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Savings and Investments thread
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Investment Bond ? VCT ? If only three was a IFA you could speak to 😂😂😂Rob7Lee said:
And a certain Rob7Lee!golfaddick said:Tories to scrap Stamp Duty if they get into power next time.
And they talk about the other parties & the money tree. I'll have to ask my son to see if they sell them at his Garden Centre. (Dobbies in Keston......as frequented by Fred Sirieix, Rio Ferdinand & Peter Varney !)
He does, but I'm ahead of him, a little over 2/3rds of SIPP now in cash (probably 70% of that was in US S&P500 or NASDAQ ETF's), never a bad time to bank profit in my book. S&S ISA also has very little now in the US.bobmunro said:Words of warning? I get the impression he knows what he's talking about!
Gold is still going crazy, starting to get very tempted to cash some in, but then what........ ISA's are full, Premium bonds are full, Pensions maxed out (I could maybe get another £2k into my wife's).2 -
I'll message you at some point, work are wanting to change my contract from early in the new year which will mean I may need to find a home for some more. Not keen on VCT's though at my age.golfaddick said:
Investment Bond ? VCT ? If only three was a IFA you could speak to 😂😂😂Rob7Lee said:
And a certain Rob7Lee!golfaddick said:Tories to scrap Stamp Duty if they get into power next time.
And they talk about the other parties & the money tree. I'll have to ask my son to see if they sell them at his Garden Centre. (Dobbies in Keston......as frequented by Fred Sirieix, Rio Ferdinand & Peter Varney !)
He does, but I'm ahead of him, a little over 2/3rds of SIPP now in cash (probably 70% of that was in US S&P500 or NASDAQ ETF's), never a bad time to bank profit in my book. S&S ISA also has very little now in the US.bobmunro said:Words of warning? I get the impression he knows what he's talking about!
Gold is still going crazy, starting to get very tempted to cash some in, but then what........ ISA's are full, Premium bonds are full, Pensions maxed out (I could maybe get another £2k into my wife's).1 -
Have you ever listened to "word on the street" podcast? If not, maybe worth a try.PragueAddick said:All, I just have to recommend this podcast I have raced through: Coining It, presented (brilliantly IMO) by Lewis Goodall. It involves Bitcoin and Blackpool, more than that re the content I won’t divulge, just to say that a lot of it was simply jaw-dropping, and throughout, exactly as the presenter intends, the listener faces the constant challenge “What would YOU do?” . One other subsidiary question it left me with was how the **** the town of Fleetwood sustains an EFL level footie club.
Enjoy!1 -
Maybe happening sooner than even he thought.bobmunro said:Words of warning? I get the impression he knows what he's talking about!
Since 4pm markets have dropped sharply. FTSE100 down almost 1% after fairly benign trading all day. Dow Jones down 0.85%, S&P down 1.35% and the tech stock heavy Nasdaq down 1.9%. Not massive falls but anyone looking at graphs will see its heavy selling off.0 -
Isn’t that mostly down to trump posting about China tariffs? Trump led dips are a gift.golfaddick said:
Maybe happening sooner than even he thought.bobmunro said:Words of warning? I get the impression he knows what he's talking about!
Since 4pm markets have dropped sharply. FTSE100 down almost 1% after fairly benign trading all day. Dow Jones down 0.85%, S&P down 1.35% and the tech stock heavy Nasdaq down 1.9%. Not massive falls but anyone looking at graphs will see its heavy selling off.2 -
Probably. Before posting I had been looking to see what news might have sparked it off. Couldn't see anything major on BBC or the Financial pages though.Diebythesword said:
Isn’t that mostly down to trump posting about China tariffs? Trump led dips are a gift.golfaddick said:
Maybe happening sooner than even he thought.bobmunro said:Words of warning? I get the impression he knows what he's talking about!
Since 4pm markets have dropped sharply. FTSE100 down almost 1% after fairly benign trading all day. Dow Jones down 0.85%, S&P down 1.35% and the tech stock heavy Nasdaq down 1.9%. Not massive falls but anyone looking at graphs will see its heavy selling off.0 -
Sorry people, clearly been my big SIPP sell off that has caused market jitters!golfaddick said:
Probably. Before posting I had been looking to see what news might have sparked it off. Couldn't see anything major on BBC or the Financial pages though.Diebythesword said:
Isn’t that mostly down to trump posting about China tariffs? Trump led dips are a gift.golfaddick said:
Maybe happening sooner than even he thought.bobmunro said:Words of warning? I get the impression he knows what he's talking about!
Since 4pm markets have dropped sharply. FTSE100 down almost 1% after fairly benign trading all day. Dow Jones down 0.85%, S&P down 1.35% and the tech stock heavy Nasdaq down 1.9%. Not massive falls but anyone looking at graphs will see its heavy selling off.5 -
One man opens his mouth
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Remove the f out of the last word. He's only helping his friends who knew the drop was coming. I lost 1.6% yesterday. 🥲Diebythesword said:
Isn’t that mostly down to trump posting about China tariffs? Trump led dips are a gift.golfaddick said:
Maybe happening sooner than even he thought.bobmunro said:Words of warning? I get the impression he knows what he's talking about!
Since 4pm markets have dropped sharply. FTSE100 down almost 1% after fairly benign trading all day. Dow Jones down 0.85%, S&P down 1.35% and the tech stock heavy Nasdaq down 1.9%. Not massive falls but anyone looking at graphs will see its heavy selling off.0 -
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Great opportunity to buy equities at a discount before he inevitably backs down or gets what he wants.
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Exactly what I said earlier. Great time to buy dips.Huskaris said:Great opportunity to buy equities at a discount before he inevitably backs down or gets what he wants.Re ai, I’m not convinced it’s the same as the dot com bubble. Yes there are some similarities, but the majority of companies involved in the bubble are either private companies (so bubble bursting would only affect how much money they can raise) and businesses like nvidia, who already have a very profitable non ai related business anyway. It’s not like there’s companies that are being listed and bought up that essentially just have an idea, which is what happened during the dot com bubble.Crypto market also had the biggest liquidation event in its history yesterday, if you’re looking to get exposed to it now might be a good time. Especially altcoins.1 -
Has to be said my guess wasn't looking too good but a quick word with the Donald and I should be back in the game on Monday. Unfortunately.Rob7Lee said:It's been a while, 3 months to go:FTSE100 Level 9,284.83 Name Level Variance % Variance Hornchurch 9275 9.83 0.11% meldrew66 9301 16.17 0.17% Housty 9254 30.83 0.33% blackpool72 9245 39.83 0.43% TheGhostofTomHovi 9236 48.83 0.53% WHAddick 9335 50.17 0.54% CharltonKerry 9234 50.83 0.55% Covered End 9220 64.83 0.70% Carter 9212 72.83 0.78% StrikerFirmani 9365 80.17 0.86% Jamescafc 9200 84.83 0.91% Addickinedi 9176 108.83 1.17% cafcpolo 9395 110.17 1.19% Diebythesword 9400 115.17 1.24% RalphMilne 9168 116.83 1.26% valleynick66 9165 119.83 1.29% guinnessaddick 9152 132.83 1.43% Addick Addict 9424 139.17 1.50% thecat 9136 148.83 1.60% IdleHans 9434 149.17 1.61% @TelMc32 9450 165.17 1.78% fat man on a moped 9116 168.83 1.82% wwaddick 9104 180.83 1.95% golfaddick 9101 183.83 1.98% WishIdStayedInThe Pub 9101 183.83 1.98% Jon_CAFC_ 9088 196.83 2.12% BalladMan 9058 226.83 2.44% Arsenetatters 9525 240.17 2.59% Huskaris 9025 259.83 2.80% Solidgone 9021 263.83 2.84% Rob7Lee 9000 284.83 3.07% Bangkokaddick 8998 286.83 3.09% Pedro45 8925 359.83 3.88% Friend or Defoe 9657 372.17 4.01% LargeAddick 8884 400.83 4.32% Redman 8876 408.83 4.40% Jints 9750 465.17 5.01% holyjo 8810 474.83 5.11% Thread Killer 9761 476.17 5.13% PragueAddick 8725 559.83 6.03% CAFCWest 8621 663.83 7.15% Fortune 82nd Minute 8571 713.83 7.69% HardyAddick 8548 736.83 7.94% bobmunro 8452 832.83 8.97% Lenglover 8301 983.83 10.60% Siv_In_Norfolk 7400 1884.83 20.30% Er_Be_Ab_Pl_Wo_Wo_Ch 6500 2784.83 29.99% 4 -
Indeed, I think we are going to see another 6 months of this competition where at one point pretty much everyone will have been winning!Fortune 82nd Minute said:
Has to be said my guess wasn't looking too good but a quick word with the Donald and I should be back in the game on Monday. Unfortunately.Rob7Lee said:It's been a while, 3 months to go:FTSE100 Level 9,284.83 Name Level Variance % Variance Hornchurch 9275 9.83 0.11% meldrew66 9301 16.17 0.17% Housty 9254 30.83 0.33% blackpool72 9245 39.83 0.43% TheGhostofTomHovi 9236 48.83 0.53% WHAddick 9335 50.17 0.54% CharltonKerry 9234 50.83 0.55% Covered End 9220 64.83 0.70% Carter 9212 72.83 0.78% StrikerFirmani 9365 80.17 0.86% Jamescafc 9200 84.83 0.91% Addickinedi 9176 108.83 1.17% cafcpolo 9395 110.17 1.19% Diebythesword 9400 115.17 1.24% RalphMilne 9168 116.83 1.26% valleynick66 9165 119.83 1.29% guinnessaddick 9152 132.83 1.43% Addick Addict 9424 139.17 1.50% thecat 9136 148.83 1.60% IdleHans 9434 149.17 1.61% @TelMc32 9450 165.17 1.78% fat man on a moped 9116 168.83 1.82% wwaddick 9104 180.83 1.95% golfaddick 9101 183.83 1.98% WishIdStayedInThe Pub 9101 183.83 1.98% Jon_CAFC_ 9088 196.83 2.12% BalladMan 9058 226.83 2.44% Arsenetatters 9525 240.17 2.59% Huskaris 9025 259.83 2.80% Solidgone 9021 263.83 2.84% Rob7Lee 9000 284.83 3.07% Bangkokaddick 8998 286.83 3.09% Pedro45 8925 359.83 3.88% Friend or Defoe 9657 372.17 4.01% LargeAddick 8884 400.83 4.32% Redman 8876 408.83 4.40% Jints 9750 465.17 5.01% holyjo 8810 474.83 5.11% Thread Killer 9761 476.17 5.13% PragueAddick 8725 559.83 6.03% CAFCWest 8621 663.83 7.15% Fortune 82nd Minute 8571 713.83 7.69% HardyAddick 8548 736.83 7.94% bobmunro 8452 832.83 8.97% Lenglover 8301 983.83 10.60% Siv_In_Norfolk 7400 1884.83 20.30% Er_Be_Ab_Pl_Wo_Wo_Ch 6500 2784.83 29.99% 0 -
Expect a rebound, as apparently Mr Trump has said everything will be fine😀0
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Am I missing something or has the FTSE risen quite comfortably this morning?Fortune 82nd Minute said:
Has to be said my guess wasn't looking too good but a quick word with the Donald and I should be back in the game on Monday. Unfortunately.Rob7Lee said:It's been a while, 3 months to go:FTSE100 Level 9,284.83 Name Level Variance % Variance Hornchurch 9275 9.83 0.11% meldrew66 9301 16.17 0.17% Housty 9254 30.83 0.33% blackpool72 9245 39.83 0.43% TheGhostofTomHovi 9236 48.83 0.53% WHAddick 9335 50.17 0.54% CharltonKerry 9234 50.83 0.55% Covered End 9220 64.83 0.70% Carter 9212 72.83 0.78% StrikerFirmani 9365 80.17 0.86% Jamescafc 9200 84.83 0.91% Addickinedi 9176 108.83 1.17% cafcpolo 9395 110.17 1.19% Diebythesword 9400 115.17 1.24% RalphMilne 9168 116.83 1.26% valleynick66 9165 119.83 1.29% guinnessaddick 9152 132.83 1.43% Addick Addict 9424 139.17 1.50% thecat 9136 148.83 1.60% IdleHans 9434 149.17 1.61% @TelMc32 9450 165.17 1.78% fat man on a moped 9116 168.83 1.82% wwaddick 9104 180.83 1.95% golfaddick 9101 183.83 1.98% WishIdStayedInThe Pub 9101 183.83 1.98% Jon_CAFC_ 9088 196.83 2.12% BalladMan 9058 226.83 2.44% Arsenetatters 9525 240.17 2.59% Huskaris 9025 259.83 2.80% Solidgone 9021 263.83 2.84% Rob7Lee 9000 284.83 3.07% Bangkokaddick 8998 286.83 3.09% Pedro45 8925 359.83 3.88% Friend or Defoe 9657 372.17 4.01% LargeAddick 8884 400.83 4.32% Redman 8876 408.83 4.40% Jints 9750 465.17 5.01% holyjo 8810 474.83 5.11% Thread Killer 9761 476.17 5.13% PragueAddick 8725 559.83 6.03% CAFCWest 8621 663.83 7.15% Fortune 82nd Minute 8571 713.83 7.69% HardyAddick 8548 736.83 7.94% bobmunro 8452 832.83 8.97% Lenglover 8301 983.83 10.60% Siv_In_Norfolk 7400 1884.83 20.30% Er_Be_Ab_Pl_Wo_Wo_Ch 6500 2784.83 29.99%
Where is the collapse the Donald promised me?0 -
Looks like he’s found reverse gear earlier than normal.Fortune 82nd Minute said:
Am I missing something or has the FTSE risen quite comfortably this morning?Fortune 82nd Minute said:
Has to be said my guess wasn't looking too good but a quick word with the Donald and I should be back in the game on Monday. Unfortunately.Rob7Lee said:It's been a while, 3 months to go:FTSE100 Level 9,284.83 Name Level Variance % Variance Hornchurch 9275 9.83 0.11% meldrew66 9301 16.17 0.17% Housty 9254 30.83 0.33% blackpool72 9245 39.83 0.43% TheGhostofTomHovi 9236 48.83 0.53% WHAddick 9335 50.17 0.54% CharltonKerry 9234 50.83 0.55% Covered End 9220 64.83 0.70% Carter 9212 72.83 0.78% StrikerFirmani 9365 80.17 0.86% Jamescafc 9200 84.83 0.91% Addickinedi 9176 108.83 1.17% cafcpolo 9395 110.17 1.19% Diebythesword 9400 115.17 1.24% RalphMilne 9168 116.83 1.26% valleynick66 9165 119.83 1.29% guinnessaddick 9152 132.83 1.43% Addick Addict 9424 139.17 1.50% thecat 9136 148.83 1.60% IdleHans 9434 149.17 1.61% @TelMc32 9450 165.17 1.78% fat man on a moped 9116 168.83 1.82% wwaddick 9104 180.83 1.95% golfaddick 9101 183.83 1.98% WishIdStayedInThe Pub 9101 183.83 1.98% Jon_CAFC_ 9088 196.83 2.12% BalladMan 9058 226.83 2.44% Arsenetatters 9525 240.17 2.59% Huskaris 9025 259.83 2.80% Solidgone 9021 263.83 2.84% Rob7Lee 9000 284.83 3.07% Bangkokaddick 8998 286.83 3.09% Pedro45 8925 359.83 3.88% Friend or Defoe 9657 372.17 4.01% LargeAddick 8884 400.83 4.32% Redman 8876 408.83 4.40% Jints 9750 465.17 5.01% holyjo 8810 474.83 5.11% Thread Killer 9761 476.17 5.13% PragueAddick 8725 559.83 6.03% CAFCWest 8621 663.83 7.15% Fortune 82nd Minute 8571 713.83 7.69% HardyAddick 8548 736.83 7.94% bobmunro 8452 832.83 8.97% Lenglover 8301 983.83 10.60% Siv_In_Norfolk 7400 1884.83 20.30% Er_Be_Ab_Pl_Wo_Wo_Ch 6500 2784.83 29.99%
Where is the collapse the Donald promised me?0 -
The markets are learning slowly that TACO rolls back on his bluster very quickly once he realises that he's not holding any cards.China restricts its output of rare earth minerals so genius Donnie retaliates by imposing more taxes on his own people. Have that, Xi!Friday's drop was, as ever, overdone. Markets were inevitably going to rebound to an extent today.2
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Us futures already recovered about half the drop from Friday.CharltonKerry said:Expect a rebound, as apparently Mr Trump has said everything will be fine😀0 -
They’ll open up, just a case of where.Diebythesword said:
Us futures already recovered about half the drop from Friday.CharltonKerry said:Expect a rebound, as apparently Mr Trump has said everything will be fine😀0 -
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More than half of Friday's losses in the US were made up today.
Nothing to see here.2 -
I'm up 23.36% over 12 months
17.63% YTD
30.18% over 6 months
8.47% over past month.
Bought my first bit of gold and silver in an ETF, bit I didn't want to do a full portfolio rebalance, so precious metals currently around 0.2% of my portfolio.
I refuse to buy crypto, for a variety of reasons that I don't see a need to get into as I don't want to yuk someone's yum, but I hold the wisdomtree Blockchain etf which invests in companies involved in crypto, about 4-5% of my total portfolio (reducing it to 2-3%), it's gone absolutely nuts, up 117% in 6 months.3 -
Not sure how your 6 month is so high?! I'm about the same YTD (16.5%) but only 2.5% over the month. I'm still about 1% down from where i was on Friday.Huskaris said:I'm up 23.36% over 12 months
17.63% YTD
30.18% over 6 months
8.47% over past month.
Bought my first bit of gold and silver in an ETF, bit I didn't want to do a full portfolio rebalance, so precious metals currently around 0.2% of my portfolio.
I refuse to buy crypto, for a variety of reasons that I don't see a need to get into as I don't want to yuk someone's yum, but I hold the wisdomtree Blockchain etf which invests in companies involved in crypto, about 4-5% of my total portfolio (reducing it to 2-3%), it's gone absolutely nuts, up 117% in 6 months.
Crpyto seems like a scam to me. Very volatile (I guess like Trump!) And i don't fully understand what it is to be frank. That said i did meet someone at a party who made £2m from it before most of us had heard of it. He's cashed in and has retired off of it.0 -
The 6m is post that crash we had so only the upside of YTD.Friend Or Defoe said:
Not sure how your 6 month is so high?! I'm about the same YTD (16.5%) but only 2.5% over the month. I'm still about 1% down from where i was on Friday.Huskaris said:I'm up 23.36% over 12 months
17.63% YTD
30.18% over 6 months
8.47% over past month.
Bought my first bit of gold and silver in an ETF, bit I didn't want to do a full portfolio rebalance, so precious metals currently around 0.2% of my portfolio.
I refuse to buy crypto, for a variety of reasons that I don't see a need to get into as I don't want to yuk someone's yum, but I hold the wisdomtree Blockchain etf which invests in companies involved in crypto, about 4-5% of my total portfolio (reducing it to 2-3%), it's gone absolutely nuts, up 117% in 6 months.
Crpyto seems like a scam to me. Very volatile (I guess like Trump!) And i don't fully understand what it is to be frank. That said i did meet someone at a party who made £2m from it before most of us had heard of it. He's cashed in and has retired off of it.
Agree on Crypto. I met a guy who made $2m, stayed in too long and lost it all. For every winner, there's several losers, and the winners are much louder than the losers!4 -
Think of crypto like digital assets (a digital gold etc). Iirc FCA have relaxed their rules so you can now begin to invest in regulated bitcoin products with your SIPP and stocks and shares isa. Think it’s worth having small exposure to tbh.
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I don't think it's a good idea to think about crypto in that way. Gold has intrinsic value. It is used to make jewellery and similar which retain or increase their value over time.Diebythesword said:Think of crypto like digital assets (a digital gold etc). Iirc FCA have relaxed their rules so you can now begin to invest in regulated bitcoin products with your SIPP and stocks and shares isa. Think it’s worth having small exposure to tbh.
Bitcoin is just a name. As is Melaniacoin, Turdcoin, etc. And please don't tell me it's a currency. When did you last buy something with bitcoin? And if you did buy something, was the item something you want to fess up to on a public platform?4 -
Gold is also a fantastic protection against currency debasement.PragueAddick said:
I don't think it's a good idea to think about crypto in that way. Gold has intrinsic value. It is used to make jewellery and similar which retain or increase their value over time.Diebythesword said:Think of crypto like digital assets (a digital gold etc). Iirc FCA have relaxed their rules so you can now begin to invest in regulated bitcoin products with your SIPP and stocks and shares isa. Think it’s worth having small exposure to tbh.
Bitcoin is just a name. As is Melaniacoin, Turdcoin, etc. And please don't tell me it's a currency. When did you last buy something with bitcoin? And if you did buy something, was the item something you want to fess up to on a public platform?
And to respond to your question, 2 months ago, and no I won't tell you what it was
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Just shows how behind the times the Uk is though, it’s used as currency in multiple other countries for fully legal and above board transactions.PragueAddick said:
I don't think it's a good idea to think about crypto in that way. Gold has intrinsic value. It is used to make jewellery and similar which retain or increase their value over time.Diebythesword said:Think of crypto like digital assets (a digital gold etc). Iirc FCA have relaxed their rules so you can now begin to invest in regulated bitcoin products with your SIPP and stocks and shares isa. Think it’s worth having small exposure to tbh.
Bitcoin is just a name. As is Melaniacoin, Turdcoin, etc. And please don't tell me it's a currency. When did you last buy something with bitcoin? And if you did buy something, was the item something you want to fess up to on a public platform?0 -
FCA regulated crypto is interesting.Diebythesword said:Think of crypto like digital assets (a digital gold etc). Iirc FCA have relaxed their rules so you can now begin to invest in regulated bitcoin products with your SIPP and stocks and shares isa. Think it’s worth having small exposure to tbh.1 -
I've got a few to sell you. Minimum investment is £100. Let me just get my shovel & I'll dig up a few to show you 🤔Friend Or Defoe said:
FCA regulated crypto is interesting.Diebythesword said:Think of crypto like digital assets (a digital gold etc). Iirc FCA have relaxed their rules so you can now begin to invest in regulated bitcoin products with your SIPP and stocks and shares isa. Think it’s worth having small exposure to tbh.
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