year on year gain of just 4.3%. Which ought to mean that an awful lot of us will be keeping an awful lot of funds in cash, since overall - especially if you locked up plenty im th NSI 1 year fix - should see you clearing 5% on no risk. Well that’s certainly what I’m doing.golfaddick said:Wow.
Cant believe everyone is higher than mine. Have I missed something? Perhaps I shouldn't be attending investments seminars every week.
I still have around 25% of my stuff in the markets, ( plus the SIPP). I just halted the plan to regularly invest a fixed amount in a package of funds, and instead diverted the cash into the high paying savings accounts. The point is that I know 100%. what the latter will pay me. What would be the dividenc yield on a FTSE 100 tracker? Around 3.5% ? So sure if you add that to the capital gain predicted by the most optimistic of us punters, you get near 8%. But most of the forecasts are far less optimistic so its touch and go if even a median forecast wins, as to whether it beats a 5% cash account. If you are both cautious and old ( as I am) i reckon it does make sense to major on the high interest fixes this year at least. It is a very comforting exercise to keep a spreadsheet of those deposit accounts and record the income totting up each month. Much more relaxing than seeking out stocks for income, deciding Direct Line was a good choice and then watching as the stock plunged, and then the board cancells the dividend. WTF? Fortunately I didnt have much, so I flogged it off and used the proceeds to top up on L&G, a company apparently run by adults. But that experience influenced my flight to cash and I dont regret it.Yes, by the summer I will need to have a re-think as some of those 1 year fixes mature. But that can wait.0 -
79180
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7979 for me please0
