Boast / weep about your recent investment decisions HERE

talexuser

bowlhead99 wrote: »

Just in case it's a serious question rather than rhetorical

It was silly/serious, but with an impeccable answer :T

grey_gym_sock

to quantify the silliness, i'd assume that shares will on average outperform cash by very roughly 6% a year, or 0.5% a month. on £25k, that is £125 a month, or about £4 a day.

so, if you save about £8 in dealing charges by waiting till the next regular dealing date to invest, but expect to lose an average of £4 a day in investment returns forgone, then it's worth waiting if the delay in investing is only 1 day, or about break-even if it's 2 days, or a bad idea if it's more than 2 days.

grey_gym_sock

bowlhead99 wrote: »

Grey gym sock and I both use Youinvest.

i have youinvest for a SIPP, and TD direct for a shares ISA. they work similarly for regular investments - you can change your instructions as often as you want, and so on.

bowlhead99

grey_gym_sock wrote: »

i have youinvest for a SIPP, and TD direct for a shares ISA. they work similarly for regular investments - you can change your instructions as often as you want, and so on.

I use TD for most of my ISA investing too, but never tried the regular investing feature as I didn't want to enable it if it wasn't going to be very flexible, so never really looked into it -my contributions are very irregular.

Good to know it's the same as youinvest which handles it pretty well.

Pagg

I diversified into the Far East at the start of the 2014/15 financial year, just as the fun started over there.

george4064

Feb 2016: Sold CF Woodford Eq Income UT
Re-invested proceeds 50/50 into BRCI and PAC. Both slightly contrarian decisions which I'll hold long-term.

March 2016: Topped up EDIN and PAC.

April 2016: Sold large proportion of BKG which has risen nicely over the past few years.
Re-invested 75% of those proceeds into HFEL. Remaining 25% proceeds currently holding as cash.

Shmo

Quite a few regrets in recent years.

Selling a lot of Imperial Tobacco (IMB) at £27 back in 2014; they're now worth around £38.
Not buying more Shell (RDSB) when it fell under £14, hopefully get another chance.
Not selling Santander (BNC) at £6, now worth £3.
Not buying more IHG at £21, currently £29 with a excellent yield since they have been selling off properties.
Buying Carillion at £3 just before it fell to £2.40.
Buying too much BRCI and CYN when they were expensive, and not adding more when they were cheap, still around 20% down on both not counting dividends.

Couple of good buys though:
Air Partner (AIP) at £2.70 in 2014 - now around £4.
Flowtech Fluidpower at 99p last December, now over 140p on good results and a mention in Investor's Chronicle.
Expect them both to drift off over the next year but they have an excellent yield.

And a bunch of good sales in MCLS, RBS, STAN and MAB. All have performed less than stellar lately, especially Standard Chartered - sold out at £11 and they're £5.23 now. Almost makes up for Santander.

To be honest, even the victories feel like failures as I should have committed more. And it's not like I get to spend the money anyway as it just gets reinvested back into the account. Ho-hum.

Dird

Pagg wrote: »

I diversified into the Far East at the start of the 2014/15 financial year, just as the fun started over there.

Impossible to time anything there, someone somewhere is always going to look for a chance to blow themselves up. You're basically just hoping for an oil price rise which is global

darkidoe

grey_gym_sock wrote: »

i have youinvest for a SIPP, and TD direct for a shares ISA. they work similarly for regular investments - you can change your instructions as often as you want, and so on.

Many thanks! Its good to know! I am on TD Direct for S&S ISA and will be using that feature in the future.

Atreyu107

BananaRepublic wrote: »

Not sure how we can boast or weep about recent decisions, investing usually takes years. I recently cashed in a unit trust I bought in 2008 during the crash, and which doubled in value. That is the boast. The weep is that I bought into the tracker myth, and could have made far more. I sold one half before April 6 and one half after. L&G allow you to sell the shares, but take at least 3 working days to transfer the money. So, order to sell goes in on Sunday, shares sold on Monday 3pm. Money arrives in my account sometime on Friday morning. L&G enjoy my money during that time. And in the meantime the markets rise.

Was the tracker a unit trust or an ETF?

In the case of the ETF, settlement takes two working days in the UK, so there will always be a delay.

In the case of the Unit Trust, dealing usually takes place over five days (or more for some funds).

These are not unusual timescales. If you don't like the rules, don't play the game.