getknk Posted May 25, 2010 Share Posted May 25, 2010 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? Quote Link to comment Share on other sites More sharing options...
righttoleech Posted May 25, 2010 Share Posted May 25, 2010 50% baked beans, 50% water Quote Link to comment Share on other sites More sharing options...
porca misèria Posted May 25, 2010 Share Posted May 25, 2010 Invest in education. Learn to write in English. Quote Link to comment Share on other sites More sharing options...
Tonkers Posted May 25, 2010 Share Posted May 25, 2010 Quote Link to comment Share on other sites More sharing options...
Pent Up Posted May 25, 2010 Share Posted May 25, 2010 50% baked beans, 50% water don't forget about the AK47. How about a SIPP? Put it where you want when you want Quote Link to comment Share on other sites More sharing options...
Pent Up Posted May 25, 2010 Share Posted May 25, 2010 (edited) that bad boy is gonna eat into the baked bean budget! AK47s are much cheaper and better value for money. Edited May 25, 2010 by Pent Up FTBer Quote Link to comment Share on other sites More sharing options...
getknk Posted May 25, 2010 Author Share Posted May 25, 2010 waiting for some serious or wise reply.. Quote Link to comment Share on other sites More sharing options...
VeryMeanReversion Posted May 25, 2010 Share Posted May 25, 2010 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. Quote Link to comment Share on other sites More sharing options...
getknk Posted May 25, 2010 Author Share Posted May 25, 2010 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 Quote Link to comment Share on other sites More sharing options...
justthisbloke Posted May 25, 2010 Share Posted May 25, 2010 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 Quote Link to comment Share on other sites More sharing options...
Toilet-Currency Posted May 25, 2010 Share Posted May 25, 2010 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. Quote Link to comment Share on other sites More sharing options...
RufflesTheGuineaPig Posted May 25, 2010 Share Posted May 25, 2010 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 Quote Link to comment Share on other sites More sharing options...
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