Equities Strategy Apr 25, 2019 8:17:25 GMT via mobile
Post by hazellend on Apr 25, 2019 8:17:25 GMT
Some good stuff in this thread, I'll check it all out some time.
I was heavily into P2P from 2014 - 2015 but have now scaled it back to just over 5% of my assets. I've taken some bad losses on FS, Lendy and Bondora but I'm probably still ahead.
I've just found a buyer for my BTL. I just couldn't make the numbers add up and on top of having to repair virtually everything in the property it turned out it would cost a fortune to extend the lease. I'll take the money and search for anything else that generates income.
I had some reasonable income from it but repairs, letting agencies and the tax man ultimately wanted too much of a slice of the pie.
I've started buying some individual stocks. I've got BATS and IMB - the share prices are going nowhere but they're good divi payers. Maybe all that Brexit angst will be good for business.
I've also got the Big Box REIT. This is an ecommerce play. I'm currently teaching English in China. Online shopping is huge here and so the UK is going to need more Big Box warehouses in future if it's going to embrace online shopping as much as they have in Asia and the US.
I got some Belvoir too - they have a good yield and it makes up for selling my BTL. I'm somewhat of an expert in knowing how much money letting agents make. Belvoir are pretty good - I nearly used them to let my own place out.
Other than that I'm mostly in funds. I like the covered call ones, especially the Schroeders Income Maximiser, the Premier Optimum Income and the UBS and Insight ones. I just love getting dividends. Templeton have some high yielding funds too.
I find the Hargreaves Lansdown site is pretty amazing these days. I've been a long time investor there. Their stock charts are really great, and make up for when iii went and ruined itself.
As for other investment themes, I found a robotics fund (Pictet?). I used to work in tech and I think there's still huge opportunities there. Just not for employees as the industry clearly told me that as a guy in my 40's I should clear off out of it and do something else.
AI could be good too. Google have so much data they worked out which niches were the most profitable. For example search for "water coolers" and all you see are their ads. Now they can apply that knowledge to other industries and provide outsourced cloud services for anything that's gigantically profitable. The stuff too small for Google will still make stacks of cash for startups. I actually bought my BTL after making a small niche software product on my kitchen table.
I've invested a fair bit in Asia. There are a lot of strong and stable governments which is good for business. Europe's been dying for decades. I went to Sicily a couple of years ago and it was a sorry sight. The USA is overvalued and the UK is at a major turning point following the failure of the European integration experiment that's been going on for my entire lifetime.
Stop wasting your time and speculating. You know nothing that the market doesn’t. I laugh when I hear people saying USA is overvalued, everybody says and thinks this, it is what is drilled into our brains by “the noise”
Just buy a whole world index tracker and keep buying through thick and thin.
TLDR: Vanguard all world ETF or vanguard life strategy fund is all you need, forget that other stuff.
DOI: 500k holding in vanguard all world (one fund portfolio)