Fence Posted February 20, 2018 Share Posted February 20, 2018 11 minutes ago, Fence said: I'm starting to like the NS&I 3 year bond at 2.2% (taxable) Or lie about me age and get a Junior ISA at 2.25% tax free! Quote Link to comment Share on other sites More sharing options...
Funn3r Posted February 20, 2018 Share Posted February 20, 2018 1 hour ago, Fence said: We've slipped to page 2 of the threads list. A real pain having to hop to page 2. Quick, better start talking about Brexit! Brexit is the saviour/ruin of the UK. Oh no it isn't. Oh yes it is. Oh no it isn't and you're stupid. Oh yes it is and you're an idiot. [repeat 20000000 times] Quote Link to comment Share on other sites More sharing options...
Fence Posted February 20, 2018 Share Posted February 20, 2018 (edited) 30 minutes ago, Funn3r said: repeat 20000000 times Indeed. Very kind of you to offer but the Brexit thread has 39k replies, we have 4k, so 35k should do. No point tiring yourself out now! I guess our aspiration should be to get "pinned" like the Gold thread. But then they're all posh and gold like and money talks. We also need more viewers as we have 420k, Brexit has 1189k, and Gold has 1110k. We need to either change the thread title to something about Gold, Brexit, Millenials, Boomers and avocados or you need to start slagging me off something rotten. Yes, I'll take one for the team! Or we write a bot to do a periodic posting to the thread. Or is it a case of "build it and they will come"? The Bitcoin thread was doing well but as we all know that's a bust....or is it!   Edited February 20, 2018 by Fence Quote Link to comment Share on other sites More sharing options...
leonardratso Posted February 20, 2018 Share Posted February 20, 2018 quality not quantity. Quote Link to comment Share on other sites More sharing options...
leonardratso Posted February 20, 2018 Share Posted February 20, 2018 and bumps.... Quote Link to comment Share on other sites More sharing options...
Fence Posted February 20, 2018 Share Posted February 20, 2018 (edited) 33 minutes ago, leonardratso said: and bumps.... What bumps?!.... Edit: apologies, here I am complaining about QE destroying the markets and the next thing I want to prevent a free market here! Bl**dy QE, rotting my brain to a "new normal"! Edited February 20, 2018 by Fence Quote Link to comment Share on other sites More sharing options...
Drat Posted February 20, 2018 Share Posted February 20, 2018 44 minutes ago, leonardratso said: and bumps.... If it helps I will add 100% of my annual posting quota to this thread. There just did it.. Quote Link to comment Share on other sites More sharing options...
zugzwang Posted February 20, 2018 Share Posted February 20, 2018 Is the FTSE set to surge past 8000 points, asks the Motley Fool, for the 8000th time... https://www.fool.co.uk/investing/2018/02/17/is-the-ftse-100-set-for-a-surge-past-8000-points/ Quote Link to comment Share on other sites More sharing options...
leonardratso Posted February 20, 2018 Share Posted February 20, 2018 bump...as in whats sometimes used to bring a thread to the top Quote Link to comment Share on other sites More sharing options...
Fence Posted February 20, 2018 Share Posted February 20, 2018 10 minutes ago, leonardratso said: bump...as in whats sometimes used to bring a thread to the top Ta, I was joking. Aw-shucks, done it again!!!!!! Quote Link to comment Share on other sites More sharing options...
leonardratso Posted February 20, 2018 Share Posted February 20, 2018 nysearca tlt drops again, seems to behaving more like a stock and following the dow down, mind you my prsr is also a dog, still never mind should get 5% divi out of it this year. Quote Link to comment Share on other sites More sharing options...
Sancho Panza Posted February 20, 2018 Share Posted February 20, 2018 (edited) 7 hours ago, Fence said: Sorry but have to pass on XL Media (not in my investing universe), although a 90% rise in 52 weeks would have been lovely. I'm very much thinking of averaging in to bonds and equity for as long as reasonable to help mitigate any significant falls or missing out if the opposite happens (or we just tread water). Indeed, my personal forecasts indicate I could afford to do it over one to two years! At least that way I feel like I'm doing something at a measured pace. This would be for part of my funds covering essential retirement expenses (i.e. capital preservation rather than growth more important). I'm starting to like the NS&I 3 year bond at 2.2% (taxable) for parking a slug of money right now rather than fully averaging in to bonds and equities. Pays better than most bond funds? Government backed, no capital risk, and at least you get something to contribute towards inflation. Only some challenger type banks seem to pay more. In sterling though! Also nothing to say things would be any better in three years time.  Personally,unless you're seeking $ exposure I'd stick to NS&I rather than gilts.Your money is 100% Treasury backed without any of the capital risk that comes with trading bonds-I know there's a good few of us on here that see rates possibly moving back down when a recession hits but still,if you end up on the wrong side of a 30 year bond bull unwind, you'll regret it Other advantages of NS&I-you can hold up to a bar per a/c, rate is better than gilts ( we got some 5 yr bonds a few years back at 3% + iirc), only penalty is 3 month interest sacrifice (on the ones we've used anyway) and as I said,the guarantee is the same as Gilts. On the issue of equities-I'm biased,I like equities and feel comfortable with the risk/reward profile-I try and use my asset allocations to get a multiple bird strike with 1 stone.Telecoms being a case in point.You buy Vodafone (or any of the other quality mobile comms plays) at the right price and you're getting 1) a relatively solid balance sheet and income statement 2) a great currency hedge-income from all over the world 3) a great geographical spread of assets across continents with much better demographic profiles than the West 4) an effective utility play that's one of the first bills people pay every month-alongside-fuel,food,water,leccy etc 5) a company with little exposure to heritage pensions risk 6) a product with a growing user base particularly given the cost of traditional fixed line networks in terms of maintenance and construction   Edited February 20, 2018 by Sancho Panza Quote Link to comment Share on other sites More sharing options...
Sancho Panza Posted February 20, 2018 Share Posted February 20, 2018 22 hours ago, durhamborn said: Infrastructure,green energy,telcos,public transport etc i think. A lot of the big oilies have invested heavily in green tech.Love the Telco's,personally think they will be the best invesment from the bottom as above. Quote Link to comment Share on other sites More sharing options...
Thorn Posted February 20, 2018 Share Posted February 20, 2018 Looking at a lot of FTSE 250 shares and  right enough many seem to be well down already from their tops. Lots look like a terrible idea at the moment- Kingfisher. Are you keeping cash at hand and tracking individual shares down to a level you see as value? Quote Link to comment Share on other sites More sharing options...
Thorn Posted February 20, 2018 Share Posted February 20, 2018 5 hours ago, Drat said: If it helps I will add 100% of my annual posting quota to this thread. There just did it.. Surely in the Spirit of the Thread you should Spend Tomorrow’s Posting Quota Today as well while we watch for the Bust. Go on go on go on. Quote Link to comment Share on other sites More sharing options...
chronyx Posted February 20, 2018 Share Posted February 20, 2018 1 minute ago, Thorn said: Surely in the Spirit of the Thread you should Spend Tomorrow’s Posting Quota Today as well while we watch for the Bust Quote Link to comment Share on other sites More sharing options...
Sugarlips Posted February 20, 2018 Share Posted February 20, 2018 1 hour ago, Sancho Panza said: Love the Telco's,personally think they will be the best invesment from the bottom as above. Is it correct Vodafone's share price are little changes since the gfc? Seems surprising given the explosionin smartphones over that period. Has there been a stock split or is it just a good one to hold as a divi payer? Quote Link to comment Share on other sites More sharing options...
Sugarlips Posted February 20, 2018 Share Posted February 20, 2018 1 hour ago, Sancho Panza said: Love the Telco's,personally think they will be the best invesment from the bottom as above. Is it correct Vodafone's share price are little changes since the gfc? Seems surprising given the explosionin smartphones over that period. Has there been a stock split or is it just a good one to hold as a divi payer? Quote Link to comment Share on other sites More sharing options...
leonardratso Posted February 20, 2018 Share Posted February 20, 2018 wasnt it consolidated years ago? dunno cant remember Quote Link to comment Share on other sites More sharing options...
Fence Posted February 21, 2018 Share Posted February 21, 2018 2 hours ago, Sancho Panza said: Personally,........ On the issue of equities....... Nice and sound thanks. Personally, I'm leaning towards a bit of the nice and secure NS&I bonds for my "essentials" retirement pot and a share based income fund for my upside. I've ran it through a model suited to my personal circumstances at it seems to work for my level of risk, required return, etc. Probably not suited for others though. I was lucky to buy NS&I inflation linked certificates back in the day and they are now great to have in my portfolio. They roll over at expiry at bu**er all plus RPI but are great as a cash element for the future "essentials" pot. Means I can more comfortably invest in that share based income fund. I've looked at bonds (retail bonds, PIBS, gilts, etc) and am not seeing much value at the moment. My worry is the risk of a 1% rise in interest rates and the serious damage that could have on returns. Personally, I'm tempted to wait until prices stabilise - i.e. more clarity on interest rates (about which I also question the view they will go up - maybe more going up so they can come back down again when needed!). BTW, just bought my second book - "Living off Your Money (Michael McClung)" and am limbering up for the avalanche of data and stress testing my current strategy! All part of my approach of working backwards from my retirement to today to work out what I need to be doing now (not sure many people do it that way!). Quote Link to comment Share on other sites More sharing options...
Fence Posted February 21, 2018 Share Posted February 21, 2018 5 hours ago, leonardratso said: .....my prsr is also a dog, still never mind should get 5% divi out of it this year. I believe that's the essence of the HYP (high yield portfolio) strategy - don't worry about capital values as long as your personal yield is maintained. I quite like the idea.   Quote Link to comment Share on other sites More sharing options...
Fence Posted February 21, 2018 Share Posted February 21, 2018 2 hours ago, Thorn said: Looking at a lot of FTSE 250 shares and  right enough many seem to be well down already from their tops. Lots look like a terrible idea at the moment- Kingfisher. Are you keeping cash at hand and tracking individual shares down to a level you see as value? I am. That's the beauty of DYOR rather than listening to the "talking heads" (aka last week's sport correspondent!). The indices can do what they like but, as DB has pointed out a few times, there are some decent large companies at a decent discount (saw one today that's 35% down). Sure, their technicals are not screaming "buy" but maybe worth a nibble (average in). That's why I'm personally favouring stock picking rather than ETFs/funds (although may have a bit of each for some diversification and allocation purposes). One key focus area of mine are the companies' cash flow statements and debt balances. I thought they were available on the HL website prior to the release of their new website or maybe I was using Morningstar. Amazing HL don't show such key data.  Quote Link to comment Share on other sites More sharing options...
Fence Posted February 21, 2018 Share Posted February 21, 2018 1 hour ago, Sugarlips said: Is it correct Vodafone's share price are little changes since the gfc? Seems surprising given the explosionin smartphones over that period. Has there been a stock split or is it just a good one to hold as a divi payer? Certainly several well known good yielding names are now hovering at prices close to the 2008 precipice and some have even fallen back into it (or never got out of it)! For example: Quote Link to comment Share on other sites More sharing options...
Sancho Panza Posted February 21, 2018 Share Posted February 21, 2018 1 hour ago, Sugarlips said: Is it correct Vodafone's share price are little changes since the gfc? Seems surprising given the explosionin smartphones over that period. Has there been a stock split or is it just a good one to hold as a divi payer?  1 hour ago, leonardratso said: wasnt it consolidated years ago? dunno cant remember They sold Verizon Wireless in 2013 and redistributed the cash to shareholders.It was a major offload so I wouldn't judge the chart in isolation. There was a lot of haggling for years over the price. https://finance.google.co.uk/finance?q=LON%3AVOD&ei=rKuMWsm1EIOQUM_tpyA http://www.bbc.co.uk/news/business-23933955 'Vodafone has sold its 45% stake in Verizon Wireless to US telecoms group Verizon Communications in one of the biggest deals in corporate history. The $130bn (£84bn) deal was announced by Vodafone after the close of trading on the London Stock Exchange. The company will return £54bn to its shareholders, of which £22bn will go to shareholders in the UK.' Quote Link to comment Share on other sites More sharing options...
Fence Posted February 21, 2018 Share Posted February 21, 2018 1 hour ago, Sugarlips said: Is it correct Vodafone's share price are little changes since the gfc? Seems surprising given the explosionin smartphones over that period. Has there been a stock split or is it just a good one to hold as a divi payer? Sold it's stake in Verizon which was a nice little earner (both prior to and at sale time). It's currently yielding 6.4%! Quote Link to comment Share on other sites More sharing options...
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