How much do you put in your pension?

[lukemg]

Hence everything should continue to be OK because the government will step in to prevent such a collapse?.

Comming back to tangible asset investment, Surely a rental income on 2 or 3 properties (assuming off course of no rental mishaps) should equate to decent alternative to a pension or am I completely wrong?. I was thinking of heading down the property route ...... not so much for property value but that rental income is always stable even at times of economic crisis

I know some people are/have been doing well out of property, I am happy for them and as a leveraged bet on a rigged market it has been great but I won't touch direct involvment in BTL.
- I am lazy, the first time I get a call about it I will regret it.
- Market CAN turn against you, it just can't shoot the lights out forever and it's so illiquid you can't get out (which is one reason why it works, it stops people making bad decisions)
- IF I wanted more property exposure I would buy into a REIT fund which pays a decent dividend and NEVER calls me about the boiler and I can choose level of investment (its hard to sell half a house but I can sell half a REIT investment in about 30 seconds) Thats before we get into voids, nutters (a chap threatened to kill my mate if he ever went round to his own house that he had rented to a 'nice young lady') maintenance, mgmt charges etc.
- Extra 3% BTL tax + reduction in allowances have got to take the edge off, even if you incorporate, it's no magic solution.
BUT this is not my area of expertise and so I don't go in for the 'oh just do this' stuff with people declaring what others should do.
GLA...

[northernladuk]

I know some people are/have been doing well out of property, I am happy for them and as a leveraged bet on a rigged market it has been great but I won't touch direct involvment in BTL.
- I am lazy, the first time I get a call about it I will regret it.
- Market CAN turn against you, it just can't shoot the lights out forever and it's so illiquid you can't get out (which is one reason why it works, it stops people making bad decisions)
- IF I wanted more property exposure I would buy into a REIT fund which pays a decent dividend and NEVER calls me about the boiler and I can choose level of investment (its hard to sell half a house but I can sell half a REIT investment in about 30 seconds) Thats before we get into voids, nutters (a chap threatened to kill my mate if he ever went round to his own house that he had rented to a 'nice young lady') maintenance, mgmt charges etc.
- Extra 3% BTL tax + reduction in allowances have got to take the edge off, even if you incorporate, it's no magic solution.
BUT this is not my area of expertise and so I don't go in for the 'oh just do this' stuff with people declaring what others should do.
GLA...

But any investments should be diversified to make sure the worst doesn't hit and leave you high and dry. Putting all your eggs in one basket adds extra risk. If your pension is linked to stocks as your ISA is then you've only got one area to fail and you are going to take a massive hit. Can't see you getting your money out of your pension any faster than your pension
BTL can be a very good little addition to an investment portfolio to spread the risk. I have a couple of BTL's and must admit I disagree with nearly everything you've said there or can counter with something position but it's your opinion so I'm not going to. The bottom line is a good point though, like any investment you need to understand it rather than jump in blind. If you don't want to learn about it and steer clear then fair enough.

[kaiser78]

But any investments should be diversified to make sure the worst doesn't hit and leave you high and dry. Putting all your eggs in one basket adds extra risk. If your pension is linked to stocks as your ISA is then you've only got one area to fail and you are going to take a massive hit. Can't see you getting your money out of your pension any faster than your pension
BTL can be a very good little addition to an investment portfolio to spread the risk. I have a couple of BTL's and must admit I disagree with nearly everything you've said there or can counter with something position but it's your opinion so I'm not going to. The bottom line is a good point though, like any investment you need to understand it rather than jump in blind. If you don't want to learn about it and steer clear then fair enough.

You feeling okay, need a lie down ?

[lukemg]

So - I don't see BTL as diversification because most will have massive property exposure already through their own homes, if the equity in this is <10% of net worth then fair enough but if it's a more likely >50%, buying more property doesn't help this risk....
Course - House prices always go up so no worries !

[ChimpMaster]

So - I don't see BTL as diversification because most will have massive property exposure already through their own homes, if the equity in this is <10% of net worth then fair enough but if it's a more likely >50%, buying more property doesn't help this risk....
Course - House prices always go up so no worries !

What do you see as worth investing in, giving the upcoming climate?

[Fred Bloggs]

What do you see as worth investing in, giving the upcoming climate?

I believe a very good bet is Fundsmith, it has a large proportion of US assets and the British companies held earn a lot of their revenue overseas. I have bought more last Friday and I suspect I may be buying again too.

[missinggreenfields]

What do you see as worth investing in, giving the upcoming climate?

Fixed interest bonds look a good, safe bet, if you can get a reasonable return.

[DonkeyRhubarb]

What do you see as worth investing in, giving the upcoming climate?

Gold, silver or their miners.

It is possible that they have entered a new bull market. No guarantees but the charts are pointing to this.

Technical Gold Charts and Data - London Fix

[Fred Bloggs]

Gold, silver or their miners.

It is possible that they have entered a new bull market. No guarantees but the charts are pointing to this.

Technical Gold Charts and Data - London Fix

Hasn't the gold miners boat already sailed?

[DonkeyRhubarb]

Hasn't the gold miners boat already sailed?

Not if it is a new bull market.

Yes, they have gone up 100% this year but that was off very deep multi-year lows. This chart shows just how low the miners went relative to Gold.

HUI to Gold Ratio | MacroTrends

100% is nothing in a PM bull market.

Of course, it might not be a new bull market. Only time will tell.