Pensions Investment Strategy

[GenevaSaint]

In the hope to try and keep WadeGarrett happy I'll start a more manly thread..

 

Chaps, realise I've fecked it on moving my pensions investments out of equity and into bonds given the market.

 

What's everyone else done with their pension investments? Left them in equities to ride the storm or moved them to cash, bonds etc?

 

And yes, I know there are financial advisors to go to but wanted a consensus of opinion on what the more savvy people on here have done.

[thefunkygibbons]

No way we can answer that question for you without knowing, your age, income, attitude to risk, other investments, dependants etc etc

 

For me, as a 44 year old reasonably well paid professional, I am still buying equities but I expect to still investing for 20-25 years yet

[Wade Garrett]

You might as well ride it out now. Hold your nerve. No point getting out while the market is bottoming out, not when you have another 20 odd years to invest.

[buctootim]

Dont try and predict the market. Spread the investments around geographically and by type and avoid high management charges which eat up returns. Exchange traded funds (ETFs)are good. Leave it in long term and dont be tempted to try to become a trader.

[dune]

Up until a week or so ago I was roughly 50/50 bonds/cash, however i've made a move back into equities @ roughly ftse 5200 (non financial US equities which are more resilient to sharp falls) to the tune of 40% of my cash pot (20%ish of the total), and have switched regular contributions from cash to said equities. I predict a rally as the can is kicked down the road r.e Spain, and once the dow is back around 13200 i'll bail out again into cash, and wait for yet another dip before repeating. Bonds have been disapointing of late it must be said. up from around 1.33p to 1.39p in 6 months (around 4%) but I guess in these times it's better than a loss, and cash is sh/te being linked to the boe base rate, but once again it's keeping the powder dry (slight loss relative to inflation). My view is that wealth preservation is key atm, so my advice is to play it prudently and bide your time for an opportunity to jump in and out of equities (without pushing the boat out!) as the can gets kicked down the road.

Edited 8 June, 2012 by dune

[Special K]

Thrown it into a wrapped SIPP fund with some chums and purchased some commercial property. Prices are low and the right investment will yield a decent rental. Some distressed sites have gone very cheaply, so provided the rental obligations can be filled and there is a reasonable long term desire, then the long term returns are OK and there's no CGT on the eventual equity come selling time.

[Seaford Saint]

between me and the Company I pay in £620 a month.....the Company paying in £400 and me the rest. Not sure what to do really. I already have a pension of £7K and pay 40% tax on it. I think the world is going to get a lot worse...so I would like to buy silver for my fund, or gold. I have another pension due when I am 60. I am considering additional payments into my pension just get the tax I pay back....not sure what I will do. I was considering paying out another £400 a month into my fund....my wife will do something similar as well

[dune]

between me and the Company I pay in £620 a month.....the Company paying in £400 and me the rest. Not sure what to do really. I already have a pension of £7K and pay 40% tax on it. I think the world is going to get a lot worse...so I would like to buy silver for my fund, or gold. I have another pension due when I am 60. I am considering additional payments into my pension just get the tax I pay back....not sure what I will do. I was considering paying out another £400 a month into my fund....my wife will do something similar as well

 

You've missed the boat with precious metals, IMO. 2008/9 was the time to buy. That's when I bought into silver - sold early 2011 for a nice profit, but like you say sooner or later things are going to come to head so you might be right.

Edited 8 June, 2012 by dune

[Wade Garrett]

I'm going to invest in pork bellies. I've also had a sneaky peek at the annual crop report and I'm going to corner the market in frozen concentrated orange juice.

[Tokyo-Saint]

I'm going to invest in pork bellies. I've also had a sneaky peek at the annual crop report and I'm going to corner the market in frozen concentrated orange juice.

 

I bet you a dollar it won't work.

[Wade Garrett]

I bet you a dollar it won't work.

 

I wonder if Clarence Beeks is still getting bummed by that gorilla?

[Tokyo-Saint]

I wonder if Clarence Beeks is still getting bummed by that gorilla?

 

They are happily married now living in Brighton.

[Special K]

I'm going to invest in pork bellies. I've also had a sneaky peek at the annual crop report and I'm going to corner the market in frozen concentrated orange juice.

 

Then you can buy you kid the GI Joe with the kung-fu grip.