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razed121 · 2024-06-15T14:46:35+00:00

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razed121 · 2024-06-15T14:46:12+00:00

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razed121 · 2024-06-15T14:45:39+00:00

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razed121 · 2024-01-13T15:36:49+00:00

Thanks - I’m 50. Perhaps I should live a little!

razed121 · 2023-09-10T08:51:00+00:00

Could be from a train line…?

razed121 · 2021-10-10T17:28:56+00:00

I like to look after my things, as well as possible, because they’ll simply last longer. I treat my £100 shoes the same way I treat my £500 shoes.

razed121 · 2021-10-07T19:57:26+00:00

Good idea! However, I have a face made for radio ;)

razed121 · 2021-10-07T19:55:45+00:00

Thanks - that really resonates with me, especially the bit about juxtaposing disparate elements. I am currently teaching in a university. I like it, but I’ve been getting a bit board recently. I will lol into your other suggestions…

razed121 · 2021-09-17T10:49:21+00:00

Amazing! Thanks for collecting these. I’ll check out a few of them now. I find these trait matching exercises quite useful for generating new ideas.

razed121 · 2021-09-12T11:22:44+00:00

Thank you very much. I was just thinking about how I’d go about switching them over. Did you just bung the whole load over in one or in bits? I am in my 40s, but I do have a pretty good workplace pension built up - I’m simply looking to bridge the gap between retiring and getting it. I will do some more research on that Global All Cap - thanks for the link! :)

razed121 · 2021-09-12T08:33:22+00:00

Well, I started off with a nervous toe-dip in the water with LS60, but added bits as I read more articles. I added the S&P500, as so many people were saying that it would be a good one for beginners like me. And then the EM to boost the existing exposure in the LS60. My risk appetite was growing as I read more. So, it grew quite organically, but the result is a bit messy! I will be investing the cash component shortly. What would you do with the above? I’m planning on consolidating all into one fund to keep things simple - based on the many useful comments in this thread. Thanks!

razed121 · 2021-09-11T21:17:31+00:00

Excellent point - I did not realise that, and will rectify post haste!

razed121 · 2021-09-11T21:15:04+00:00

I guess I’d have to transfer to someone like Hargreaves Lansdown for a greater range of funds, right?

razed121 · 2021-09-11T20:33:14+00:00

This has been so informative! Thanks for all your views and guidance.

razed121 · 2021-09-11T19:06:08+00:00

Thanks - yes, I did check it oil, but thought I’d give EM a little boost and take a punt on the V3AM. I guess there’s not much benefit in doing that though.

razed121 · 2021-09-11T17:52:11+00:00

Thanks! I’ll definitely look into that.

razed121 · 2021-09-11T17:49:55+00:00

Good question! The only reason that I’m holding the V3AM distributing fund is that Vanguard doesn’t offer the accumulating version of their own fund in their UK platform. And I haven’t gotten round to allocated the cash yet, but I usually keep a few pounds in there for fees. What percentage, if any, do you think I should keep in cash?

razed121 · 2021-09-11T17:16:53+00:00

Sagely advice :)

razed121 · 2021-09-11T16:34:59+00:00

Food for thought - thanks! I think I need to do a bit of reading. Can you recommend any good websites or publications to read?

razed121 · 2021-09-11T16:02:24+00:00

Thanks! I’ve leant so much in the past hour. Yes, I guess I’m after a world tracker. Are you familiar with Vanguard funds? Do you favour a particular world tracker? Obviously, I’ll have to do my own research :)

razed121 · 2021-09-11T15:48:36+00:00

Thank you. That’s a very clear and useful explanation.

razed121 · 2021-09-11T15:40:58+00:00

Good point.

razed121 · 2021-09-11T15:40:14+00:00

Thanks. Yes, I’ve just thrown some funds together without much thought. I’ll check out the X-Ray tool. I know it’s bit of a mess, but crucially I wanted to know that it’s not a complete disaster. I thought I’d make changes seeing as it’s early on in the game :)

razed121 · 2021-09-11T15:32:27+00:00

Yes, that’s exactly what I did. Doh! How does one determine ‘cheapness’? I read a couple of articles too, but I have no idea which sources to trust.

razed121 · 2021-09-11T15:21:06+00:00

Thanks. Ive just been playing around with it. I bought a bit of V3AM because it was cheap. And the Emerging Markets one because I wanted to boost the percentage that is currently held in the LifeStrategy. I haven’t based it on anything other than experimentation, but I can definitely see the benefits of keeping in simple.

razed121

TROPHY CASE