mrk
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Post by mrk on Aug 6, 2022 10:44:28 GMT
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% Got them from the FT as per link. Looks like I copied the wrong line ( Sector Equity Alternative Energy, the benchmark, instead of the fund itself) for 1 year and shorter, but 3 and 5 years were correct. Let me try again, and I'll add the popular INRG ETF as well.
| 5 years | 3 years | 1 year | 6 months | 3 months | 1 month | | BlackRock Global Funds - Sustainable Energy Fund D4 GBP | +13.57% | +19.99% | -1.04% | +8.20% | +4.96% | +16.01% | | iShares Global Clean Energy UCITS ETF USD (Dist) | +22.79% | +28.29% | +11.08% | +36.18% | +16.32% | +15.43% |
Note that 3 and 5 years are annualized rates. Perhaps yours are total?
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Post by bernythedolt on Aug 6, 2022 10:47:05 GMT
Ex-U.K. 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%
The first table is the trailing annual return, while yours is the absolute return. If you take the 5yr figure, the fund has gone up 13.37% each year on average. This leads to an absolute return of 1.1337 raised to the power of 5, which is 1.87... an 87% absolute return over that period. The quoted figure of 88.95% is probably due to a slight difference in the start/end dates of the period under measurement, I would think. EDIT: using mrk's revised figure of 13.57% leads exactly to the 88.95% in your table... 1.1357^5 = 1.8893
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registerme
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Post by registerme on Aug 6, 2022 10:54:52 GMT
One swallow doesn't make a summer etc, but I bought the Xtrackers Nikkei 225 etf (XDJP) back in June and it's already returned 8%.
I bought it because I wanted exposure to Japan, but also because the Yen is at something like a 30 year low to USD (and by proxy GBP). I can't see the Yen going lower (and it might well go higher), but I can see GBP going down...
Everything else in my portfolio is in the red this year though :/.
EDIT: I should add that the intent is for this to be a twenty year buy and hold.
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keitha
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Post by keitha on Aug 6, 2022 11:04:14 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.
Average UK mortgage is around £150,000 add 1% in interest that's £1,500 a year or £125 a month, Gas and Electricity up by more than £2,000 Of course a £750,000 mortgage ( and I know people around this figure ) 1% adds £825 a Month, add in the gas and electricity then you are well over £1,000 a month extra. One Couple I know have said if the mortgage rate hits 5.5% they will lose the house,
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agent69
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Post by agent69 on Aug 6, 2022 11:30:27 GMT
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.
Average UK mortgage is around £150,000 add 1% in interest that's £1,500 a year or £125 a month, Gas and Electricity up by more than £2,000 Of course a £750,000 mortgage ( and I know people around this figure ) 1% adds £825 a Month, add in the gas and electricity then you are well over £1,000 a month extra. One Couple I know have said if the mortgage rate hits 5.5% they will lose the house, The problem is interest rates are going to increase by a lot more than 1%
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Post by bernythedolt on Aug 6, 2022 11:31:49 GMT
5.5%  I became concerned in the late seventies/early eighties when my mortgage interest went over 16%.  |
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aju
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Post by aju on Aug 6, 2022 11:57:59 GMT
5.5% I became concerned in the late seventies/early eighties when my mortgage interest went over 16%. We had a similar problem myself having been promoted from a job where overtime was in abundance to a job where salary was fixed and the only option for overtime was a term interestingly called TOIL (Time Off In Lieu) but sadly one never had slack enough to take accrued TOIL. We had to take in a lodger (Foreign Students were in abundance in Cambridge at the time fortunately) and also Mrs Aju got a part time job too. We managed in the end but it was an interesting time to put it mildly. We were the lucky ones to be fair many of our peers did not survive and lost their houses!.
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aju
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Post by aju on Aug 6, 2022 13:01:15 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'm probably going to look stupid but what might HAT be ?
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Post by Ace on Aug 6, 2022 13:17:08 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'm probably going to look stupid but what might HAT be ? H&T Group Plc?
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aju
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Post by aju on Aug 6, 2022 13:50:21 GMT
I'm probably going to look stupid but what might HAT be ? H&T Group Plc? Thanks Ace not sure i would have got that but i did try and find it and didn't think it was anything to do with the links I got offered by Google!. Mind you seeing NS&I often enough translated in nsandi i should have thought of handt perhaps. I assume that travolta pawnbrokers comment was a joke now i know what it is. 
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michaelc
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Post by michaelc on Aug 6, 2022 13:59:16 GMT
Thanks Ace not sure i would have got that but i did try and find it and didn't think it was anything to do with the links I got offered by Google!. Mind you seeing NS&I often enough translated in nsandi i should have thought of handt perhaps. I assume that travolta pawnbrokers comment was a joke now i know what it is. I put in "ticker HAT" and it came up. Still don't know if that was what was meant though....
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Post by mostlywrong on Aug 6, 2022 14:00:28 GMT
One swallow doesn't make a summer etc, but I bought the Xtrackers Nikkei 225 etf (XDJP) back in June and it's already returned 8%. I bought it because I wanted exposure to Japan, but also because the Yen is at something like a 30 year low to USD (and by proxy GBP). I can't see the Yen going lower (and it might well go higher), but I can see GBP going down... Everything else in my portfolio is in the red this year though :/. EDIT: I should add that the intent is for this to be a twenty year buy and hold. Thank you for that suggestion. I noticed that the Yen had dropped sharply and was researching some Japan funds and that ETF will do nicely!
MW
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aju
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Post by aju on Aug 6, 2022 14:10:52 GMT
Just looking at some of the posts in this thread I recently came across an article in the NewZealand Listener by a guy called Sam Stubbs (no i'd never heard of him as not my area but he is apparently quite well known across the world. As a result of reading about him and the fact he runs a fund in Newzealand that looked interesting as reault there was quite and interesting webinar that gave some interesting eye openers i could have used when i was a lot younger. I'm guessing most people quoting stats above will already know a lot of it but i found it was an interesting intro into that world. Some may be interested so here's a link to the presentation. www.facebook.com/simplicitykiwi/videos/369285734868258This guy worked in London for goldman sachs at one point. Anyway some people may find its a good read and his style is very engaging. Sadly I'm not sure that I and Mrs aju are too old to start ploughing funds into long term gains vehicles. |
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aju
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Post by aju on Aug 6, 2022 14:12:03 GMT
Thanks Ace not sure i would have got that but i did try and find it and didn't think it was anything to do with the links I got offered by Google!. Mind you seeing NS&I often enough translated in nsandi i should have thought of handt perhaps. I assume that travolta pawnbrokers comment was a joke now i know what it is. I put in "ticker HAT" and it came up. Still don't know if that was what was meant though.... Not sure I thought of ticker myself but then I'm not sure this is an area I would expect to understand too much. I just worked with HAT and that it might be an abbreviation or something. 
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Post by mostlywrong on Aug 6, 2022 14:19:22 GMT
Rocketing inflation changes so many things and a lot of those changes will hurt.
However, any company or person with a large debt and a fixed interest rate is now in a good position, assuming that they can service the interest payments.
Of course, the risk is that your fixed rate mortgage expires before interest rates fall back AND you have not saved enough to cover the future increase in interest payments.
Yesterday, I noticed that LLOY is trying to pay off a 7.5% pa corporate loan due in 2025.
In my world, I would have kept that loan running until the due date but, presumably, LLOY is able to borrow the cash to pay off the corporate debt at a much cheaper rate than 7.5% pa.
I am going to keep my head down and dream of 7.5% pa...
MW
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