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Type: Posts; User: Montello

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    Ordered up some custom straps.

    I’ll punch a single hole and I hope that will be it.

    https://i.postimg.cc/1R7vhLMT/IMG-1795.jpg
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    Thanks for that recommendation, useful, bit...

    Thanks for that recommendation, useful, bit basic and limited to 6 funds which is just enough for my needs.

    I believe Vanguard will be rolling out an app this year ... bit strange they don't have...
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    Ah ... if you know please advise as that is the...

    Ah ... if you know please advise as that is the big question ... usually not the sector that has just enjoyed a big melt up ...

    The bottom line is no one knows so the best you can do is diversify...
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    Aye, because 47% of global markets are the USA as...

    Aye, because 47% of global markets are the USA as shown in the above graphic, I think the more important thing to know is what markets are excluded from some “global” funds. E.g India and China.
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    That fund is 58% in the USA. Top holdings the...

    That fund is 58% in the USA. Top holdings the magnificent 7 so has benefitted from the tech boom in the last year.
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    With that bigger gap to the benchmark it can’t be...

    With that bigger gap to the benchmark it can’t be trying to track the benchmark as tracking error is usually small. Not 6% different…
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    Well done for taking a look, that must be some...

    Well done for taking a look, that must be some sort of global active fund, that seems to be underperforming the index / benchmark.
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    Agreed, why do they do that? All seems a bit...

    Agreed, why do they do that? All seems a bit pointless.

    I got a valuation for one of my wife’s rings which was double what I paid and there was one in the window at that price.
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    Glad you found it of interest, I do think the...

    Glad you found it of interest, I do think the industry could do more to make investment easier.
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    Ah, right … that’s what I do to …

    I guess my point was that many “global” funds have zero emerging markets coverage which means no India or China, and others.
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    Indeed but that isn’t the MSCI World Index. ...

    Indeed but that isn’t the MSCI World Index.

    Do you hold a fund that tracks MSCI ACWI? It likely gives less than 2% India exposure.
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    What global tracker do you hold that includes...

    What global tracker do you hold that includes India?

    I think many buy a global tracker without really understanding what is under the bonnet. In some ways the titles are misleading.
  13. Thread: BTL question

    by Montello
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    Exit isn’t easy but at some point tax has to be paid. I don’t think any investment has ever given me a buzz …

    BTL don’t add up at present in my area and I’m not interested in buying in an area I...
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    If you think India will surge in the next 20...

    If you think India will surge in the next 20 years and you hold a MSCI World Tracker you will miss out on any gain for the reasons explained above.
  15. Thread: BTL question

    by Montello
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    Cash is THE biggest risk, guaranteed to reduce...

    Cash is THE biggest risk, guaranteed to reduce your wealth in the long term ...
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    Some interesting comments here, the key is not to...

    Some interesting comments here, the key is not to be lazy and do a bit of research. There is loads of info on YT and elsewhere.

    Below is not advice just sharing my own observations. I'm not and...
  17. Thread: BTL question

    by Montello
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    Managing a BTL isn't the loose casual arrangement...

    Managing a BTL isn't the loose casual arrangement it was 20 years ago, now you have to keep up to date with all sorts of stuff ... Like I said above, it's like running a small business, the returns...
  18. Thread: BTL question

    by Montello
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    It maybe worth her considering taking out a rent...

    It maybe worth her considering taking out a rent insurance policy with legal cover. That way if the tenant doesn't pay the insurance company cover her rent and deal with the legals, obviously they...
  19. Thread: BTL question

    by Montello
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    Having a BTL is like having a part time business....

    Having a BTL is like having a part time business. Yes it can be managed via a good agent but I’ve never found one that doesn’t need management.
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    Still not seeing it …🤔
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    Call into A&E for a look …

    Call into A&E for a look …
  22. Thread: BTL question

    by Montello
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    I wouldn’t enter BTL now. It’s just to politically unpopular.

    I just put the money into a range of index trackers in your SIPP.
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    No, I wouldn’t mind if the Mark XX didn’t have a date window. I’d probably prefer it. Although I think the date may be more useful once I’m full retired.
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    I have invested for my nephews and nieces in my...

    I have invested for my nephews and nieces in my isa in an MSCI world tracker. So far it’s done great because of the magnificent 7 but I suspect it will slow a bit but in 10 years or so from now...
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    No they haven’t unless you have a strange...

    No they haven’t unless you have a strange definition of plenty.

    Premium bonds are a very poor thing to do with capital long term.

    Sure if you have cash you may want in the short term and want...
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