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Is the stock market over heating?
Comments
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Glen_Clark wrote: »Well the only one who is guaranteed to do better out of that is the financial advisor who keeps hold of the clients funds instead of handing them over to an insurance company to buy an annuity.
The annuity is still the only way to security and piece of mind for the client.
With profits investment bond?
Reasonably solid performance apparently. "Guaranteed" sum back and life cover to boot (if you are insurable). IFA keeps their annual servicing "fee". Beers all round."If you act like an illiterate man, your learning will never stop... Being uneducated, you have no fear of the future.".....
"big business is parasitic, like a mosquito, whereas I prefer the lighter touch, like that of a butterfly. "A butterfly can suck honey from the flower without damaging it," "Arunachalam Muruganantham0 -
Assuming the invention of interplanetary travel.grey_gym_sock wrote: »i didn't ... 4% is a rate you might hope to draw from investments without ever running out, and with both income and capital increasing roughly with inflation."It will take, five, 10, 15 years to get back to where we need to be. But it's no longer the individual banks that are in the wrong, it's the banking industry as a whole." - Steven Cooper, head of personal and business banking at Barclays, talking to Martin Lewis0 -
Depends if you want to be in or out of the market at the end. If you'll need the money then, you might do better with regular divestment - pile all your dosh into the market at the start and then take some out every month.In a rising market, the LS always wins.
In a more volatile market, the regular investment does.
Either way will give you some insurance against prices being up at the start / down at the finish (same thing).
There are other ways of betting against yourself. For instance, you could put 3/4 of your money in a Footsie tracker and 1/4 in a short, with much the same effect. If it doesn't seem too silly."It will take, five, 10, 15 years to get back to where we need to be. But it's no longer the individual banks that are in the wrong, it's the banking industry as a whole." - Steven Cooper, head of personal and business banking at Barclays, talking to Martin Lewis0 -
Assuming the invention of interplanetary travel.
Or mathematics including Monte Carlo analysis.
http://www.firecalc.com/
Even if you'd invested the whole lot just before the Great Depression, or the Dot Com crash, then 4% is very safe and even up to 5% still in the 90%+ success bracket.I am not a financial adviser and neither do I play one on television. I might occasionally give bad advice but at least it's free.
Like all religions, the Faith of the Invisible Pink Unicorns is based upon both logic and faith. We have faith that they are pink; we logically know that they are invisible because we can't see them.0 -
gadgetmind wrote: »Or mathematics including Monte Carlo analysis.
http://www.firecalc.com/
Even if you'd invested the whole lot just before the Great Depression, or the Dot Com crash, then 4% is very safe and even up to 5% still in the 90%+ success bracket.
If you'd have invested the lot in one of the best performing stock markets of the last century the US one. However by definition a successful index is going to be big and attract all the attention. Have you ever thought of the return from investing in other countries?0 -
Have you ever thought of the return from investing in other countries?
Yes, and I tend to mainly use diverse global investments as every market has its ups and downs. Rebalancing can make use of this volatility.
If you haven't yet read "Smarter Investing" then I suggest you do so as there are many chapters and some *very* detailed analysis of the risk factors involved in different levels of drawdown from different asset allocations.I am not a financial adviser and neither do I play one on television. I might occasionally give bad advice but at least it's free.
Like all religions, the Faith of the Invisible Pink Unicorns is based upon both logic and faith. We have faith that they are pink; we logically know that they are invisible because we can't see them.0 -
Nikkei 225 down again - over 3% today - making a fall of circa 10% over the last few days.
My sheepdog predicts the FTSE will fall again tomorrow. Bring on the tank.0 -
No it wont, the FTSE and the DOW are not following the Nikkei (just look at the chart the Nikkei has gone up 100% in the year)A_Flock_Of_Sheep wrote: »Nikkei 225 down again - over 3% today - making a fall of circa 10% over the last few days.
My sheepdog predicts the FTSE will fall again tomorrow. Bring on the tank.
and anyway Europe was up today.0 -
Happy BH 
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