adrianc
Member of DD Central
Posts: 10,042 
Likes: 5,157
|
Post by adrianc on Jan 5, 2015 9:20:25 GMT
There's some interesting posts in the "coming from" thread, particularly with people's attitudes to how big a toe to dip in the p2p pond, and it struck me that it'd be interesting to see where your non-p2p toes are going...
Obviously, none of us are happy with "traditional" investments - 1% here, 2% there, albeit with FSCS coverage - whilst personal experience has put me shy of various traded funds, and I know my personal knowledge is going to get any toe dipped into the mainstream equity market eaten by piranhas.
So - where are you all, other than here?
|
|
|
|
Post by davee39 on Jan 5, 2015 9:33:28 GMT
I have 10% of my cash with a fund supermarket split across income equity and bond funds. The average yield is >4.5%. The service does not give advice but provides a list of good value funds (ie where special deals have been negotiated on fees, and fund managers are seen as competent). The dozen or so funds are spread across numerous markets. The platform IT is exemplary and the service is remarkably efficient, making the fees (at the top end for a fund supermarket) worthwhile.
Since my P2P savings have now exceeded my comfort zone for unprotected funds I am resigned to the rest earning 1.1% online in instant access, and waiting for an improvement in 5 yr bond rates.
|
|
|
|
Post by tybalt on Jan 5, 2015 10:34:12 GMT
PIBS
|
|
bugs4me
Member of DD Central
Posts: 1,845
Likes: 1,478
|
Post by bugs4me on Jan 5, 2015 10:49:15 GMT
tybalt - I cannot see much difference between P2P and PIBS even if you do ignore the co-op fiasco - weren't PIBS affected by their little (or was it a big) disaster. Equities may over the longer term perform well although fund managers do seem to have a fortuitous nature at selecting comparison dates. The FTSE100 has been little more than stagnant during 2014 and the DOW is considered to be overvalued and due for a correction during 2015. All crystal ball glazing though on my part so I take my own thoughts with a pinch of salt. At least with P2P there is more 'direct' access to the platforms (apart from a couple) and long may this continue. Agree with davee39 - once your comfort level has been reached then do not exceed it.
|
|
pikestaff
Member of DD Central
Posts: 2,189
Likes: 1,546
|
Post by pikestaff on Jan 5, 2015 11:18:43 GMT
Currently my wife and I have 51% of our portfolio in cash and deposits, broadly defined (of which 29% is term deposits maturing in the next 2 years), 30% in stocks and shares and 19% in p2p.
As our cash ISAs and deposits mature I expect to switch out of them into stocks and shares and/or p2p, so our portfolio will become significantly more adventurous. I'm OK with that because I'm recently retired, enjoy managing my investments, and have a reasonable pension to fall back on. But it would not be for everybody.
|
|
agent69
Member of DD Central
Posts: 6,055
Likes: 4,441
|
Post by agent69 on Jan 5, 2015 18:37:48 GMT
Cash ISA, Stocks and shares ISA, and a big increase in pension contributions. Oh, and a fair slug every year on a nice holiday.
Surprised nobody has mentioned paying off the divorce!
|
|
|
|
Post by longjohn on Jan 6, 2015 16:47:41 GMT
Cash ISA, Stocks and shares ISA, and a big increase in pension contributions. Oh, and a fair slug every year on a nice holiday. Surprised nobody has mentioned paying off the divorce! Well, now you mention it... I steadily built up savings in the stock market in the early 80s. Used to go to my local Natwest and bought a stock at the counter. £25 a pop, then wait a month for the certificate to arrive. I would be investing £500 each time back then so the cost was huge in relation to the investment. However, the tips in the Investors Chronicle made it worthwhile. Used to keep all the Weekend FT prices in a huge ring binder so I could check the price history and make up charts with pen and paper. Had to write to each company to get them to send me their accounts. Those were the days (not!). Once I was online (32K dialup initially) I joined Prestel and could download prices. Still charted by hand as I had no suitable software then. I started a PEP in 2000 and began transferring my certificated stock into it. Also joined iDealing.com and began online trading. Woo Hoo! Sadly in 2003 I had to sell the lot to pay for my divorce. She got the house, contents and cash. I kept my pension and the mortgage endowment policy. The lawyers got rich (as they always do) and the CSA were ba^%$*ds. I've moved on a long way since then. John
|
|
|
|
Post by mrclondon on Jan 6, 2015 21:58:31 GMT
Most of my non p2p investments are in SIPPs - equity funds with a wide geographical and fund manager distribution. The higher rate tax relief on contributions has made this a no brainer as far as I'm concerned, and consequently I don't have very much in S&S ISA's.
I've got a 25 year endowment policy (unit linked equity funds) maturing in a few weeks time. As you'd expect it's below the target return, but far from the doom and gloom that some of the media reports would have you believe. It remains the correct choice for me 25 years ago as it reduced my montlhy repayments significantly compared to a repayment mortgage at the time. I've earmarked the proceeds from this policy to fund most of the costs of a house extension this year, although initially they might find their way into very short term p2p loans. I'm not a fan of BTL, but each time I've had to move through new jobs I've consistently bought the most expensive property I could afford at the time.
|
|
baldpate
Member of DD Central
Posts: 549
Likes: 407
|
Post by baldpate on Jan 10, 2015 22:04:34 GMT
Being well past retirement age, I'm now no longer in 'accumulating' mode, and mainly into 'consuming' mode:
55% equities
35% cash (or near cash : BS deposits/ cash in ISAs etc)
leaving ...
10% p2p &p2b
A chunk of the cash will soon be going as family gifts. Equities (too much) will be reduced and moved to p2x. All plans subject to first encounter with the enemy (events, dear boy, events!).
|
|
|
|
Post by rudry2677 on Jan 10, 2015 22:45:04 GMT
Non P2P money going.....?
Sainsbury's, Tesco's and my wife.
|
|
j
Member of DD Central
Penguins are very misunderstood!
Posts: 2,188
Likes: 540
|
Post by j on Jan 11, 2015 16:49:29 GMT
Non P2P money going.....? Sainsbury's, Tesco's and my wife. You forgot the kids too! 
|
|
|
|
Post by oldnick on Jan 11, 2015 16:51:13 GMT
Non P2P money going.....? Sainsbury's, Tesco's and my wife. You forgot the kids too! ...and the national debt.
|
|
|
|
Post by rudry2677 on Jan 11, 2015 17:09:54 GMT
Non P2P money going.....? Sainsbury's, Tesco's and my wife. You forgot the kids too! How on Earth did I forget the kids? Perhaps safeguarding my sanity from flashbacks of "I'll pay it back Dad" 
|
|
mikes1531
Member of DD Central
Posts: 6,453
Likes: 2,320
|
Post by mikes1531 on Jan 11, 2015 17:16:18 GMT
You forgot the kids too! How on Earth did I forget the kids? Perhaps safeguarding my sanity from flashbacks of "I'll pay it back Dad" How far back do those flashbacks come from? Your youth? 
|
|
