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Post by carol167 on Oct 13, 2016 16:21:19 GMT
Cash = 25.63% (includes cash savings, cash ISAs and Premium Bonds) P-T-P = 22.5% (across 9 platforms) Shares = 4.28% (mostly passive indexing) House = 47.51% (just inside the M25)
FS Pension not included.
If you exclude the house then it's :- Cash = 48.83% P-T-P = 43.01% Shares = 8.16%
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Post by carol167 on Oct 13, 2016 15:33:59 GMT
Well I hope no one wants to auto invest only in tranche Bs as you can only select just As or As&Bs. Seems odd not to offer that as an option.
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Post by carol167 on Oct 13, 2016 13:58:31 GMT
I suspect that January will be too late for a lot of people anyway (myself included). Having intended to go FISA this year and waited till August to see how things shaped, I made the decision to top up my share portfolio instead due to the uncertainty.
I can imagine there will be an FISA surge come the new tax year though, as the dust settles a bit and people have a fresh allocation to use.
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Post by carol167 on Feb 10, 2016 9:57:43 GMT
Lord Turner......"Former City regulator"
I sure hope he wasn't in charge of regulating the banks then.....
Cause that turned out oh so well!
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Post by carol167 on Jan 4, 2016 22:04:21 GMT
As a test, I've had about 15-20 instances today (4 in past 10 mins on loan 74 for £5k each time beaten by a***********y ) where I refreshed f5 every 1-2 secs & every single time I have been beaten. I am no slouch on the keyboard. There is no way, where we are talking about milliseconds for me to see the units just come on SM, place the order & still miss so many times in one day. Bots are certainly being used by some. Not bothered myself as am almost fully invested on SS but can undertand the frustrations of so many people now that I've had a proper go myself at trying to constantly to no avail I think you meant loan 49. I was trying on those too. Not a bean. Did managed to scrounge £100 on 74 earlier though. So fingers can win sometimes it seems.
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Post by carol167 on Jan 4, 2016 16:09:00 GMT
The problem I currently have is that I do not have any more money to invest. I need to earn more. Any ideas short of a day time job? Erm.... Spend less ?
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Lendy (L) in Administration
Bots on SM?
Dec 21, 2015 12:33:40 GMT
Post by carol167 on Dec 21, 2015 12:33:40 GMT
I have only 1 thing to say to those using bots.....
How very selfish of you!
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Post by carol167 on Dec 5, 2015 12:32:36 GMT
I'm surprised by the amount of activity on the forum for a Friday afternoon. My excuse is I'm currently on holiday in Fuerteventura, but what I want to know is ..... Why aren't you lot at work?You're assuming everybody needs to work. Given the fact that these are forums about managing money, there is a high chance quite a few people on here don't need to work other than spending their time actively managing their portfolios to maximise incomes. It can be a job in itself at times. C.
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Post by carol167 on Dec 2, 2015 11:32:11 GMT
Just like busses..... I've now got three SMS's and 3 codes. :-) I'm Back! I think I need a new phone. Looks hopefully at Santa's stocking.
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Post by carol167 on Dec 2, 2015 11:20:48 GMT
Thanks but a) I haven't changed computers and b) my phone has not had any text message from SS today. (so far anyway). I did move the mobile number to the correct field when they switched websites last week and I did go through the use the authorize method - and they did send me a code on that day which worked. Yes Ive tried the same code today - but as I would have hoped - it didn't work - you need a new code - which has not magicked it's way to my mobile. I did get the sms about the new loan going live. I dunno... two emails every time SS emails me now... and no phone code. We're doing well. 1 step forwards, 2 steps backwards.
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Post by carol167 on Dec 2, 2015 11:07:55 GMT
Just been asked on the platform to submit the Authorize Token that's been sent to my mobile before I can do anything else on the platform. Except I haven't been sent it. So now I'm completely locked out - I can't even access the contact form to email SS to tell them. Lovely. Thanks. Very helpful. I guess I'll wait a bit and hope or something. Anyone got their phone number ? SS - perhaps leaving the contact form still accessible would be useful.
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Post by carol167 on Sept 20, 2015 8:52:07 GMT
I'm only recently turned 34 but would hope to have the choice to work or not by 50. I don't earn huge amounts but do save about 40% of my wages while still having a fairly active social life. If I was no longer working and living off investments, I would describe myself as retired. The unofficial rule is that you need 25 times your annual spend in savings. That way you can pull out 4% each year and if history repeats itself you will not dip into your capital. You may find you actually add to capital in boom years. Would be interested to know (if I'm not being too nosey) if the ones that say they are living off savings.. Well if they had 25 times expenditure before they pulled the plug on working life? Just done the math.... and the amount invested is 26.6 times the nett income I get each month (which is slightly more than the half I was used to when working - would save the other half (so I am technically better off than when I was working)). I do have an additional 5 times currently invested getting capital growth. Couldn't have done this without P-2-P in the current climate. I only have <25k in the stock market. I currently invest in 8 different P-2-P platforms. Pension kicks in in 14 years time (final salary). That will nearly double my current income.
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Post by carol167 on Sept 15, 2015 13:04:58 GMT
Are those returns net of tax or gross? I'd love to be in the position to live off P2P income (or any investment income). I find it, however, incredibly difficult to project forward so far into the future. Trying to get some sort of sense what investment returns, inflation and taxation might be over the next 60 years or so (I'm early 40s) tends to make me rather conservative so I stay working. What sort of inflation, tax, longevity assumptions are those of you dependent on P2P income making? Do you have a guaranteed back-up income or lump sum of capital (final salary pension, inheritance) to fall back on? All the P-2-P stuff is Gross of course, the rest is either ISA, Stocks or other bits that give Nett. I do have a lump sum to fall back on (part inheritance, part savings from a 22 year job) after all that is what is giving me the investment income and in any case pensions kick in in about 16 years time. Yes it's a final salary one plus the state pension. I took VR in 2012. It all depends on your outgoings. You can live well on a small amount or you can be poor with a massive income - it all depends on how you live and the choices you make. Finding the right balance is the key.
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Post by carol167 on Sept 15, 2015 9:25:54 GMT
I'm doing this.
My P-2-P overall percentage is currently 6.04% across 8 platforms. With everything else it's closer to 5%. But then I would see myself as being a bit cautious. I've been investing in P-2-P just over 3 years now.
I'm 51.
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