Search found 200 matches

by Nomad
Mon Nov 04, 2019 7:19 am
Forum: ERE Journals
Topic: 2020
Replies: 40
Views: 7286

Re: 2020

@Adamski
I had a trawl for you ERE Journal but it seems to have been redacted. ..
by Nomad
Fri Nov 01, 2019 12:10 pm
Forum: Money Questions
Topic: UK Tories Plan To Increase Pension Age To 75
Replies: 39
Views: 4922

Re: UK Tories Plan To Increase Pension Age To 75

There is actually no pressing need to put back the retirement age. In fact somebody submitted a request via the freedom of information act. Currently there is over 24 billion in the national insurance fund and the amount went up over 2 billion, in the preceding year 2017-2018. https://www.whatdothey...
by Nomad
Thu Oct 31, 2019 2:18 pm
Forum: ERE Journals
Topic: 2020
Replies: 40
Views: 7286

Re: 2020

However, with regard to spending, I started using Money Dashboard and I've been keeping a lid on expenditure.
Salary +1376
Rental +280
Pension +1876
Income = 3532
Spending = -1214
e.g. 65% savings rate.
by Nomad
Thu Oct 31, 2019 2:13 pm
Forum: ERE Journals
Topic: 2020
Replies: 40
Views: 7286

Re: 2020

Monthly Overview. Pensions a) £40770 (same) b) £87754 (-2785 'growth') c) £4712 (-9753 moved to pension D, +1876 invested -94 growth) d) £59204 (+9573 from pension C, -2106 'growth') Pensions total = £192440 (down -3109) Savings/stuff £8551 (-1499) House £95000 Car £8000 (-100) Total £303991 (down -...
by Nomad
Mon Oct 07, 2019 5:40 pm
Forum: ERE Journals
Topic: 2020
Replies: 40
Views: 7286

Re: 2020

It's time for an attempt at a more detailed budget. I'm going to put money away into a long term account each month. Long Term Budget New Car Fund 1200 Household Goods 600 Yearly Total 1800 Monthly 150 Also, I'm going to put money into an account for yearly bills. Yearly Budget Car MOT 40 Car Insura...
by Nomad
Sun Oct 06, 2019 5:02 am
Forum: ERE Journals
Topic: 2020
Replies: 40
Views: 7286

Re: 2020

If you want opinions, you probably need to elaborate on the present situation and prognosis, and your ideas. I've decided against the rather impulsive desire to quit ASAP. Instead, I'm aiming for FI in the Summer of 2020, specifically around the time of the solstice. Recently, I've been renting a r...
by Nomad
Sun Sep 29, 2019 11:04 am
Forum: ERE Journals
Topic: 2020
Replies: 40
Views: 7286

Re: 2020

September 29th numbers with comparisons to August 31st Pensions a) £40770 (same) b) £90539 (-1952 'growth') c) £12683 (+1876 invested -42 growth) d) £51557 (-474 'growth') Pensions total = £195549 (down +592) Savings/stuff £10050 (-308) House £95000 Car £8100 (-100) Total £308699 (down -384) poor mo...
by Nomad
Fri Sep 27, 2019 3:53 am
Forum: Money Questions
Topic: The Index Funds Challenge
Replies: 13
Views: 1617

Re: The Index Funds Challenge

Just the current numbers for today but notionally this is for Autumn 2019. I think we will have some difference in Winter or Spring. Autumn 2019 27/09/19 Vangaurd VEU ($) 50.07 Vangaurd VEU (£) 40.75 Fidelity European class W (£) 17.98 Lindsell Train UK Equity (£) 1.9827 Lindsell Train Japanese Equi...
by Nomad
Fri Sep 27, 2019 3:25 am
Forum: Money Questions
Topic: The Index Funds Challenge
Replies: 13
Views: 1617

Re: The Index Funds Challenge

Correction. I had the price of Lindsell Train UK Equity (Accumulation) incorrect on the original post. Also, the fee was incorrect. I think I was looking at something entirely different. This is the correct one. https://markets.ft.com/data/funds/tearsheet/historical?s=GB00BJFLM156:GBX https://www.fu...
by Nomad
Mon Sep 23, 2019 4:27 pm
Forum: ERE Journals
Topic: 2020
Replies: 40
Views: 7286

Re: 2020

I'm seriously considering taking a career break but I'm not sure if this is professional suicide.
The plan would be to take further IT certifications during the gap so that it looks somewhat productive.
by Nomad
Fri Sep 20, 2019 2:03 am
Forum: Money Questions
Topic: The Index Funds Challenge
Replies: 13
Views: 1617

Re: The Index Funds Challenge

Great. Couple of details: 1- what's the currency of refrence? It could matter as the weighting is different between our two allocations. I suggest we use the USD. 2- we will obviously compare total return (meaning including dividends for my fund and for your Japanese Equity fund), as otherwise we'd...
by Nomad
Fri Sep 20, 2019 1:48 am
Forum: Money Questions
Topic: The Index Funds Challenge
Replies: 13
Views: 1617

Re: The Index Funds Challenge

Index funds and prices below:- VGS:- 78.71 (International Equities Tracker) VAS:- 86.74 (Australian Equities Tracker) VAF:- 52.72 (Australian Bonds Tracker) I have no idea how you are going to make this a challenge though. I'm in Australia and all those funds are in AUD. You'd also have to carry th...
by Nomad
Fri Sep 20, 2019 1:35 am
Forum: Money Questions
Topic: The Index Funds Challenge
Replies: 13
Views: 1617

Re: The Index Funds Challenge

Gilberto de Piento wrote:
Thu Sep 19, 2019 7:35 pm
The MMM crowd loves VTSAX. I own a little. How about that one?
Ok. VTSAX is today $74.35 which is £59.14

My alternative is this fund:
100% Investec American Franchise class I Accumulation GBP which today is (£3.2148 fees are 0.83%).

That is three comparisons on the go.
by Nomad
Thu Sep 19, 2019 6:31 pm
Forum: Lifestyle Questions
Topic: Choosing a smartphone
Replies: 12
Views: 1855

Re: Choosing a smartphone

Personally, I avoid IPhones. I had one years ago but dropped it once on a hard wood floor - amazingly, the screen shattered into a million tiny pieces.
Since then I have gone exclusively for Android based phones. Cheaper and more reliable. Currently using Moto 6 Plus with 64GB and a 128GB memory card.
by Nomad
Thu Sep 19, 2019 1:52 pm
Forum: Money Questions
Topic: The Index Funds Challenge
Replies: 13
Views: 1617

Re: The Index Funds Challenge

VT seems to be the global index of choice for many people. (That said, it's actually cheaper to get the exact same exposure by comining VTI + VEU instead of VT, but the differences are likely to be negligible.) Ok, challenge accepted. VT is today $78.18 or £60.73 and has fees of (0.09%) The global ...
by Nomad
Wed Sep 18, 2019 7:05 pm
Forum: Money Questions
Topic: The Index Funds Challenge
Replies: 13
Views: 1617

Re: The Index Funds Challenge

If someone wants to go with a global tracker fund including US companies, I have a very simple option in response.
Any takers for a global low-cost index fund?
by Nomad
Wed Sep 18, 2019 6:58 pm
Forum: Money Questions
Topic: The Index Funds Challenge
Replies: 13
Views: 1617

Re: The Index Funds Challenge

Ok, the VEU fund according to Yahoo finance is: $50.61 or £40.58 To mimic a worldwide fund without any US stocks I will go with four funds at 25% each. Fidelity European class W (Accumulation) = £17.91 ( fees = 0.92% ). Lindsell Train UK Equity (Accumulation) = £1.9954 ( fees = 0.51% ). Lindsell Tra...
by Nomad
Wed Sep 18, 2019 3:26 pm
Forum: Money Questions
Topic: The Index Funds Challenge
Replies: 13
Views: 1617

The Index Funds Challenge

There seems to be a great deal of confidence in the wisdom of investing in low cost trackers funds. I would like to challenge advocates of these funds to list the index funds they use, and what they are worth today in a specified monetary unit. Then we can see how they do over time and compare them ...
by Nomad
Mon Sep 16, 2019 8:07 am
Forum: Money Questions
Topic: Why Index Funds Are Like Subprime CDOs
Replies: 121
Views: 13305

Re: Why Index Funds Are Like Subprime CDOs

Here is the thing. He has basically matched the index over the past 10 odd years and he is the best investor of all time. I think it's already been said but none of these high performers that you can raise change the facts. The facts are that index investors are among the best investors when it com...
by Nomad
Fri Sep 13, 2019 8:42 am
Forum: Money Questions
Topic: Dealing with Investor Emotions: Anxiety Induced Hyperactivity
Replies: 15
Views: 1713

Re: Dealing with Investor Emotions: Anxiety Induced Hyperactivity

I've tried a few things. I tried individual stocks and I panicked when they went up or down. Then I tried stocks with information from Stockopedia, that was much better but still, I didn't have the personality for it. Then I did fixed asset allocations of funds and ETF's but picked the funds via a f...