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2017 Financial Outlook/Investments/Strategy |
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#26 |
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Forum Member
Join Date: Oct 2009
Posts: 8,749
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Quote:
Thanks for the tip. I think I may.
Dairylea Triangles seem to offer a steady return. Plus they're foil wrapped.
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#27 |
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Inactive Member
Join Date: Dec 2016
Location: London
Posts: 247
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Quote:
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 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. |
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#28 |
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Join Date: Jan 2014
Posts: 4,474
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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 |
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#29 |
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Inactive Member
Join Date: Dec 2016
Location: London
Posts: 247
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So if you invest ten grand and make a grand profit over a year, that would be a good return?
The 10% you refer to is almost impossible imo, feasible, but luck is an element. Thanks |
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#30 |
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Join Date: Oct 2012
Posts: 7,703
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I'm going frozen OJ. I have some inside info I got at a fancy dress party on a train on NYE.
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#31 |
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Forum Member
Join Date: Oct 2009
Posts: 8,749
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What's an "unti" trust?
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#32 |
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Forum Member
Join Date: Apr 2005
Location: Sarf Birmingham
Posts: 71,939
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Thank God you're here.
![]() Can you make it stop? ![]() 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
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#33 |
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Join Date: Jun 2013
Posts: 30,190
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#34 |
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Join Date: Jul 2004
Location: Scarborough
Posts: 18,770
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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.....
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#35 |
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Join Date: Jul 2004
Location: Scarborough
Posts: 18,770
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Thank God you're here.
![]() Can you make it stop? ![]() |
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#36 |
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Join Date: Oct 2009
Posts: 8,749
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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..... ![]() It wasn't to discuss financial investments or strategy.
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#37 |
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Join Date: Oct 2009
Posts: 8,749
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Stop what, a discussion on investments.? Can I ask why you think this should not be discussed?
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#38 |
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Join Date: Jul 2004
Location: Scarborough
Posts: 18,770
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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. ![]() Quote:
*Whoosh*....................
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#39 |
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Join Date: Oct 2009
Posts: 8,749
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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"
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#40 |
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Join Date: Jul 2004
Location: Scarborough
Posts: 18,770
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I don't see anyone stopping you from doing so. You are entirely free to ignore comments which are surplus to your needs.
![]() 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 |
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#41 |
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Join Date: Jun 2016
Posts: 954
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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 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? |
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#42 |
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Join Date: Oct 2009
Posts: 8,749
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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 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. |
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#43 |
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Join Date: Jul 2004
Location: Scarborough
Posts: 18,770
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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? Not sure on the tax implications here but stamp duty is paid up front so additional cost at outset |
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#44 |
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Join Date: Jul 2004
Location: Scarborough
Posts: 18,770
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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. |
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#45 |
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Join Date: Aug 2006
Location: Dark Satanic Mills
Posts: 4,815
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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.
![]() 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!
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#46 |
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Join Date: May 2002
Location: GL51 0EX
Posts: 14,094
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What's considered a good annual return on investment? Or an achievable one?
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#47 |
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Join Date: Oct 2015
Posts: 1,902
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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
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#48 |
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Join Date: Mar 2014
Posts: 2,402
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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.
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#49 |
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Forum Member
Join Date: Feb 2007
Location: Cheltenham, Glos.
Posts: 540
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Quote:
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
![]() P.S. I was about to put some deliberate spelling mistakes in there, but I suppose the moment has passed... |
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#50 |
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Forum Member
Join Date: Oct 2015
Posts: 1,902
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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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