Search found 22 matches

by Plantagenet
Sat Oct 05, 2019 11:06 am
Forum: Non-US Investing
Topic: 72 Year Old Retiree (UK)
Replies: 10
Views: 1613

Re: 72 Year Old Retiree (UK)

As I understand it, unless the SIPP is already in drawdown, she can keep contributing to it, and the govt will add 25% on top. Even if she isn't working, she can do that up to (AFAIR) £3600 a tax year. When you start drawing from the SIPP, they claw the tax back. I'm not a pensions advisor, btw, th...
by Plantagenet
Thu Oct 03, 2019 3:48 am
Forum: Non-US Investing
Topic: 72 Year Old Retiree (UK)
Replies: 10
Views: 1613

Re: 72 Year Old Retiree (UK)

Forester wrote:
Mon Sep 30, 2019 3:25 am
Try to get her to use the SIPP allowance as a retiree - churning this every year is something like a free £800.
So how would this work ?
by Plantagenet
Sat Sep 28, 2019 5:07 pm
Forum: Non-US Investing
Topic: 72 Year Old Retiree (UK)
Replies: 10
Views: 1613

Re: 72 Year Old Retiree (UK)

https://finpage.blog/2019/01/03/three-fund-portfolio-2018-update/ I found the above interesting - to compare 20 year performance of 80/20, 60/40 and 40/60. They are in fact very similar which surprised me. This info is for the 3 fund portfolio, but that should be pretty similar to your retiree. As ...
by Plantagenet
Sat Sep 28, 2019 5:01 pm
Forum: Non-US Investing
Topic: 72 Year Old Retiree (UK)
Replies: 10
Views: 1613

Re: 72 Year Old Retiree (UK)

That seems a solid base but possibly rather cash heavy. What's her aim and time horizon here? Supplement existing pension if its low or gets reduced? Living the high life for a few golden years? Bequests? Rainy day/care home fund? Thanks mucgoo. She enjoys living modestly, but is looking to build a...
by Plantagenet
Sat Sep 28, 2019 4:56 pm
Forum: Non-US Investing
Topic: 72 Year Old Retiree (UK)
Replies: 10
Views: 1613

Re: 72 Year Old Retiree (UK)

Who advised her? He seems to have got it absolutely right I am 73 retired with the same Portfolio except I am 30% Equities 65% Bonds 5% Cash To increase returns Keep 2 years expenses in cash account - rest to be invested Make sure investment platform is suitable ie cheapest one for a small portfoli...
by Plantagenet
Sat Sep 07, 2019 10:23 am
Forum: Non-US Investing
Topic: 72 Year Old Retiree (UK)
Replies: 10
Views: 1613

72 Year Old Retiree (UK)

Hello Everyone, I hope you are all happy and well. I would be grateful for your thoughts and suggestions for a portfolio for an older relative of mine: Currently, she is able to live comfortably from her Works and State Pension and has minimal outgoings. Her current financial situation is as follows...
by Plantagenet
Mon Jun 17, 2019 6:35 am
Forum: Non-US Investing
Topic: Late developer ..... (UK)
Replies: 37
Views: 3326

Re: Late developer ..... (UK)

You can't really afford to have 5 per cent of the portfolio give you low or negative returns./quote]- I completely agree Valuethinker, thats why intend to stay fully invested in 80/20 Equities & Bonds. My aim is to keep my portfolio as simple as possible (two global funds), but was curious on the r...
by Plantagenet
Sat Jun 15, 2019 9:21 am
Forum: Non-US Investing
Topic: Late developer ..... (UK)
Replies: 37
Views: 3326

Re: Late developer ..... (UK)

Thanks Magneto, Very much so but remember the BH philosophy is essentially based around :- Stocks + Bonds (maybe a touch of Cash) So In your view how could the cash element of the portfolio be allocated? Regards Plantagenet Whichever most convenient locations to safely spread around in, as already ...
by Plantagenet
Wed Jun 12, 2019 11:20 am
Forum: Non-US Investing
Topic: Late developer ..... (UK)
Replies: 37
Views: 3326

Re: Late developer ..... (UK)

Valuethinker,

Sorry I havent replied sooner, I'm currently on a break in Spain.
Thank you for the heads up on Entrepreneurs relief and the Enterprise Investment Scheme.
I shall do some homework on these when I get back to the UK.

Best Wishes
Plantagenet
by Plantagenet
Fri Jun 07, 2019 3:35 am
Forum: Non-US Investing
Topic: Late developer ..... (UK)
Replies: 37
Views: 3326

Re: Late developer ..... (UK)

Then it is a really good investment: the 1 in 100, in my experience. I was in the right place at the right time (lucky). When selling, I was thinking of putting the shares in joint names (along with my wife) in order to take advantage of both of our CGT allowances. If I could arrange to sell one pe...
by Plantagenet
Tue Jun 04, 2019 4:35 pm
Forum: Non-US Investing
Topic: Late developer ..... (UK)
Replies: 37
Views: 3326

Re: Late developer ..... (UK)

In my experience that latter is basically worth zero. I mean, it could someday be worth something, but in the meantime you can't sell it, it usually does not pay a dividend, you are a minority shareholder so you don't have control rights, you can't sell it to anyone else (except the controlling sha...
by Plantagenet
Mon Jun 03, 2019 8:38 am
Forum: Non-US Investing
Topic: Late developer ..... (UK)
Replies: 37
Views: 3326

Re: Late developer ..... (UK)

So beware the thought that you will rebalance. It is easy to rebalance into a minus 10% market correction. It's a lot harder to do that at minus 10, then minus 20, then minus 30 - the 2000-03 slump lasted nearly 3 years. The shock of seeing your portfolio just melt away and I can assure you the new...
by Plantagenet
Mon Jun 03, 2019 6:46 am
Forum: Non-US Investing
Topic: Late developer ..... (UK)
Replies: 37
Views: 3326

Re: Late developer ..... (UK)

A high interest savings account would do. There are usually various good teaser rates/ new customer rates on offer. Unfortunately a lot of these, dare I say 'higher" interest rate savings accounts seem to be capped at £1.5k - £2.5k per year. I'm currently using a regular saver with Santander, which...
by Plantagenet
Sat Jun 01, 2019 10:32 am
Forum: Non-US Investing
Topic: Late developer ..... (UK)
Replies: 37
Views: 3326

Re: Late developer ..... (UK)

Thanks Magneto,
magneto wrote:
Wed May 29, 2019 10:41 am
Very much so but remember the BH philosophy is essentially based around :-
Stocks + Bonds (maybe a touch of Cash)
So In your view how could the cash element of the portfolio be allocated?


Regards
Plantagenet
by Plantagenet
Sat Jun 01, 2019 8:57 am
Forum: Investing - Theory, News & General
Topic: Bond Allocation
Replies: 3
Views: 630

Re: Bond Allocation

YRT70 wrote:
Sat Jun 01, 2019 1:01 am
Vanguard suggests a global bond fund hedged to your local currency. https://personal.vanguard.com/pdf/ISGGLBD.pdf

iShares and Vanguard offer such funds.
Excellent article YRT70,

Just what I was looking for.
Global it is then......


Kind regards
Plantagenet
by Plantagenet
Fri May 31, 2019 11:44 pm
Forum: Investing - Theory, News & General
Topic: Bond Allocation
Replies: 3
Views: 630

Bond Allocation

Hi, I accept the simplicity and logic of the BH philosophy that as a private investor, anyone can create a sound and well-diversified, low cost portfolio by using just two or three funds, however I would be interested to hear your views on the following options with regards to bond allocation: Optio...
by Plantagenet
Sun May 26, 2019 2:30 pm
Forum: Non-US Investing
Topic: Late developer ..... (UK)
Replies: 37
Views: 3326

Re: Late developer ..... (UK)

Thank you all for your input, Lots of variables, which ultimately I do not have control over. I guess as investors all we can do is act on the components that we can influence. With the political situation in the UK at present who knows how many times the goalposts will be moved within the next 5,10...
by Plantagenet
Sat May 25, 2019 1:18 pm
Forum: Non-US Investing
Topic: Late developer ..... (UK)
Replies: 37
Views: 3326

Re: Late developer ..... (UK)

Valuethinker, Thank you, I will have a read through Ted’s posts. You are correct, the Global Bond Index Fund is hedged to sterling, the All Cap Index Fund is not. Only gold Sovereigns and Britannia’s and a few other types of UK coins are CGT exempt. I understand that If I hold equities in the ISA I ...
by Plantagenet
Sat May 25, 2019 12:26 pm
Forum: Non-US Investing
Topic: Late developer ..... (UK)
Replies: 37
Views: 3326

Re: Late developer ..... (UK)

It seems as if I have sparked some controversy... LadyGeek, Thanks for the reply, I have relevant insurance cover for all coins. It is also stored in a fire proof safe. Jags4186 Thank you also. I have enjoyed an increase in value of these over the time period, some of which have appreciated in value...
by Plantagenet
Sat May 25, 2019 11:08 am
Forum: Non-US Investing
Topic: Late developer ..... (UK)
Replies: 37
Views: 3326

Re: Late developer ..... (UK)

Hi Valuethinker, Thank you for your reply and the warm welcome .... My wife and I are both self employed so no defined benefits or employer contributions. Unfortunately my wife has a very small pension pot and is not in a position to add any further contributions at present. I am currently using Bes...
by Plantagenet
Sat May 25, 2019 10:12 am
Forum: Non-US Investing
Topic: Late developer ..... (UK)
Replies: 37
Views: 3326

Re: Late developer ..... (UK)

Thank you LadyGeek, much appreciated :D
by Plantagenet
Sat May 25, 2019 9:35 am
Forum: Non-US Investing
Topic: Late developer ..... (UK)
Replies: 37
Views: 3326

Late developer ..... (UK)

Hello Everyone, I hope you are all happy and well. I'm new to the forum and to also pretty much at the beginning of my own investment journey (although admittedly late at age 49) :oops: After much research and deliberation, I have opted to take the passive approach to investing and have constructed ...