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2017 Financial Outlook/Investments/Strategy
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Moany Liza
02-01-2017
Originally Posted by scottie2121:
“Thanks for the tip. I think I may.

Dairylea Triangles seem to offer a steady return. Plus they're foil wrapped.”

... and don't discount the flexibility and versatility of the humble Cheestring!
Princessxxxx
02-01-2017
Originally Posted by Eagle9a:
“I think it is essential for any investor (not trader) to have a clear long term strategy ie why am I investing in this particular instrument, so on that premise my views on certain investments would be as follows:-
Bonds/Gilts - need a fixed income for a fixed period, not too worried about capital depreciation

Premium Bonds - Useful for keeping cash in days of low inflation

Equity Investment - Looking for term growth, not worried by market fluctuation

Unit Trusts - A good place to start, can mix income and capital growth

Property - hmmm, not sure I would want to comment on this one at this time, probably dangerous for investors who might need liquidity

Savings accounts - useful but not likely to produce income or capital growth

My opinions only”

Thanks
Since reading your post a couple of hours ago, been looking at "unti trusts" -
I think I will wait for a market crash or big correction and may but a few hundred shares at a times, especially if share prices then contiune to drop. I will stick with the top 100 companies as my dad says they are the safest but they can go down as well EG Tesco.

I often put 100 quid into PB's - and won 25 quid twice over three years.
D_Mcd4
02-01-2017
Originally Posted by Princessxxxx:
“Hiya all

Today I have registered wit a financial forum, but unable to post until my registration has been approved.

I'm hoping some that post/read here work, own their own property/s and have or considering again their investment ideas for 2017.

Interest rates are close to zero and one is hard pushed to get more than 1.2%

The Gov changed the way interest is claculated on saving in April 2016 I beleive so paid net as opposed to gross, 1k interest free for 20% tax payers and mum and dad are 40% tax payers they get 500 quid tax free I think, unless using the Isa route.

I have only invested in shares a few times, vis dad's brokers - made a small loss on BT and the postoffice and made up for the loses plus a small net profit when I invested on Morrisons as dad was right he said "share price is too low," then I sold at a profit but would have made a bigger profit if i had held on - timing is the ket.

Mum and dad holding off buying another rental property as they feel property prices and stock will cenrtainly crash in 2017, especially close to the trigerring of article 50 in March


Peer to peer lending gives high returns but risky from what I have read.

I have some premium Bonds and mum and dad hold the max amounts.

Me, and my parents all have Santandar current accounts for max interest as well as Barclays for their first closs premeir banksing.

What are you plans especially re stocks and property, are you buyign, selling or holding?

Thanks”

I'm going frozen OJ. I have some inside info I got at a fancy dress party on a train on NYE.
Princessxxxx
02-01-2017
Originally Posted by highland paddy:
“So if you invest ten grand and make a grand profit over a year, that would be a good return?”

For me, any profit is a good proift, especially if its inflation plus profit.
The 10% you refer to is almost impossible imo, feasible, but luck is an element.
Thanks
TrollHunter
02-01-2017
Originally Posted by D_Mcd4:
“I'm going frozen OJ. I have some inside info I got at a fancy dress party on a train on NYE.”

Ahh...beef jerky time. Merry New Year
Moany Liza
02-01-2017
What's an "unti" trust?
Pickpuss
02-01-2017
Originally Posted by Moany Liza:
“Thank God you're here.

Can you make it stop? ”

It's stopped now, how long for is anyone's guess.

Shame though, as I was about to ask the OP if they liked hamsters or whether one of their sisters did. I may never know now
anne_666
02-01-2017
Originally Posted by Moany Liza:
“What's an "unti" trust? ”

A pissed unit trust
Eagle9a
02-01-2017
I guess its part of life these days but why do some people think its incredibly funny to make, what are in reality, totally puerile comments about a serious thread which some people might actually be interested in.

Do you think the same ridiculous comments would be made in a forum which actually addresses the issue raised...NO, so why do it in a GD thread.

Sad.....
Eagle9a
02-01-2017
Originally Posted by Moany Liza:
“Thank God you're here.

Can you make it stop? ”

Stop what, a discussion on investments.? Can I ask why you think this should not be discussed?
Moany Liza
02-01-2017
Originally Posted by Eagle9a:
“I guess its part of life these days but why do some people think its incredibly funny to make, what are in reality, totally puerile comments about a serious thread which some people might actually be interested in.

Do you think the same ridiculous comments would be made in a forum which actually addresses the issue raised...NO, so why do it in a GD thread.

Sad.....”

I guess it may just be that a number of people knew exactly what the OPs intention was in starting the thread... but in case anyone didn't - here's a clue:

It wasn't to discuss financial investments or strategy.
Moany Liza
02-01-2017
Originally Posted by Eagle9a:
“Stop what, a discussion on investments.? Can I ask why you think this should not be discussed?”

*Whoosh*....................
Eagle9a
02-01-2017
Originally Posted by Moany Liza:
“I guess it may just be that a number of people knew exactly what the OPs intention was in starting the thread... but in case anyone didn't - here's a clue:

It wasn't to discuss financial investments or strategy. ”

Originally Posted by Moany Liza:
“*Whoosh*.................... ”

That does not preclude a sensible discussion. OK the thread may or not have been started as a bait, now lets have the discussion that may have been started "by accident"
Moany Liza
02-01-2017
Originally Posted by Eagle9a:
“That does not preclude a sensible discussion. OK the thread may or not have been started as a bait, now lets have the discussion that may have been started "by accident"”

I don't see anyone stopping you from doing so. You are entirely free to ignore comments which are surplus to your needs.
Eagle9a
02-01-2017
Originally Posted by Moany Liza:
“I don't see anyone stopping you from doing so. You are entirely free to ignore comments which are surplus to your needs. ”

I have...do you bother to read the thread?
Your input so far has had no constructive element whatsoever. Your posts do not contribute to the thread title and are therefore off topic, which is a reportable offence (not that I would ever consider this) but please let me have your investment thoughts for 2017
VicnBob
02-01-2017
Originally Posted by Princessxxxx:
“I guess anything gives you a net profit over the inflation index.

Would have been tempted to buy another rental flat, but the extra 3% tax on top of the usal tax and liklehood of pricess coming down holds me back from that at the moment”

I understand house prices have already dropped, and the market is quite stagnant.
Inflation is likely to increase and therefore will force an interest rate rise, if this is the case house prices may start to rise again.
The 3% increase in stamp duty is significant, but could you not offset that against costs when it comes to paying Capital Gains Tax?
Moany Liza
02-01-2017
Originally Posted by Eagle9a:
“I have...do you bother to read the thread?
Your input so far has had no constructive element whatsoever. Your posts do not contribute to the thread title and are therefore off topic, which is a reportable offence (not that I would ever consider this) but please let me have your investment thoughts for 2017”

Please do not presume to tell me what I may or may not post.

If you do not like my posts, then ignore them or ignore me - or do consider doing as you have intimated and report my posts as being "off topic". I suggest you do likewise with the posts of anyone else whose posts fall into the same category instead of singling me out.
Eagle9a
02-01-2017
Originally Posted by VicnBob:
“I understand house prices have already dropped, and the market is quite stagnant.
Inflation is likely to increase and therefore will force an interest rate rise, if this is the case house prices may start to rise again.
The 3% increase in stamp duty is significant, but could you not offset that against costs when it comes to paying Capital Gains Tax?”

Property is a bit "all over the place" (excuse the pun) and could be a good fixed interest investment...however be prepared to tie that cash up and possibly could be a problem if for any reason liquidity is needed.

Not sure on the tax implications here but stamp duty is paid up front so additional cost at outset
Eagle9a
02-01-2017
Originally Posted by Moany Liza:
“Please do not presume to tell me what I may or may not post.

If you do not like my posts, then ignore them or ignore me - or do consider doing as you have intimated and report my posts as being "off topic". I suggest you do likewise with the posts of anyone else whose posts fall into the same category instead of singling me out.”

No offence, but you were the one who chose to respond to my general enquiry; hence my multipost...my comments were aimed at all those who seemed to disrupt the discussion on a perfectably reasonable thread title
TeeGee
02-01-2017
Originally Posted by Moany Liza:
“If you do not like my posts, then ignore them or ignore me - or do consider doing as you have intimated and report my posts as being "off topic". I suggest you do likewise with the posts of anyone else whose posts fall into the same category instead of singling me out.”

BIB - Probably the best advice so far in this topic!

There are of course many differing types of investment but for general strategy I recommend a book titled "The Zurich Axioms" written by a man with with close connections to serious finance. The book is thirty years old but, speaking from experience, the principles are little changed. You can buy a used copy on Amazon for under a tenner.

The only advice that my professional body allows me to give is - DYOR!
platelet
02-01-2017
Originally Posted by highland paddy:
“What's considered a good annual return on investment? Or an achievable one?”

Three or more pages per thread started
Lucy_James
02-01-2017
Originally Posted by Eagle9a:
“No offence, but you were the one who chose to respond to my general enquiry; hence my multipost...my comments were aimed at all those who seemed to disrupt the discussion on a perfectably reasonable thread title”

Its a trolling thread, full of make believe bullshit like the rest of the threads they've made, so you can't blame people for responding to it like that, and the trolls been banned. Why not make a genuine thread about finances if youre really that bothered.
Soomacdoo
02-01-2017
Originally Posted by Lucy_James:
“Its a trolling thread, full of make believe bullshit like the rest of the threads they've made, so you can't blame people for responding to it like that, and the trolls been banned. Why not make a genuine thread about finances if youre really that bothered.”

Oh thats a real shame, I wanted to tell princesspoopypants about my days shopping in the sales today. I managed to get 6 unit trusts, 20 gilts and a couple of properties to rent out, all for the princely sum of 25 quid. And I've still got to do my tax ret this evening so I can get a refund in the morning.
JERRY HIPKISS
02-01-2017
Originally Posted by Soomacdoo:
“Oh thats a real shame, I wanted to tell princesspoopypants about my days shopping in the sales today. I managed to get 6 unit trusts, 20 gilts and a couple of properties”

But what about the partridge in a pear tree?
P.S. I was about to put some deliberate spelling mistakes in there, but I suppose the moment has passed...
Lucy_James
02-01-2017
Originally Posted by Soomacdoo:
“Oh thats a real shame, I wanted to tell princesspoopypants about my days shopping in the sales today. I managed to get 6 unit trusts, 20 gilts and a couple of properties to rent out, all for the princely sum of 25 quid. And I've still got to do my tax ret this evening so I can get a refund in the morning.”

bit obvious wasn't she going on about mummy and daddy and their money
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