blender
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Post by blender on Dec 9, 2019 14:45:33 GMT
You do know the whole Santa Clause naughty or nice list thing is just a myth? This is a P2P forum its a bit late to be telling people there's no such thing as Father Christmas now Yes, FC has blown it. Santa Claus is not allowed to give the watch until you have completed certification with the elves and passed the appropriateness test. Even then, Santa has to pass a DBS check for each recipient of his largesse.
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Post by carol167 on Dec 9, 2019 16:03:22 GMT
Thincats giving up is the last straw for me, it is now a question of deciding where to invest all the money withdrawn from UK P2P sites, I am beginning to get nervous about Euro sites too, so not just where to invest repayments.
Passive index shares. That's my long term strategy. I do Vanguard's Lifestyle ones 40/60 & 60/40 plus their retirement one for 2030.
Drip feed, sit back and relax.
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scc
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Post by scc on Dec 9, 2019 16:34:20 GMT
All going into Premium Bonds for now, then an ISA once that's full. My pension is enough exposure to S&S etc I figure. I want a few more years expenses in safe cash like investments with the low interest rates offset by my remaining P2P.
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macq
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Post by macq on Dec 9, 2019 17:21:06 GMT
Thincats giving up is the last straw for me, it is now a question of deciding where to invest all the money withdrawn from UK P2P sites, I am beginning to get nervous about Euro sites too, so not just where to invest repayments.
Passive index shares. That's my long term strategy. I do Vanguard's Lifestyle ones 40/60 & 60/40 plus their retirement one for 2030.
Drip feed, sit back and relax.
my wife is looking at using the target dated fund in Vanguards new Sipp early next year - but does using VLS40 and VLS60 not end up duplicating the holdings? i.e the top holdings in 2030 (but maybe not the rest) look the same as VLS60 moving down to 20 or 40 by the end
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Post by carol167 on Dec 9, 2019 18:31:34 GMT
Passive index shares. That's my long term strategy. I do Vanguard's Lifestyle ones 40/60 & 60/40 plus their retirement one for 2030.
Drip feed, sit back and relax.
my wife is looking at using the target dated fund in Vanguards new Sipp early next year - but does using VLS40 and VLS60 not end up duplicating the holdings? i.e the top holdings in 2030 (but maybe not the rest) look the same as VLS60 moving down to 20 or 40 by the end Back when I started some years ago now, the Retirement Funds didn't exist. So I started with the 60/40 (Eq/Bonds), then as I got older, I started adding to the 40/60 to increase the bond % to be more aligned to my age, to reduce the risk as I age. Then when they started doing the Retirement funds (which they auto rebalance as you get nearer the date you've picked to de-risk) I started adding to that as well.
If I was starting afresh now - I would just pick the retirement fund. But that's me. As I'm already committed to the Lifestyle funds I have to also keep adding to the 40/60 (Eq,Bonds) fund to continue to rebalance as I get older.
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macq
Member of DD Central
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Post by macq on Dec 9, 2019 19:22:34 GMT
my wife is looking at using the target dated fund in Vanguards new Sipp early next year - but does using VLS40 and VLS60 not end up duplicating the holdings? i.e the top holdings in 2030 (but maybe not the rest) look the same as VLS60 moving down to 20 or 40 by the end Back when I started some years ago now, the Retirement Funds didn't exist. So I started with the 60/40 (Eq/Bonds), then as I got older, I started adding to the 40/60 to increase the bond % to be more aligned to my age, to reduce the risk as I age. Then when they started doing the Retirement funds (which they auto rebalance as you get nearer the date you've picked to de-risk) I started adding to that as well.
If I was starting afresh now - I would just pick the retirement fund. But that's me. As I'm already committed to the Lifestyle funds I have to also keep adding to the 40/60 (Eq,Bonds) fund to continue to rebalance as I get older.
thanks -that makes sense (in a good way )
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JamesFrance
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Port Grimaud 1974
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Post by JamesFrance on Dec 10, 2019 10:19:55 GMT
About 10 years ago I decided to avoid bonds and they have produced poor returns ever since. I don't see the point of moving to bonds when approaching retirement unless the aim is to sell everything at that time. Being over 80 I hope there is a correction before I go, to lessen the risk of my children having to pay IHT which could be horrendous if someone like Corbyn got in.
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Post by carol167 on Dec 10, 2019 10:35:44 GMT
About 10 years ago I decided to avoid bonds and they have produced poor returns ever since. I don't see the point of moving to bonds when approaching retirement unless the aim is to sell everything at that time. Being over 80 I hope there is a correction before I go, to lessen the risk of my children having to pay IHT which could be horrendous if someone like Corbyn got in.
Well, bonds might make less, but increasing stability on a portfolio keeps me sane. It's all about risk and stress levels.
I also hate rollercoasters, although to be fair I've never been on one, I just know I never want to. :-)
Each to their own tolerances.
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macq
Member of DD Central
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Post by macq on Dec 10, 2019 12:23:27 GMT
About 10 years ago I decided to avoid bonds and they have produced poor returns ever since. I don't see the point of moving to bonds when approaching retirement unless the aim is to sell everything at that time. Being over 80 I hope there is a correction before I go, to lessen the risk of my children having to pay IHT which could be horrendous if someone like Corbyn got in.
Well, bonds might make less, but increasing stability on a portfolio keeps me sane. It's all about risk and stress levels.
I also hate rollercoasters, although to be fair I've never been on one, I just know I never want to. :-)
Each to their own tolerances.
would agree about bonds - at the end of the day they should not be compared with the returns from equity and they are hopefully doing a different thing for your portfolio hence Vanguards idea of trying to protect some of what you have made instead of chasing more.If i use that 10 year time span(but taking into account whats said about past performance etc) on a couple of popular bond funds from the likes of Baillie Gifford or Royal London to check i can see annualised returns of 8% - 9% or yield of 3.5 to 5%.At the end of the day can that be classed as poor returns especially when compared to p2p?
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Post by gravitykillz on Dec 13, 2019 2:07:56 GMT
Thincats giving up is the last straw for me, it is now a question of deciding where to invest all the money withdrawn from UK P2P sites, I am beginning to get nervous about Euro sites too, so not just where to invest repayments. I am no longer investing in small p2p platforms. Just sticking to ratesetter and assetz. Although have money stuck in crowdproperty and lendinvest. Pulled out of loanpad as well.
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JamesFrance
Member of DD Central
Port Grimaud 1974
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Post by JamesFrance on Dec 13, 2019 10:20:49 GMT
Thincats giving up is the last straw for me, it is now a question of deciding where to invest all the money withdrawn from UK P2P sites, I am beginning to get nervous about Euro sites too, so not just where to invest repayments. I am no longer investing in small p2p platforms. Just sticking to ratesetter and assetz. Although have money stuck in crowdproperty and lendinvest. Pulled out of loanpad as well. I had a lot in Assetz which I considered to have good liquidity, but have withdrawn much of it now as I became concerned about the continuation of instant access or loan resales with so many shocks in the industry.
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Post by stuartassetzcapital on Dec 16, 2019 10:31:48 GMT
I am no longer investing in small p2p platforms. Just sticking to ratesetter and assetz. Although have money stuck in crowdproperty and lendinvest. Pulled out of loanpad as well. I had a lot in Assetz which I considered to have good liquidity, but have withdrawn much of it now as I became concerned about the continuation of instant access or loan resales with so many shocks in the industry. James You are right to be aware of the potential for poor liquidity on P2P loans from time to time and the reality of that now visible on some platforms. We weren't mentioned in the Sunday Times article on this sales fees/ liquidity speed matter for reasons that we are pretty much the only one not charging aftermarket fees still and also still having same-second liquidity - £1.5bn redeemed in the Access Accounts exactly and immediately when requested - in 'normal market conditions' only but also it seems in slightly more difficult market conditions recently too. Of course the only thing you can say is that there will come a time when our market clogs up for a bit too but on a relative scale you can see we have been at the very good end of the spectrum due to our system design and business processes. There is also a degree of drive for growth that harms a platform's liquidity in my view and that hasn't been there with us in this uncertain past year to protect lenders and ourselves and that has also aided our liquidity versus go-for-growth-at-any-cost platforms. Fortunately we now have blue sky showing since the storm clouds cleared late last week so perhaps all platforms begin to improve again. I hope that helps.
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corto
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one-syllabistic
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Post by corto on Dec 16, 2019 11:41:05 GMT
About 10 years ago I decided to avoid bonds and they have produced poor returns ever since. I don't see the point of moving to bonds when approaching retirement unless the aim is to sell everything at that time. Being over 80 I hope there is a correction before I go, to lessen the risk of my children having to pay IHT which could be horrendous if someone like Corbyn got in. You must be a lucky one. Most people indeed sell their assets and buy an annuity around retirement age or go into drawdown and use it all up until they go visit their creator. Bonds reduce the risk that they run out before, and their returns weren't actually that bad; clearly much superior to savings accounts. A correction would almost certainly go downwards, and by a significant amount. What advantage do you see in that? If you don't mind losing a lot of money, you almost seem to welcome the possibility, you could alternatively consider investing in AIM shares, or SEIS or EIS supported young companies. Most of them are exempt of Inheritance tax, but various conditions apply. I'm sure you have already started gifting your money to the kids.
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