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Savings and Investments thread

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  • S&P500 is Currently 2.5% lower than this time last year.

    My £4k LISA allowance is due in on Wednesday. 🤞🏼Probably shot too early. The rest of this year's allowance is going into a cash ISA! 

    Was able to view my pension yesterday after a few days of "page not available at the moment".  Looks like an extra year of work for me! 🥲
    Wednesday may have been just right. 🤞🏼
  • edited April 9
    Does America have a civil service?

    Must be a f****g nightmare trying to implement Trumps wild brain waves. 
  • Huskaris said:
    I'm up 8.4% on opening today. 

    More than reversed my losses for the past week. 

    Still 13.2% down on Jan peak.

    I really can't see the US recovering to Jan for a very long time, it's too volatile and I do think a growing amount of people are going to wonder if there's manipulation going on here. I'm hoping to recover a fair chunk of what I've lost over the past couple months then I'm going to redistribute to a more EU/UK focus I think. 
    That will be my approach too, and probably more towards preserving cash than you, given my age. I don't think it's a dip, so I'm not buying it, until at least there isa better idea of what this shitshow means longer- term.

    Two good FT articles which I've found helpful this morning:

     "How investors can survive the ‘Orange Crash"  (Stuart Kirk, worth reading the comments, he winds up certain types of pro.)



  • Huskaris said:
    I'm up 8.4% on opening today. 

    More than reversed my losses for the past week. 

    Still 13.2% down on Jan peak.

    I really can't see the US recovering to Jan for a very long time, it's too volatile and I do think a growing amount of people are going to wonder if there's manipulation going on here. I'm hoping to recover a fair chunk of what I've lost over the past couple months then I'm going to redistribute to a more EU/UK focus I think. 
    That will be my approach too, and probably more towards preserving cash than you, given my age. I don't think it's a dip, so I'm not buying it, until at least there isa better idea of what this shitshow means longer- term.

    Two good FT articles which I've found helpful this morning:

     "How investors can survive the ‘Orange Crash"  (Stuart Kirk, worth reading the comments, he winds up certain types of pro.)



    Not clear how anyone can predict Trump's strategy given it changes on a daily basis. No way to run the world's largest economy but a massive opportunity for insiders to 'win' on the markets.


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  • Huskaris said:
    I'm up 8.4% on opening today. 

    More than reversed my losses for the past week. 

    Still 13.2% down on Jan peak.

    I really can't see the US recovering to Jan for a very long time, it's too volatile and I do think a growing amount of people are going to wonder if there's manipulation going on here. I'm hoping to recover a fair chunk of what I've lost over the past couple months then I'm going to redistribute to a more EU/UK focus I think. 
    I think thats a fine plan. I think there's a risk of dollar devaluation - Donnie's next attention seeking move to screw the nations who hold US debt. He'll do something stoopid with crypto instead. I'll be moving away from as much dollar denominated stuff as possible over the next few weeks.

  • IdleHans said:
    Huskaris said:
    I'm up 8.4% on opening today. 

    More than reversed my losses for the past week. 

    Still 13.2% down on Jan peak.

    I really can't see the US recovering to Jan for a very long time, it's too volatile and I do think a growing amount of people are going to wonder if there's manipulation going on here. I'm hoping to recover a fair chunk of what I've lost over the past couple months then I'm going to redistribute to a more EU/UK focus I think. 
    I think thats a fine plan. I think there's a risk of dollar devaluation - Donnie's next attention seeking move to screw the nations who hold US debt. He'll do something stoopid with crypto instead. I'll be moving away from as much dollar denominated stuff as possible over the next few weeks.

    The man is a serial bankruot so I'm sure he'll stick two fingers up at those who carry American debt.


  • IdleHans said:
    Huskaris said:
    I'm up 8.4% on opening today. 

    More than reversed my losses for the past week. 

    Still 13.2% down on Jan peak.

    I really can't see the US recovering to Jan for a very long time, it's too volatile and I do think a growing amount of people are going to wonder if there's manipulation going on here. I'm hoping to recover a fair chunk of what I've lost over the past couple months then I'm going to redistribute to a more EU/UK focus I think. 
    I think thats a fine plan. I think there's a risk of dollar devaluation - Donnie's next attention seeking move to screw the nations who hold US debt. He'll do something stoopid with crypto instead. I'll be moving away from as much dollar denominated stuff as possible over the next few weeks.

    The man is a serial bankruot so I'm sure he'll stick two fingers up at those who carry American debt.


    All you're doing is replying to every post about how much you don't like him. Most of us don't I would say. 

    We get it. 

    Do you have anything to say about savings and investments? This isn't the politics thread
  • I guess what we don’t immediately see is what the fund managers have done to respond in the last week for the various funds they manage and constitute our pensions etc. 

    Did most sit tight and ride it out or change the composition of those funds seeking businesses that are potentially less exposed etc. 

    Can you trust the fund managers to have altered tack?
  • I guess what we don’t immediately see is what the fund managers have done to respond in the last week for the various funds they manage and constitute our pensions etc. 

    Did most sit tight and ride it out or change the composition of those funds seeking businesses that are potentially less exposed etc. 

    Can you trust the fund managers to have altered tack?
    I've had various emails from fund management groups detailing what specific fund managers are doing with funds I have clients invested in. Some have started moving monies out of US shares but many have held tight. Over the last few weeks a lot of funds have been moving out of growth stocks & into value ones anyway & so it's just been an extension of that. 
  • Huskaris said:
    IdleHans said:
    Huskaris said:
    I'm up 8.4% on opening today. 

    More than reversed my losses for the past week. 

    Still 13.2% down on Jan peak.

    I really can't see the US recovering to Jan for a very long time, it's too volatile and I do think a growing amount of people are going to wonder if there's manipulation going on here. I'm hoping to recover a fair chunk of what I've lost over the past couple months then I'm going to redistribute to a more EU/UK focus I think. 
    I think thats a fine plan. I think there's a risk of dollar devaluation - Donnie's next attention seeking move to screw the nations who hold US debt. He'll do something stoopid with crypto instead. I'll be moving away from as much dollar denominated stuff as possible over the next few weeks.

    The man is a serial bankruot so I'm sure he'll stick two fingers up at those who carry American debt.


    All you're doing is replying to every post about how much you don't like him. Most of us don't I would say. 

    We get it. 

    Do you have anything to say about savings and investments? This isn't the politics thread
    How can the politics be separated from the saving, investments and perceptions about 2025 outcomes?

    UK needs to look at better trade deals with India, EU & Canada so as to decouple from 10% Trump Tariffs... Same with defence... 
    When it comes to US debt, I can't comment on US TBills. But some suggest that Trump and his people are playing with Nitro Glycerine! Hedge funds are incredibly leveraged and may need to unwind a tad if there is volatility.

    So if one wants to balance equity in a portfolio which bonds should one hold, or simply hold cash? Also, these 10% tariffs have yet to hit "Main Street" in the USA. When they do, that will no doubt have a downside on confidence, investment and consumption. Will that spread across the globe?

    That's a good post about savings and investments. It's not editorialised with personal feelings about Trump. It just gets a bit tiring turning this into c.2020 Twitter in here, especially when some of the discussions really have been interesting!

    The "politics threads" that I referenced on here were never about politics, they were about personalities. 
  • Trump said ‘no other president, would have done what I did’ 🙄

    From the outside this all seems a bit corrupt, leaders of all the major business companies at his inorgaration, they probably helped planned the turmoil we’ve just seen, and took advantage of it, it’s all a fiddle.
    I don't think that's the zinger Trump thinks it is!

    I still feel like Bitcoin is where the real manipulation could be happening. The bitcoin price, despite it being touted as some revolutionary thing which is decentralising currencies etc, is more or less moving in tandem with the S&P 500. 

    I would imagine it would be a lot easier to hide a massive bitcoin scheme than it would stocks and shares. 

    Like I said before, I really hope someone is investigating as it could be a great film. 
  • DOW JONES + 2,200 points up  6.4%
    S&P 500 + 346. Or up 6.9%

    Some one is making a lot of money….. out of these swings.
    Which conversley means a lot of people will lose money. Confirms my view to sit on the sidelines, take the long term view and make money in the long run. Playing the markets in the short term is a mugs game for most
  • I guess what we don’t immediately see is what the fund managers have done to respond in the last week for the various funds they manage and constitute our pensions etc. 

    Did most sit tight and ride it out or change the composition of those funds seeking businesses that are potentially less exposed etc. 

    Can you trust the fund managers to have altered tack?
    I've had various emails from fund management groups detailing what specific fund managers are doing with funds I have clients invested in. Some have started moving monies out of US shares but many have held tight. Over the last few weeks a lot of funds have been moving out of growth stocks & into value ones anyway & so it's just been an extension of that. 
    Thanks. 

    What constitutes growth versus value?
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  • A Trump speaks the truth!!
  • iaitch said:
    A Trump speaks the truth!!
    Mummy Trump certainly does   ;)
  • I guess what we don’t immediately see is what the fund managers have done to respond in the last week for the various funds they manage and constitute our pensions etc. 

    Did most sit tight and ride it out or change the composition of those funds seeking businesses that are potentially less exposed etc. 

    Can you trust the fund managers to have altered tack?
    I've had various emails from fund management groups detailing what specific fund managers are doing with funds I have clients invested in. Some have started moving monies out of US shares but many have held tight. Over the last few weeks a lot of funds have been moving out of growth stocks & into value ones anyway & so it's just been an extension of that. 
    Thanks. 

    What constitutes growth versus value?
    Growth stocks are generally tech firms & (newer) companies looking to grow. Might not pay a dividend as they are plowing it all back into the company. 

    Value stocks are long standing companies who pay regular & steady dividends. More consumer based & produce essential items.

    Look for funds with "equity income" in their name. They pay good dividends and are household staples. If you check out the last 3-6 months performance figures (esp  US funds) you'll see that the better performing funds are equity income funds or have "value" in their name. The worst will be high tech growth funds. 
  • How is it they're never called shrink funds?
  • Big drop incoming in the US, maybe a quarter of yesterday's gains
  • IdleHans said:
    Big drop incoming in the US, maybe a quarter of yesterday's gains
    A bit of profit taking & a bit of yesterday being too overdone.  A correction of a correction,  so to speak  
  • In my view, the only way we can restore the economy is by asking Kemi Badenoch why she hasn't watched Adolescene another 15 times. 
  • Huskaris said:
    IdleHans said:
    Huskaris said:
    I'm up 8.4% on opening today. 

    More than reversed my losses for the past week. 

    Still 13.2% down on Jan peak.

    I really can't see the US recovering to Jan for a very long time, it's too volatile and I do think a growing amount of people are going to wonder if there's manipulation going on here. I'm hoping to recover a fair chunk of what I've lost over the past couple months then I'm going to redistribute to a more EU/UK focus I think. 
    I think thats a fine plan. I think there's a risk of dollar devaluation - Donnie's next attention seeking move to screw the nations who hold US debt. He'll do something stoopid with crypto instead. I'll be moving away from as much dollar denominated stuff as possible over the next few weeks.

    The man is a serial bankruot so I'm sure he'll stick two fingers up at those who carry American debt.


    All you're doing is replying to every post about how much you don't like him. Most of us don't I would say. 

    We get it. 

    Do you have anything to say about savings and investments? This isn't the politics thread
    Wasn't aware politics and economics weren't connected - I always used to think they were.

    If it makes you feel better sending me patronising, condescending posts then go ahead. 
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