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It's time to start digging up those Squirrelled Nuts!!!!

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  • ex-pat_scot
    ex-pat_scot Posts: 707 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    It is an election year here and in the USA (and in many other places).
    The incumbents have a vested interest in a buoyant economy ahead of the votes.
    Unsurprisingly they will pull various levers to encourage buoyancy, at least until after the next election. They might also leave a number of political grenades for the incoming party, apparently.

    It would be no great surprise then, but not a certainty, if interest rates and inflation were dampened as much as possible, and the result of a strong 2024 stock market performance would result.

    I am soaring ahead, albeit acutely aware that we are certainly in for a turbulent time politically, climatically, economically, technically and from global war-mongering. As ever, a bumpy ride should be the expectation.
  • michaels
    michaels Posts: 29,098 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    When markets appear 'high' I sometimes feel like I have already 'won' and should therefore look at derisking which for me means inflation linked gilts.  Yes you are then giving up an average equity return of a few percent above inflation but you are locking in a real terms acceptable income.

    I wonder if there is any modelling of this sort of approach?
    I think....
  • barnstar2077
    barnstar2077 Posts: 1,648 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    My end of year report will be filed at the end of the month, it looks good so far, but I have to keep reminding myself it could look very different by then!
    Think first of your goal, then make it happen!
  • SouthCoastBoy
    SouthCoastBoy Posts: 1,084 Forumite
    1,000 Posts Fifth Anniversary Name Dropper
    As most I'm in a similar position of record highs for pensions isas etc. But not getting carried away it can easily go the otherway and most probably will. Inflation I think could easily remain stubbornly above the 2% target, so interest rates could remain relatively high. Who knows but I'm not getting too excited. 59 next week but no intention of retiring yet due to the many uncertainties that exist. Turbulent times.
    It's just my opinion and not advice.
  • Sea_Shell
    Sea_Shell Posts: 10,020 Forumite
    Tenth Anniversary 1,000 Posts Photogenic Name Dropper
    michaels said:
    When markets appear 'high' I sometimes feel like I have already 'won' and should therefore look at derisking which for me means inflation linked gilts.  Yes you are then giving up an average equity return of a few percent above inflation but you are locking in a real terms acceptable income.

    I wonder if there is any modelling of this sort of approach?

    I know nothing about these.

    I don't expect recommendations, but can you mention the sort of thing you mean?

    What should I search for?

    Are they available on platforms like other funds?
    How's it going, AKA, Nutwatch? - 12 month spends to date = 2.60% of current retirement "pot" (as at end May 2025)
  • Sea_Shell
    Sea_Shell Posts: 10,020 Forumite
    Tenth Anniversary 1,000 Posts Photogenic Name Dropper
    Sea_Shell said:
    Another music question 😉

    Anyone here listen to Simon Mayo on GHR, especially on Fridays?

    What is the music playing in the background, just after he plays the Muppet Song? (which is about 5.10pm I think)

    We hear it every week and can't pin it down.

    It's not the tequila song or the Fleetwood Mac one.

    Cheers in advance fellow squirrellers.

    No Mayo listeners then 😉
    How's it going, AKA, Nutwatch? - 12 month spends to date = 2.60% of current retirement "pot" (as at end May 2025)
  • westv
    westv Posts: 6,450 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Sea_Shell said:
    Sea_Shell said:
    Another music question 😉

    Anyone here listen to Simon Mayo on GHR, especially on Fridays?

    What is the music playing in the background, just after he plays the Muppet Song? (which is about 5.10pm I think)

    We hear it every week and can't pin it down.

    It's not the tequila song or the Fleetwood Mac one.

    Cheers in advance fellow squirrellers.

    No Mayo listeners then 😉
    If my nan was still alive I could have asked her.
  • eastcorkram
    eastcorkram Posts: 909 Forumite
    Part of the Furniture 500 Posts Name Dropper
    Sea_Shell said:
    Sea_Shell said:
    Another music question 😉

    Anyone here listen to Simon Mayo on GHR, especially on Fridays?

    What is the music playing in the background, just after he plays the Muppet Song? (which is about 5.10pm I think)

    We hear it every week and can't pin it down.

    It's not the tequila song or the Fleetwood Mac one.

    Cheers in advance fellow squirrellers.

    No Mayo listeners then 😉
    Sorry, I did try. I even went on the app, and listened to that part of the show. But if you're talking about the music he talks over, straight after the Muppets, I just don't know what that is. 
    It does sound vaguely familiar, but I can't place it. 
  • Sea_Shell
    Sea_Shell Posts: 10,020 Forumite
    Tenth Anniversary 1,000 Posts Photogenic Name Dropper
    Sea_Shell said:
    Sea_Shell said:
    Another music question 😉

    Anyone here listen to Simon Mayo on GHR, especially on Fridays?

    What is the music playing in the background, just after he plays the Muppet Song? (which is about 5.10pm I think)

    We hear it every week and can't pin it down.

    It's not the tequila song or the Fleetwood Mac one.

    Cheers in advance fellow squirrellers.

    No Mayo listeners then 😉
    Sorry, I did try. I even went on the app, and listened to that part of the show. But if you're talking about the music he talks over, straight after the Muppets, I just don't know what that is. 
    It does sound vaguely familiar, but I can't place it. 
    Yeah, that's the bit.   We can't place it either, but it sounds familiar as you say.
    How's it going, AKA, Nutwatch? - 12 month spends to date = 2.60% of current retirement "pot" (as at end May 2025)
  • Hoenir
    Hoenir Posts: 7,742 Forumite
    1,000 Posts First Anniversary Name Dropper
    Sea_Shell said:
    michaels said:
    When markets appear 'high' I sometimes feel like I have already 'won' and should therefore look at derisking which for me means inflation linked gilts.  Yes you are then giving up an average equity return of a few percent above inflation but you are locking in a real terms acceptable income.

    I wonder if there is any modelling of this sort of approach?

    I know nothing about these.

    I don't expect recommendations, but can you mention the sort of thing you mean?

    What should I search for?

    Are they available on platforms like other funds?
    Better suited to institutional investors such as pension funds. Where known liabilities are financed with corresponding assets. Never designed as an investment for retail investors per se. 
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