Intelligent Money - your investment questions answered

[JulianPH]

samdale said:

Changed my mind on Silverstone, Spa sounds great. Responded to email accordingly

PH convoy?

Can we have CBs?! Can we?! I want to be Bandit, Nik can be Smokey!

[samdale]

JulianPH said:

Can we have CBs?! Can we?! I want to be Bandit, Nik can be Smokey!

You jest, but my pair of radios is already packed in the road trip car. Channel 5

[JulianPH]

samdale said:

JulianPH said:

Can we have CBs?! Can we?! I want to be Bandit, Nik can be Smokey!

You jest, but my pair of radios is already packed in the road trip car. Channel 5

YES!!!

[Gallons Per Mile]

JulianPH said:

No need, I'll sort it. Enjoy!

You're a star!

samdale said:

You jest, but my pair of radios is already packed in the road trip car. Channel 5

Let us know which make etc so we can get the same ones! This could be an excellent adventure

[superlightr]

Hi Julian

Having trouble accessing my dashboard/account info since Friday - its not recognising my log in and I cant reset, - my customer no is not recognised - maybe to do with adding the ISA. Nik has passed it onto the tech guys but not heard when it will be fixed.

thx
James

[JulianPH]

superlightr said:

Hi Julian

Having trouble accessing my dashboard/account info since Friday - its not recognising my log in and I cant reset, - my customer no is not recognised - maybe to do with adding the ISA. Nik has passed it onto the tech guys but not heard when it will be fixed.

thx
James

Hi James

I have no issues with mine so am not sure why you are experiencing this.

Nik is in the office today and I'll raise this too. Hopefully resolved and explained very shortly.

Cheers

Julian

[JulianPH]

JulianPH said:

superlightr said:

Hi Julian

Having trouble accessing my dashboard/account info since Friday - its not recognising my log in and I cant reset, - my customer no is not recognised - maybe to do with adding the ISA. Nik has passed it onto the tech guys but not heard when it will be fixed.

thx
James

Hi James

I have no issues with mine so am not sure why you are experiencing this.

Nik is in the office today and I'll raise this too. Hopefully resolved and explained very shortly.

Cheers

Julian

Hi James

I've spoken with our head of tech and whilst we don't know why you are having this issue your account has now been reset.

You will need to click the "First Time Login" option and enter a user name and password (these can be identical to the ones you have been currently using, so you don't need to change these) and then it will take you straight back to your normal dashboard.

Before anyone questions the security aspect of using the same user name and password after reset, these are both encrypted and even we don't know these (and hence can't reset them for you ourselves). This is to ensure in the unlikely event our systems were compromised that your access data (for withdrawals/transfers/etc.) can never be accessed.

Sorry you experienced this problem, but I trust 20 minutes to fix it gives some reassurance.

Cheers

Julian

[superlightr]

All done and working. Thank you.

[JulianPH]

superlightr said:

All done and working. Thank you.

Good to hear!

It appears you hit something that wiped out your details/credentials and, rather than leaving them open our system automatically shut you out. We are re-coding now so this action gives an additional warning box that needs clicking to proceed.

So it is our fault for not understanding this implication earlier.

Julian

[superlightr]

JulianPH said:

superlightr said:

All done and working. Thank you.

Good to hear!

It appears you hit something that wiped out your details/credentials and, rather than leaving them open our system automatically shut you out. We are re-coding now so this action gives an additional warning box that needs clicking to proceed.

So it is our fault for not understanding this implication earlier.

Julian

you are welcome for the idiot proof testing....... Doh...

Ill let you know when I test some more........

[JulianPH]

superlightr said:

you are welcome for the idiot proof testing....... Doh...

Ill let you know when I test some more........

You do yourself a discredit, we have Pav (SpaceJockey) as our internal idiot tester!

Hello Pav!

Edited by JulianPH on Wednesday 29th January 17:19

[Swern1]

I’m looking to open an stocks and shares LISA for both of the children

Do you have any recommendations.

Thanks

[JulianPH]

Swern1 said:

I’m looking to open an stocks and shares LISA for both of the children

Do you have any recommendations.

Thanks

Hi Swern1

That is an excellent idea and something I do for my own daughter.

Depending upon their ages then you are likely going to be looking for medium to long term growth so you might want to consider investments such as IM Optimum Global Growth, IM Index 100, IM Index 80 and PH Equity.

Equally, however, if the time frames or shorter or you prefer to take a lower level of risk/reward then we have a range of portfolios that can do just this for you.

We can't advise you on which one is best for your needs, but we can go over all of the options with you so that you can make your own informed decisions.

Have a chat with Nik ([e-mail]) and he can talk you through this.

Cheers

Julian

PS - Sorry, I read this back before posting it and saw you said LISA (I had read this as JISA). We don't offer this at the moment so you might be best to look at something like Vanguard LifeStrategy which is similar to IM Index (though has not performed as well) through AJ Bell (who offer a LISA at a lower cost than HL).

[JulianPH]

Intelligent Money British GT update

I believe we are almost there with attendees and I am shortly going to post the PH user names of everyone at each weekend (you all got your venue of choice by the way! ).

The problem is that many of you are only known to Nik by your real names, so could I ask that everyone who has requested tickets sends me a PM with your real names so we can cross check and include you in the list here.

Obviously if you know me off site I will already know who you are!

Cheers

Julian

[JulianPH]

Kingdom35 & Jasey

You don't seem to accept PMs so please contact me if you would like tickets!

[JulianPH]

Thanks for your emails/PMs.

For those who would like to attend who are not Private Clients we have ring-fenced Snetterton for you on a first come first served basis.

Just get in touch with me if you are interested.

Cheers

Julian

[JulianPH]

Jasey_ said:

JulianPH said:

Kingdom35 & Jasey

You don't seem to accept PMs so please contact me if you would like tickets!

Hey Julian

Thanks for the kind offer - maybe next year - not really sure a what I'm doing next week never mind later in the year !!

Besides by next year I'll almost certainly be a private client .

You enjoying the Rugby ? Slightly easier watch than your last game .

No Lego required today!

Don't mention the last one though!

Your call, thanks for getting back to me and if you change your mind just let me know.

Good luck for tomorrow (you won't need it though!) and I will be shouting you/us on!

When Wales are not playing I fully support England in every match (as you know).

[ElectricSoup]

Hi JulianPH, reposting from the other thread as per your polite request:

"I'm hoping to cash in all my assets in 10 years (i.e. my properties) and go and live in a cheaper country abroad (Slovenia in my case for various reasons), releasing the majority of my cash to put in to whatever will bring me passive income, enough to live a modest life without working, until pensions kick in 7 years later. Hoping this will be in the order of £700-800k after buying a house to live in abroad, and one as a base in the UK.

I have absolutely zero knowledge of investing money. Zero. I am actually a bit phobic about money and managing it - the sort who comes out in hives opening a bank statement.

What are these "liquid assets" you speak of? Can you name a couple of examples please to get me going? I need to start looking in to things, learning and planning."

Cheers!

[Bobajobbob]

I'm also a refugee from the Portugal thread and am very glad you pointed us over here as what I've read here is extremely interesting and helpful.

When you have answered the question above I wondered how your fees compare to some of the other companies in this space. I currently use Brewin, having effectively inherited a relationship, and am aware of Rathbones and a few others however, even post Mifid2, their fees have never been crystal clear to me.

I guess I am asking if you were to pitch me on why I should move my portfolio from active management at Brewin what would be the basis of that pitch? Am I what is considered in the industry to be the "dumb money" paying crazy fees to basically track the market and recieve glossy brochures?

Thank you.

[JulianPH]

ElectricSoup said:

Hi JulianPH, reposting from the other thread as per your polite request:

"I'm hoping to cash in all my assets in 10 years (i.e. my properties) and go and live in a cheaper country abroad (Slovenia in my case for various reasons), releasing the majority of my cash to put in to whatever will bring me passive income, enough to live a modest life without working, until pensions kick in 7 years later. Hoping this will be in the order of £700-800k after buying a house to live in abroad, and one as a base in the UK.

I have absolutely zero knowledge of investing money. Zero. I am actually a bit phobic about money and managing it - the sort who comes out in hives opening a bank statement.

What are these "liquid assets" you speak of? Can you name a couple of examples please to get me going? I need to start looking in to things, learning and planning."

Cheers!

Hi mate.

I thought that thread was going to turn into an absolute car crash, but it actually ended up being interesting!

I was referring to mega-cap shares and index tracker funds that have daily liquidity and so can always be accessed as required.

I know your plans are far into the future, but understanding this now may prove very helpful in your planning.

We offer three different approaches to this:

• IM Optimum - these are managed portfolios of index trackers that simply track global markets with weighting we consider to the the optimum balance to achieve the individual aims of each portfolio. We have access to every asset class available and each portfolio will hold them differently (or not at all) and can change and adapt these as the world around us changes.

• IM Index - These are portfolios of index trackers that track global stock markets based upon their market capitalisation (so the US has the highest exposure as it is the world's largest stock market, and so on). You have the option to select different elements of UK index linked gilts (loan notes issued and guaranteed by the UK government). This gives you the option to diversify, but does not necessarily offer the same risk/reward reduction that the managed IM Optimum portfolios offer. Put simply, in rising market they will do very well, but in falling markets they leave you more open.

• PH Equity - This is a portfolios of 10 buy and hold global giants, companies everyone knows and uses. The top 5 holdings include consumer staples (Colgate Palmolive and Unilever), together with price reducing tech companies (such as Amazon and Netflix) and drinks giant Diageo (which owns many of the most famous drinks brands in the world). Whilst being a "buy and hold" strategy, like IM Optimum it is fully managed.

That may be a bit of a mouthful to start things off, but basically it is a quick overview on which we can add clarity and build on. Have a look at our website (www.intelligentmoney.com) and click on "Private Clients".

Alternatively have a chat with Nik, who is excellent at putting complex matters into plain English ([e-mail]). There is no charge for this.

I hope that was helpful, but just shout if you would like me to start at a more basic level and I will be happy to help.

Cheers

Julian