tag:blogger.com,1999:blog-2875915890415125655.post4812634317853961688..comments2023-05-18T10:37:34.608+01:00Comments on <a href="http://www.retirementinvestingtoday.com">Retirement Investing Today</a>: The Investment Products to Build a Portfolio should be Trivial : Time Suggests OtherwiseRetirementInvestingTodayhttp://www.blogger.com/profile/03088383743670046657noreply@blogger.comBlogger27125tag:blogger.com,1999:blog-2875915890415125655.post-51980845848729229142015-04-12T13:28:19.006+01:002015-04-12T13:28:19.006+01:00Thanks for coming back on this one Dave.Thanks for coming back on this one Dave.RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-74948103393568450772015-04-12T11:24:32.251+01:002015-04-12T11:24:32.251+01:00I have a complex array of pensions, ISAs and savin...I have a complex array of pensions, ISAs and savings. I have 2 final salary pensions totalling 26.5 years of employment, a comps fund, I did some AVCs (so another fund), I have a SIPP I started myself and finally a pension at my current company. It’s very difficult to estimate my percentage in retail bonds as part of the overall picture, but I have 30% invested in them excluding my old final Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-32383522483567164282015-02-15T10:23:01.030+00:002015-02-15T10:23:01.030+00:00Welcome poppy woofie. I've considered that on...Welcome poppy woofie. I've considered that one but I can't get past the expenses. All Share Index TER 0.08% and SDRT 0.2% vs Equity Income TER 0.22% and SDRT 0.4%.<br /><br />The Vanguard trend seems to be that costs are continually coming down as fund size grows. If the Income fund becomes more popular I can see costs coming down which would certainly tempt me.RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-37163094621759200182015-02-15T09:57:02.816+00:002015-02-15T09:57:02.816+00:00Hi RIT - first time poster here. I'm referrin...Hi RIT - first time poster here. I'm referring to the first paragrpah under "UK Equities" above. Have you considered the Vanguard UK Equity Income fund? It mirrors the FTSE all-share quite well (and in fact has done slightly better.) It yields about 4.0% and pays dividends twice per year. It may suit your requirements better than the similarly-named Vanguard UK Equity fund.Anonymoushttps://www.blogger.com/profile/11985454845870117717noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-29688104699184820342015-02-15T09:04:46.664+00:002015-02-15T09:04:46.664+00:00It appears that I'm a bit slow also :-)It appears that I'm a bit slow also :-)RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-37304213821261746962015-02-14T20:05:47.131+00:002015-02-14T20:05:47.131+00:00No, not at all, I'm just teasing. Bread "...No, not at all, I'm just teasing. Bread "rises" you see, when you make it.deariemenoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-90235604004132336022015-02-14T10:25:07.011+00:002015-02-14T10:25:07.011+00:00Hi Anon
Ric's already jumped in here. I go st...Hi Anon<br />Ric's already jumped in here. I go straight to the horses mouth www.vanguard.co.uk<br />Cheers<br />RITRetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-6901811963991587322015-02-14T10:23:34.366+00:002015-02-14T10:23:34.366+00:00Hi Anon
Back in 2007 immediately after reading Ti...Hi Anon<br /><br />Back in 2007 immediately after reading Tim Hale's excellent book I sat down and worked out what salary I would require to Retire Early. Since then on my birthday each year I have increased that by the rate of inflation and modified it based on my spending learnings. So that's the Target Salary I am chasing.<br /><br />I also calculate my wealth weekly and I've RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-75015628700308005472015-02-14T10:15:29.341+00:002015-02-14T10:15:29.341+00:00Hi dearieme
As a regular reader you'll know En...Hi dearieme<br />As a regular reader you'll know English is not one of my stronger points. Give me an Excel spreadsheet and I'm away but ask me to write something... Have I inadvertently said something offensive?<br />Cheers<br />RITRetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-70521754898839037842015-02-14T10:13:59.206+00:002015-02-14T10:13:59.206+00:00Hi Dave
There are quite a few investment classes t...Hi Dave<br />There are quite a few investment classes that I don't carry (I also don't have any Investment Trusts or PIBS to name another two) but of course I'm always looking to improve my portfolio. It's one of the reasons I started this site - to learn from others What percentage allocation do you carry in retail bonds and which ones?<br />Cheers<br />RITRetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-25274751945623857442015-02-14T10:10:24.726+00:002015-02-14T10:10:24.726+00:00Good point Simon. I've updated the post. The...Good point Simon. I've updated the post. The TER remains at 0.0% but of course there are buy costs (dealing fees as you mention + 0.5% stamp duty) and sell costs (dealing fees) should I choose to tinker.RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-54822819208996987132015-02-11T14:55:05.067+00:002015-02-11T14:55:05.067+00:00For Vanguard I feel there is only one site you can...For Vanguard I feel there is only one site you can trust:<br />https://www.vanguard.co.uk/adviser/adv/investments/etf<br />There are similar sites for other providers. Ricnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-69556442723468344692015-02-11T13:17:38.801+00:002015-02-11T13:17:38.801+00:00Hello
I enjoyed reading this and other articles on...Hello<br />I enjoyed reading this and other articles on your site. Very educational. I am trying to find out more about the Vanguard funds/ETFs you mention, specifically Yield % and TER%. (I assume one less the other = 'net' yield)<br /><br />Can you recommend a good source to look at to find this out (have looked at various sites and am getting confused). <br /><br />Thank you.<br /><brAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-23227626326473996202015-02-11T10:27:12.128+00:002015-02-11T10:27:12.128+00:00How do you measure your % towards FI?
You've g...How do you measure your % towards FI?<br />You've gone from 15% to 80% in 7 years. Which is a great achievement.<br />Do you see it as a fraction of the income you require to live in that you receive in dividends? I.e. you need £20k to live on a year and you now get £16k in dividends?<br />Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-26952646140445393362015-02-10T21:28:15.896+00:002015-02-10T21:28:15.896+00:00"It’s a portfolio of thorough breads and mong..."It’s a portfolio of thorough breads and mongrels." Are you taking a rise out of us? deariemenoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-8060190291991074282015-02-10T16:56:16.477+00:002015-02-10T16:56:16.477+00:00Why do you not have any retail bonds in your portf...Why do you not have any retail bonds in your portfolio? You can buy them at issue with no charges, there are no ongoing charges and dividends are free of tax in an ISA or pension. (Unlike shares) <br />I find this website useful :-<br />http://www.fixedincomeinvestor.co.uk/<br />DaveAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-15290981526650268722015-02-09T13:15:18.567+00:002015-02-09T13:15:18.567+00:00Hi -
Is it stricly true to claim that the HYP &qu...Hi -<br /><br />Is it stricly true to claim that the HYP "has a TER of 0.0%"? With individual shares I'd expect there to be dealing fees at least, which it seems disingenuous to disregard.Simonnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-1990119319785019802015-02-08T16:12:23.128+00:002015-02-08T16:12:23.128+00:00Hi stringvest
Apologies if I wasn't clear in ...Hi stringvest<br /><br />Apologies if I wasn't clear in the post. My HYP is very much part of my Low Charge Portfolio which is 100% of my total wealth. It forms part of the 21.8% currently allocated to UK Equities.<br /><br />My better half has a similar asset allocation methodology and is also a Higher Rate taxpayer like myself. The difference is that they have zero interest in personal RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-91479990323422532772015-02-08T15:51:32.455+00:002015-02-08T15:51:32.455+00:00Why do you regard your " low charge " an...Why do you regard your " low charge " and " high yield " portfolios as separate ? Do they not make up part of your overrall investment portfolio ? I am not asking you to disclose any further personal info ( as you are already very generous with that ) but should your wife's investment portfolio not be taken into account as well ? By looking at the FULL picture asset stringvestnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-82755464529048189032015-02-08T12:10:55.383+00:002015-02-08T12:10:55.383+00:00Thanks for sharing more detail. Your example demo...Thanks for sharing more detail. Your example demonstrates nicely how it can get out of hand. Nicely demonstrates how many mouths you were feeding - CIS as a company, the active fund manager, the Coop as a company and then the salesman. I'm surprised there was any left for you...<br /><br />I'm with you and am also very glad I went DIY. Even with the odd mistake, which this post only RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-64500223702348209882015-02-08T11:35:03.938+00:002015-02-08T11:35:03.938+00:00When we were younger my husband and I used the Coo...When we were younger my husband and I used the Coop for all our financial requirements and several years ago we were each sold a S&S ISA containing CIS funds by the advisor/salesman who visited on a regular basis. We continued to pay in regular amounts for several years but without understanding what we were doing (I honestly thought they were just some kind of saving accounts.) A couple of Cerridwenhttps://www.blogger.com/profile/09113285657493048091noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-25872310230723363932015-02-08T10:52:14.291+00:002015-02-08T10:52:14.291+00:00Hi Anon
Are you thinking along the lines of a Wil...Hi Anon<br /><br />Are you thinking along the lines of a Wilshire 5000 Total Market Index fund or similar? If yes, do you know of an inexpensive tracker that tracks this index? I'd be interested to compare the performance to the S&P500.<br /><br />My larger weighting to the UK is a home bias as you say. I do however have to consider in due course whether this is still correct should I RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-83162962756245003402015-02-08T10:45:43.199+00:002015-02-08T10:45:43.199+00:00Hi Huw
Diversification across different asset cla...Hi Huw<br /><br />Diversification across different asset classes was a critical element for me from day 1. This is because in theory there should be no free lunch - a higher return should carry higher risk. The only exception that I have found to this is around diversification which relies on differing correlations between different asset classes to maybe give you at least a free bite from a RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-57949777433830727302015-02-08T10:20:43.596+00:002015-02-08T10:20:43.596+00:00Hi Cerridwen
Thanks for sharing as I had never he...Hi Cerridwen<br /><br />Thanks for sharing as I had never heard of Royal London before. I've just had a quick look at their website and their ongoing charges look eye wateringly expensive generally. If you don't mind sharing how did you get involved with them?<br /><br />Minimising investment expenses are a key element within the Investing Wisely portion of my approach. If history RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-10019236442763426752015-02-08T10:01:55.984+00:002015-02-08T10:01:55.984+00:00Hi,
As ever, great post.
Why do you invest in th...Hi,<br /><br />As ever, great post.<br /><br />Why do you invest in the S&P 500 rather than a whole of US market fund? <br /><br />Why do you invest so much in the UK? 47% of your portfolio is either Gilts or UK equities. This is considerably higher than their contribution to total worldwide assets. Is this just home bias? Or is there a reason why you focus on the UK?Anonymousnoreply@blogger.com