Where is your money?

[supercommuter]

Given the Brexit malarky on the horizon, interest rate changes, potential tax rises and the markets at some lofty heights where are your savings right now?

10% AIM Stock Gambles (in SS ISA)
60% Equity Funds (Global, some european excluding UK, some UK, some US focused) in SS ISA
30% Cash ('high' interest saver)

Thinking about moving some cash into a different currency, but not really sure my crystal ball is working.

[mikeiow]

Where is that crystal ball when you want it?

I'd say I have about 20% in cash (prem bonds, ISAs) or gilts/bonds (in pensions), then 60% in equities in pensions, the rest in equities outside of pensions.
Bit of a mish-mash, & I doubt that really helps you visualising where things are going.

My *personal* expectation is that the market will have a correction in the next 18 months....I'd expect perhaps 20%, but really, experts with far more knowledge than me have been predicting that for the past 18 months: if I'd moved my equity to cash back then I would have missed out on a huge growth since then... so perhaps we have reached strong and stable stocks...mmmmm!

[bogie]

Thinking about it today

10% some NASDAQ tech shares in ISA
10% some long term UK FTSE100 shares
65% in a SIPP in various mixed global Vanguard funds
15% in premium bonds - I use NS&I like a medium term cash savings account as can get 48 hour access and theres always the chance of a win

[Cheib]

U'd include property as an asset where you hold money too.

[designforlife]

In an appreciating imported car.

Assuming the cost of jap car imports spikes again after brexit, I should be even more quids in.

[supercommuter]

Cheib said:

U'd include property as an asset where you hold money too.

I was thinking how to include property, but struggled so gave up..

I own 50 percent of my house. Rest mortgaged at 1.5 percent

[anonymous-user]

supercommuter said:

I was thinking how to include property, but struggled so gave up..

I own 50 percent of my house. Rest mortgaged at 1.5 percent

A home isn’t really applicable in scenarios like this. Investment property is different.

[designforlife]

are premium bonds worth it these days? I have a tenner in an account that was opened for me in 1985, but it's only ever won once i think....actually forgot about it but i think the certificate is at home somewhere

[bogie]

designforlife said:

are premium bonds worth it these days? I have a tenner in an account that was opened for me in 1985, but it's only ever won once i think....actually forgot about it but i think the certificate is at home somewhere

they are about as good as a really crappy savings account ...but you can manage them online and 24-48 hour withdrawals....hence I just use them as a medium term savings account, theres always the chance of a win more than £25 or £50 and if you drop a £250, 500, £1000 etc it makes them worthwhile.

[supercommuter]

Badda said:

supercommuter said:

I was thinking how to include property, but struggled so gave up..

I own 50 percent of my house. Rest mortgaged at 1.5 percent

A home isn’t really applicable in scenarios like this. Investment property is different.

Quite, that is why i did not include it originally

[98elise]

50% property (UK BTL)
50% across 6 global funds (H&L SIPP + ISA's)

Am currently exiting from BTL to buy property abroad or maybe 50/50 UK HMO.

I don't fear a Brexit fk up as much as I fear the next Labour government

[bmwmike]

Im starting to think im Too much held in tech equities across USD and GBP traded shares. Must take time to reexamine and rebalance. I did time getting half out of amazon nicely but expect I'll buy back in if GBP takes off significantly (momentarily only I feel) when the circus show announces they've made a concession / deal.

Edited by bmwmike on Friday 14th September 19:55

[Derek Chevalier]

supercommuter said:

Given the Brexit malarky on the horizon

When, in the history of the stock markets, has there not been some impending doom event on the horizon?

[JaredVannett]

designforlife said:

In an appreciating imported car.

Assuming the cost of jap car imports spikes again after brexit, I should be even more quids in.

...and which car may that be....? this is a car forum after all

[Simpo Two]

Derek Chevalier said:

supercommuter said:

Given the Brexit malarky on the horizon

When, in the history of the stock markets, has there not been some impending doom event on the horizon?

1999, 2007 (because they thought it could never end)

The trick is to calculate the distance to that horizon. And one man's doom is another man's boom.


Just remembered Gordon Brown's 'No more boom and bust'... Canute had more chance!

[Derek Chevalier]

Simpo Two said:

Just remembered Gordon Brown's 'No more boom and bust'... Canute had more chance!

That popped into my mind the other day - had to smile!

[rufusgti]

I 'm probably going to get stiffed either way this goes.
75% uk btl
15% premium bonds
5% bitcoin
5% various crappy bank accounts.

Not clever.

[siovey]

100% in one aim stock.

I don't have much in (£10k) and I am currently 300% up so no big deal. I'm leaving the money in until my target price is hit or some news arrives I don't like. I have a 5 year time scale and hopefully wont need the cash before then.
If it works out, it's a life changer. If not then i'll have to work as long as would have anyway so nothing to lose!

[Simpo Two]

Derek Chevalier said:

Simpo Two said:

Just remembered Gordon Brown's 'No more boom and bust'... Canute had more chance!

That popped into my mind the other day - had to smile!

Gotta love socialists. By all rights they should have become extinct long ago!

[supercommuter]

siovey said:

100% in one aim stock.

I don't have much in (£10k) and I am currently 300% up so no big deal. I'm leaving the money in until my target price is hit or some news arrives I don't like. I have a 5 year time scale and hopefully wont need the cash before then.
If it works out, it's a life changer. If not then i'll have to work as long as would have anyway so nothing to lose!

Which stock...?