Your 2017 Financial Review thus Far

chockydavid1983

Cotta wrote: »

How are you finding S&Ss ISAs, do you self manage or does someone manage for you?

I self manage currently but wouldn't rule out using an IFA in the future as my pot continues to grow. I also have a SIPP but haven't added to that since my employer started matching bonus payments as well as standard pay.
I have VLS 100 & 20 (mostly 100 atm but would dial down in the future) plus VG Global Small Cap. I would like to add some commercial physical property at some point.
Whether I end up using an IFA will depend on how much time I want to spend DIY'ing and how much knowledge and experience I can acquire I guess.

bostonerimus

bigadaj wrote: »

Surely not, the trump rally is never ending, that's you negative liberal new Englanders for you.

Expect the worst and hope for the best. The Trump rally has been fueled by the expectation of deregulation, tax cuts and infra structure spending, there will be an inevitable drawback when reality hits home.......but as a passive investor it's "damn the torpedoes, full speed ahead".

enthusiasticsaver

The value of my investments is up probably due to currency fluctuations mainly so that is good.

We have sold a property as we approach my retirement (husband already retired) and gifted 50% to our children. My mum has done this with us over the years and we wish to pass it on. I invested the rest in stocks and shares isas and income funds.

I have calculated all our outgoings and rearranged our investments ready for my retirement. We will comfortably manage £30k income per year for next 2 years until my 2nd DB pension kicks in 2020 and will only need to draw on 10% of our cash fund. We have managed quite comfortably on husbands DB pension (he retired last year age 58) this year and I envisage a similar scenario next year after I retire at the end of this year except we will need to top up our pensions from cash.

Successful planning and luck with investments has meant a good year so far financially.

bigadaj

bostonerimus wrote: »

Expect the worst and hope for the best. The Trump rally has been fueled by the expectation of deregulation, tax cuts and infra structure spending, there will be an inevitable drawback when reality hits home.......but as a passive investor it's "damn the torpedoes, full speed ahead".

Watched trump being interviewed in fox today, made a big play of Obama being the only president in history not to hit 3% growth (I think) a any point in his tenure.

I'd love to be a fly in the wall on the nafta trade talks, possibly more with Trudeau then with the Mexicans.

ianthy

I usually run April to April with the financial year. This year has really been about focusing on setting up our retirement plans.


- In July I moved my DB pension to SIPP. I have split my pot with IFA 60% and 40% self manage.
- Clearing debts on investment properties – 3 are now mortgage free and 2 to go
- Preparing to downsize – would love to do it next year. We have a house ready to go to.
- Learning more about investments. MSE has been so valuable I learnt absolutely loads and I am still learning.
- Restructuring our ISA’s and SIPP’s for self and partner – getting the benefits from SIPPs and ISA’s.
- I would like to end my financial year – April with 4% gain for the period I have been invested the market - which is more like half the year. Who knows...

enthusiasticsaver

Jeems wrote: »

Last year was the year of high interest current accounts and regular savers. 15 of them, or something like that. This was the year I (finally) moved into S&S. Closed the majority of my current accounts.

My first dabble was with forum favorite VLS80 - I sold up when I was up around 7% and decided to go DIY. Up around 4% on those so far in about 3 months so fairly pleased. Really enjoying the learning experience!

I started investing at the beginning of 2015 so almost 3 years ago now. Finally moved away from high interest current accounts. I chose the VLS 60 for our stocks and shares isas and some high yield income funds though but we are retired/about to retire so moderately cautious. Self managed on all rather than IFA but only use multi asset funds.

BrockStoker

My main portfolio is up just a hair over 15% between 1st Jan and yesterday. Quite pleased because it appears to be on track to easily surpass my target if things continue going the way they are.

tara747

Cotta wrote: »

Almost £1k per month, very impressive.

This is my end of September figure, so it's actually £1,049 average per month

Well done on your RS, how much have you saved so far?

george4064

ISA portfolio is up 15% this year (since 31st December 2016).
£9,829 saved this year (so far!)

Total assets up 24% this year.

AlanP_2

Having a very good year so far, touch wood:

Net Worth (excluding house but including mortgage up by 100%)

Excluding DC pension savings from above, Assets - Liabilities is up by 68.4%

Pensions, Savings & Mortgage are being aggresively "managed" to get to that position.

Spending is actively managed but not squeezed - we have had a long haul holiday and spent some on new fencing, about £11k in total which has been funded from income and savings.