tag:blogger.com,1999:blog-2875915890415125655.post4392987713264155333..comments2023-05-18T10:37:34.608+01:00Comments on <a href="http://www.retirementinvestingtoday.com">Retirement Investing Today</a>: A Retirement Investing Today Review 6 Months into 2013RetirementInvestingTodayhttp://www.blogger.com/profile/03088383743670046657noreply@blogger.comBlogger15125tag:blogger.com,1999:blog-2875915890415125655.post-21328965279599601002013-07-22T14:45:28.735+01:002013-07-22T14:45:28.735+01:00Adelaide is a gem. A mediterranean climate is so...Adelaide is a gem. A mediterranean climate is so much more enjoyable than a subtropical one: it's low humidity heat in summer vs high humidity.deariemenoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-83764216725639110312013-07-21T11:15:09.569+01:002013-07-21T11:15:09.569+01:00The 20% rate is really 32% when you take NI into a...The 20% rate is really 32% when you take NI into account.<br /><br />And the 40% rate is really 42% or more if you earn over £50k and have children.<br /><br />Why do people obsess about avoiding 40% tax by paying into SIPPS but aren't worried about trying to avoid 32% through salary sacrifice.<br /><br />The employer's NI is a further 13.8% on top of either.BeatTheSeasonsnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-72350103486466623332013-07-19T21:55:43.147+01:002013-07-19T21:55:43.147+01:00Go to New South Wales to get a better sense of Aus...Go to New South Wales to get a better sense of Australia, or failing that Melbourne! Much better suited to the likes of us. Even the Australians think Queensland is for nutters.<br /><br />I think you're simple portfolio benchmark is always likely to have very good six month stints from time to time -- your more complex portfolio can only really show its legs over longer time periods. Good toMonevatorhttp://monevator.comnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-78977133423815076542013-07-18T20:36:46.862+01:002013-07-18T20:36:46.862+01:00Hi Anonymous
To get all the details I'd encou...Hi Anonymous<br /><br />To get all the details I'd encourage you to read my detailed Strategy which is linked to above. Generally 95% of my fund (only the gold doesn't) spins off passive income. This is my HYP but I also have low fee tracker ETF's, OEIC's, Mutual Funds covering:<br />- Aus, UK, US, EU and Japan Equities<br />- UK and EU Property<br />- UK Index Linked Gilts<br /RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-86535170918514564332013-07-18T20:32:26.369+01:002013-07-18T20:32:26.369+01:00Glad you find the site interesting Martin.
Admitt...Glad you find the site interesting Martin.<br /><br />Admittedly it's a while ago now (and I think there have been some changes to the Superannuation rules since then) but I thought a UK pension transfer to Australian Superannuation via the QROPS process was very attractive as you've hinted at. Areas to be careful around that I can remember were:<br />- if you transfer more than 6 monthsRetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-74035803728061361962013-07-18T11:21:48.146+01:002013-07-18T11:21:48.146+01:00Thanks for your reply, RIT. I was curious because ...Thanks for your reply, RIT. I was curious because I'm considering moving to Australia and so it would have been nice to share experiences.<br /><br />For example, I read in an earlier comments of yours that you don't believe salary sacrifice at the 20% tax rate makes sense. This concern does imho not apply if someone plans to retire in Australia as you can transfer a pension to Australia Martinnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-23377801717230161812013-07-17T21:40:48.315+01:002013-07-17T21:40:48.315+01:00Hi RIT,
How do you plan to generate a passive inc...Hi RIT,<br /><br />How do you plan to generate a passive income stream when you finally retire ? Believe you only have a few HYP shares. Are you considering Equity & Bond ETFs , Investment Trusts ?<br /><br />Regards,Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-71055884395449572722013-07-17T12:12:29.438+01:002013-07-17T12:12:29.438+01:00Hi Martin
When I first built the strategy I wante...Hi Martin<br /><br />When I first built the strategy I wanted a foot in both camps to give me an option of early retirement in either location. As time has gone on and after having had an opportunity to spend some time in Australia it now looks like a very unlikely retirement location before I even consider XE or Visa's. Today if asked I would say the likely location is either somewhere in RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-71614732236710231432013-07-15T12:51:44.807+01:002013-07-15T12:51:44.807+01:00Why is so much of your investments in Australian e...Why is so much of your investments in Australian equities? Are you planning to retire in the UK or in Australia? Assuming you're thinking of going to Australia, does your Retirement Number take the high cost of living and the bad exchange rate into account? What kind of visa do you expect to receive if you're not planning on working there?Martinnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-78098557088166408602013-07-15T12:35:43.013+01:002013-07-15T12:35:43.013+01:00Thanks for sharing K. Not sure what's happeni...Thanks for sharing K. Not sure what's happening with my tracker as your JP Morgan Emerging Markets A - Net Accumulation fund says it's benchmark is the MSCI Emerging Markets Index which is what I'm trying to track. Morningstar suggests it's down by -0.8% as you mentioned and that its beating the index by 1.5% in 2013. That suggests I should only be down be 2.3% less fees and RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-43689841507913392122013-07-14T23:40:37.606+01:002013-07-14T23:40:37.606+01:00Well, I am flat on emerging markets component, but...Well, I am flat on emerging markets component, but it compensated by the rally in US/UK stock and some other components. <br /><br />I tend to go Active with non-trivial high risk and reward allocations such as emerging markets. Here is the fund - GB0030881550, I see its YTD as -0.75%. But I am actually happy with current prices due to low valuations, hoping for a large move up in 1-3 years.<br /Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-65358682577181006902013-07-14T23:15:17.834+01:002013-07-14T23:15:17.834+01:00Congratulations K. You're well ahead of my fe...Congratulations K. You're well ahead of my feeble year to date efforts.<br /><br />As you know I only have 5% of wealth targeted to Emerging Markets. My EM's predominantly consist of MSCI Emerging Market Trackers which when priced in £'s are down 10.5% year to date. Dividends would add 0.6% for a total return year to date of -9.9%. Would you be prepared to share what EM's you RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-61808170506577011272013-07-14T23:07:10.988+01:002013-07-14T23:07:10.988+01:00Hi John
The benchmark was set at the beginning of...Hi John<br /><br />The benchmark was set at the beginning of my journey back in 2007. It was designed to be the <a title="Simplest Investment Portfolio" href="http://www.retirementinvestingtoday.com/2013/06/a-simple-low-expense-low-tax-investment.html" rel="nofollow">Simplest Investment Portfolio</a> that I could think of at the time. I went for a simple portfolio as I was trying to assess RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-23999547758309305772013-07-14T22:34:10.548+01:002013-07-14T22:34:10.548+01:00RIT,
My portfolio for 6 months is around 8.6%.
Equ...RIT,<br />My portfolio for 6 months is around 8.6%.<br />Equity only, heavy on emerging markets and currently increasing small caps positions.<br />Also, heavily loading emerging markets on dips now - enjoying suppressed valuations due to irrational market behavior driven by US fed. <br />K.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-52216480984622637892013-07-14T22:12:13.674+01:002013-07-14T22:12:13.674+01:00Hello RIT,
Thanks for the update - things seem to...Hello RIT,<br /><br />Thanks for the update - things seem to be more or less on track. Got to admire the discipline to tuck away over 60% of earnings on a consistent basis.<br /><br />I was just wondering whether using your benchmarks is causing unnecessary concern as your portfolio has a wide mix of UK equities, cash, bonds, property, commodities and international equities.<br /><br />Would the Getting to Net Zerohttps://www.blogger.com/profile/05649975918886866788noreply@blogger.com