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Savings and Investments thread
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My SIPP is very close to it's all time high & up 4% since the start of the year.
Happy to go again with the FTSE prediction. Bound to be wildly out, but what the heck.0 -
Looks like I’ll have to check the value of our SIPP’s later.0
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Mines up 8.8% since turn of the year, more by luck than judgement.golfaddick said:My SIPP is very close to it's all time high & up 4% since the start of the year.
Happy to go again with the FTSE prediction. Bound to be wildly out, but what the heck.0 -
Probably also depends on the asset mix. I still have around 35% in non-equity holdings. Mainly Bonds & Property.Rob7Lee said:
Mines up 8.8% since turn of the year, more by luck than judgement.golfaddick said:My SIPP is very close to it's all time high & up 4% since the start of the year.
Happy to go again with the FTSE prediction. Bound to be wildly out, but what the heck.0 -
Mine is up 10.33% in the last six months / I’m in for the FTSE prediction game ….1
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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 🔮1 -
mine is similar, will be firing an email off later.TelMc32 said: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 🔮0 -
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.TelMc32 said: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 🔮1 -
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.
Thanks0 -
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.golfaddick said:
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.TelMc32 said: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 🔮0 - Sponsored links:
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BlackRock do a couple of decent European funds.Bangkokaddick said: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
For UK funds try Artemis UK Select & Liontrust UK Focus.
But that does not constitute advice 😉.2 -
Good luck with the Premium Bond draw tomorrow - chances of winning both improved and higher prizes!
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
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My second best performer in my SIPP the last year: FTSE Developed Europe UCITS ETF up about 17%golfaddick said:
BlackRock do a couple of decent European funds.Bangkokaddick said: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
For UK funds try Artemis UK Select & Liontrust UK Focus.
But that does not constitute advice 😉.0 -
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.
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Fair to middling 4.5% for me. Up for the FTSE0
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Not the big one for me, would be nice to have a reasonable price win.0
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1 x £25 for me and 1 x £100 + 1 x £25 for Margaret this month. Considering she holds half the allocation I hold, she’s clearly much luckier than I.0
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2 x £25 for me, nothing for herself.0
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1 x £25 and 1 x £100 for me this month. YTD return only 1.5% - bit disappointing.0
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1 x £100 for me
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2 x 50 this month.
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.0 -
£250 for me this month. 2×£100 + 1x£50.
Full £50k stake. Needed soon for house purchase but might just get to into Sept draw before having to take it all out.0 -
Blank for me & kids £50 for Mrs R7L. Father in law £200.1
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1 x £100 + 1 x £25 here. That'll pay for the dentist!1
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2x £500
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Worst month for a while for us 5. 3 of us got nothing but the 7 year old got £425.
He is well ahead in our tally so far this year0 -
….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!1
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(£250) 2 x £100, 2 x £251
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A paltry £25 for Fanny so decision to cancel the optimism & excitement building every month now confirmed.
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.0 -
£300 for me, £125 for the wife (£1,900 in total for the year)0
