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Ian

Site Administrator

Registered: 28th Aug 99
Location: Liverpool
User status: Online

19th Jul 11 at 23:11

Here's some advice, don't buy a Standard Life Global Index Linked Bond

BluKoo

Member

Registered: 8th Apr 02
Location: Stonehaven (Scotland)
User status: Offline

19th Jul 11 at 23:14

quote:
Originally posted by Rob B

quote:
Originally posted by BluKoo

I gave just under £100k to Avalon Investment.

Currently got "Stocks & Shares ISA, Freedom ISA" (whatever that actually means).

It doesn't appear to be making huge gains, but I guess things have been a little unstable for a while...

£ Corporate Bond
M&G Strategic Corporate Bond A +0.20%

£ Strategic Bond
Invesco Perpetual Monthly Income Pluss (Acc) +0.56%

Absolute Return
Standard Life Global Abs Ret Strategy R Acc +2.27%

Asia Pacific ex Japan
First State Asia Pacific A (Acc) +37.80%

European Smaller Companies
Threadneedle European smaller Companies 1 (Acc) +92.26%

Global Bonds
Standard Life Global Index Linked Bond R Acc -1.29%

figures at the end i.e +92% meaning a 92% return on your investment?

This seems the way to go for sure! I know you won't always see that but they seem to know what they're doing!

Yeah, I think thats what it means. ALthough I've never had it all explained to me properly.
Typically though the +37.8% was only on an initial investment of £2284.88 and the +92.26 was on a £1,156 investment.

The +0.20% and +0.50% hikes were on £8k+ investments. Typical...

quote:
Originally posted by Ian
Here's some advice, don't buy a Standard Life Global Index Linked Bond

Indeed. That was just under £8k in that one too.

[Edited on 19-07-2011 by BluKoo]

Rob B

Member

Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
User status: Offline

19th Jul 11 at 23:19

interesting, it seems best looking at that to let the experts do the work. Did you request low risk investments?

There's a few financial advisers near me who offer free first consultations, although none really specify investments more pensions, retirement planning etc.

Although maybe i could hit two birds with one stone as i need to see one about a business setup too.

BluKoo

Member

Registered: 8th Apr 02
Location: Stonehaven (Scotland)
User status: Offline

19th Jul 11 at 23:21

They sent me a questionnaire to determine how much of a risk taker I was and they would base the investments on that.

The score was between 1 and 100.
100 being a high risk taker.
I scored 50, so i'm slap bang in the middle.

Ian

Site Administrator

Registered: 28th Aug 99
Location: Liverpool
User status: Online

19th Jul 11 at 23:21

I would guess low risk in 12 months you will only be talking about 5-6%.

Surely you can do more with it than that?

Safe ISA is just so.... safe?

Rob B

Member

Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
User status: Offline

19th Jul 11 at 23:24

Yeah, i bet the big returns you made bluKoo were the high risk ones which is why the put a small amount in there.

I'd be happy to take a punt with 10k of it on something high risk i reckon but would like justification on why they believe there is a possible big return.

BluKoo

Member

Registered: 8th Apr 02
Location: Stonehaven (Scotland)
User status: Offline

19th Jul 11 at 23:27

I just worked out that on those valuations I listed alone I made £2000.33 in 4 months.

[Edited on 19-07-2011 by BluKoo]

Rob B

Member

Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
User status: Offline

19th Jul 11 at 23:29

How do Avalon take their cut of things and was there a specified period you had to invest for before the money can be withdrawn?

BluKoo

Member

Registered: 8th Apr 02
Location: Stonehaven (Scotland)
User status: Offline

19th Jul 11 at 23:35

They take a cut based on the total value of the portfolio at the end of the 4 month period (they seem to issue statements every 4 months).

Unless i'm missing something, it would appear that they've only charged £96.24 for the last 4 months on a portfolio worth £105,742.

I have a funny feeling I might be reading that wrong though as that seems quite low.

[Edited on 19-07-2011 by BluKoo]

Hammer

Member

Registered: 11th Feb 04
User status: Offline

20th Jul 11 at 00:08

I think you should maybe research what's happening to your money mate

[Edited on 20-07-2011 by Hammer]

Paul_J

Member

Registered: 6th Jun 02
Location: London
User status: Offline

20th Jul 11 at 08:29

I thought you said in a different thread you had £250k invested BluKoo?

adiohead

Member

Registered: 28th Sep 01
User status: Offline

20th Jul 11 at 08:34

quote:
Originally posted by Paul_J
I thought you said in a different thread you had £250k invested BluKoo?

Blukoo is a billionairess

http://www.telegraph.co.uk/news/worldnews/europe/italy/8478004/Billionairess-gave-6m-to-conman-gigolo-out-of-love.html

Rob_Quads

Member

Registered: 29th Mar 01
Location: southampton
User status: Offline

20th Jul 11 at 08:40

I'd put a chunk of it into Apple shares.

noshua

Member

Registered: 19th Nov 08
User status: Offline

20th Jul 11 at 08:44

quote:
Originally posted by BluKoo
I gave just under £100k to Avalon Investment.

James

Member

Registered: 1st Jun 02
Location: Surrey
User status: Offline

20th Jul 11 at 08:47

quote:
Originally posted by BluKoo

I gave just under £100k to Avalon Investment.

Currently got "Stocks & Shares ISA, Freedom ISA" (whatever that actually means).

£100k in an ISA, you know that's not possible unless it was done over 10+ years?

Paul_J

Member

Registered: 6th Jun 02
Location: London
User status: Offline

20th Jul 11 at 08:48

Right now is just a risky time full stop.

Banks are offering v.low interest - I think the combination I'm getting is only around 3.25%

Then the global economy is all over the place and balancing on the edge of another recession.

- Eurozone is struggling (Italy, Greece, Ireland, Spain etc)
- The US hit it's debt ceiling in May and if it doesn't raise it, will default in August.
- UK Property prices have barely risen (and some places dropped) since the recession
- A .com bubble is growing in Silicon Valley in the US and has been sucking up investment, but could pop at any point

Ultimately it's risky ground and if you do nothing and the pound ever decides to completely die, we'll be left with currency inflation so high that our money will be worthless.

This is why the price of gold has risen a lot recently, the uncertainty in the global markets has forced people to move their money into a global asset like gold - that said the price has seriously rallied due to this and is at a record high per ounce as a result.

Honestly, this was the best hedge / investment I've read about for a while:
http://consumerist.com/2011/01/you-can-now-open-a-chinese-bank-account-and-invest-directly-in-yuan.html

- Essentially invest up to $20,000 into Chinese currency as a hedge against your western stocks. The chinese currency doesn't float like the USD or GBP, it's fixed by their government and is set lower than it should be (to increase trading) - when they eventually re value their currency, then it will go up immediately by a fair way - but also covers against western economies dropping further and the Chinese economy continuing to rise.

spencer88

Member

Registered: 6th Oct 08
Location: cornwall
User status: Offline

20th Jul 11 at 08:49

Dunno about anyone else, but I would not be telling people how much money I have invested and where.

James

Member

Registered: 1st Jun 02
Location: Surrey
User status: Offline

20th Jul 11 at 08:51

quote:
Originally posted by Paul_J
Right now is just a risky time full stop.

Banks are offering v.low interest - I think the combination I'm getting is only around 3.25%

Then the global economy is all over the place and balancing on the edge of another recession.

- Eurozone is struggling (Italy, Greece, Ireland, Spain etc)
- The US hit it's debt ceiling in May and if it doesn't raise it, will default in August.
- UK Property prices have barely risen (and some places dropped) since the recession
- A .com bubble is growing in Silicon Valley in the US and has been sucking up investment, but could pop at any point

Ultimately it's risky ground and if you do nothing and the pound ever decides to completely die, we'll be left with currency inflation so high that our money will be worthless.

This is why the price of gold has risen a lot recently, the uncertainty in the global markets has forced people to move their money into a global asset like gold - that said the price has seriously rallied due to this and is at a record high per ounce as a result.

Honestly, this was the best hedge / investment I've read about for a while:
http://consumerist.com/2011/01/you-can-now-open-a-chinese-bank-account-and-invest-directly-in-yuan.html

- Essentially invest up to $20,000 into Chinese currency as a hedge against your western stocks. The chinese currency doesn't float like the USD or GBP, it's fixed by their government and is set lower than it should be (to increase trading) - when they eventually re value their currency, then it will go up immediately by a fair way - but also covers against western economies dropping further and the Chinese economy continuing to rise.

Thanks Warren Buffet

3CorsaMeal

Member

Registered: 11th Apr 02
User status: Offline

20th Jul 11 at 08:54

drugs or property

Twiggy

Member

Registered: 15th Oct 04
User status: Offline

20th Jul 11 at 09:09

quote:
Originally posted by Ian
On part worns?

Container of 500 tyres is £800. They go out for £10 - £20 ea.

Do the maths on that. Guy who has the one by my workshop has a 60 plate M3 convert.

And everyone i have been to is cash only

Jamie Walby

Member

Registered: 15th Nov 04
User status: Offline

20th Jul 11 at 09:15

Id put it all on red.

Fro

Member

Registered: 20th Jun 06
Location: Rainham, Essex Drives: A3 2.0TDi Sport
User status: Offline

20th Jul 11 at 09:15

Gamble it.

Fro

Member

Registered: 20th Jun 06
Location: Rainham, Essex Drives: A3 2.0TDi Sport
User status: Offline

20th Jul 11 at 09:15

love you Jamie

Russ

Member

Registered: 14th Mar 04
Location: Armchair
User status: Offline

20th Jul 11 at 09:16

buy shares in apple before iPhone 5 and iPad 3 launch..

Russ

Member

Registered: 14th Mar 04
Location: Armchair
User status: Offline

20th Jul 11 at 09:20

or buy gold...

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