tag:blogger.com,1999:blog-2875915890415125655.post4697933441604970343..comments2023-05-18T10:37:34.608+01:00Comments on <a href="http://www.retirementinvestingtoday.com">Retirement Investing Today</a>: My Investment Portfolio Warts and AllRetirementInvestingTodayhttp://www.blogger.com/profile/03088383743670046657noreply@blogger.comBlogger17125tag:blogger.com,1999:blog-2875915890415125655.post-60754705626415009992015-06-18T19:02:30.346+01:002015-06-18T19:02:30.346+01:00I just set up an ISA for my Dad (who is well into ...I just set up an ISA for my Dad (who is well into retirement) and went with Vanguard's FTSE All-World High Dividend Yield ETF, as well as a slice of the Vanguard UK Equity Income fund.<br /><br />Should be good for the long term as he won't need to touch the money for a few years. No need to rebalance individual shares either.MyRichFuture.comhttp://myrichfuture.comnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-56617132241067290412015-06-11T20:59:53.187+01:002015-06-11T20:59:53.187+01:00Fascinating stuff, Keith. Thanks for putting this ...Fascinating stuff, Keith. Thanks for putting this together for us.<br /><br />Yes, some of those have been on my watchlist as well, it must be said. <br /><br />I have not looked at Target Healthcare for well over a year though. I must take a fresh look. I remember it was very attractive when I first looked but I can't remember what "turned me off" in the end.<br /><br />I also haveDividend Drivehttp://dividend-drive.blogspot.co.uk/noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-84919170910423916152015-06-10T08:55:20.198+01:002015-06-10T08:55:20.198+01:00I've held Hansteen, Segro and British Land for...I've held Hansteen, Segro and British Land for the past 3 years and continue to hold long term (expecting more modest, but steady, returns in future compared with the most satisfying recent rises). Also property related, I am along term holder of the excellent TR Property IT, Savills and Berkely Group (the latter could be a candidate for RIT'sHYP). I have lately added Bovis and, in the Keithnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-30184281832115400262015-06-07T17:02:45.798+01:002015-06-07T17:02:45.798+01:00""I don’t have a single client who spend...""I don’t have a single client who spends less in retirement than before". USA! USA! USA!deariemenoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-70464417952679324532015-06-07T16:31:37.655+01:002015-06-07T16:31:37.655+01:00A bit more interesting/involved than the passive s...A bit more interesting/involved than the passive side of things?<br /><br />I had looked at the All-World High Dividend Yield, but noticed that the total return was larger for the World tracker (the accumulating one). While in my own accumulation phase total return is the way to go, but the transfer to income needs to be considered at some point. <br /><br />It does feel like a high yield fund&Anonymoushttps://www.blogger.com/profile/18300941962780673623noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-8399479615236668622015-06-07T14:02:42.301+01:002015-06-07T14:02:42.301+01:00Thanks for replying, RIT.
I see! I am seriously t...Thanks for replying, RIT.<br /><br />I see! I am seriously thinking of introducing PHP to my portfolio next week. I have been looking at it for well over a year and not forund anything (other than the uncoevred dividend) that upsets me. As a result, I am increasingly thinking it is time to dive in. We will see!<br /><br />Glad you got the pension transfer sorted. A headache it is best to get rid Dividend Drivehttp://dividend-drive.blogspot.co.uk/noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-61367120153443232052015-06-07T10:44:08.572+01:002015-06-07T10:44:08.572+01:00Hi Mr Z
This was certainly one of the motivators ...Hi Mr Z<br /><br />This was certainly one of the motivators behind the HYP and I want to continue to increase it for now - it's currently 15 shares and I'd really like to get to 25-30 before I call it quits. That number could be ambitious if FIRE really does occur because of a favourable Mt Market in less than 18 months. The addition of ISXF into Bonds will also help.<br /><br />The RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-5915777249433570582015-06-07T10:33:04.815+01:002015-06-07T10:33:04.815+01:00Hi weenie
Interesting how we're seeing P2P so...Hi weenie<br /><br />Interesting how we're seeing P2P so differently. I full acknowledge that the risk profile is higher (no FSCS scheme for instance) and different to a savings account but I didn't see it as such a high risk. I think part of this may be because of the Provision Fund and some (limited) historical data. RateSetter don't seem to publish the data but Zopa tell us thatRetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-17753328466004588172015-06-07T10:22:22.588+01:002015-06-07T10:22:22.588+01:00Hi DD
I've held both PHP and Hansteen less tha...Hi DD<br />I've held both PHP and Hansteen less than a week. All of the LSE REIT's were bought this week as part of the pension transfer palaver.<br />Cheers<br />RITRetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-58402369681658724212015-06-07T10:20:12.116+01:002015-06-07T10:20:12.116+01:00Thanks for the 2 links dearieme.
The first one is...Thanks for the 2 links dearieme.<br /><br />The first one is very relevant. There are a couple of reasons that I certainly am inwardly considering already. The Business one is an interesting theme. My Mon to Fri currently is just filled with high pressured work so will I also go "stir-crazy".<br /><br />I'm struggling with the Overspending Assets theme somewhat. He states "RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-45260552059996184982015-06-06T20:53:01.602+01:002015-06-06T20:53:01.602+01:00Hi RIT,
Thanks for the detailed breakdown of a po...Hi RIT,<br /><br />Thanks for the detailed breakdown of a portfolio nearing actual drawdown, fascinating reading. <br /><br />"The motivation is that I’m trying to build a portfolio that at the point of Early Retirement can pay me my annual ‘salary’ from interest and dividends alone" - is the plan to increase the relative holding of your HYP to help to provide this? Or are you on Anonymoushttps://www.blogger.com/profile/18300941962780673623noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-57381289284197757962015-06-06T20:36:32.395+01:002015-06-06T20:36:32.395+01:00Thanks for providing us with the detailed breakdow...Thanks for providing us with the detailed breakdown of your portfolio. A few pointers there to consider when I get closer to my FI date but I'm quite a bit away!<br /><br />Funny, I consider my P2P lending as part of the'equity' bit of my portfolio, only because I don't see it as 'safe' as my cash that's sitting in a building society account or my premium bonds.weeniehttps://www.blogger.com/profile/01602950445306813601noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-57157073291665957322015-06-06T17:57:14.453+01:002015-06-06T17:57:14.453+01:00Many thanks - how fascinating. (Is there a possib...Many thanks - how fascinating. (Is there a possible typo in your commodities pie chart?) That really is helpful, and remarkably frank.<br /><br />When we left Australia I was given my superann money back, and it ended up in an S226 scheme in the UK, wherein it was used for flagrant market-timing investments, and did jolly well. Most of the time it was in Far Eastern units, with short deariemenoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-71101440573020057212015-06-06T17:16:56.668+01:002015-06-06T17:16:56.668+01:00To read, mark, and inwardly digest.
http://www.fa-...To read, mark, and inwardly digest.<br />http://www.fa-mag.com/news/why-clients-fail-at-retirement-21922.html?section=47deariemenoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-39693902348701524022015-06-06T14:04:09.125+01:002015-06-06T14:04:09.125+01:00Thanks for the wonderfully detailed breakdown of y...Thanks for the wonderfully detailed breakdown of your portfolio! I was planning to do a simple one myself (mine is far less diversified than yours, it must be said).<br /><br />I am glad to see you hold Hansteen holdings in your list. i have not seen many people invested in them for some reason. I think, as an investment in European commercial property, they are best available for UK investors. <Dividend Drivehttp://dividend-drive.blogspot.co.uk/noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-31434826367314904362015-06-06T12:37:57.327+01:002015-06-06T12:37:57.327+01:00Hi John
Interesting you mention the FTSE 250. I ...Hi John<br /><br />Interesting you mention the FTSE 250. I get some exposure to these companies through the FTSE All Share and my HYP but as you'd know the index is mostly FTSE 100 stuff percentage wise. I have considered further diversifying via something like VMID but for now I'm sitting on my hands. How are you getting access to the FTSE 250?<br /><br />Cheers<br />RITRetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-63092298864479556882015-06-06T11:54:22.300+01:002015-06-06T11:54:22.300+01:00Thanks for the detail RIT. Excellent.
I used to ...Thanks for the detail RIT. Excellent. <br /><br />I used to do the whole "modern portfolio theory" bit 10 or so years ago and then switched into stock picking because it was more interesting/profitable. However, my son's child ISA is passive but I'm far too efficient (i.e. lazy) to do more than split it five ways between FTSE 100, FTSE 250, World Equities, UK Gilts and UK Value Investorhttp://www.ukvalueinvestor.comnoreply@blogger.com