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Pension Funds: Advice & Discussions

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i guess the only money left in the UK is now in pension funds, which is also in a risk of wipe out due to global markets collapsing.. unluckily i'm also in the same boat and wanted advice from u guys.

currently my pension funding is around 80% in equity, 7% gilts, 8 % in bonds and 5% in cash

if the markets go down, i'm sure that 80% including the contributed sum will also burst.. eventhough all of our company's employees are like this, no one knows about it !!

Let's take opinion from fellow HPC'ers and how to think to invest or switch going on?

my take is 40% cash, 30 % bond, 15% balanced or mix, 15% equity ---  

what say?

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83cave1.jpg

rifle_300clarge.jpg

that bad boy is gonna eat into the baked bean budget!

AK47s are much cheaper and better value for money.

Edited by Pent Up FTBer

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my take is 40% cash, 30 % bond, 15% balanced or mix, 15% equity ---  

Currently 25% Japanese equities to have some money outside UK, rest cash. Will gradually buy into FTSE100 if it goes below 4000.

Using salary sacrifice to save almost 30% of gross income, all new money going into cash.

VMR.

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Currently 25% Japanese equities to have some money outside UK, rest cash. Will gradually buy into FTSE100 if it goes below 4000.

Using salary sacrifice to save almost 30% of gross income, all new money going into cash.

VMR.

thanks mate.. waiting for other opinions

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60% Equities - mainly FTSE100 because

- we are not at the end of growth

- FTSE100s are pretty international so sterling (or any currency) risk is mitigated

- I'm not scared by roller coasters; capital volatility is part of the deal with equities

- "I'm in it for the long term"

- my dividend orientated portfolio gives income returns that cash simply cannot compete with

20% bonds (govt and corp ETFs & some NS&I outside of SIPP)

- because I don't like roller coasters that much

15% cash - because

- float for buying equities later this year

5% gold (in my pocket not paper in a SIPP) because

- I'm not sure, really

- it's pretty

- you never know, the end of world might come one day

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It really depends on how close to retirement you are. Many occupational funds put money into equities by default for those aged 18-50 on the assumption that the ups and downs of the market will smooth themselves out over the long term. To me, equities are way too dear at the moment and I don't want the exposure.

Therefore, I am in the process of switching out of an occupational fund into a SIPP. I will probably start out in cash or index-linked gilts, with a view to switching back into equities (90%) at much lower levels sometime between now and 2012.

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i guess the only money left in the UK is now in pension funds, which is also in a risk of wipe out due to global markets collapsing.. unluckily i'm also in the same boat and wanted advice from u guys.

Reprinted from a post by Sarajevo war survivor. Based on what actually

disappears first when the SHTF:

100 Items to Disappear First

1. Generators (Good ones cost dearly. Gas storage, risky. Noisy...target of thieves; maintenance etc.)

2. Water Filters/Purifiers

3. Portable Toilets

4. Seasoned Firewood. Wood takes about 6 - 12 months to become dried, for home uses.

5. Lamp Oil, Wicks, Lamps (First Choice: Buy CLEAR oil. If scarce, stockpile ANY!)

6. Coleman Fuel. Impossible to stockpile too much.

7. Guns, Ammunition, Pepper Spray, Knives, Clubs, Bats & Slingshots.

8. Hand-can openers, & hand egg beaters, whisks.

9. Honey/Syrups/white, brown sugar

10. Rice - Beans - Wheat

11. Vegetable Oil (for cooking) Without it food burns/must be boiled etc.,)

12. Charcoal, Lighter Fluid (Will become scarce suddenly)

13. Water Containers (Urgent Item to obtain.) Any size. Small: HARD CLEAR PLASTIC ONLY - note - food grade if for drinking.

16. Propane Cylinders (Urgent: Definite shortages will occur.

17. Survival Guide Book.

18. Mantles: Aladdin, Coleman, etc. (Without this item, longer-term lighting is difficult.)

19. Baby Supplies: Diapers/formula. ointments/aspirin, etc.

20. Washboards, Mop Bucket w/wringer (for Laundry)

21. Cookstoves (Propane, Coleman & Kerosene)

22. Vitamins

23. Propane Cylinder Handle-Holder (Urgent: Small canister use is dangerous without this item)

24. Feminine Hygiene/Haircare/Skin products.

25. Thermal underwear (Tops & Bottoms)

26. Bow saws, axes and hatchets, Wedges (also, honing oil)

27. Aluminum Foil Reg. & Heavy Duty (Great Cooking and Barter Item)

28. Gasoline Containers (Plastic & Metal)

29. Garbage Bags (Impossible To Have Too Many).

30. Toilet Paper, Kleenex, Paper Towels

31. Milk - Powdered & Condensed (Shake Liquid every 3 to 4 months)

32. Garden Seeds (Non-Hybrid) (A MUST)

33. Clothes pins/line/hangers (A MUST)

34. Coleman's Pump Repair Kit

35. Tuna Fish (in oil)

36. Fire Extinguishers (or..large box of Baking Soda in every room)

37. First aid kits

38. Batteries (all sizes...buy furthest-out for Expiration Dates)

39. Garlic, spices & vinegar, baking supplies

40. Big Dogs (and plenty of dog food)

41. Flour, yeast & salt

42. Matches. {"Strike Anywhere" preferred.) Boxed, wooden matches will go first

43. Writing paper/pads/pencils, solar calculators

44. Insulated ice chests (good for keeping items from freezing in Wintertime.)

45. Workboots, belts, Levis & durable shirts

46. Flashlights/LIGHTSTICKS & torches, "No. 76 Dietz" Lanterns

47. Journals, Diaries & Scrapbooks (jot down ideas, feelings, experience; Historic Times)

48. Garbage cans Plastic (great for storage, water, transporting - if with wheels)

49. Men's Hygiene: Shampoo, Toothbrush/paste, Mouthwash/floss, nail clippers, etc

50. Cast iron cookware (sturdy, efficient)

51. Fishing supplies/tools

52. Mosquito coils/repellent, sprays/creams

53. Duct Tape

54. Tarps/stakes/twine/nails/rope/spikes

55. Candles

56. Laundry Detergent (liquid)

57. Backpacks, Duffel Bags

58. Garden tools & supplies

59. Scissors, fabrics & sewing supplies

60. Canned Fruits, Veggies, Soups, stews, etc.

61. Bleach (plain, NOT scented: 4 to 6% sodium hypochlorite)

62. Canning supplies, (Jars/lids/wax)

63. Knives & Sharpening tools: files, stones, steel

64. Bicycles...Tires/tubes/pumps/chains, etc

65. Sleeping Bags & blankets/pillows/mats

66. Carbon Monoxide Alarm (battery powered)

67. Board Games, Cards, Dice

68. d-con Rat poison, MOUSE PRUFE II, Roach Killer

69. Mousetraps, Ant traps & cockroach magnets

70. Paper plates/cups/utensils (stock up, folks)

71. Baby wipes, oils, waterless & Antibacterial soap (saves a lot of water)

72. Rain gear, rubberized boots, etc.

73. Shaving supplies (razors & creams, talc, after shave)

74. Hand pumps & siphons (for water and for fuels)

75. Soysauce, vinegar, bullions/gravy/soupbase

76. Reading glasses

77. Chocolate/Cocoa/Tang/Punch (water enhancers)

78. "Survival-in-a-Can"

79. Woolen clothing, scarves/ear-muffs/mittens

80. Boy Scout Handbook, / also Leaders Catalog

81. Roll-on Window Insulation Kit (MANCO)

82. Graham crackers, saltines, pretzels, Trail mix/Jerky

83. Popcorn, Peanut Butter, Nuts

84. Socks, Underwear, T-shirts, etc. (extras)

85. Lumber (all types)

86. Wagons & carts (for transport to and from)

87. Cots & Inflatable mattress's

88. Gloves: Work/warming/gardening, etc.

89. Lantern Hangers

90. Screen Patches, glue, nails, screws,, nuts & bolts

91. Teas

92. Coffee

93. Cigarettes

94. Wine/Liquors (for bribes, medicinal, etc,)

95. Paraffin wax

96. Glue, nails, nuts, bolts, screws, etc.

97. Chewing gum/candies

98. Atomizers (for cooling/bathing)

99. Hats & cotton neckerchiefs

100. Goats/chickens

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  • 141 Brexit, House prices and Summer 2020

    1. 1. Including the effects Brexit, where do you think average UK house prices will be relative to now in June 2020?


      • down 5% +
      • down 2.5%
      • Even
      • up 2.5%
      • up 5%



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