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Post by brokenbiscuits on Sept 25, 2016 8:25:39 GMT
When working out networth I add everything. House, pension, investments and cash. I don't go as far as working out what my cutlery and DVD collection etc may be worth.
My logic behind this is I could sell the house etc move to another country/travel and so it would be relevant how much equity I have.
When working out allocation Im looking purely at my early retirement/financial independence money. The stuff that isn't in my principal home or a pension. The stuff that may allow me to stop working years before my colleagues. If I lose it I'll be upset but I will not be destitute. Pension contributions have always been 10-12% since 18 years old.
I've allowed myself a maximum 20% in p2p of my out of pension and home fund.
Never got to 20% until this payday but am currently there now.
I'm due a proper assessment of my money so may shuffle things around and pull back a little from p2p, particularly from my saving stream money which is now at its highest investment amount for me since joining. Top heavy in the ltgvd of 5%, which feels pretty safe but probably still needs to be scaled back a bit to fit with my investment model.
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gibmike
Member of DD Central
What is a cynic? A man who knows the price of everything and the value of nothing.
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Post by gibmike on Oct 5, 2016 20:50:33 GMT
Interesting to see such a wide and varied range of portfolio compositions, being new to the forum I wasn't sure how people had played it.
Since posting I have reduced P2P to 24.5% (from 26%) and, as the markets/currencies have changed it has shifted my concerns to now limiting any drops on stocks etc.
Having said that, I have reduced some of my P2P and moved it into 12 month fixed bonds which are secured and insured which over time may make up 10% of my portfolio as I feel the risk balances out with P2P somewhat.
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Post by marc77 on Oct 6, 2016 0:58:27 GMT
5-10% P2P. I feel more is too risky at this stage, the asset class has not gone through a full cycle.
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Post by carol167 on Oct 13, 2016 16:21:19 GMT
Cash = 25.63% (includes cash savings, cash ISAs and Premium Bonds)
P-T-P = 22.5% (across 9 platforms)
Shares = 4.28% (mostly passive indexing)
House = 47.51% (just inside the M25)
FS Pension not included.
If you exclude the house then it's :-
Cash = 48.83%
P-T-P = 43.01%
Shares = 8.16%
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Investboy
Member of DD Central
Trying to recover from P2P revolution
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Post by Investboy on Oct 19, 2016 9:34:12 GMT
Mine is a bit boring and simplistic:
0% - House (I don't have a mortgage, just renting)
25% - Shares ISA
25% - Cash (GBP, EUR, USD, other)
25% - P2P (SS, MT, ABL, FC, FS, COL, RS) invested via LTD
25% - Precious metals (gold, silver bullion)
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stevio
Member of DD Central
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Post by stevio on Oct 30, 2016 14:39:20 GMT
Excluding house: P2P 80% (70% in SIPP, 10% outside - getting about 12% p.a.) VCTs 5% (old - I wouldn't touch them now) FTSE100 15% CASH 0% I've had most money in P2P for three years now, they've always been liquid so far... Why wouldn't you touch VCT's now?
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tonyr
Member of DD Central
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Post by tonyr on Oct 30, 2016 15:43:39 GMT
Excluding house: P2P 80% (70% in SIPP, 10% outside - getting about 12% p.a.) VCTs 5% (old - I wouldn't touch them now) FTSE100 15% CASH 0% I've had most money in P2P for three years now, they've always been liquid so far... Why wouldn't you touch VCT's now? P2P is a much better bet that VCTs. With VCTs you've got no control over your investment, it's pretty much random whether you get a 2x return or nothing much, if it wasn't for the tax breaks they wouldn't exist, selling is expensive and difficult so you end up holding on and in blind hope. I have a huge speadsheet of my VCT investments since 2004, about 12 investments, my guess is that they gave 7-8% return so not bad (as no tax to pay), but the variance is huge and I invested when it was a 40% tax break not the current 30%. I'm just waiting for them to fade away now.
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Post by wickedxuk on Mar 29, 2017 22:16:02 GMT
Just for fun I calculated my portfolio again:
P2P 15.96%
BTL 65.30%
Cash 6.54%
S&S 11.13%
I'm going to reduce cash balance even further in all likelihood and increase both P2P and S&S.
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IFISAcava
Member of DD Central
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Post by IFISAcava on Apr 20, 2017 10:53:29 GMT
Excluding House and (DB) Pension
P2P - 21.2%
Property Funds/Crowd - 2.7%
S&S - 16.5%
Alternative commodity investments - 20.0%
Cash - 39.6% (a lot still in ISA wrapping)
It's too much in cash but I am wary of S&S values, and I reckon 25% is the upper limit for P2P.
Where to put the cash? Property seems the obvious light element.
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elliotn
Member of DD Central
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Post by elliotn on Apr 20, 2017 11:31:21 GMT
75% cap  |
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ozboy
Member of DD Central
Mine's a Large One! (Snigger, snigger .......)
Posts: 3,168
Likes: 4,859
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Post by ozboy on Apr 20, 2017 11:36:25 GMT
75% cap Balls in elliottm!
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stevio
Member of DD Central
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Post by stevio on Apr 20, 2017 18:44:23 GMT
75% cap You? Or are you quoting someone else?
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fp
Posts: 1,008
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Post by fp on Apr 20, 2017 21:43:18 GMT
I daren't go back here, its probably 10 times what it was the last time I replied |
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pikestaff
Member of DD Central
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Post by pikestaff on Apr 20, 2017 22:32:35 GMT
Excluding house and pensions, our household investments are currently:
cash 6%
term deposits 10% (maturing soon)
p2p 39% (comprising TC 21%, AC 8%, RS 10%)
Downing crowdfunding 4%
stocks & shares ISAs 30%
VCTs 6%
other 5%
which is a slightly odd mix but I'm not too comfortable with equities at current prices. Maturing deposits are likely to be spread around other classes.
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moogman
Member of DD Central
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Post by moogman on May 28, 2017 20:00:55 GMT
Interesting to see others' asset allocation distribution! Me:
| Now | Target | | Cash/Prem. Bonds | 8% | 5% | | S&S | 29% | 50% | | P2P | 15% | 20% | | Direct Property | 48% | 25% |
I initially planned for 5-10% VCT investment, however looking at the variable performance and high fees, I've opted against it. |
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