Dow Jones and ftse 100.

Linton

ProDave said:

We each have our own investment strategy.

I would rather miss a rise because I was over cautious, than suffer a fall because I was too brave.

Yes, that is a perfectly rational view to take if a lower long term return is sufficient for your needs.  However continually buying and selling higher risk investments is a very poor way of implementing it.

ProDave

Linton said:

ProDave said:

We each have our own investment strategy.

I would rather miss a rise because I was over cautious, than suffer a fall because I was too brave.

Yes, that is a perfectly rational view to take if a lower long term return is sufficient for your needs.  However continually buying and selling higher risk investments is a very poor way of implementing it.

I have asked before for an example of a safe, low return place to park the money that is in a HL SIPP but nobody yet has suggested where this mythical thing exists.  To put it into a safe savings account would mean taking it out of the SIPP first and paying basic rate tax on it.  Part of my strategy is to time the period when I draw it to avoid any tax on most of it.

So until someone suggests anything else I am left with relatively low risk funds but bailing out if I think there is going to be a crash.

steampowered

ProDave said:

I have asked before for an example of a safe, low return place to park the money that is in a HL SIPP but nobody yet has suggested where this mythical thing exists.  To put it into a safe savings account would mean taking it out of the SIPP first and paying basic rate tax on it.  Part of my strategy is to time the period when I draw it to avoid any tax on most of it.

So until someone suggests anything else I am left with relatively low risk funds but bailing out if I think there is going to be a crash.

You could invest in an absolute return fund, or a gilt / government bond fund?

There is no 100% guarantee that those won't lose money in a crash, but the drops are likely to be very modest.

Something like https://www.blackrock.com/uk/individual/products/229519/ 

Prism

ProDave said:

Linton said:

ProDave said:

We each have our own investment strategy.

I would rather miss a rise because I was over cautious, than suffer a fall because I was too brave.

Yes, that is a perfectly rational view to take if a lower long term return is sufficient for your needs.  However continually buying and selling higher risk investments is a very poor way of implementing it.

I have asked before for an example of a safe, low return place to park the money that is in a HL SIPP but nobody yet has suggested where this mythical thing exists.  To put it into a safe savings account would mean taking it out of the SIPP first and paying basic rate tax on it.  Part of my strategy is to time the period when I draw it to avoid any tax on most of it.

So until someone suggests anything else I am left with relatively low risk funds but bailing out if I think there is going to be a crash.

HSBC Global Strategy Cautious dropped about 10% briefly during March and then had pretty much recovered to the same level as the start of the year by mid May. Is that the kind of thing you are after?

ProDave

Prism said:

ProDave said:

Linton said:

ProDave said:

We each have our own investment strategy.

I would rather miss a rise because I was over cautious, than suffer a fall because I was too brave.

Yes, that is a perfectly rational view to take if a lower long term return is sufficient for your needs.  However continually buying and selling higher risk investments is a very poor way of implementing it.

I have asked before for an example of a safe, low return place to park the money that is in a HL SIPP but nobody yet has suggested where this mythical thing exists.  To put it into a safe savings account would mean taking it out of the SIPP first and paying basic rate tax on it.  Part of my strategy is to time the period when I draw it to avoid any tax on most of it.

So until someone suggests anything else I am left with relatively low risk funds but bailing out if I think there is going to be a crash.

HSBC Global Strategy Cautious dropped about 10% briefly during March and then had pretty much recovered to the same level as the start of the year by mid May. Is that the kind of thing you are after?

That is not far off what I had, but by being out of the market for most of the drop and buying back in, I made an 8% gain, which you will all agree is better than just getting back to where you were.

Prism

ProDave said:

Prism said:

ProDave said:

Linton said:

ProDave said:

We each have our own investment strategy.

I would rather miss a rise because I was over cautious, than suffer a fall because I was too brave.

Yes, that is a perfectly rational view to take if a lower long term return is sufficient for your needs.  However continually buying and selling higher risk investments is a very poor way of implementing it.

I have asked before for an example of a safe, low return place to park the money that is in a HL SIPP but nobody yet has suggested where this mythical thing exists.  To put it into a safe savings account would mean taking it out of the SIPP first and paying basic rate tax on it.  Part of my strategy is to time the period when I draw it to avoid any tax on most of it.

So until someone suggests anything else I am left with relatively low risk funds but bailing out if I think there is going to be a crash.

HSBC Global Strategy Cautious dropped about 10% briefly during March and then had pretty much recovered to the same level as the start of the year by mid May. Is that the kind of thing you are after?

That is not far off what I had, but by being out of the market for most of the drop and buying back in, I made an 8% gain, which you will all agree is better than just getting back to where you were.

8% gain from where? When you bought back in until now? Or from the start of the year?

ProDave

Prism said:

ProDave said:

Prism said:

ProDave said:

Linton said:

ProDave said:

We each have our own investment strategy.

I would rather miss a rise because I was over cautious, than suffer a fall because I was too brave.

Yes, that is a perfectly rational view to take if a lower long term return is sufficient for your needs.  However continually buying and selling higher risk investments is a very poor way of implementing it.

I have asked before for an example of a safe, low return place to park the money that is in a HL SIPP but nobody yet has suggested where this mythical thing exists.  To put it into a safe savings account would mean taking it out of the SIPP first and paying basic rate tax on it.  Part of my strategy is to time the period when I draw it to avoid any tax on most of it.

So until someone suggests anything else I am left with relatively low risk funds but bailing out if I think there is going to be a crash.

HSBC Global Strategy Cautious dropped about 10% briefly during March and then had pretty much recovered to the same level as the start of the year by mid May. Is that the kind of thing you are after?

That is not far off what I had, but by being out of the market for most of the drop and buying back in, I made an 8% gain, which you will all agree is better than just getting back to where you were.

8% gain from where? When you bought back in until now? Or from the start of the year?

From April to last week.

Now waiting for the fall to buy in again for the next recovery / dead cat bounce.

I have given up trying to understand why the market is doing what it is doing, just trying to go with the flow.

Sailtheworld

ProDave said:

Linton said:

ProDave said:

We each have our own investment strategy.

I would rather miss a rise because I was over cautious, than suffer a fall because I was too brave.

Yes, that is a perfectly rational view to take if a lower long term return is sufficient for your needs.  However continually buying and selling higher risk investments is a very poor way of implementing it.

I have asked before for an example of a safe, low return place to park the money that is in a HL SIPP but nobody yet has suggested where this mythical thing exists.  To put it into a safe savings account would mean taking it out of the SIPP first and paying basic rate tax on it.  Part of my strategy is to time the period when I draw it to avoid any tax on most of it.

So until someone suggests anything else I am left with relatively low risk funds but bailing out if I think there is going to be a crash.

You could hold cash in your SIPP couldn't you? Hardly mythical. Isn't £85k covered under the FSCS?

As you want to, very shortly, start taking cash from the SIPP you'd be killing two birds with one stone.

Thrugelmir

ProDave said:

Linton said:

ProDave said:

We each have our own investment strategy.

I would rather miss a rise because I was over cautious, than suffer a fall because I was too brave.

Yes, that is a perfectly rational view to take if a lower long term return is sufficient for your needs.  However continually buying and selling higher risk investments is a very poor way of implementing it.

I have asked before for an example of a safe, low return place to park the money that is in a HL SIPP but nobody yet has suggested where this mythical thing exists. 

Use a Vanguard Target Retirement fund. Would provide you with a broad diversified portfolio that's being rebalanced more cautiously as time passes. 

Stargunner

From April to last week.

Now waiting for the fall to buy in again for the next recovery / dead cat bounce.

I have given up trying to understand why the market is doing what it is doing, just trying to go with the flow.

Only 8% since April. You must be invested in very cautious funds. Even my passive trackers have increased by over 20% since April and some of my active managed growth funds had made over 80% since then until a couple of weeks ago when I sold them.