Checked ya pension pot lately?

[The Fitter]

Yes I did for the first time in many years a week ago. Surprised to find I've got lots of small ones with a few K in each, maybe 5 of them. Going to wait for a bit a start a new personal plan - advice welcome for a good one? Got the RAF and state pensions as well. 49 now and aiming to retire late 50's.

 

[Wrenthorpe Mackem]

There are large funds out there that continually beat the market - and by some margin.

One of the funds I was monitoring hasn't lost anything compared to its early March price

Basically, it goes low and then recovers at some point.

So, I've topped up my investments over the last few weeks based on past experience of crashes and some of the advice on here.

The cash I had as a reserve was about to drop to an all time low interest rate and had already been losing value in real terms.

Time will tell if I've done the right thing or not

Generally topping up when market is on its arse is alwsys a good thing. Over time it always recovers. The problem is if you need the funds now.

 

[Longy]

There are large funds out there that continually beat the market - and by some margin.

One of the funds I was monitoring hasn't lost anything compared to its early March price

Basically, it goes low and then recovers at some point.

So, I've topped up my investments over the last few weeks based on past experience of crashes and some of the advice on here.

The cash I had as a reserve was about to drop to an all time low interest rate and had already been losing value in real terms.

Time will tell if I've done the right thing or not

Didn’t mean that mate. I was referring to when somebody mentioned large fund choices. Unless you have a shit load of time on your hands, who has the resources, knowledge, experience and time to research every fund manager, their past performance (not just the fund’s) future views and plans etc etc.

Too much choice is a hindrance.

 

[Deleted User 11453]

Didn’t mean that mate. I was referring to when somebody mentioned large fund choices. Unless you have a shit load of time on your hands, who has the resources, knowledge, experience and time to research every fund manager, their past performance (not just the fund’s) future views and plans etc etc.

Too much choice is a hindrance.

https://www.trustnet.com/news/845493/how-to-create-a-portfolio-better-than-95-of-other-investors

Kroijer said it is important to use a global tracker rather than your home index in this hypothetical portfolio as it offers instant diversification – for example, he said that while the figures for compound returns in the US over the past 100 years are spectacular, for the Russian market “they are less so”.

 

[Fletch]

I didn’t realise there were so many financial gurus post on SMB

 

[Longy]

I didn’t realise there were so many financial gurus post on SMB

I’ve drawdown my full pension after this thread was started. I’m 36

 

[cosmicchris00]

Which fund did you go for?

Fidelity Global Technology.

Don't know how long the growth can go on like this but we'll see.

Generally topping up when market is on its arse is alwsys a good thing. Over time it always recovers. The problem is if you need the funds now.

I had some rainy day money which was earning pitiful interest and was about to be cut again.

Didn’t mean that mate. I was referring to when somebody mentioned large fund choices. Unless you have a shit load of time on your hands, who has the resources, knowledge, experience and time to research every fund manager, their past performance (not just the fund’s) future views and plans etc etc.

Too much choice is a hindrance.

Agreed.

Google helps so it's much easier than it used to be.

I've bought right turkey's over the years in the packaged fund supermarket scramble

 

[Fletch]

I’ve drawdown my full pension after this thread was started. I’m 36

Why ?

 

[Longy]

Why ?

I’m joking man

 

[NorthCountryBoy]

Generally topping up when market is on its arse is alwsys a good thing. Over time it always recovers. The problem is if you need the funds now.

The other problem is knowing when it’s truly on its arse.

Next couple of days of consecutive falls and I’m going to go in again though.

 

[42]

The other problem is knowing when it’s truly on its arse.

Next couple of days of consecutive falls and I’m going to go in again though.

Over the last week it's picked up a bit, so maybe it bottomed out last week

 

[Longy]

The other problem is knowing when it’s truly on its arse.

Next couple of days of consecutive falls and I’m going to go in again though.

Just get in mate. By trying to time it, you’re chance to miss the best days rises, which will end up costing more in the long term. There will be those who’ll guess right every now & then & a bit like when you’re a a comes in on a weekend you get excited & tell everyone. The truth is it’s impossible to call it right on a consistent basis & you’ll end up costing yourself.

 

[the dark one]

If the money is in drawdown it’s in the market so it can rise as long as its invested. That’s the message. Remain invested and markets will recover. Putting money into cash at or near the bottom means you then give up the future gains on ride back up.

How much did your low risk fund fall by out of interest? In percentage terms.

empty your inbox please mate

 

[GuestServices]

Bump, any thoughts on moving money from cash, back into the pension pot ?

 

[peil]

Not an expert by any stretch, but investing at the arse of a market is more likely to lead to long term improvement I'd have thought

 

[Select coaches]

Not an expert by any stretch, but investing at the arse of a market is more likely to lead to long term improvement I'd have thought

It’s working out where the arse end of the market is that’s the problem. I have a feeling it may have a good bit to fall yet.

 

[ouro]

Yes I did for the first time in many years a week ago. Surprised to find I've got lots of small ones with a few K in each, maybe 5 of them. Going to wait for a bit a start a new personal plan - advice welcome for a good one? Got the RAF and state pensions as well. 49 now and aiming to retire late 50's.

Men plan, God laughs.

 

[GuestServices]

It’s working out where the arse end of the market is that’s the problem. I have a feeling it may have a good bit to fall yet.

my worry too, my investment has gained some back but still less than 50% of its projected increase

 

[Edinburgh Black Cat]

Bump, any thoughts on moving money from cash, back into the pension pot ?

I've been topping up over the last 4 months.

Thought about opening a stocks & shares isa, hoping for more immediate growth but too risky for me at the moment.

Will go back to normal contributions from next pay, with any savings in a 0.8% instant access savings.

 

[Joe Public]

Mine has recovered quite well but still volatile, about £11k down compared to £25k at one point.