Red Across the Board

gadgetmind

I once had to develop a porting and testing tool for a complicated mathematics package. I learned far more about underflow, denormals and NaNs than I really wanted to!

We also have teams here we spend most of their working day using mathcad, coming up with complicated algorithms that do difficult things, and then another team get to code this in C, before yet another team attempt to recode in VHDL so it can be done on silicon.

It's all a fair distance away from what you can do with a calculator!

Kendall80

gadgetmind wrote: »

It's all a fair distance away from what you can do with a calculator!

Not for a biological calculator which can process in parallel at rapid rate and draw on experience

Mistermeaner

interesting with this recent dip that the worst hit of all my funds (in both % and value) is my childs CTF which is with 'family investments'. Appreciate they are all S&S etc. but would have hoped a CTF would be a little more protected than some of my others.

Caused me to look more closely at the performance and fundamentals of this fund (not easy to get at as not subscribed to the usual suspects) but performance is pretty pants compared to your bob standard vanguards etc.

Gonna ditch family investments in Apr '15 when I hope to be able to transfer the CTF to a JISA and will move it to my charles stanley platform then manage investment myself. Probably L&G / Vanguard multi-funds

Ryan_Futuristics

Glen_Clark wrote: »

In my day we didn't have calculators

If you lot have stopped patting yourselves on the back, or worked out what's wrong with my maths, here's the article


Total return tells you little about the performance an individual investor is getting from their fund; investor returns provide the 'real-world' picture

If a £10 million fund gains 15% per annum for four years, is rewarded at the start of its fifth year with £50 million in sales, and then declines 15% over the next 12 months, its official five-year total returns will be 8.2% annualised. That number will be printed in the prospectus and on Morningstar.co.uk. In aggregate, though, that fund will have lost more pounds for its shareholders than it made. The return on the average pound in the fund, aka Morningstar Investor Return, will be negative

http://www.morningstar.co.uk/uk/news/131284/proof-fund-investments-are-poorly-timed.aspx

Kendall80

ggb1979 wrote: »

Apr '15 when I hope to be able to transfer the CTF to a JISA and will move it to my charles stanley platform then manage investment myself. Probably L&G / Vanguard multi-funds

That's what i'll be doing. However, I made the mistake of going for a cash CTF in 09 rather than S&S. 5 years of good gains missed out on. Live and learn.


My main ISA will outgrow CSD (regarding fees) soon but the 2 JISAs and wifeys ISA should comfortably see out their time there.

Mistermeaner

Kendall80 wrote: »

That's what i'll be doing. However, I made the mistake of going for a cash CTF in 09 rather than S&S. 5 years of good gains missed out on. Live and learn.


My main ISA will outgrow CSD (regarding fees) soon but the 2 JISAs and wifeys ISA should comfortably see out their time there.

dont worry i only moved out of a cash CTF in November so ahve had none of the gains but enoyed this recent drop. Ho hum

Hoping it recovers in time for April move so that psychologically i exit at no loss

gadgetmind

Kendall80 wrote: »

Not for a biological calculator which can process in parallel at rapid rate and draw on experience

Yeah, but try processing a digital communications baseband signal in your head in realtime!

Kendall80

gadgetmind wrote: »

Yeah, but try processing a digital communications baseband signal in your head in realtime!

Cant do that.


However, I can regulate my heartbeat, body temperature, eye moisture, sugar levels, aswell as fight infection etc. At the same time as listening to PMQs, analysing the taste/smell of my protein shake and considering the nature of the universe

Ryan_Futuristics

Good news from the FOMC meeting - expect a rebound across the board (essentially because nothing's changed)

So might be time to increase positions or rebalance any hard hit funds

(* Not a guarantee - but I'd say things are looking much more positive this half of the week ... Unless the market completely surprises me ... In fact I think we'll suddenly shift into seeing low energy prices as a growth stimulus for 2015 and who knows, that FTSE at 6,800 might even be achievable - pure guesses)

PenguinJim

Green across the board! /o\ NOOOOOOOOooooooo

Edit: phew, Royal Dutch Shell to the rescue! Dive, my pretty, DIVE!

Edit again: RDSB's on the way up, nooo! But there goes GSK!

Why am I watching this? I'm certainly not selling anything today, and I have no more GBP to invest this week. I'm going to do something useful instead... aha! I haven't browsed U.S. property listings this week ->