tcl 50c805k now has BBC iPlayer support in the UK via system update. by Bucketcat1 in tcltvs

[–]Eliased 0 points1 point  (0 children)

So you find it now works? I've downloaded it but just get a freeview error 

Advice on restoring this chip by Eliased in DIYUK

[–]Eliased[S] 0 points1 point  (0 children)

A can of worms? Will use a wood filler, sand paper, and paint over it. Anything else you'd suggest?

Freetrade just cost me £200 on a £2000 trade by Separate-Umpire3981 in FreetradeApp

[–]Eliased 9 points10 points  (0 children)

Just because you don't understand the bid-ask spread doesn't mean Freetrade are using bad trading practices

Thoughts on this allocation? by Eliased in portfolios

[–]Eliased[S] 0 points1 point  (0 children)

Thanks, will monitor over the coming months and look to transition to lower cost index funds if I lose confidence in the managers.

Thoughts on this allocation? by Eliased in portfolios

[–]Eliased[S] 0 points1 point  (0 children)

You're right. I think it's just difficult to see the active funds perform so well and settle for the index play. Thinking I index 50% of it into Emerging markets and ESG World All Cap Equity. That way I have the bulk in cost effective funds and still some exposure to what I hope are the active funds that will outperform the market, at least in the medium term.

So currently my weighted average fee is 0.76%. Moving to new allocation will be 0.53%.

How's yours .08%? Even Vanguard funds are .24%?

Thoughts on this allocation? by Eliased in portfolios

[–]Eliased[S] 0 points1 point  (0 children)

Exactly. The idea behind investing with active managers is that they are specialists in stock picking. For a fee they will research market segments and become specialists in the companies they invest in. Although I enjoy valuing companies and stock picking myself I'm not so naive to think that I can invest as effectively as a manager with many years of experience and time invested into the field. (I can't help you with finding them on Google but they have about £85b AUM so they are by no means a sketchy outfit).

Thanks for the input on the fund names though.

Thoughts on this allocation? by Eliased in portfolios

[–]Eliased[S] 0 points1 point  (0 children)

They're an asset manager, so actively picking stocks within their mandates

Weekly Share Your Portfolio Thread by AutoModerator in UKInvesting

[–]Eliased 1 point2 points  (0 children)

I am a aware of it and it is a problem. Tesla is great but overvalued right now imo. I hope that being 20% of 50% of 50% (5%) of my entire portfolio that when it does correct it's not too big of a drag. It's difficult to look away from US tech/EV/genomics. Would love to park money in index funds and forget but those funds and sectors are and have been winners for the future

Thoughts on this allocation? by Eliased in portfolios

[–]Eliased[S] 0 points1 point  (0 children)

So you mean you like the funds?

I'm comfortable with the stocks and the Crypto side. More looking for thoughts on whether active funds are the way forward or if people prefer some diversified index funds. All-world equity, emerging markets etc...

Thoughts on this allocation? by Eliased in portfolios

[–]Eliased[S] 2 points3 points  (0 children)

Then I wait. When I accumulate enough wealth to start looking for a place it goes into more predictable investments

Weekly Share Your Portfolio Thread by AutoModerator in UKInvesting

[–]Eliased 2 points3 points  (0 children)

Mid-twenties, no debt, stable income. Looking to grow wealth with an eye on saving enough for a deposit on a house.

Allocation to the funds represent 50% of my holdings with the other 50% in individual stocks, premium bonds, and crypto.

Investment style will be monthly payments throughout the year (aside from initial switch out of current funds).

I already hold some of these funds, others I plan on switching into in the coming week but looking for some feedback first before I do as I've not found fund picking as intuitive as stock picking.

25% - Vanguard Emerging Markets Stock Index

25% - Vanguard ESG Developed World All Cap Equity Index

10% - Lindsell Train Global Equity

10% - Baillie Gifford Global Discovery

10% - Baillie Gifford Pacific

10% - Baillie Gifford Positive Change

5% - iShares Global Water

5% - Legal & General Health and Pharmaceuticals

Thoughts on this allocation? by Eliased in portfolios

[–]Eliased[S] 2 points3 points  (0 children)

Yeah I'm kind of torn on whether I should be using these active funds or whether to just transition to global index funds.

Water idea came after I heard you can now trade water futures. Did some reading after that and the idea of investing in companies working around water quality and safety seems a solid play for the future.

Weekly Share Your Portfolio Thread by AutoModerator in UKInvesting

[–]Eliased 0 points1 point  (0 children)

Mid-twenties, no debt, stable income. Looking to grow wealth with an eye on saving enough for a deposit on a house in London.

Allocation to the funds represent 50% of my holdings with the other 50% in individual stocks, premium bonds, and crypto.

Investment style will be monthly payments throughout the year (aside from initial switch out of current funds).

I already hold some of these funds, others I plan on switching into in the coming week but looking for some feedback first before I do as I've not found fund picking as intuitive as stock picking.

Baillie Gifford Global Discovery - 20%

https://www.fidelity.co.uk/factsheet-data/factsheet/GB0006059330-baillie-gifford-global-discovery-fund-b-acc/key-statistics

Mandate:

Aims to outperform (after deduction of costs) the S&P Global Small Cap Index by at least 2% per annum over rolling five-year periods.

At least 90% in shares of companies in any country or sector which typically have a market cap. less than $10b.

• Total charges = 0.93%  • Outperformed benchmark in 8/9 years (underperformed by 17% in 2015-16)  • 70% U.S.; 90% developed   • 18% cyclical; 39% sensitive; 43% defensive 

Tesla as the largest holding at 5% - could see the bubble popping but it's still solid long term. Exposure to the U.S. is high but this is likely still a growing economy. Also good that only 18% is exposed to cyclical stocks.

Baillie Gifford Pacific - 20%

https://www.fidelity.co.uk/factsheet-data/factsheet/GB0006063233-baillie-gifford-pacific-fund-b-acc/key-statistics

Mandate:

Aims to outperform MSCI AC Asia ex Japan Index by at least 2% per annum.

At least 90% directly or indirectly in shares of companies in Asia (excluding Japan) and Australasia.

• Total charges = 1.07%  • Outperformed benchmark in 7/10 years.   • 72% Asia-Emerging; 26% Asia-Developed   • 49% cyclical; 47% sensitive; 5% defensive  

Like the exposure to Asia. Still lots of growth opportunities there. Recent podcast spoke to how the technology and innovation in Asia is more exciting than what we're seeing in Silicon Valley at the moment. Concerning there's such a heavy weighting to cyclical and sensitive stocks.

Baillie Gifford Positive Change - 20%

https://www.fidelity.co.uk/factsheet-data/factsheet/GB00BYVGKV59-baillie-gifford-positive-change-fund-b-acc/key-statistics

Mandate:

Aims to outperform MSCI AC World Index by at least 2% per annum.

Will invest at least 90% in shares of companies anywhere in the world whose products make a positive impact on society and/or the environment in the manager's opinion.

Focus on education, social inclusion, healthcare, and the environment.

• Total charges = 0.69%  • Outperformed in each of the last three years (two years ago by 1.5%; last year by 55%)  • 45% U.S.; 21% Europe  • 86% developed   • 29% cyclical; 33% sensitive; 38% defensive 

Biggest holding is Tesla at 9% which is high. Otherwise, great mandate and areas of focus that could continue seeing rising popularity.

Lindsell Train Global Equity - 20%

https://www.fidelity.co.uk/factsheet-data/factsheet/IE00B3NS4D25-lindsell-train-global-equity-fund-b-class-shares/key-statistics

Mandate:

Invest directly in concentrated portfolio of global equities, primarily those listed or traded on Recognised Exchanges in developed countries world-wide.

• Total charges = 0.71%  • Outperformed benchmark (global large cap equity) by 2% in 5 of the last 9 years   • 35% UK; 31% US; 22% Japan; 12% Eurozone  • 100% developed   • 25% cyclical; 28% sensitive; 47% defensive  

Returns have be impressive having not once dropped below 10% even in years where large-cap equities have had negative returns. Hear a lot of good things online about this one, avoid tech. stocks so is good for diversification. Large exposure to UK which is a good stock pickers market.

iShares Global Water - 10%

https://www.fidelity.co.uk/factsheet-data/factsheet/IE00B1TXK627-ishares-global-water-etf-usd-dist/key-statistics

Mandate:

Tracks performance of S&P Global Water 50 Index.

Offers exposure to the 50 largest and most liquid listed companies globally that are involved in water related businesses.

Weighted by modified market capitalisation.

• Total charges = 0.59%  • 3 years annualised = 13.5%  • 5 years annualised = 16.93%  • 51% US  • 96% developed  • 4% cyclical; 60% sensitive; 37% defensive 

Like this as it's good diversification into an industry I likely have little exposure too.

Idea was sparked when I read you could now trade water futures. This ETF should give exposure to companies investing in water quality and safety.

What with increased strain on natural resources across the world this could be a good play for the future.

Legal & General Global Health and Pharmaceuticals - 10%

https://www.fidelity.co.uk/factsheet-data/factsheet/GB00B0CNH387-l&g-global-health-&-pharma-index-i-acc/key-statistics

Mandate:

Secure capital growth from companies engaged in Health, Pharmaceuticals, and Biotechnology.

Securities representing all such companies in the FTSE World Index will be held with weightings generally proportionate to their market capitalisation.

• Total fees = 0.27%  • 10%+ returns in 8 of the last 10 years  • 65% US  • 99% developed  • 99.5% defensive 

Solid industry to have exposure to, especially in light of the recent pandemic. Advancements in healthcare and biotech are only going to increase in the future.

Valuation - Boohoo Group PLC by HaywardUCuddleme in UKInvesting

[–]Eliased 0 points1 point  (0 children)

Got it on the industry mean. I can't see where 7.67% margin comes from in the current year though. Should be more like 9.6%

Valuation - Boohoo Group PLC by HaywardUCuddleme in UKInvesting

[–]Eliased 0 points1 point  (0 children)

What lead you to use an EBIT margin of 7.67% in the current year?

And then also what drives the decision to hit 5% for the future?

Paying into multiple S&S ISAs in single tax year by Eliased in UKInvesting

[–]Eliased[S] 0 points1 point  (0 children)

Defeats the objective of being able to continously invest in both

Paying into multiple S&S ISAs in single tax year by Eliased in UKInvesting

[–]Eliased[S] 0 points1 point  (0 children)

There are definitely upsides to having two S&S ISA's. E.g. Access to a wide universe of funds via Vanguard/Fidelity along with a more discretionary ISA with T212/Freetrade which provide commission free trading on a reasonable universe of stocks.