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It's time to start digging up those Squirrelled Nuts!!!!
Comments
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Thrugelmir said:7IM has been a poor performer.I think....2
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Sea_Shell said:Just out of interest, here's the current chart for the performance of our ISA funds.
We currently now have £70k in the 7IM and £133k in the Rathbones.
When they were recently both at their high points, they would have been worth c. £74k and £167k (if we had as many units in each as we now have)
So for now we're sitting tight with what we have - shrunken nuts!!!!
We haven't looked at the pension pot figures yet....I'm leaving that joyous task for month end.
"I picked the wrong week to give up drinking"I think....0 -
Morning everyone. Can I join in the nut diggers? Have loved keeping up with your retirement tales.
Just agreed with my IFA to start drawing down from my DC pot - feel quite excited about it.
I'm 60 in April and get a small LGPS pension from then, so I think I can consider myself properly retired. I haven't worked much in the last 2 years as my business (mainly wedding industry) was badly impacted by covid and I shut it down.
Have been managing fine on OH's salary as covid and then a broken ankle meant spending on eating out and holidays has been limited. I was planning to buy a campervan and set off on a 2-3 month UK road trip as a birthday/retirement celebration. But as I can still hardly walk, that's off for at least a year.
We need to tackle our groceries spend as that's gone through the roof while I haven't been able to shop or cook. Been relying on recipe boxes. Without them we would have been living on spag bol for 6 months as it's the only thing OH could cook.
Financially we are solid for at least another 18 months. Then OH's current (academic) contract ends. If he doesn't get a new one, then we can manage but it'll be tighter than we'd like until he starts to draw his USS pension - he's just 53 so a bit of a gap.
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michaels said:Thrugelmir said:7IM has been a poor performer.0
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Thrugelmir said:7IM has been a poor performer.
We haven't added any new money to this fund since April 2019.
Rightly or wrongly, we've periodically taken the profit from it and moved it to the Rathbones.
It's therefore currently worth what we've put in...in £££ terms.How's it going, AKA, Nutwatch? - 12 month spends to date = 2.60% of current retirement "pot" (as at end May 2025)0 -
Thrugelmir said:michaels said:Thrugelmir said:7IM has been a poor performer.I think....0
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michaels said:Thrugelmir said:7IM has been a poor performer.
The 7IM is a steadying influence.
Is that a perfect balance? Probably not, but then what portfolio ever is "perfect".
We don't expect to have to touch the RB fund in the next 10 years, so it can be left alone to (hopefully) recover.How's it going, AKA, Nutwatch? - 12 month spends to date = 2.60% of current retirement "pot" (as at end May 2025)0 -
michaels said:Thrugelmir said:michaels said:Thrugelmir said:7IM has been a poor performer.0
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Thrugelmir said:Sea_Shell said:How's retirement going so far.....
Oh, you know...2 years of a global pandemic, and now the potential for war....swimmingly i'd say11 -
Sea_Shell said:Just out of interest, here's the current chart for the performance of our ISA funds.
We currently now have £70k in the 7IM and £133k in the Rathbones.
When they were recently both at their high points, they would have been worth c. £74k and £167k (if we had as many units in each as we now have)
So for now we're sitting tight with what we have - shrunken nuts!!!!
We haven't looked at the pension pot figures yet....I'm leaving that joyous task for month end.
"I picked the wrong week to give up drinking"
I see that markets have bounced back today from yesterday's losses, so hopefully Rathbone will have gained a bit back when you do your end of month figures.2
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