Investment Bug

A_Flock_Of_Sheep

socrates wrote: »

Now you are looking for free advice - that is not going to happen on here (I found that out myself a while back)

You need to decide if you are looking for income or growth or even a combination of both

What period of time you are looking to invest for

You need to decide your 'risk level'

Personally I have a 15 year plan so all my investments are slowly moving that way - I am looking at growth accumulation

I am also a passive investor so I admit to liking the Vanguard Products and one thing that convinced me about them was when I spoke to an American guy I met on holiday who was an IFA.

His goals were similar to mine - however his retirement was 10 years away (or when he wanted to retire)

In America they have specific Vanguard Retirement Funds split up in years - they do not exist over here

My Vanguard funds have all made around 12.5% (before costs) on a regular basis and thats good enough for me

I have other funds that have made 35% but that was more luck than any skill on my behalf

You really need to tell everyone more about your goals

I thought the whole point of web forums were for people to share their advice and experience??

My goal is basically growing Income coupled with the potential for capital growth. I am certainly not adversed to risk either.

socrates

A_Flock_Of_Sheep wrote: »

I thought the whole point of web forums were for people to share their advice and experience??

My goal is basically Income coupled with the potential for capital growth.

Do you need the income or will it be reinvested?

A_Flock_Of_Sheep

socrates wrote: »

Do you need the income or will it be reinvested?

I would like a choice - to take all or some income or use it for re-investment. Flexible use of income basically.

With regards to period of time my allocation of cash to Equity Income is at the moment about 1/5th of my cash holding. It is cash I do not need in the short term and in fact it could potentially stay there until I die.

IronWolf

I am only invested in two funds. One is Aberdeen Emerging markets, the other is an investment trust winding down. I dont like the manager but it is at a discount to Net asset value so gives a good margin of safety.

I hold a lot of individual shares, and I blog so my portfolio is online here

dunstonh

I thought the whole point of web forums were for people to share their advice and experience??

Investment advice is regulated. The board tends to play it safe when it comes to investments and does not like threads turning into advice. It is fine with the discussion but when you start positioning it as advice, posts start to get deleted and threads closed.

With regards to period of time my allocation of cash to Equity Income is at the moment about 1/5th of my cash holding.

How much to property, fixed interest securities? How much to non-equity income assets?

A_Flock_Of_Sheep

dunstonh wrote: »

Investment advice is regulated. The board tends to play it safe when it comes to investments and does not like threads turning into advice. It is fine with the discussion but when you start positioning it as advice, posts start to get deleted and threads closed.



How much to property, fixed interest securities? How much to non-equity income assets?

The approx 1/5 of my cash asset approx £23k now I have looked properly and logged on is in the Equity Income funds listed at opening. The rest of my cash asset is just that. Cash in Premium Bonds and Cash ISAs.

I also have shares in Tesco, GoAhead, Unilever and Tate & Lyle

So my savings and invesments are - the funds listed here, the shares here and cash. The house is owned outright no mortgage.

That said I have taken decision to sell the Turkey Fund and as of today it was on the upside with a a "profit" of £1,351.21

srcandas

A_Flock_Of_Sheep wrote: »

That said I have taken decision to sell the Turkey Fund and as of today it was on the upside with a a "profit" of £1,351.21

AFOS don't be pushed into action by comments here. Investment is a long game so take your time.

The advice you will receive here is all good stuff but tends to follow very rigid fixed stategies. You get passive supporters, Vanguard supporters, high risk managed fund supporters, individual share supporters, gold bugs, fun players who want to enjoy the investment process (even if it costs a bit), book quoters (like Tim H supporters) .......................................

The thing to do IMHO is try to understand the thinking. Then adapt the bits of that thinking that apply to you and your desires, and formulate your strategy.

There is no perfect answer and all too often you will here "I followed the right strategy but no one could have forseen ......" which demonstrates how tough it is.

Just my two pennies worth but 1) take your time and 2) enjoy it. :beer:

Any

I agree with Srcandas.
When I asked about Turkey, I only asked whethet it was thought out process or "I looked at leader tables and took it". If it is the first, you have higher chances of "monitoring it" then the second... because if you just took the leader without looking at underlying shares etc then you don't know what you are looking for when "monitoring".

And you will get varied answers... I have IP higher income and IP european... I don't own Vanguard.

Others here do...

I am happy with H&L, others say there are cheaper platforms...

At the end of the day, we learn by living life and mistakes we make!! (or not)

A_Flock_Of_Sheep

Any wrote: »

I agree with Srcandas.
When I asked about Turkey, I only asked whethet it was thought out process or "I looked at leader tables and took it". If it is the first, you have higher chances of "monitoring it" then the second... because if you just took the leader without looking at underlying shares etc then you don't know what you are looking for when "monitoring".

And you will get varied answers... I have IP higher income and IP european... I don't own Vanguard.

Others here do...

I am happy with H&L, others say there are cheaper platforms...

At the end of the day, we learn by living life and mistakes we make!! (or not)

With regards to turkey I read a very long article that studied the Turkish markets and suggested current and future significant growth. Hence dipping into Turkey. And as it happens it has paid off handsomely. Perhaps this is attractive to more adventurous investors and I am quite adventurous. It seems the vanguard folk are more passive and pedestrian.

With regards to my attraction to Equity Income it heralds growing capital and income over time which is what I am looking for. But if this is not the right choice based in my amateur status then I am keen to hear of better suggestions.

grizzly1911

A_Flock_Of_Sheep wrote: »

With regards to my attraction to Equity Income it heralds growing capital and income over time which is what I am looking for. But if this is not the right choice based in my amateur status then I am keen to hear of better suggestions.

I am not so sure pedestrian is necessarily the requirement more consistent and resilient.

I share your interest as one counterbalance is bonds but these are also currently seen as "proceed with caution" in case interest rates and inflation take off.:(