hazellend
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Post by hazellend on Mar 23, 2018 11:24:54 GMT
Global equities in a mild correction. I’m trying to rebalance a bit of P2P into equities to buy on the way down.
ABLrate has given excellent liquidity even for loans with a few months to run. Funds stuck in MT and SS.
All new funds from earned income will keep going into equities.
Personally, I am hoping for a big 30-50% global equity crash as I want to accumulate at cheaper prices but happy to buy continuously all the way to bottom
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invester
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Post by invester on Mar 23, 2018 12:09:05 GMT
Which equities in mind? Even some of the big FTSE ones don't look particularly safe but even this is many many times safer than P2P.
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hazellend
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Post by hazellend on Mar 23, 2018 12:21:06 GMT
Which equities in mind? Even some of the big FTSE ones don't look particularly safe but even this is many many times safer than P2P. I invest in an all world passive tracker ETF - VWRL vanguard all world. I can’t beat the market so I don’t try to
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stevio
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Post by stevio on Mar 23, 2018 12:33:54 GMT
Which equities in mind? Even some of the big FTSE ones don't look particularly safe but even this is many many times safer than P2P. I invest in an all world passive tracker ETF - VWRL vanguard all world. I can’t beat the market so I don’t try to I have looked at HSBC MSCI World UCITS ETF (HMWO - Distribution - 1169 holdings - £332M size) OCF 0.15% tracking MSCI World Index iShares Core MSCI World UCITS ETF (SWDA - Accumulation - 1654 holdings - £9762M size) OCF 0.20% tracking MSCI World Index In comparison: VANGUARD FUNDS PLC FTSE ALL-WORLD UCITS ETF (VWRL - Distribution - 3095 holdings - £1294M size) OCF 0.25% tracking FTSE All World Index HSBC cheapest World Tracker ETF and Distribution ETF The iShares was the biggest World tracker ETF in terms of fund size and also cheapest Accumulation ETF hazellend - I would be interested to know if you just use the one tracker for world? do you B&B, if so, do you not buy a similar tracker to get round the 30d rule?
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hazellend
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Post by hazellend on Mar 23, 2018 12:58:39 GMT
I invest in an all world passive tracker ETF - VWRL vanguard all world. I can’t beat the market so I don’t try to I have looked at HSBC MSCI World UCITS ETF (HMWO - Distribution - 1169 holdings - £332M size) OCF 0.15% tracking MSCI World Index iShares Core MSCI World UCITS ETF (SWDA - Accumulation - 1654 holdings - £9762M size) OCF 0.20% tracking MSCI World Index In comparison: VANGUARD FUNDS PLC FTSE ALL-WORLD UCITS ETF (VWRL - Distribution - 3095 holdings - £1294M size) OCF 0.25% tracking FTSE All World Index HSBC cheapest World Tracker ETF and Distribution ETF The iShares was the biggest World tracker ETF in terms of fund size and also cheapest Accumulation ETF hazellend - I would be interested to know if you just use the one tracker for world? do you B&B, if so, do you not buy a similar tracker to get round the 30d rule? Note the FTSE all world index includes emerging markets but MSCI all world doesn’t. I just use the one ETF even though you could reduce costs a little by breaking down into individual ones , but that would be a bit more complicated and increase trading costs. At the moment I haven’t harvested gains yet to avoid CGT but Hargreaves Lansdown make it very easy to transfer investments between spouses accounts for this. I’m not a tax expert although have a good level of knowledge wouldn’t want to misinform. Monevator has a good article. Avoid accumulating ETFs or funds in taxable accounts. The accumulated dividends are still taxable so it gets difficult separating capital gains from dividends
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Post by dan1 on Mar 23, 2018 13:04:24 GMT
Which equities in mind? Even some of the big FTSE ones don't look particularly safe but even this is many many times safer than P2P. I invest in an all world passive tracker ETF - VWRL vanguard all world. I can’t beat the market so I don’t try to I disagree hazellend. I think you could beat the market but the problem is that you'll never know if it was luck or skill!
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macq
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Post by macq on Mar 23, 2018 13:22:30 GMT
I invest in an all world passive tracker ETF - VWRL vanguard all world. I can’t beat the market so I don’t try to I have looked at HSBC MSCI World UCITS ETF (HMWO - Distribution - 1169 holdings - £332M size) OCF 0.15% tracking MSCI World Index iShares Core MSCI World UCITS ETF (SWDA - Accumulation - 1654 holdings - £9762M size) OCF 0.20% tracking MSCI World Index In comparison: VANGUARD FUNDS PLC FTSE ALL-WORLD UCITS ETF (VWRL - Distribution - 3095 holdings - £1294M size) OCF 0.25% tracking FTSE All World Index HSBC cheapest World Tracker ETF and Distribution ETF The iShares was the biggest World tracker ETF in terms of fund size and also cheapest Accumulation ETF hazellend - I would be interested to know if you just use the one tracker for world? do you B&B, if so, do you not buy a similar tracker to get round the 30d rule? not a tax expert but see you mention the 30 day rule this is what i understand - bed & breakfast is the old slang term if moving from a general account into an ISA its called bed & ISA and should happen within a couple of days of the transfer but not the same day which is what i have done the last couple of years.You can even change funds if you wish but that may only be certain platforms
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stevio
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Post by stevio on Mar 24, 2018 5:41:44 GMT
I have looked at HSBC MSCI World UCITS ETF (HMWO - Distribution - 1169 holdings - £332M size) OCF 0.15% tracking MSCI World Index iShares Core MSCI World UCITS ETF (SWDA - Accumulation - 1654 holdings - £9762M size) OCF 0.20% tracking MSCI World Index In comparison: VANGUARD FUNDS PLC FTSE ALL-WORLD UCITS ETF (VWRL - Distribution - 3095 holdings - £1294M size) OCF 0.25% tracking FTSE All World Index HSBC cheapest World Tracker ETF and Distribution ETF The iShares was the biggest World tracker ETF in terms of fund size and also cheapest Accumulation ETF hazellend - I would be interested to know if you just use the one tracker for world? do you B&B, if so, do you not buy a similar tracker to get round the 30d rule? Note the FTSE all world index includes emerging markets but MSCI all world doesn’t. I just use the one ETF even though you could reduce costs a little by breaking down into individual ones , but that would be a bit more complicated and increase trading costs. At the moment I haven’t harvested gains yet to avoid CGT but Hargreaves Lansdown make it very easy to transfer investments between spouses accounts for this. I’m not a tax expert although have a good level of knowledge wouldn’t want to misinform. Monevator has a good article. Avoid accumulating ETFs or funds in taxable accounts. The accumulated dividends are still taxable so it gets difficult separating capital gains from dividends Thank you, good advice Out of interest, what have your actual returns been like for that tracker? Do you use a specific broker and if so, why that one?
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hazellend
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Post by hazellend on Mar 24, 2018 9:05:43 GMT
Note the FTSE all world index includes emerging markets but MSCI all world doesn’t. I just use the one ETF even though you could reduce costs a little by breaking down into individual ones , but that would be a bit more complicated and increase trading costs. At the moment I haven’t harvested gains yet to avoid CGT but Hargreaves Lansdown make it very easy to transfer investments between spouses accounts for this. I’m not a tax expert although have a good level of knowledge wouldn’t want to misinform. Monevator has a good article. Avoid accumulating ETFs or funds in taxable accounts. The accumulated dividends are still taxable so it gets difficult separating capital gains from dividends Thank you, good advice Out of interest, what have your actual returns been like for that tracker? Do you use a specific broker and if so, why that one? Returns have been incredible for that tracker but that is partly because of devalued pound and rising global markets. It has dropped heavily over the last few days due to stocks correcting. A tracker fund will give you all the markets gains but also all of its falls! I use Hargreaves Lansdowne because it is the best website and customer service, and as long as you don't buy funds, very cheap (capped at £45 per year ISA, £200 per year SIPP or nothing in their taxable account) If you are buying funds don't use HL as they are horrendously expensive.
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Liz
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Post by Liz on Mar 24, 2018 15:35:04 GMT
Global equities in a mild correction. I’m trying to rebalance a bit of P2P into equities to buy on the way down. ABLrate has given excellent liquidity even for loans with a few months to run. Funds stuck in MT and SS. All new funds from earned income will keep going into equities. Personally, I am hoping for a big 30-50% global equity crash as I want to accumulate at cheaper prices but happy to buy continuously all the way to bottom I believe we are at the start of a bear market. The data is bad coming out of the US and growth is going to be poor. Add in overpriced stocks, means stocks are currently unattractive. I think I will wait for QE4, before I buy.
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hazellend
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Post by hazellend on Mar 24, 2018 15:40:20 GMT
Global equities in a mild correction. I’m trying to rebalance a bit of P2P into equities to buy on the way down. ABLrate has given excellent liquidity even for loans with a few months to run. Funds stuck in MT and SS. All new funds from earned income will keep going into equities. Personally, I am hoping for a big 30-50% global equity crash as I want to accumulate at cheaper prices but happy to buy continuously all the way to bottom I believe we are at the start of a bear market. The data is bad coming out of the US and growth is going to be poor. Add in overpriced stocks, means stocks are currently unattractive. I think I will wait for QE4, before I buy. Seems like a good idea but I always prefer to just buy now. My experience is when you make an intelligent guess about where the market is going it usually doesn’t happen. Also, I plan on holding forever and believe over 20 years markets are heading much higher
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Post by GSV3MIaC on Mar 24, 2018 16:39:59 GMT
Please point me at your immortality supplier!
But yeah, time beats timing almost every time, although most markets do look awfully fully valued (and some tech stocks look overvalued, if the various governments really do figure out how to extract pounds of flesh from fugitive profits).
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hazellend
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Post by hazellend on Mar 24, 2018 22:55:49 GMT
Please point me at your immortality supplier! But yeah, time beats timing almost every time, although most markets do look awfully fully valued (and some tech stocks look overvalued, if the various governments really do figure out how to extract pounds of flesh from fugitive profits). I’m going to get stored in an amazon.co.uk cryogenics warehouse until they discover a cure for old age 
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Post by GSV3MIaC on Apr 20, 2018 7:43:25 GMT
The problem with only holding 15 is the 6% exposure to a dud, which I would not like in S&S any more than I do in P2P (and my picking is far from perfect). The problem with many more than 15 is keeping track, and the purchase/dealing cost (not such a big deal if you never buy/sell) .. which is why I wound up with about 15 ITs, and another 15 funds (most of the funds having moved to the cheapest place to hold them, which ain't HL).
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r00lish67
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Post by r00lish67 on Apr 20, 2018 9:53:07 GMT
On another tack, can anyone help me overcome a mental block I have going on here?
I'm in my mid-thirties, a believer in passive low-cost investing, and currently have about 50% of my net wealth in equities (mostly in my pension).
I'll definitely be leaving my pension fully exposed to equities, but meanwhile, my P2P exposure has been dwindling as I deem the risk/return on less and less opportunities to be worth it. This is causing me to grow my cash savings, which are obviously returning very little.
Under the passive investing doctrine, with time still (relatively) on my side statistically I should apparently just throw more of my spare cash that I can invest long-term into equities and trust to the market. But, although I'm under no illusions as to my total lack of market edge, the temptation to just sit on the sidelines and wait for the market to finally tank is currently overwhelming, even if takes another 5-10 years.
Does anyone having any material to either shake me out of sitting on the sidelines or convince me that I'm sufficiently exposed and relax with gently depreciating cash for a while?
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