saving/investing

[Pacemaker]

A good article for both current and potential investors in Premium Bonds.

https://www.moneysavingexpert.com/savings/premium-bonds/

I read that article previously and it is why i have been slowly running down my PB’s into Stocks and Shares ISA’s or gifting the money to family, it is difficult to find tax efficient ways to save with any great returns, you have to go into investments now.

 

[AndyCole]

Rathbone Global Opportunities - 17% growth so far this FY

Legal & General International Index Trust - 16% growth this FY

Both through Hargreaves Lansdown, performance not quite as good as pre-Covid but still very good. There are better performing trusts out there but I’m not in them. I favoured these because of their diversity and spread across sectors (both include Apple, Google, Tesla).

** the value of your investments can go up as well as down.

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pfft. An amateur's game, for small scale punting into the unknown.

As with everything, Earn the right. Earn the right to qualify above the minimum threshold for a top tiered Wealth Manager. Pay the professionals to do a professional job.

I don't see many folk doing their own dentistry, optometry or even servicing their state of the art BMW nowadays.

Unless ofc you're merely dabbling, scratching around with chicken feed.

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[Pacemaker]

Rathbone Global Opportunities - 17% growth so far this FY

Legal & General International Index Trust - 16% growth this FY

Both through Hargreaves Lansdown, performance not quite as good as pre-Covid but still very good. There are better performing trusts out there but I’m not in them. I favoured these because of their diversity and spread across sectors (both include Apple, Google, Tesla).

** the value of your investments can go up as well as down.

.

pfft. An amateur's game, for small scale punting into the unknown.

As with everything, Earn the right. Earn the right to qualify above the minimum threshold for a top tiered Wealth Manager. Pay the professionals to do a professional job.

I don't see many folk doing their own dentistry, optometry or even servicing their state of the art BMW nowadays.

Unless ofc you're merely dabbling, scratching around with chicken feed.

.

What a very arrogant post, who are you to know what is correct and at what value other peoples experience of investment and management of their own hard earned money.

Your view is of limited value to anyone on here, the OP was asking for posters experience of saving and investing not on bragging. Nobody is interested in your arrogant bragging and dismissive opinion of others.

Those that brag about their assets are usually those who have the least in my experience.

 

[AndyCole]

.

pfft. An amateur's game, for small scale punting into the unknown.

As with everything, Earn the right. Earn the right to qualify above the minimum threshold for a top tiered Wealth Manager. Pay the professionals to do a professional job.

I don't see many folk doing their own dentistry, optometry or even servicing their state of the art BMW nowadays.

Unless ofc you're merely dabbling, scratching around with chicken feed.

.

What a very arrogant post, who are you to know what is correct and at what value other peoples experience of investment and management of their own hard earned money.

Your view is of limited value to anyone on here, the OP was asking for posters experience of saving and investing not on bragging. Nobody is interested in your arrogant bragging and dismissive opinion of others.

Those that brag about their assets are usually those who have the least in my experience.

Oh dear, clearly a sore subject for you.

To paraphrase - get some professional advice, not some half witted buncum on a football fans forum. For heck sake.

Nobody's bragging, just imparting sensible financially prudent advice. On a football fans' forum.

TIA.

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[Squarebear]

This is something I fretted over when pondering pensions. Picking a wealth manager for a long-term investment seemed as much a gamble as picking investments. Over the long term, factoring in costs, wealth managers tend to do no better than trackers.

 

[Pacemaker]

Trackers are statistically proven to do better than managed accounts for the vast majority of investors.

 

[JustJack]

Honestly just do a small bit of research and you are ready to forego a professional

They are professionals in that they need to know the law and be experts in regard to moving large sums of money around, not because they can make more money than you

 

[Pacemaker]

What a very arrogant post, who are you to know what is correct and at what value other peoples experience of investment and management of their own hard earned money.

Your view is of limited value to anyone on here, the OP was asking for posters experience of saving and investing not on bragging. Nobody is interested in your arrogant bragging and dismissive opinion of others.

Those that brag about their assets are usually those who have the least in my experience.

Oh dear, clearly a sore subject for you.

To paraphrase - get some professional advice, not some half witted buncum on a football fans forum. For heck sake.

Nobody's bragging, just imparting sensible financially prudent advice. On a football fans' forum.

TIA.

.
.

If using the phrase chicken feed in relation to somebody’s investment is not bragging I don’t know what is. Nobody is giving and nobody asked for advice everyone was asked what others do and their experiences. A sensible approach to ask others and make your own decisions based on the experience of others.

Not a sore subject for me as I am happy with my lot, I have never felt the need to big myself up as I am content with my lot, i have never felt the need to doff my cap to anyone or brag about my house, my locality, my car, my bike etc.

Obviously more of an issue for you and your very negative view of everything, i am sure some medication could help you try and better your mental health.

 

[Squarebear]

Come on, guys. Don't let this become a spat. It takes two to tango. Let's keep the thread on topic.

 

[Squarebear]

Trackers are statistically proven to do better than managed accounts for the vast majority of investors.

Yeah, that was my conclusion.

Going back to when I was looking to start a pension, my accountant referred me to a financial adviser who tried to sell me a particular pension that had astounding charges. He defended this by giving me the "best fund manager" spiel. A bit of Googling showed that many IFAs were pushing the same product owing to generous commission. "DYOR" is certainly a wise rule.

 

[Cooperman]

If using the phrase chicken feed in relation to somebody’s investment is not bragging I don’t know what is. Nobody is giving and nobody asked for advice everyone was asked what others do and their experiences. A sensible approach to ask others and make your own decisions based on the experience of others.

Not a sore subject for me as I am happy with my lot, I have never felt the need to big myself up as I am content with my lot, i have never felt the need to doff my cap to anyone or brag about my house, my locality, my car, my bike etc.

Obviously more of an issue for you and your very negative view of everything, i am sure some medication could help you try and better your mental health.

Empty vessels and all that. This one comes in from elsewhere, usually late at night, with the sole purpose of attempting to get a reaction. The volume of responses that he receives is deteriorating and hopefully reaches the point where 'it' goes away.

 

[Swanjaxs]

Rathbone Global Opportunities - 17% growth so far this FY

Legal & General International Index Trust - 16% growth this FY

Both through Hargreaves Lansdown, performance not quite as good as pre-Covid but still very good. There are better performing trusts out there but I’m not in them. I favoured these because of their diversity and spread across sectors (both include Apple, Google, Tesla).

** the value of your investments can go up as well as down.

.

pfft. An amateur's game, for small scale punting into the unknown.

As with everything, Earn the right. Earn the right to qualify above the minimum threshold for a top tiered Wealth Manager. Pay the professionals to do a professional job.

I don't see many folk doing their own dentistry, optometry or even servicing their state of the art BMW nowadays.

Unless ofc you're merely dabbling, scratching around with chicken feed.

.
.

Wow! Is there anything your not an expert in?
What's your take on Quantum physics...

 

[Pacemaker]

I should know better at my age biting. I know exactly who he is and why I responded I don’t know, it just got my goat with his sneering comment, a bit of a Rees-Mogg like comment.

 

[Jestixty]

The bond yield is minimal and even less than the inflation rate, so it makes no sense to invest in bonds.

 

[Robbie]

Yeah, that was my conclusion.

Going back to when I was looking to start a pension, my accountant referred me to a financial adviser who tried to sell me a particular pension that had astounding charges. He defended this by giving me the "best fund manager" spiel. A bit of Googling showed that many IFAs were pushing the same product owing to generous commission. "DYOR" is certainly a wise rule.

Was stuck in the middle of the farce involving the British Steel Pension Scheme sell off .

Looking to invest big money in a long term secure arrangement , and as the saying went , the vultures started to circle overhead . IFA companies are now a business I tread carefully with since , some awful people about .

I was not in a position or wanted to do my own arrangements , but , if somebody needs IFA advice , do your research and get as much into as possible on the firm handling Your Money .

There were some very sharp and sweet talking reps trying all tricks to get their hands on the cash then , and get their bonus / commision fees too .