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Savings and Investments thread

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  • @Rob7Lee you trade funds (as well as shares of course as remember the tips) very regularly I see? What's your thinking behind that?

    Zynex up about 15% today. Anybody benefitting out of their gesture of goodwill?
  • mendonca said:
    @Rob7Lee you trade funds (as well as shares of course as remember the tips) very regularly I see? What's your thinking behind that?

    Zynex up about 15% today. Anybody benefitting out of their gesture of goodwill?
    I put a few in my SIPP when TS arrived and brought Zynex to my notice. Not complaining so far!
  • mendonca said:
    @Rob7Lee you trade funds (as well as shares of course as remember the tips) very regularly I see? What's your thinking behind that?

    Zynex up about 15% today. Anybody benefitting out of their gesture of goodwill?
    I try to rebalance my portfolio once a year. Also if I see a fund way over perform compared to the market such as some of the BG one’s I’ll take some profit.

    EG, I bought a lump of BG positive change last year avg price 2.4 sold 3.82 almost up 60%. On any measure that’s way out performed. Same with BG American, up 48% since last year, bought at average of 14.2 and sold 21.2. I’ve sold my original investment and kept the profit in.

    otherwise most funds are long term holds generally bar a bit of rebalancing and adding to monthly.

    of course they may go up further still, but it’s not often you get a combined 50+% return in around 9 months, if I could do that this year and next also I’ll be retiring then at 50!


  • Rob7Lee said:
    mendonca said:
    @Rob7Lee you trade funds (as well as shares of course as remember the tips) very regularly I see? What's your thinking behind that?

    Zynex up about 15% today. Anybody benefitting out of their gesture of goodwill?
    I try to rebalance my portfolio once a year. Also if I see a fund way over perform compared to the market such as some of the BG one’s I’ll take some profit.

    EG, I bought a lump of BG positive change last year avg price 2.4 sold 3.82 almost up 60%. On any measure that’s way out performed. Same with BG American, up 48% since last year, bought at average of 14.2 and sold 21.2. I’ve sold my original investment and kept the profit in.

    otherwise most funds are long term holds generally bar a bit of rebalancing and adding to monthly.

    of course they may go up further still, but it’s not often you get a combined 50+% return in around 9 months, if I could do that this year and next also I’ll be retiring then at 50!


    Yep, I advocate doing this. I often re-balance client portfolios, especially if they are looking a bit "toppy". Nothing wrong with taking the profit & "banking" it somewhere else. A bit like in the old days with fruit machines. Put in £2 & if you get an early win then bank the original £2 & just play with the winnings.

    Over the past 12 months I have taken quite a bit out of BG American. Usually hold around 8%-9% in a clients portfolio. Once I see it's gone into double figures I prune it back again. Normally find the portfolio needs rebalancing anyway as the Fixed Interest portion would have naturally decreased because of this. 

    Only problem I now have is where to invest these "gains". Fund managers are saying that Fixed Interest isn't going to give much by way of a return over the coming years - a few are recommending absolute return bond funds instead or alternatives / commodities such as Gold. 
  • Rob7Lee said:
    I’ve just today took some profit out of the BG funds, so they’ll shoot up then 😂
    On the contrary. Timed to perfection looking at the Dow and Nasdaq tonight! 
  • Rob7Lee said:
    I’ve just today took some profit out of the BG funds, so they’ll shoot up then 😂
    On the contrary. Timed to perfection looking at the Dow and Nasdaq tonight! 
    Makes a change!
  • It’s at this point you say ‘I didn’t sell enough’
  • Rob7Lee said:
    mendonca said:
    @Rob7Lee you trade funds (as well as shares of course as remember the tips) very regularly I see? What's your thinking behind that?

    Zynex up about 15% today. Anybody benefitting out of their gesture of goodwill?
    I try to rebalance my portfolio once a year. Also if I see a fund way over perform compared to the market such as some of the BG one’s I’ll take some profit.

    EG, I bought a lump of BG positive change last year avg price 2.4 sold 3.82 almost up 60%. On any measure that’s way out performed. Same with BG American, up 48% since last year, bought at average of 14.2 and sold 21.2. I’ve sold my original investment and kept the profit in.

    otherwise most funds are long term holds generally bar a bit of rebalancing and adding to monthly.

    of course they may go up further still, but it’s not often you get a combined 50+% return in around 9 months, if I could do that this year and next also I’ll be retiring then at 50!


    Yep, I advocate doing this. I often re-balance client portfolios, especially if they are looking a bit "toppy". Nothing wrong with taking the profit & "banking" it somewhere else. A bit like in the old days with fruit machines. Put in £2 & if you get an early win then bank the original £2 & just play with the winnings.

    Over the past 12 months I have taken quite a bit out of BG American. Usually hold around 8%-9% in a clients portfolio. Once I see it's gone into double figures I prune it back again. Normally find the portfolio needs rebalancing anyway as the Fixed Interest portion would have naturally decreased because of this. 

    Only problem I now have is where to invest these "gains". Fund managers are saying that Fixed Interest isn't going to give much by way of a return over the coming years - a few are recommending absolute return bond funds instead or alternatives / commodities such as Gold. 
    And that's the dilemma I have when thinking about doing what @Rob7Lee has done there. There's a danger of sticking the money somewhere else for the sake of it. I thought the other rule to follow before selling is "remind yourself of why you bought this fund in the first place..does your rationale for buying still hold good? If so, hold..." 

    Dunno...
  • Rob7Lee said:
    mendonca said:
    @Rob7Lee you trade funds (as well as shares of course as remember the tips) very regularly I see? What's your thinking behind that?

    Zynex up about 15% today. Anybody benefitting out of their gesture of goodwill?
    I try to rebalance my portfolio once a year. Also if I see a fund way over perform compared to the market such as some of the BG one’s I’ll take some profit.

    EG, I bought a lump of BG positive change last year avg price 2.4 sold 3.82 almost up 60%. On any measure that’s way out performed. Same with BG American, up 48% since last year, bought at average of 14.2 and sold 21.2. I’ve sold my original investment and kept the profit in.

    otherwise most funds are long term holds generally bar a bit of rebalancing and adding to monthly.

    of course they may go up further still, but it’s not often you get a combined 50+% return in around 9 months, if I could do that this year and next also I’ll be retiring then at 50!


    Yep, I advocate doing this. I often re-balance client portfolios, especially if they are looking a bit "toppy". Nothing wrong with taking the profit & "banking" it somewhere else. A bit like in the old days with fruit machines. Put in £2 & if you get an early win then bank the original £2 & just play with the winnings.

    Over the past 12 months I have taken quite a bit out of BG American. Usually hold around 8%-9% in a clients portfolio. Once I see it's gone into double figures I prune it back again. Normally find the portfolio needs rebalancing anyway as the Fixed Interest portion would have naturally decreased because of this. 

    Only problem I now have is where to invest these "gains". Fund managers are saying that Fixed Interest isn't going to give much by way of a return over the coming years - a few are recommending absolute return bond funds instead or alternatives / commodities such as Gold. 
    And that's the dilemma I have when thinking about doing what @Rob7Lee has done there. There's a danger of sticking the money somewhere else for the sake of it. I thought the other rule to follow before selling is "remind yourself of why you bought this fund in the first place..does your rationale for buying still hold good? If so, hold..." 

    Dunno...
    Dangerous game that, Richard. It is predicated on your rationale still being valid to you when the market is now behaving otherwise, and makes the assumption that you somehow know more than the market.

    Stop profit/stop loss was the advice given to me decades ago by a very shrewd punter (he was the MD of Ladbrokes at the time!). I have always tried to stick with that, although at my financial stage of life my risk profile has moved very far towards averse!
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  • Rob7Lee said:
    mendonca said:
    @Rob7Lee you trade funds (as well as shares of course as remember the tips) very regularly I see? What's your thinking behind that?

    Zynex up about 15% today. Anybody benefitting out of their gesture of goodwill?
    I try to rebalance my portfolio once a year. Also if I see a fund way over perform compared to the market such as some of the BG one’s I’ll take some profit.

    EG, I bought a lump of BG positive change last year avg price 2.4 sold 3.82 almost up 60%. On any measure that’s way out performed. Same with BG American, up 48% since last year, bought at average of 14.2 and sold 21.2. I’ve sold my original investment and kept the profit in.

    otherwise most funds are long term holds generally bar a bit of rebalancing and adding to monthly.

    of course they may go up further still, but it’s not often you get a combined 50+% return in around 9 months, if I could do that this year and next also I’ll be retiring then at 50!


    Yep, I advocate doing this. I often re-balance client portfolios, especially if they are looking a bit "toppy". Nothing wrong with taking the profit & "banking" it somewhere else. A bit like in the old days with fruit machines. Put in £2 & if you get an early win then bank the original £2 & just play with the winnings.

    Over the past 12 months I have taken quite a bit out of BG American. Usually hold around 8%-9% in a clients portfolio. Once I see it's gone into double figures I prune it back again. Normally find the portfolio needs rebalancing anyway as the Fixed Interest portion would have naturally decreased because of this. 

    Only problem I now have is where to invest these "gains". Fund managers are saying that Fixed Interest isn't going to give much by way of a return over the coming years - a few are recommending absolute return bond funds instead or alternatives / commodities such as Gold. 
    "remind yourself of why you bought this fund in the first place..does your rationale for buying still hold good? If so, hold..." 

    Dunno...
    The rationale around why you bought the fund may still be the same but the amount you bought has changed. Again, it's all to do with diversification. If the fund price has increased by 100% then you are holding more risk as you are "overweight" in that asset - be it US equities, UK bonds, property or even cigarette cards. 
  • edited January 2021
    Rob7Lee said:
    mendonca said:
    @Rob7Lee you trade funds (as well as shares of course as remember the tips) very regularly I see? What's your thinking behind that?

    Zynex up about 15% today. Anybody benefitting out of their gesture of goodwill?
    I try to rebalance my portfolio once a year. Also if I see a fund way over perform compared to the market such as some of the BG one’s I’ll take some profit.

    EG, I bought a lump of BG positive change last year avg price 2.4 sold 3.82 almost up 60%. On any measure that’s way out performed. Same with BG American, up 48% since last year, bought at average of 14.2 and sold 21.2. I’ve sold my original investment and kept the profit in.

    otherwise most funds are long term holds generally bar a bit of rebalancing and adding to monthly.

    of course they may go up further still, but it’s not often you get a combined 50+% return in around 9 months, if I could do that this year and next also I’ll be retiring then at 50!


    Yep, I advocate doing this. I often re-balance client portfolios, especially if they are looking a bit "toppy". Nothing wrong with taking the profit & "banking" it somewhere else. A bit like in the old days with fruit machines. Put in £2 & if you get an early win then bank the original £2 & just play with the winnings.

    Over the past 12 months I have taken quite a bit out of BG American. Usually hold around 8%-9% in a clients portfolio. Once I see it's gone into double figures I prune it back again. Normally find the portfolio needs rebalancing anyway as the Fixed Interest portion would have naturally decreased because of this. 

    Only problem I now have is where to invest these "gains". Fund managers are saying that Fixed Interest isn't going to give much by way of a return over the coming years - a few are recommending absolute return bond funds instead or alternatives / commodities such as Gold. 
    "remind yourself of why you bought this fund in the first place..does your rationale for buying still hold good? If so, hold..." 

    Dunno...
    The rationale around why you bought the fund may still be the same but the amount you bought has changed. Again, it's all to do with diversification. If the fund price has increased by 100% then you are holding more risk as you are "overweight" in that asset - be it US equities, UK bonds, property or even cigarette cards. 
    Spot on, and that's predominantly why I sold some. I've got maybe 15 funds, when you have a few that go up by a serious percentage the plan I had has now changed, much more over weight in certain areas and I was on the max anyway really in those funds.

    As @bobmunro says, I'm no way cleaver enough to beat the market, if I was I wouldn't be piddling around trading in my SIPP & ISA. I also have one eye on the fact I'll be 50 in a couple of years and want to have financial freedom in 5.

    So I maybe don't have quite the risk appetite I once had, when you see the size of the growth in less than 12 months, all at the time when inflation is as flat as a pancake, it's hard to not bank some of that profit. If I could replicate that (which I won't) for the next 3 years I'm going to be very very happy!
  • Rothko said:
    Anyone watching the GameStop stuff in the US? Watching hedge funds being made uncomfortable by kids on Robinhood is great  

  • Rothko said:
    Anyone watching the GameStop stuff in the US? Watching hedge funds being made uncomfortable by kids on Robinhood is great  

    The issue the "professionals" have is that they know the share price is false & that's  why they have been shorting it. A share price is based on what the company is worth, not what people drive it up to be by trying to out do the traders. If there is no value to the Company (or not to the extent the share price has grown 900% in a month) then there is no justification to the share price. It will no doubt come crashing down once the people driving it up have had their fun. 
  • Rothko said:
    Retail is changing the legacy market and institutions are changing the crypto market. What a time to be alive.
  • Rothko said:
    Retail is changing the legacy market and institutions are changing the crypto market. What a time to be alive.
    Chamath is my hero, and he's bang on here. 
  • Rothko said:
    Anyone watching the GameStop stuff in the US? Watching hedge funds being made uncomfortable by kids on Robinhood is great  

    The issue the "professionals" have is that they know the share price is false & that's  why they have been shorting it. A share price is based on what the company is worth, not what people drive it up to be by trying to out do the traders. If there is no value to the Company (or not to the extent the share price has grown 900% in a month) then there is no justification to the share price. It will no doubt come crashing down once the people driving it up have had their fun. 

    Right, and if more people want to buy a share in that company, that makes the company worth more, no? Simple supply and demand.

    these are the same “professionals” who thought crypto was tulip bulbs. They’re hopelessly out of touch with the direction the markets are going in and are left holding big bags of shorts. Good riddance to bears imo. 
    I don't think you can argue that the share price really reflects the value of the company though. I shed no tears for brokers crying about it, they've been beaten at their own game, but the redditers have pretty clearly manipulated the market, think it's quite impressive myself. The same brokers upset about it would do it themselves in the blink of an eye.
    i think it just goes to show that the stock market is just as much of a fugazi as anything else these "professionals" claim are tullip bulbs. 

    Anywho, this has just convinced me more that DEFI is still undervalued, get paid tomorrow and gonna load up on some more defi coins.
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  • Rothko said:
    Anyone watching the GameStop stuff in the US? Watching hedge funds being made uncomfortable by kids on Robinhood is great  

    The issue the "professionals" have is that they know the share price is false & that's  why they have been shorting it. A share price is based on what the company is worth, not what people drive it up to be by trying to out do the traders. If there is no value to the Company (or not to the extent the share price has grown 900% in a month) then there is no justification to the share price. It will no doubt come crashing down once the people driving it up have had their fun. 

    Right, and if more people want to buy a share in that company, that makes the company worth more, no? Simple supply and demand.

    these are the same “professionals” who thought crypto was tulip bulbs. They’re hopelessly out of touch with the direction the markets are going in and are left holding big bags of shorts. Good riddance to bears imo. 
    I don't think you can argue that the share price really reflects the value of the company though. I shed no tears for brokers crying about it, they've been beaten at their own game, but the redditers have pretty clearly manipulated the market, think it's quite impressive myself. The same brokers upset about it would do it themselves in the blink of an eye.
    i think it just goes to show that the stock market is just as much of a fugazi as anything else these "professionals" claim are tullip bulbs. 

    Anywho, this has just convinced me more that DEFI is still undervalued, get paid tomorrow and gonna load up on some more defi coins.
    That tulip bulbs comment really got to you didn't it haha

    Agreed, I heard on a podcast (might have been Lex Fridman?) a while ago that once something becomes a 'game' to people, they detach from the real life consequences, which I think is very similar here
  • Rothko said:
    Anyone watching the GameStop stuff in the US? Watching hedge funds being made uncomfortable by kids on Robinhood is great  

    The issue the "professionals" have is that they know the share price is false & that's  why they have been shorting it. A share price is based on what the company is worth, not what people drive it up to be by trying to out do the traders. If there is no value to the Company (or not to the extent the share price has grown 900% in a month) then there is no justification to the share price. It will no doubt come crashing down once the people driving it up have had their fun. 

    Right, and if more people want to buy a share in that company, that makes the company worth more, no? Simple supply and demand.

    these are the same “professionals” who thought crypto was tulip bulbs. They’re hopelessly out of touch with the direction the markets are going in and are left holding big bags of shorts. Good riddance to bears imo. 
    I don't think you can argue that the share price really reflects the value of the company though. I shed no tears for brokers crying about it, they've been beaten at their own game, but the redditers have pretty clearly manipulated the market, think it's quite impressive myself. The same brokers upset about it would do it themselves in the blink of an eye.
    you are spot on !!!!................ and they can't argue that it's ok to short sell 138% of a company's share float........... they deserve their bloody nose..................... the hedge funds have for far too long manipulated the markets.
  • Rothko said:
    Anyone watching the GameStop stuff in the US? Watching hedge funds being made uncomfortable by kids on Robinhood is great  

    The issue the "professionals" have is that they know the share price is false & that's  why they have been shorting it. A share price is based on what the company is worth, not what people drive it up to be by trying to out do the traders. If there is no value to the Company (or not to the extent the share price has grown 900% in a month) then there is no justification to the share price. It will no doubt come crashing down once the people driving it up have had their fun. 

    Right, and if more people want to buy a share in that company, that makes the company worth more, no? Simple supply and demand.

    these are the same “professionals” who thought crypto was tulip bulbs. They’re hopelessly out of touch with the direction the markets are going in and are left holding big bags of shorts. Good riddance to bears imo. 
    I don't think you can argue that the share price really reflects the value of the company though. I shed no tears for brokers crying about it, they've been beaten at their own game, but the redditers have pretty clearly manipulated the market, think it's quite impressive myself. The same brokers upset about it would do it themselves in the blink of an eye.
    i think it just goes to show that the stock market is just as much of a fugazi as anything else these "professionals" claim are tullip bulbs. 

    Anywho, this has just convinced me more that DEFI is still undervalued, get paid tomorrow and gonna load up on some more defi coins.
    That tulip bulbs comment really got to you didn't it haha

    Agreed, I heard on a podcast (might have been Lex Fridman?) a while ago that once something becomes a 'game' to people, they detach from the real life consequences, which I think is very similar here
    ha yep, especially when ponzi/tulip bulbs hit a downturn they implode and disappear, which hasn't happened to the crypto market - it has returned stronger each time. 
  • The bloodbath hasn't finished yet as pre-market GME is pushing $500 
  • edited January 2021
    Can one of you guys who understand these things explain something to me about shorting, please.

    Lets keep it simple. I own 100 shares in a company that are valued at £20 each. The paper value of those shares to me is £2000.

    A hedge fund comes to me and says can we borrow your shares to short. I say yes.

    The hedge fund sells those shares and pockets £2000. After forcing the share price down, it buys them back for £10 - a £1000 in total - giving the hedge fund an actual profit of £1000.

    Presumably, it then gives me my shares back. But they are now only worth £1000. So through my good work of loaning them my shares, I am now personally £1000 worse off. 

    Clearly I am missing something but on the face of it, why would you loan shares to a company so they can force the price down meaning that you are going to end up owning an asset that is worth less than when you loaned it out? 

  • Rothko said:
    Anyone watching the GameStop stuff in the US? Watching hedge funds being made uncomfortable by kids on Robinhood is great  

    The issue the "professionals" have is that they know the share price is false & that's  why they have been shorting it. A share price is based on what the company is worth, not what people drive it up to be by trying to out do the traders. If there is no value to the Company (or not to the extent the share price has grown 900% in a month) then there is no justification to the share price. It will no doubt come crashing down once the people driving it up have had their fun. 

    Right, and if more people want to buy a share in that company, that makes the company worth more, no? Simple supply and demand.

    these are the same “professionals” who thought crypto was tulip bulbs. They’re hopelessly out of touch with the direction the markets are going in and are left holding big bags of shorts. Good riddance to bears imo. 
    Not sure you know how a Company & their share price coralates. If Gamestop decided to sell off all their stock and other assets (shops, warehouses etc) do you think that would generate enough money to pay all the shareholders to the value of the current share price. Don't think it would. 
  • Can one of you guys who understand these things explain something to me about shorting, please.

    Lets keep it simple. I own 100 shares in a company that are valued at £20 each. The paper value of those shares to me is £2000.

    A hedge fund comes to me and says can we borrow your shares to short. I say yes.

    The hedge fund sells those shares and pockets £2000. After forcing the share price down, it buys them back for £10 - a £1000 in total - giving the hedge fund an actual profit of £1000.

    Presumably, it then gives me my shares back. But they are now only worth £1000. So through my good work of loaning them my shares, I am now personally £1000 worse off. 

    Clearly I am missing something but on the face of it, why would you loan shares to a company so they can force the price down meaning that you are going to end up owning an asset that is worth less than when you loaned it out? 

    I don't really understand it either but I believe the hedge fund pays interest on what they've borrowed as well
  • Can one of you guys who understand these things explain something to me about shorting, please.

    Lets keep it simple. I own 100 shares in a company that are valued at £20 each. The paper value of those shares to me is £2000.

    A hedge fund comes to me and says can we borrow your shares to short. I say yes.

    The hedge fund sells those shares and pockets £2000. After forcing the share price down, it buys them back for £10 - a £1000 in total - giving the hedge fund an actual profit of £1000.

    Presumably, it then gives me my shares back. But they are now only worth £1000. So through my good work of loaning them my shares, I am now personally £1000 worse off. 

    Clearly I am missing something but on the face of it, why would you loan shares to a company so they can force the price down meaning that you are going to end up owning an asset that is worth less than when you loaned it out? 

    I don't really understand it either but I believe the hedge fund pays interest on what they've borrowed as well

    Correct, there's a charge to borrow.
  • Can one of you guys who understand these things explain something to me about shorting, please.

    Lets keep it simple. I own 100 shares in a company that are valued at £20 each. The paper value of those shares to me is £2000.

    A hedge fund comes to me and says can we borrow your shares to short. I say yes.

    The hedge fund sells those shares and pockets £2000. After forcing the share price down, it buys them back for £10 - a £1000 in total - giving the hedge fund an actual profit of £1000.

    Presumably, it then gives me my shares back. But they are now only worth £1000. So through my good work of loaning them my shares, I am now personally £1000 worse off. 

    Clearly I am missing something but on the face of it, why would you loan shares to a company so they can force the price down meaning that you are going to end up owning an asset that is worth less than when you loaned it out? 

    Shorting doesn't lower the value of the share though, they are gambling the share price will come down.
    they would also pay you a fee for 'borrowing' the shares from you.
  • how the fuck is it allowed to short 40% more of the stock then is actually available?

    https://www.zerohedge.com/markets/after-all-139-gamestops-float-still-short
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