Has 2017 Been good for you?

Alexland

It's been really hard work with my wife returning to work part time in March and us juggling childcare from annual leave but the financial results have been compelling and we are firmly in the accumulation stage with ever month being a step forward towards early retirement.

ianthy

A good year financially and really down to this forum – I have learned so much. I transferred my DB pension to a SIPP, split between my IFA and myself. Next year, I plan to take over complete investment of the pot. I Invested the full sum in ISA’s for self and OH and also opened a SIPP for OH, after someone on this forum knocked some sense into me ref tax credits. I was happy retire with OH working on for a few more years but now find myself working again. For 2018, I need to focus on how I want to structure work and continuing to learn more about investing.

verybigchris

Equities up 17.1%, which I'm very happy with. Only downside is that I've been holding too much cash all year (due to protecting myself from a couple of possible risks that never materialised) so I've missed out on some good gains, but I'm not complaining.

lisyloo

Good year for us. DH hoping to retire at 54. I’m not sure but between 55 and 58, so happy with that.

JustAnotherSaver

Hmm i feel so out of place :rotfl:I'm going to take my negativity & jump on out of this thread :rotfl:

Although to try and inject some positivity into myself - i realised from an investing pov that we need to do more at our stage in life (& so have made moves to do this), i've taken control of our investments rather than pay someone to do it (whether that proves to be a good or bad idea we'll find out eventually), i avoided paying another IFA (the previous retired) to take over it because of this forum telling me St James' Place had high charge rates which then put me on to the track of buying literature to try and educate myself regards pensions & investing.

From that i learned enough to at least have the confidence to have a go. I learned that passive investing especially in a fund-of-funds format was very likely the best approach for me (just needed to decide on what fund-of-funds (chose VLS)).

I feel i'm possibly at my limit of being able to educate myself (although hopefully not). I'm aware i ask a lot of questions & feel many of them are stupid which makes me reluctant to come here & bombard but i'm forever grateful to those who take the time to respond.

Looking forward to 2018, i need to sit down & draw out a better action plan and be even more organised (my family would laugh as they think i'm already incredibly organised). Decide what money is going where and see if we can put even more the way of our pensions. Hopefully we can but i also worry that i invest badly (due to never really being sure of myself).

So as far as knowledge goes i'm better off than i was at this stage last year. I should be careful, that almost sounded like i was trying to end on a positive note :rotfl:

MallyGirl

A good year here - I have started to take control of our financial future. I have gone from zero knowledge of investment to a basic understanding with the confidence to make some DIY decisions.
I have adjusted the investments in my company pension, switched off the lifestyle element and started transferring old/small pensions into a new SIPP. I have put the full £20k in an ISA for last year and this one, and this year set up DH with the same. £30k has been salary sacrificed into my pension which has brought me into standard rate tax.
ISAs hold VLS60 so have done fine, everything else is too new to measure progress yet. P2P has been good (no defaults as yet).
Exciting times

Thrugelmir

MallyGirl wrote: »

Exciting times

Potentially very.......Be interesting to see how investors react to more volatile markets.

bostonerimus

My 70/30 asset mix is up 18% which is a bit ridiculous IMHO.......it works out to be 18 years worth of current spending.

TBC15

I take it that’s in $ terms?

economic

TBC15 wrote: »

Very good apart from the last 6 months which were just good.

Transferred my DB scheme to a SIPP that is going very well.

YTD up 23%, can’t help thinking we have had it to good for too long, but that’s the game.

Almost forgot Yo Ho Ho.

Is that in GBP terms?