Reply to: Which Shares ISA + SIPP investment ?

[Fred Bloggs]

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Fair comments about INV PER and China, surely there is something out there worth a bob chucking at it. Just though a few others on here might be in a similar boat...

Yes, I'm in exactly the same boat. I'm invested in commodities (10% 1 unit trust), commercial property (10% 1 unit trust), financial opportunities (10% 1 unit trust), UK income (~35% 4 unit trusts) and international growth (~35% 4 unit trusts). I was in high yielding corporate bonds for about 9 months but came out of those and put the money into commercial property. All is fairly tickety boo to date. HTH.

[DimPrawn]

Good luck whatever you all decide to put your money into.

[ChimpMaster]

Fair comments about INV PER and China, surely there is something out there worth a bob chucking at it. Just though a few others on here might be in a similar boat...

Don't bring him into this too!

On a serious note though, let me know if you find anything interesting. I'm more than likely to do the Bolton fund for 09/10 but will be looking out for 10/11 soon after.

[lukemg]

Well, I am going to invest either way as I have done for a number of years when there have been spare funds available. Bank deposits are returning zip, property the same and I have additional funds for having fun. These investments are my Plan B (anything requiring actual work doesn't appeal !)and will fund my retirement. I have a broad range of PEP's/ISA's etc and after a bit of nerve jangling from a few bumps in the road, most are standing at a healthy profit.
Fair comments about INV PER and China, surely there is something out there worth a bob chucking at it. Just though a few others on here might be in a similar boat...

[Fred Bloggs]

You said that last October when I floated the idea here of buying into a commercial property unit trust. Results? I made ~20% to date on the unit trust I bought and there's more to come.

[DimPrawn]

Everything is overpriced.

China is a bubble, the S&P is overvalued, the FTSE is ripe for a big fall.

Biscuit tin looks the best option or just go out and spend the money enjoying yourself whilst you still can.

[Fred Bloggs]

Forget Woodford (Invesco Perpetual), he's a busted flush. For an income fund, look seriously at Trojan Income. China? You're too late. Wait until the bubble bursts, as it surely will. I am.

[Fred Bloggs]

I guess this site is a little out of date then....

http://www.sippsguide.com/press_11.htm


For the first time you will be able to directly invest in residential property both at home and abroad. Property in Spain, especially popular areas like the Costa del Sol look set to reap the benefits of these changes. France could be another hotspot with property in Montpellier and the surrounding areas of the Languedoc featuring highly on a lot of peoples wish lists. Many UK Residents have always dreamed of buying an off plan property abroad and places like Spain and France provide an excellent choice within just a couple of hours of the UK.

Yes, 11th hour loss of bottle by Gov't. It never happened.

[wurzel]

No, you can't put residential property into a SIPP.

The government changed it's mind at the last minute.

Remember, you might not be able to touch the money in a SIPP until you are 150 years old if the government have their way of raising the retirement age by 5 years every other year.

I guess this site is a little out of date then....

http://www.sippsguide.com/press_11.htm


For the first time you will be able to directly invest in residential property both at home and abroad. Property in Spain, especially popular areas like the Costa del Sol look set to reap the benefits of these changes. France could be another hotspot with property in Montpellier and the surrounding areas of the Languedoc featuring highly on a lot of peoples wish lists. Many UK Residents have always dreamed of buying an off plan property abroad and places like Spain and France provide an excellent choice within just a couple of hours of the UK.

[DimPrawn]

I understand that SIPPS pensions give you control over how you invest your money & you can invest in residential property if you so wish. So, once you have sufficient funds in your pension you can just go off and invest it in a property somewhere? Doesn't sound right to me; I must be missing something.

No, you can't put residential property into a SIPP.

The government changed it's mind at the last minute.

Remember, you might not be able to touch the money in a SIPP until you are 150 years old if the government have their way of raising the retirement age by 5 years every other year.

[wurzel]

I understand that SIPPS pensions give you control over how you invest your money & you can invest in residential property if you so wish. So, once you have sufficient funds in your pension you can just go off and invest it in a property somewhere? Doesn't sound right to me; I must be missing something.

[lukemg]

Mule - That is too much risk for me, I wouldn't invest directly in any so called oil/gold rush areas. I might however invest in a fund that had some exposure to companies in this area. It's all about spreading the risk a bit.

[lukemg]

Perpetual fund has been a very steady performer but might be too big to be able to react now, to make a difference to the overall fund they have to take a big position in a company. So it is Steady Eddie if a bit uninspiring. Planning to chuck the money in for a good few years (it's the only way) and can take a few risks so I do fancy that China fund. Couple of things - 1. People are saying China has overshot and might be investing approaching the top of a bubble. 2. China is expected to revalue the currency which will benefit any investment.
I have got some other more stable stuff so I will be putting some in this but tempted to spread it into somewhere else too and I have a SIPP allowance to use up.

[Moscow Mule]

If you like risking your capital, have a punt on the Falkland Island gas exploration companies - it's all or nothing but worth a go IMO.

[ChimpMaster]

Sorry to break from all the threats and moans on here. Gearing up to make my ISA and SIPP investments. Anyone else doing the same ? Where are you thinking of putting it ?
I am sorely tempted by the new Fidelity China fund but might offset with Invesco Perpetual High income.
Anyone else got any suggestions ?

Luke I was just going to mention the new A.Bolton fund too. I am going to invest this year's (09/10) allowance into it and then maybe even 10/11's allowance. China is due somewhat of a fall but long term it'll come good and Bolton's certainly a proven fund manager.

What's the Invesco fund like?