mrk
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Post by mrk on Aug 5, 2022 10:11:56 GMT
So we're heading for negative growth and high interest rates. What are you planning to do to protect your hard-earned savings?   |
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travolta
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Post by travolta on Aug 5, 2022 10:45:33 GMT
mm,just sold all my water utilities and have approx £10,000 waiting for a nice dividend share / thingy .
Any no blame suggestions ? Looking @ HAT but everyone is piling in.....
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mrk
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Post by mrk on Aug 5, 2022 12:21:12 GMT
I never pick individual stocks, only invest in index tracker funds. I'm reducing my exposure to UK equities, based on this other chart. (Don't mean start a political debate on UK vs other countries, there's enough of that in other threads.)  As for P2P a recession just reinforces my existing approach: only invest in property-backed loans with low LTV. Consumer and business lending are looking even riskier now. |
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keitha
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2024, hopefully the year I get out of P2P
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Post by keitha on Aug 5, 2022 13:18:10 GMT
mm,just sold all my water utilities and have approx £10,000 waiting for a nice dividend share / thingy . Any no blame suggestions ? Looking @ HAT but everyone is piling in..... I'd suggest Indivior but think train has left the station on that its hugely up in last 3 years Haleon has potential but if you think not then GSK may be a punt, as GSK spun it off so .... one thing that does depress me is how badly "green" shares ( Wind turbines Energy storage etc ) are doing and how well Fossil Fuels are doing, the markets seem way out of touch with public opinion. Or perhaps they are in touch with public opinion and it's the media that are out of touch Happened to be in local Building Society yesterday, in July they increased the rate on my "Feeder account" to 0.9% from 0.1% so I guess that will go up again Will be interesting to see what the regular savings will be as this years was decent at the time ( November ) at just over 1% Use the Account to Feed a regular savings and also to put any cheques in I get as it is a walk from the house rather than a 25 mile round trip to nearest branch of my bank
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Post by Deleted on Aug 5, 2022 13:43:34 GMT
one thing that does depress me is how badly "green" shares ( Wind turbines Energy storage etc ) are doing and how well Fossil Fuels are doing, the markets seem way out of touch with public opinion. Or perhaps they are in touch with public opinion and it's the media that are out of touch Markets are essentially just public/collective opinion when the participants actually have money at stake. Hence, the participants are incentivized to look at the issue rationally and dispassionately rather than virtue signalling. Having money at stake is a great way of separating reality from bullsh!t 
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mrk
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Post by mrk on Aug 5, 2022 14:19:16 GMT
one thing that does depress me is how badly "green" shares ( Wind turbines Energy storage etc ) are doing and how well Fossil Fuels are doing, the markets seem way out of touch with public opinion. Or perhaps they are in touch with public opinion and it's the media that are out of touch Markets are essentially just public/collective opinion when the participants actually have money at stake. Hence, the participants are incentivized to look at the issue rationally and dispassionately rather than virtue signalling. Having money at stake is a great way of separating reality from bullsh!t My BlackRock Sustainable Energy Fund isn't doing too badly if I look at the 3/5 year returns. I think part of the problem is the time frame. You can't build and deploy a new wind turbine project in just a few months, but you can buy more fossil fuels from Saudi Arabia to replace those from Russia.
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michaelc
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Say No To T.D.S.
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Post by michaelc on Aug 5, 2022 14:26:06 GMT
mm,just sold all my water utilities and have approx £10,000 waiting for a nice dividend share / thingy . Any no blame suggestions ? Looking @ HAT but everyone is piling in..... I'd suggest Indivior but think train has left the station on that its hugely up in last 3 years Haleon has potential but if you think not then GSK may be a punt, as GSK spun it off so .... one thing that does depress me is how badly "green" shares ( Wind turbines Energy storage etc ) are doing and how well Fossil Fuels are doing, the markets seem way out of touch with public opinion. Or perhaps they are in touch with public opinion and it's the media that are out of touchHappened to be in local Building Society yesterday, in July they increased the rate on my "Feeder account" to 0.9% from 0.1% so I guess that will go up again Will be interesting to see what the regular savings will be as this years was decent at the time ( November ) at just over 1% Use the Account to Feed a regular savings and also to put any cheques in I get as it is a walk from the house rather than a 25 mile round trip to nearest branch of my bank My money is on that. Mind you its bloody warm at the moment and no end in sight....
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agent69
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Post by agent69 on Aug 5, 2022 14:51:14 GMT
So we're heading for negative growth and high interest rates. What are you planning to do to protect your hard-earned savings?Spend them before they can depreciate in value?
But on a related note, I don't understand why financial strains caused by predicted increased energy prices gets so much publicity compared to increased mortgage payments. There must be loads of people out there who took out maximum home loans when interest rates were rock bottom, and are now an accident waiting to happen. Now interest rates are headed up I would have thought that the increase in monthly repayments would dwarf the increase in fuel bills.
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agent69
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Post by agent69 on Aug 5, 2022 14:55:32 GMT
I never pick individual stocks, only invest in index tracker funds. I've had a Vanguard account, and been feeding money into it over the last 18 month.
- Best performer is FTSE Global All Cap Index Fund Accumulation
- Worst is FTSE Developed Europe ex-U.K. Equity Index Fund - Accumulation
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keitha
Member of DD Central
2024, hopefully the year I get out of P2P
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Post by keitha on Aug 5, 2022 15:58:59 GMT
Markets are essentially just public/collective opinion when the participants actually have money at stake. Hence, the participants are incentivized to look at the issue rationally and dispassionately rather than virtue signalling. Having money at stake is a great way of separating reality from bullsh!t My BlackRock Sustainable Energy Fund isn't doing too badly if I look at the 3/5 year returns. I think part of the problem is the time frame. You can't build and deploy a new wind turbine project in just a few months, but you can buy more fossil fuels from Saudi Arabia to replace those from Russia. Yeah there's one of those big white fans on the hillside near me you'd think they'd turn it on in this hot weather
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mrk
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Post by mrk on Aug 5, 2022 16:47:22 GMT
I've had a Vanguard account, and been feeding money into it over the last 18 month. - Best performer is FTSE Global All Cap Index Fund Accumulation
- Worst is FTSE Developed Europe ex-U.K. Equity Index Fund - Accumulation
actually did slightly better than FTSE Global over most periods. (Also added Sustainable Energy to illustrate my other point.)
| 5 years | 3 years | 1 year | 6 months | 3 months | 1 month | | Vanguard FTSE Developed World ex-U.K. Equity Index Fund GBP Acc | +10.82% | +10.61% | +2.98% | +2.19% | +1.70% | +6.71% | | Vanguard FTSE Global All Cap Index Fund GBP Acc | +9.26% | +9.00% | +1.49% | +1.35% | +0.85% | +5.83%
| | BlackRock Global Funds - Sustainable Energy Fund D4 GBP | +13.37% | +18.72% | -0.42% | +15.25% | +11.94% | +9.44%
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ozboy
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Mine's a Large One! (Snigger, snigger .......)
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Post by ozboy on Aug 5, 2022 18:54:44 GMT
"............ only invest in property-backed loans with low LTV."Which means Jack Schitt if the Valuation was done by a "Professional RICS Valuer" .......... 
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Post by bernythedolt on Aug 6, 2022 0:38:58 GMT
I've had a Vanguard account, and been feeding money into it over the last 18 month. - Best performer is FTSE Global All Cap Index Fund Accumulation
- Worst is FTSE Developed Europe ex-U.K. Equity Index Fund - Accumulation
actually did slightly better than FTSE Global over most periods. (Also added Sustainable Energy to illustrate my other point.)
| 5 years | 3 years | 1 year | 6 months | 3 months | 1 month | | Vanguard FTSE Developed World ex-U.K. Equity Index Fund GBP Acc | +10.82% | +10.61% | +2.98% | +2.19% | +1.70% | +6.71% | | Vanguard FTSE Global All Cap Index Fund GBP Acc | +9.26% | +9.00% | +1.49% | +1.35% | +0.85% | +5.83%
| | BlackRock Global Funds - Sustainable Energy Fund D4 GBP | +13.37% | +18.72% | -0.42% | +15.25% | +11.94% | +9.44%
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Just to note, you've compared Developed World ex-UK there, while agent69 's fund is Developed Europe ex-UK. The two Vanguard funds in your table have different geographies, but also different weightings within their geographies, making comparison tricky. As an aside, we can compare Europe-whole vs. Europe-ex-UK directly though, since Vanguard offer both as ETFs. Vanguard's figures:- (Note these are absolute return figures, as distinct from the FT's trailing return figures above). | | 1 month | 3 month | YTD | 1 year | 3 year | 5 year | | FTSE Developed Europe UCITS ETF (VEUR) | 7.64% | -1.59% | -7.68% | -1.83% | 21.92% | 32.49% | | FTSE Developed Europe ex UK UCITS ETF (VERX) | 8.00% | -1.95% | -10.88% | -5.71% | 23.18% | 33.57% |
They're broadly similar, but the inclusion of UK stocks has steadied the ship during more turbulent times, like the year-to-date. To complete the picture, here's the Vanguard portion of your table with agent69 's fund added in row 2...
| 5 years | 3 years | 1 year | 6 months | 3 months | 1 month | | Vanguard FTSE Developed World ex-U.K. Equity Index Fund GBP Acc | +10.82% | +10.61% | +2.98% | +2.19% | +1.70% | +6.71% | Vanguard FTSE Developed Europe ex-U.K. Equity Index Fund GBP Acc
| +4.30% | +4.93% | -7.63% | -4.79% | +0.42% | +5.73%
| | Vanguard FTSE Global All Cap Index Fund GBP Acc | +9.26% | +9.00% | +1.49% | +1.35% | +0.85% | +5.83%
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The Developed Europe fund hasn't fared nearly so well as the two global funds, as agent69 says. No surprises there, given the runaway US performance in recent times.
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Post by overthehill on Aug 6, 2022 10:24:52 GMT
I've had a Vanguard account, and been feeding money into it over the last 18 month. - Best performer is FTSE Global All Cap Index Fund Accumulation
- Worst is FTSE Developed Europe ex-U.K. Equity Index Fund - Accumulation
actually did slightly better than FTSE Global over most periods. (Also added Sustainable Energy to illustrate my other point.)
| 5 years | 3 years | 1 year | 6 months | 3 months | 1 month | | Vanguard FTSE Developed World ex-U.K. Equity Index Fund GBP Acc | +10.82% | +10.61% | +2.98% | +2.19% | +1.70% | +6.71% | | Vanguard FTSE Global All Cap Index Fund GBP Acc | +9.26% | +9.00% | +1.49% | +1.35% | +0.85% | +5.83%
| | BlackRock Global Funds - Sustainable Energy Fund D4 GBP | +13.37% | +18.72% | -0.42% | +15.25% | +11.94% | +9.44%
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I'm not following this thread but where are you getting your figures from, the blackrock fund figures are way off, I only noticed because I'm in it. Maybe they have been paying me too much!
Investment 3 months 6 months 1 year 3 years 5 years
BGF Sustainable Energy D4 GBP 4.96% 8.2% -1.04% 72.75% 88.95%
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mrk
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Post by mrk on Aug 6, 2022 10:30:47 GMT
Just to note, you've compared Developed World ex-UK there, while agent69 's fund is Developed Europe ex-UK. Yes, sorry I wasn't clear about that. My theory is that World ex-UK is better than World. I wouldn't invest in Europe alone, with or without UK.
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