macq
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Post by macq on Nov 14, 2017 14:38:52 GMT
i have Blackrock & L & G trackers in my pension.But as an alternative & if you possibly don't want to shoot the lights out for growth (but over the long term they have done pretty well before) there are always IT's paying dividends to consider.Its not hard to find lists online that track trusts that have raised there div's every year starting at 50 years plus for City of London back to trusts paying out more for up to 20 years. Could you give some examples please?  City of London,Bankers,F & C & JPMorgan Claverhouse,Temple Bar.There are also good property trusts for yield such as F & C or Picton but there are many more.Also more risky as they sell short but have had a good couple of years and paying 7% is Schroder income maxamiser but hopefully others could name more. Also let me be the first to say well done on your reaching 50 posts 
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tomp
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Post by tomp on Nov 14, 2017 14:48:00 GMT
Could you give some examples please? City of London,Bankers,F & C & JPMorgan Claverhouse,Temple Bar.There are also good property trusts for yield such as F & C or Picton but there are many more.Also more risky as they sell short but have had a good couple of years and paying 7% is Schroder income maxamiser but hopefully others could name more. Also let me be the first to say well done on your reaching 50 posts Thank you, that is very useful . Will have to do more research And thx  I am really glad that 50 post limit was introduced as that is how I came across this discussion
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macq
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Post by macq on Nov 14, 2017 15:06:23 GMT
Google trusts/shares paying rising dividends plenty of lists or look for ones paying 4%+
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jonah
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Post by jonah on Nov 14, 2017 20:44:21 GMT
City of London,Bankers,F & C & JPMorgan Claverhouse,Temple Bar.There are also good property trusts for yield such as F & C or Picton but there are many more.Also more risky as they sell short but have had a good couple of years and paying 7% is Schroder income maxamiser but hopefully others could name more. Also let me be the first to say well done on your reaching 50 posts Thank you, that is very useful . Will have to do more research And thx I am really glad that 50 post limit was introduced as that is how I came across this discussion I have shares in three of those listed. One other is on my future list. For more IT info.... www.theaic.co.ukOr there are some good discussions on lemonfool forum. Or as OpEd posts on monevator. Personally, my IT funds (with divi reinvested) have had more capital growth than my “growth” funds. I use both actives and passive funds. The passive are cheap which is nice. However a little to much emphasis on the US for my current thinking, but thinking isn’t really what passive encourages! But what do I know? As for FIRE there are a lot of blogs out there. I have read some of Mr Money Moustache and there are at least another couple of fans of his around here.
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msenanna
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Post by msenanna on Nov 14, 2017 21:53:20 GMT
Ahhh... but he's not retired yet He has reached and exceeded his FIRE target but is now working through the OMY syndrome so many people fall into, albeit as he intends to retire abroad and the exchange rate is pants for £:Euro I understand why he would. Other UK FIRE blogs: theescapeartist.me/simple-living-in-suffolk.co.uk/financiallyfreeby40.com/Ooops my links aren't linking - apologies (oh yes they are!)
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msenanna
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Post by msenanna on Nov 14, 2017 21:55:48 GMT
Yep, that would be me! Vanguard all the way, with a little bit of Blackrock thrown in. I don't have the brain space or ability to pick individual shares, read (and understand!) company reports etc no matter how hard I try. After 5 years of analysis paralysis I bit the bullet and went the index tracker route. Maybe I could get a better return on the stock market but this is good enough for me. i have Blackrock & L & G trackers in my pension.But as an alternative & if you possibly don't want to shoot the lights out for growth (but over the long term they have done pretty well before) there are always IT's paying dividends to consider.Its not hard to find lists online that track trusts that have raised there div's every year starting at 50 years plus for City of London back to trusts paying out more for up to 20 years. Thank you for that suggestion, I shall do some investigating and promise not to take 5 years to make a decision!
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macq
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Post by macq on Nov 14, 2017 22:32:56 GMT
i have Blackrock & L & G trackers in my pension.But as an alternative & if you possibly don't want to shoot the lights out for growth (but over the long term they have done pretty well before) there are always IT's paying dividends to consider.Its not hard to find lists online that track trusts that have raised there div's every year starting at 50 years plus for City of London back to trusts paying out more for up to 20 years. Thank you for that suggestion, I shall do some investigating and promise not to take 5 years to make a decision! Don't come looking for me in 5 years if its not worked only suggestions not advice from someone who's no expert but has muddled through for 30 odd years(and i do mean muddled).The This is money site dividend heroes list has some better ideas & Moneyweek had a good feature back in the summer which should be online.Also a piece today on Trustnet about income investing and not chasing the highest yield but to look for growing dividends from your investment
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tomp
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Post by tomp on Nov 15, 2017 8:20:53 GMT
Thank you for that suggestion, I shall do some investigating and promise not to take 5 years to make a decision! Don't come looking for me in 5 years if its not worked only suggestions not advice from someone who's no expert but has muddled through for 30 odd years(and i do mean muddled).The This is money site dividend heroes list has some better ideas & Moneyweek had a good feature back in the summer which should be online.Also a piece today on Trustnet about income investing and not chasing the highest yield but to look for growing dividends from your investment I wish I have seen your message last night. Sorry too late now. My financial future is all in your hands now no pressure
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Post by Deleted on Nov 15, 2017 8:33:02 GMT
If you google for 'FIRE' (financial independence, retire early) you can find lots of motivating blogs in a similar vein to this one. Indeed, 44 is about average performance under FIRE. I've aimed at FIRE for the last couple of years, will be able to "hit the trigger" in FIRE speak (quit the job) in early 2018... Much of the thinking is minimalism: Get shot of much of those things you don't really need: The fancy car (get a bike), the surplus rooms in your house (downsize and pay off the mortgage), the fancy food (eat beans, legumes and other cheap staples), buy quality flexible equipment to last instead of crappy one-use utensils, don't bother with wasteful holidays, TV subscriptions and other such superfluory. Whether you choose to is an entirely different matter :-). Whether you change your mind at FIRE time is another matter. Personally, I love the freedom it (almost) gives me - People call it F.U. Money :-) I did this at 50, I was enjoying myself too much to go any earlier, it is a difficult mental step to take a good CV and tear it up, but I did it and I've never looked back. The FU moment happened with some nice people who were surprised but very professional, and I got them to give me extra money to go on my way. :-)
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SteveT
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Post by SteveT on Nov 15, 2017 8:56:18 GMT
I did this at 50, I was enjoying myself too much to go any earlier, it is a difficult mental step to take a good CV and tear it up, but I did it and I've never looked back. The FU moment happened with some nice people who were surprised but very professional, and I got them to give me extra money to go on my way. :-) Indeed, the opportunity for a handsome pay-off should always be sought / engineered! In my case, I was tasked (whilst UK Marketing Director for a famous global brand facing tough times) to design a new "streamlined" pan-European marketing organisation, with all the senior positions moved to Geneva for tax purposes. After doing so, eliminating 12 "country Marketing Directors" in the process, the US bosses were taken aback when I declined any of the new senior roles in Switzerland. They were even more disappointed to learn from UK HR about the size of the redundancy pay-off I was due under my local contract of employment
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dermot
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Post by dermot on Nov 15, 2017 15:42:22 GMT
Zero investment and earning just under £200 per month gross with very low risk?
I rent out a couple of parking spaces at home via JustPark. Nett of fees, that's the income I could expect from £15K in a risky 12% P2P platform.
If only my spousal unit would agree, we could double or triple that by digging up the shrubberies and flower beds, but it is not to be...
It helps, of course, to live near a major hospital, college, rail station or city centre.
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macq
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Post by macq on Nov 15, 2017 17:28:33 GMT
Zero investment and earning just under £200 per month gross with very low risk? I rent out a couple of parking spaces at home via JustPark. Nett of fees, that's the income I could expect from £15K in a risky 12% P2P platform. If only my spousal unit would agree, we could double or triple that by digging up the shrubberies and flower beds, but it is not to be... It helps, of course, to live near a major hospital, college, rail station or city centre. that's one neat idea but think you should lose the plants and get your spousal unit an allotment.
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macro
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Post by macro on Nov 15, 2017 20:58:33 GMT
Zero investment and earning just under £200 per month gross with very low risk? I rent out a couple of parking spaces at home via JustPark. Nett of fees, that's the income I could expect from £15K in a risky 12% P2P platform. If only my spousal unit would agree, we could double or triple that by digging up the shrubberies and flower beds, but it is not to be... It helps, of course, to live near a major hospital, college, rail station or city centre. that's one neat idea but think you should lose the plants and get your spousal unit an allotment. Excuse me, but please could someone explain what a spousal unit is.. is it something which you rent out?
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macq
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Post by macq on Nov 15, 2017 21:24:52 GMT
that's one neat idea but think you should lose the plants and get your spousal unit an allotment. Excuse me, but please could someone explain what a spousal unit is.. is it something which you rent out? think that is a different type of relationship
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jonah
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Post by jonah on Nov 15, 2017 21:29:25 GMT
that's one neat idea but think you should lose the plants and get your spousal unit an allotment. Excuse me, but please could someone explain what a spousal unit is.. is it something which you rent out? Not traditionally an option, but could be a very different asset class I guess. I wonder what sort of XIRR they could get. I know that there is a* tradition about one month salary for one particular upgrade, which puts a mutual first ‘charge’ in place, with an option for a cross collateral PG in the future. * the one month for an engagement ring was totally made up by a particular diamond sellers advertising campaign. Probably one of the most long term successful campaigns ever.
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I am really glad that 50 post limit was introduced as that is how I came across this discussion 
