bugs4me
Member of DD Central
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Post by bugs4me on Apr 18, 2015 11:18:09 GMT
Just looking at cash I am about 35% P2P (mostly Ratesetter) and 65% High Street ISA's and general cash savings accounts. This is going to change over the next two years dramatically if rates remain the same though as I have many accounts maturing which are above 4% and I am not going to take the 2% currently on offer by the High Street. With P2P my theory is that as soon as you have more than you can afford to lose in it then why limit your exposure above this amount. Anyway, my pension is in mostly equities which seems to me to be a greater gamble. This is coming from the investor who bought into the FTSE when it dropped from 6,900 to 5,000 in 2007 as I thought it would be a good bet only to see it drift down to 4,000. I also bought Bradford and Bingley shares just before the liquidation as they seemed well priced. I bought property in 2007 and then gold at its height. So with a lot now in Ratesetter perhaps this is a warning sign to you all. If you bought the FTSE at 5000 in 2007 you've made 40% in capital appreciation over 8 years, with another 20% or so in dividends, which isn't too bad. Maybe but depends which indices you're looking at. Certainly the FTSE100 was around 6300 in April 2007. You would have course though have those dividends.
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am
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Post by am on Apr 18, 2015 13:01:20 GMT
Checking a chart the FTSE 100 was about 5000 in 2005 and 2009, so perhaps he misremembered the date. I suspect he meant 2009, so that's 40% over 6 years, and 15% or so in dividends. I put some money in about 2010ish - 50% return on the FTSE 100, 60% on North America, 80% on UK property.
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agent69
Member of DD Central
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Post by agent69 on Apr 18, 2015 14:09:51 GMT
The FTSE has been up and down like a yo yo in the last 15 years. Pick the correct time to invest and you would have made a killing, pick the wrong time and it's a different story.
Now where did I put my crystal ball!
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Post by elljay on Apr 18, 2015 15:17:12 GMT
Now where did I put my crystal ball! Next to the flying pig penguin? 
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