Search found 57 matches

by SmilerUK
Tue Oct 30, 2018 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Spreading the Risk - World Stock versus S&P 500?
Replies: 11
Views: 1585

Re: Spreading the Risk - World Stock versus S&P 500?

You asked what's the logic? My logic is that the US has always been the stronger and more stable market. Certainly more than the UK or even global markets. So I'm trying to spread the risk. Good thinking! That may be my first Boglehead compliment! :-D I feel I've accomplished something! Thank you! ...
by SmilerUK
Tue Oct 30, 2018 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Spreading the Risk - World Stock versus S&P 500?
Replies: 11
Views: 1585

Re: Spreading the Risk - World Stock versus S&P 500?

I love this forum. Thank you for your insights. To answer several people who stated that I'm overweighted. Yes, I'm aware of this. I have 30% in S&P 500 and 70% MCSI World Shares. So, as @Valuethinker states, that *really* equates to around 70% US and 30% world. You asked what's the logic? My logic ...
by SmilerUK
Mon Oct 29, 2018 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Spreading the Risk - World Stock versus S&P 500?
Replies: 11
Views: 1585

Re: Spreading the Risk - World Stock versus S&P 500?

Thank you, @vineviz. Incidentally, where are you getting those summary stats? And, in a related newbie question, why would anyone invest in an index such as the Dow Jones? I know it's a dumb question, so please don't bash me too much. Unlike other market indices, it took 15 years to recover to base ...
by SmilerUK
Mon Oct 29, 2018 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Spreading the Risk - World Stock versus S&P 500?
Replies: 11
Views: 1585

Spreading the Risk - World Stock versus S&P 500?

Hello Glorious Bogleheads! :-) Always love everything I've gained from this forum. The knowledge is intense! Thank you! I have a question... I've put around 30% of my equities into the S&P 500, and 70% into MCSI World Shares. So, 30% exposure to US stocks, and 70% to global stocks (which obviously a...
by SmilerUK
Thu May 17, 2018 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 9693

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

randomizer wrote:
Thu May 17, 2018 9:55 am
OP: does your friend know more than Warren Buffett?
NO. Nuff said!
by SmilerUK
Thu May 17, 2018 2:07 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 9693

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

LadyGeek wrote:
Wed May 16, 2018 9:14 pm
SmilerUK - Did we answer your question?

To our experienced members, please state your concerns in a civil, factual manner.
Yes -- very clearly. I love it. :moneybag
by SmilerUK
Thu May 17, 2018 2:05 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 9693

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Frank Grimes wrote:
Wed May 16, 2018 11:23 am
Reminds me of a bit from Family Guy, "According to my uncle, who's a real whiz with volcanoes, A VOLCANO IS HEADED THIS WAY!" which was used by a huckster to sell worthless volcano insurance.
I LOVE IT!
by SmilerUK
Thu May 17, 2018 2:02 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 9693

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

greg24 wrote:
Wed May 16, 2018 10:15 am
Any respected macroeconomic expert should be advising you to put your life savings into bitcoin, not silver.
That was the second part of the conversation.
by SmilerUK
Thu May 17, 2018 2:00 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 9693

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

FoolMeOnce wrote:
Wed May 16, 2018 9:04 am
SmilerUK wrote:
Wed May 16, 2018 3:57 am
Noob question :-)

He said that come October or March next year, there are likely to be big crashes.
What about November through February? We'll be ok then?
That period is predicted to be fine :oops: :mrgreen: LOL LOL
by SmilerUK
Thu May 17, 2018 1:59 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 9693

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Gold is better than silver. Gold has zero to negative correlation with stocks. Just curious, how is gold that different from silver? They're both precious metals, neither produces any real return. Why is gold so much "better" than silver? Gold is a much scarcer metal than silver and thus has much l...
by SmilerUK
Thu May 17, 2018 1:58 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 9693

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Marmot wrote:
Wed May 16, 2018 8:15 am
Your friend is probably right about companies being leveraged. What is hard to predict is when and what is the tipping point.
So they are likely to collapse at some point? Or just dip?
by SmilerUK
Thu May 17, 2018 1:57 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 9693

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

guyesmith wrote:
Wed May 16, 2018 7:31 am
The only person who gets hurt on a roller coaster is the one who jumps off.
That is a GENIUS quote!
by SmilerUK
Thu May 17, 2018 1:56 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 9693

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Everyone who accurately predicted the last stock market crash and were able to properly execute trades to take advantage of it became multimillionaires. If your friend is not already fabulously wealthy, he is about to become so. I recommend you become closer to him. The one who accurately predicted...
by SmilerUK
Thu May 17, 2018 1:53 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 9693

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

A highly respected friend of mine is an expert in macroeconomics, and warned me to stay away from stocks. He said that come October or March next year, there are likely to be big crashes. He said companies were artificially inflating their stocks. (I don't understand the detail!) He advised shiftin...
by SmilerUK
Thu May 17, 2018 1:52 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 9693

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

B. Wellington wrote:
Wed May 16, 2018 6:23 am
OP, serious question...Why does your friend suggest silver?

Why not Real Estate? Gold? Treasuries? Money Market? What does he see that we do not?
He talked about its usefulness and demand for it, versus the lesser demand for gold in practical terms.
by SmilerUK
Wed May 16, 2018 3:57 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 9693

Friend says "Stock market will crash, invest in silver" - thoughts?

Noob question :-) A highly respected friend of mine is an expert in macroeconomics, and warned me to stay away from stocks. He said that come October or March next year, there are likely to be big crashes. He said companies were artificially inflating their stocks. (I don't understand the detail!) H...
by SmilerUK
Fri Feb 09, 2018 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Genius Needed -- Thoughts on My Asset Allocation? [UK]
Replies: 26
Views: 2117

Re: Genius Needed -- Thoughts on My Asset Allocation? [UK]

That's feel like possibility the biggest pat on the back since I'v gotten here. Thank you :) I know it only tracks large and mid cap countries, but that might enough. It's also an ETF so I an trade for a guaranteed price if required . The 0.55% OGC is a kicker but I that's the price of insurance one...
by SmilerUK
Fri Feb 09, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Genius Needed -- Thoughts on My Asset Allocation? [UK]
Replies: 26
Views: 2117

Re: Genius Needed -- Thoughts on My Asset Allocation? [UK]

Hello my Boglehead Gang :-) Well, after much thinking, I made a decision. I thought I'd share it with you. I welcome your thoughts too! For my equity, I thought I'd invest pretty much: * 100% in IGWD -- that's the iShares MSCI World GBP Hedged That should contain all the diversification I need (all ...
by SmilerUK
Thu Feb 08, 2018 6:32 am
Forum: Investing - Help with Personal Investments
Topic: UK-US 15% Tax Witholding - Where to find documentation?
Replies: 1
Views: 207

UK-US 15% Tax Witholding - Where to find documentation?

@TedSwippet made a great post here: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=240810#p3769369 He said that US equities withold 15% on dividend payments to UK clients that fill out a W8-BENE. You can offset that against your own taxation in the UK. Question: How do you obtain this informat...
by SmilerUK
Wed Feb 07, 2018 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Genius Needed -- Thoughts on My Asset Allocation? [UK]
Replies: 26
Views: 2117

Re: Genius Needed -- Thoughts on My Asset Allocation? [UK]

TedSwippet wrote:
Wed Feb 07, 2018 5:28 pm
It works like this.
Brilliant insight. I had no idea about this. Thank you Ted.
by SmilerUK
Wed Feb 07, 2018 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Genius Needed -- Thoughts on My Asset Allocation? [UK]
Replies: 26
Views: 2117

Re: Genius Needed -- Thoughts on My Asset Allocation? [UK]

I think that you want confirmation of what you already think. I would not wish to stop you having your beliefs. Rather, I'm looking to understand why you believe my thinking is in error -- ie, you have said my bias for a non-home country is odd, but I don't understand why. I'm *super open* to being...
by SmilerUK
Wed Feb 07, 2018 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Genius Needed -- Thoughts on My Asset Allocation? [UK]
Replies: 26
Views: 2117

Re: Genius Needed -- Thoughts on My Asset Allocation? [UK]

Thank you. I am starting to realize that a lot of what I had considered to be very sensible decisions previously may not have been so. @Valuethinker: I agree, I have a home country bias for the wrong country :-) I work mainly with the US, so I likely have a greater affinity than most Brits! If it's ...
by SmilerUK
Wed Feb 07, 2018 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Genius Needed -- Thoughts on My Asset Allocation? [UK]
Replies: 26
Views: 2117

Re: Genius Needed -- Thoughts on My Asset Allocation? [UK]

Thank you for your incredible reply, @Valuethinker. Don't worry about the taxation and pension side of things. I've got all of that covered. The long story short of your (and @ChicagoBear's) post is... "Just own the world" :-) Now that's a proposition I can get behind, haha :D It sounds like you'd b...
by SmilerUK
Wed Feb 07, 2018 3:03 am
Forum: Investing - Help with Personal Investments
Topic: British Bogleheaders - S&P 500 vs FTSE All Share, etc?
Replies: 19
Views: 2274

Re: British Bogleheaders - S&P 500 vs FTSE All Share, etc?

Some incredible insights, which have helped me formulate a hopefully better plan. @David1082b -- These are great, but seem to suggest that if I invested in 2002 (say), I would be in a similar financial position six or seven years later, as this is the accumulation. You don't seem to get *quite* the ...
by SmilerUK
Wed Feb 07, 2018 3:03 am
Forum: Investing - Help with Personal Investments
Topic: Genius Needed -- Thoughts on My Asset Allocation? [UK]
Replies: 26
Views: 2117

Genius Needed -- Thoughts on My Asset Allocation? [UK]

My Dear Bogleheads -- An unsure Brit needs your genius advice! (Following up on a previous brilliant thread.) I'm finally liquidating on a business, and have around £4m to invest. I know -- a fortunate situation to be in. I'm fine to have this invested for the longer term of 10+ years. I'm based in ...
by SmilerUK
Tue Feb 06, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: The Perfect Equity for UK Folk
Replies: 1
Views: 250

The Perfect Equity for UK Folk

Hi Bogle-teers! I thought I'd branch this question out to a separate thread, as it may be relevant to more people :beer I'm following the Bogle principles. Bogle recommends the US total market index, and some global equities. I'm *very keen* on hedging GBP, because I'm unsure of the GBP-USD future r...
by SmilerUK
Tue Feb 06, 2018 10:25 am
Forum: Investing - Help with Personal Investments
Topic: British Bogleheaders - S&P 500 vs FTSE All Share, etc?
Replies: 19
Views: 2274

Re: British Bogleheaders - S&P 500 vs FTSE All Share, etc?

So... I guess the question is...

Is there one perfect (ha!) equity that combines ALL markets in the respective percentages, which adheres to Bogle principles (ie, weighted toward US), which is also GBP hedged?

Oh Holy Grail! Where art thou! :oops: 8-)
by SmilerUK
Tue Feb 06, 2018 10:24 am
Forum: Investing - Help with Personal Investments
Topic: British Bogleheaders - S&P 500 vs FTSE All Share, etc?
Replies: 19
Views: 2274

Re: British Bogleheaders - S&P 500 vs FTSE All Share, etc?

@Smith -- sorry, forgot to reply, yes, it's a lot! I'm doing a 60/40 split with equities/cash+bonds to ensure some safety!
by SmilerUK
Tue Feb 06, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: British Bogleheaders - S&P 500 vs FTSE All Share, etc?
Replies: 19
Views: 2274

Re: British Bogleheaders - S&P 500 vs FTSE All Share, etc?

Hi Bogle-eteers! Thanks for your brilliant replies :-) Something like the Vanguard FTSE Global All Cap Index Accumulation (GBP) sounds *brilliant*... But... It's not hedged, right? So with the dubious USD-GBP relationship, I think my concern is that dollar gains may be offset pound weakness. @minima...
by SmilerUK
Tue Feb 06, 2018 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Where do I get the Total Return Chart?
Replies: 4
Views: 532

Re: Where do I get the Total Return Chart?

I promise I'm not a lazy-ass, I just can't find these on the site.

Can anyone point me to the charts for those two?

Sorry x 10 for a simple question.
by SmilerUK
Tue Feb 06, 2018 7:16 am
Forum: Investing - Help with Personal Investments
Topic: Where do I get the Total Return Chart?
Replies: 4
Views: 532

Where do I get the Total Return Chart?

Dumb-dumb question here, but I can't seem to find a clear answer. I have funds with Vanguard in FTSE All Market Return Accumulation and FTSE Developed Word Ex-UK Accumulation. Vanguard only show limited charts for these, going to the past few years. Where can I find lifetime information? Every time ...
by SmilerUK
Tue Feb 06, 2018 7:14 am
Forum: Investing - Help with Personal Investments
Topic: British Bogleheaders - S&P 500 vs FTSE All Share, etc?
Replies: 19
Views: 2274

British Bogleheaders - S&P 500 vs FTSE All Share, etc?

Hello Bogleteers :-) I'm pouring my life savings into the stock market, as I liquidate two-dozen properties I own outright. I originally planned to spread my index money funds into: FTSE UK All Share Index FTSE Developed World ex-UK Index S&P 500 (Hedged) I'm a big Bogle fan and love his Little Book...
by SmilerUK
Tue Feb 06, 2018 6:54 am
Forum: Investing - Help with Personal Investments
Topic: Stay the course?
Replies: 65
Views: 8327

Re: Stay the course?

Would the same advice apply to a 10 year investment at the same rate? I'm similar but have a 10 year investing period. I agree, realizing that I'd suddenly lost £20k or so gave me a shock :-) But I know this is *exactly* what Bogle says to avoid... just concerned if it ever hit the 50% we saw back i...
by SmilerUK
Sat Jan 27, 2018 3:47 am
Forum: Investing - Help with Personal Investments
Topic: Is my money at risk?
Replies: 2
Views: 613

Re: Is my money at risk?

You're amazing ;-)
by SmilerUK
Fri Jan 26, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Is my money at risk?
Replies: 2
Views: 613

Is my money at risk?

Okay, crazy question to ask on here... please don't flame me :-) I'm invested in the S&P 500 through iShares: https://www.ishares.com/uk/individual/en/products/251904/ishares-sp-500-gbp-hedged-ucits-etf I bought these through Hargreaves Lansdown. I know that with Vanguard, I'm protected. I own the u...
by SmilerUK
Thu Dec 28, 2017 8:07 am
Forum: Investing - Help with Personal Investments
Topic: S&P 500 Accumulation - What about the big dips?
Replies: 24
Views: 3631

Re: S&P 500 Accumulation - What about the big dips?

Thank you. I slightly fear that I have opened an unintentional can of worms with this thread :-) Some suggestions here seem to baulk against the Bogle philosophy. Dollar Cost Averaging isn't something Bogle seems to recommend, from what I can tell, as you can't time the markets. I also think that th...
by SmilerUK
Sun Dec 24, 2017 7:57 am
Forum: Investing - Help with Personal Investments
Topic: S&P 500 Accumulation - What about the big dips?
Replies: 24
Views: 3631

Re: S&P 500 Accumulation - What about the big dips?

One minor extra point: I'm not sure it's fair to state you shouldn't invest what you can't risk going down to zero. The value of all the S&P 500 companies going to zero would indicate a much greater issue with the world, and likely isn't expected. I'm not going all doomsday here. Just a realistic me...
by SmilerUK
Sun Dec 24, 2017 7:52 am
Forum: Investing - Help with Personal Investments
Topic: S&P 500 Accumulation - What about the big dips?
Replies: 24
Views: 3631

Re: S&P 500 Accumulation - What about the big dips?

You gentlemen are clearly much smarter than me when it comes to these matters. And it may be that I'm just not asking the right question. However what you're saying doesn't seem to follow the general Bogle advice. He tends to argue that *not* investing is costlier than investing. And that historical...
by SmilerUK
Sat Dec 23, 2017 5:23 am
Forum: Investing - Help with Personal Investments
Topic: S&P 500 Accumulation - What about the big dips?
Replies: 24
Views: 3631

Re: S&P 500 Accumulation - What about the big dips?

Ahah! I'm clearly using the wrong terms. I guess I need the "composite real total price" then :-) Apologies for repeating the same question though, because I'm not sure if this graph really shows it. What's the *worst* it's done historically over 5 years, or even 10 years? My worry is getting in hea...
by SmilerUK
Sat Dec 23, 2017 1:49 am
Forum: Investing - Help with Personal Investments
Topic: S&P 500 Accumulation - What about the big dips?
Replies: 24
Views: 3631

S&P 500 Accumulation - What about the big dips?

Hi Bogleheads! I wonder if some wise sage could offer me a little insight? :-) I'm investing around £700k into the S&P 500. I've staggered it a little, but it's been going in over the past few months. Following Bogle wisdom, I'm not trying to time the markets, although it's tough when even Vanguard ...
by SmilerUK
Wed Nov 01, 2017 8:18 am
Forum: Investing - Help with Personal Investments
Topic: S&P 500 -- Ten Years Thoughts?
Replies: 45
Views: 6294

Re: S&P 500 -- Ten Years Thoughts?

Great thoughts, thank you :-) @TedSnippet -- Part of what you said is good news (9.3%), and the other part (up to 5% dip over next decade) not so good. Is there somewhere I can see accumulated results for markets (dividends incorporated) rather than just the core index movement? It's hard to map out...
by SmilerUK
Tue Oct 31, 2017 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 -- Ten Years Thoughts?
Replies: 45
Views: 6294

Re: S&P 500 -- Ten Years Thoughts?

@TedSwippet -- you're a genius. Firstly, you're right. My maths was wrong. I was calculating this on the GBP amount. D'OH! Sorry about that. More importantly, however, is the 6% vs 3%. Is it right therefore to say that, historically, the 6% rate *already incorporates* inflation? If so, I've been cal...
by SmilerUK
Tue Oct 31, 2017 5:28 am
Forum: Investing - Help with Personal Investments
Topic: S&P 500 -- Ten Years Thoughts?
Replies: 45
Views: 6294

Re: S&P 500 -- Ten Years Thoughts?

Thank you, @TedSwippet! You very well may be right :-) Here's how I calculated it. £1m @ 1.21, invested over 10 years, presuming 6% market return = $1.67m. Then cashed out in GBP 2.08 = £802,884. 3% inflation on the original £1m would equal £737k in a decade. So that's £263k "real" loss. Therefore, ...
by SmilerUK
Mon Oct 30, 2017 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 -- Ten Years Thoughts?
Replies: 45
Views: 6294

Re: S&P 500 -- Ten Years Thoughts?

Wow. You guys really know how to put my brain cells into overdrive. Personally, I'm a UK investor, and Vanguard don't offer any hedged investments in the US market. So I'll probably *have* to go with an S&P 500 hedged ETF rather than an all-market fund. I wish I had the choice of an all-market hedge...
by SmilerUK
Sat Oct 28, 2017 10:53 am
Forum: Investing - Help with Personal Investments
Topic: S&P 500 -- Ten Years Thoughts?
Replies: 45
Views: 6294

S&P 500 -- Ten Years Thoughts?

Hi Bogleheads! Just wanted to get my thoughts in order. In the 10 years from 1998 onward, on a $10k investment, the S&P 500 dropped massively and only recovered at the 11th hour, returning a few hundred dollars above investment. Question: This return doesn't include accumulation, I don't believe. Is...
by SmilerUK
Sat Oct 28, 2017 10:48 am
Forum: Investing - Help with Personal Investments
Topic: US All-Share Index Fund Recommendation?
Replies: 2
Views: 480

US All-Share Index Fund Recommendation?

Hey Bogleheads!

A quick question to the genius awesome people on this board :-)

I'm investing in an S&P Hedged index accumulation.

Does anyone know of a US all-market index fund which is also hedged?

Vanguard don't seem to offer one. I'm trying to offset currency worries!

Kaz
by SmilerUK
Thu Oct 26, 2017 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Currency Question - UK vs USA (phrased better :-))
Replies: 6
Views: 735

Re: Currency Question - UK vs USA (phrased better :-))

Noted, thank you :-) @AlohaJoe, you said: If you don't want to worry about currency movements then you can buy a fund that is currency hedged. A quick Google turns up IGUS -- https://www.ishares.com/uk/individual/en/products/251904/ishares-sp-500-gbp-hedged-ucits-etf -- which says it is currency hed...
by SmilerUK
Thu Oct 26, 2017 5:35 am
Forum: Investing - Help with Personal Investments
Topic: Currency Question - UK vs USA (phrased better :-))
Replies: 6
Views: 735

Currency Question - UK vs USA (phrased better :-))

Hi Bogleheads! I have a question regarding currency. I've been trying to figure out when to buy my US index shares, with my relatively weak GBP. Obviously, on average, equities return 6% per year in the long term. Currency however does not act in the same way. Imagine someone with USD invested $4000...
by SmilerUK
Thu Oct 26, 2017 4:49 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation -- How do you split yours? :P
Replies: 5
Views: 1201

Re: Asset Allocation -- How do you split yours? :P

*bump* :-)

Anyone know if this is a decent split?