Passive investing

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taylost3

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Been looking at passive investing as a way to invest a regular monthly amount circa £300 to start for at least 10-20 years. I'd love to retire before I'm 50 in 19 years with the compound interest I'm hoping this can help me achieve my goal. Anyone do this and can recommend any providers or reading material as this is all very new to me.

This site seems a great resource http://monevator.com/category/investing/passive-in...
 


Have a look at DividendMantra. Jason has done the same as you want to do albeit in a more extreme and more active way e.g. Stock
Picking.

I have followed along with his story for a while and he has done really well do himself.
 
Hookers and blow

Hth

MackemBob said:
Have a look at DividendMantra. Jason has done the same as you want to do albeit in a more extreme and more active way e.g. Stock
Picking.

I have followed along with his story for a while and he has done really well do himself.
Click to expand...
The stock market is booming . Any chump could have done well over the last few years
 
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taylost3 said:
Been looking at passive investing as a way to invest a regular monthly amount circa £300 to start for at least 10-20 years. I'd love to retire before I'm 50 in 19 years with the compound interest I'm hoping this can help me achieve my goal. Anyone do this and can recommend any providers or reading material as this is all very new to me.

This site seems a great resource http://monevator.com/category/investing/passive-in...
Click to expand...
That site looks an absolute shocker on first glance
 
Icarebecauseyoudo said:
Hookers and blow

Hth


The stock market is booming . Any chump could have done well over the last few years
Click to expand...

I'm not looking to make a quick gain I'm investing on the assumption that in the next 20 years the market will grow, yes it'll go up and down and I'll lose month by month but I'm quite comfortable that in 20 years my money should have grown.

chunkylover53 said:
Reads like a scam to me
Click to expand...

Why? whats scammy about it?
 
taylost3 said:
I'm not looking to make a quick gain I'm investing on the assumption that in the next 20 years the market will grow, yes it'll go up and down and I'll lose month by month but I'm quite comfortable that in 20 years my money should have grown.



Why? whats scammy about it?
Click to expand...
You may well be right, but then it's possible the market is currently at a historic high
 
There's a saying in a bull market, when the milkman starts giving you share tips it's time to sell

Have we reached this yet?

taylost3 said:
The FTSE is but passive investing isn't just stocks and shares it's more diverse, I would wager that its lowest point in the last 5 2 years is still far higher than 20 years ago.
Click to expand...
In the last what?
 
Icarebecauseyoudo said:
There's a saying in a bull market, when the milkman starts giving you share tips it's time to sell

Have we reached this yet?


In the last what?
Click to expand...

Sorry, that made no sense.At its lowest point in the 2 years, the stock market is higher than what it was 20 years ago.

Icarebecauseyoudo said:
There's a saying in a bull market, when the milkman starts giving you share tips it's time to sell

Have we reached this yet?


In the last what?
Click to expand...

This isn't investing in individual shares its investing in the market as a whole.
 
I know you said you wanted to retire at 50, but if you're able to wait till 55 to get at some of the money pensions are worth thinking about - you get tax relief at your marginal rate on contributions and can take up to a quarter of the pot out at 55 tax free. So there's a big advantage compared to other investments....if you're prepared to leave it till your over 55. Or better still, do a bit of both.
 
chunkylover53 said:
It's a massive sales pitch
Click to expand...

I disagree. There are many different investment options on the site passive investments are just one of them.

nyron4england said:
why don't you speak to a financial advisor/stockbroker and go from there?
Click to expand...

In the short fees, I'm trying to minimise them, the more advice I take the more it costs and diminishes my return. Passive investing is designed for investments without any advice.
 
If only we could return to 1984 and put 100k in. The figures below are minus fees and ignore dividend income. We assume a 20 year holding period with 100k invested. For ease no reinvestment is assumed.

Exit Date FTSE100 at start FTSE100 at end 20 year return £100k invested
01/01/2004 1000.00 4476.87 347.7% £ 447,687.00
02/01/2004 1060.30 4381.37 313.2% £ 413,219.84
03/01/2004 1046.10 4537 333.7% £ 433,706.15
04/01/2004 1108.10 4410.71 298.0% £ 398,042.60
05/01/2004 1136.80 4489.69 294.9% £ 394,941.06
06/01/2004 1026.80 4422.68 330.7% £ 430,724.58
07/01/2004 1041.30 4424.72 324.9% £ 424,922.69
08/01/2004 1006.20 4415.73 338.9% £ 438,852.12
09/01/2004 1105.30 4502.05 307.3% £ 407,314.76
10/01/2004 1127.70 4659.65 313.2% £ 413,199.43
11/01/2004 1158.40 4673.79 303.5% £ 403,469.44
12/01/2004 1191.70 4735.68 297.4% £ 397,388.60
01/01/2005 1232.20 4814.3 290.7% £ 390,707.68
02/01/2005 1272.60 4906.21 285.5% £ 385,526.48
03/01/2005 1250.80 5000.47 299.8% £ 399,781.74
04/01/2005 1278.30 4914.03 284.4% £ 384,419.15
05/01/2005 1301.50 4801.68 268.9% £ 368,934.31
06/01/2005 1324.60 5011.04 278.3% £ 378,305.90
07/01/2005 1246.80 5161.01 313.9% £ 413,940.49
08/01/2005 1287.20 5290.85 311.0% £ 411,035.58
09/01/2005 1340.30 5328.51 297.6% £ 397,560.99
10/01/2005 1296.00 5501.55 324.5% £ 424,502.31
11/01/2005 1379.00 5344.33 287.6% £ 387,551.12
12/01/2005 1418.50 5486.12 286.8% £ 386,755.02
01/01/2006 1412.60 5618.76 297.8% £ 397,760.16
02/01/2006 1425.10 5801.63 307.1% £ 407,103.36
03/01/2006 1534.90 5844.07 280.7% £ 380,745.98
04/01/2006 1684.00 6024.28 257.7% £ 357,736.34
05/01/2006 1640.10 6023.14 267.2% £ 367,242.24
06/01/2006 1596.50 5749.69 260.1% £ 360,143.44
07/01/2006 1660.80 5884.44 254.3% £ 354,313.58
08/01/2006 1561.80 5880.84 276.5% £ 376,542.45
09/01/2006 1672.80 5949.15 255.6% £ 355,640.24
10/01/2006 1578.30 5957.83 277.5% £ 377,484.00
11/01/2006 1639.20 6149.62 275.2% £ 375,159.83
12/01/2006 1617.80 6021.54 272.2% £ 372,205.46
01/01/2007 1679.00 6220.81 270.5% £ 370,506.85
02/01/2007 1832.80 6282.23 242.8% £ 342,766.80
03/01/2007 1983.10 6116.04 208.4% £ 308,408.05
04/01/2007 1973.10 6315.53 220.1% £ 320,081.60
05/01/2007 2068.50 6419.61 210.4% £ 310,350.98
06/01/2007 2228.20 6676.66 199.6% £ 299,643.66
07/01/2007 2269.80 6590.55 190.4% £ 290,358.18
08/01/2007 2334.30 6250.57 167.8% £ 267,770.64
09/01/2007 2272.80 6315.22 177.9% £ 277,860.79
10/01/2007 2373.80 6506.25 174.1% £ 274,085.85
11/01/2007 1723.70 6586.08 282.1% £ 382,089.69
12/01/2007 1578.50 6386.57 304.6% £ 404,597.40
01/01/2008 1712.70 6456.91 277.0% £ 377,001.81
02/01/2008 1776.90 6029.18 239.3% £ 339,308.91
03/01/2008 1781.90 5818.62 226.5% £ 326,540.21
04/01/2008 1742.50 5852.58 235.9% £ 335,872.60
05/01/2008 1802.20 6087.25 237.8% £ 337,767.73
06/01/2008 1805.70 6007.61 232.7% £ 332,702.55
07/01/2008 1858.20 5479.93 194.9% £ 294,905.28
08/01/2008 1862.20 5354.67 187.5% £ 287,545.38
09/01/2008 1730.50 5602.82 223.8% £ 323,768.85
10/01/2008 1802.60 4959.59 175.1% £ 275,135.36
11/01/2008 1857.80 4443.28 139.2% £ 239,168.91
12/01/2008 1778.70 4065.49 128.6% £ 228,565.24
01/01/2009 1793.10 4434.17 147.3% £ 247,290.73
02/01/2009 2039.70 4077.78 99.9% £ 199,920.58
03/01/2009 2021.30 3625.83 79.4% £ 179,381.09
04/01/2009 2079.60 3955.61 90.2% £ 190,210.14
05/01/2009 2118.00 4243.22 100.3% £ 200,340.89
06/01/2009 2103.40 4506.19 114.2% £ 214,233.62
07/01/2009 2165.60 4340.71 100.4% £ 200,439.14
08/01/2009 2292.30 4682.46 104.3% £ 204,269.07
09/01/2009 2407.50 4819.7 100.2% £ 200,195.22
10/01/2009 2289.20 5047.81 120.5% £ 220,505.42
11/01/2009 2160.10 5104.5 136.3% £ 236,308.50
12/01/2009 2311.10 5312.17 129.9% £ 229,854.61
01/01/2010 2422.70 5412.88 123.4% £ 223,423.45
02/01/2010 2345.80 5247.41 123.7% £ 223,693.84
03/01/2010 2238.40 5405.94 141.5% £ 241,509.11
04/01/2010 2221.60 5744.89 158.6% £ 258,592.46
05/01/2010 2117.90 5553.29 162.2% £ 262,207.38
06/01/2010 2371.40 5163.3 117.7% £ 217,732.14
07/01/2010 2372.00 4805.75 102.6% £ 202,603.29
08/01/2010 2339.00 5397.11 130.7% £ 230,744.34
09/01/2010 2166.60 5366.41 147.7% £ 247,688.08
10/01/2010 2030.80 5592.9 175.4% £ 275,403.78
11/01/2010 2028.00 5694.62 180.8% £ 280,799.80
12/01/2010 2162.70 5642.5 160.9% £ 260,900.73
01/01/2011 2143.50 5899.94 175.2% £ 275,247.96
02/01/2011 2165.70 5957.82 175.1% £ 275,099.04
03/01/2011 2386.90 5935.76 148.7% £ 248,680.72
04/01/2011 2456.50 6009.92 144.7% £ 244,653.78
05/01/2011 2508.40 6069.9 142.0% £ 241,982.94
06/01/2011 2515.80 5928.61 135.7% £ 235,655.06
07/01/2011 2443.60 5989.76 145.1% £ 245,120.31
08/01/2011 2591.70 5774.43 122.8% £ 222,804.72
09/01/2011 2679.60 5418.65 102.2% £ 202,218.61
10/01/2011 2645.60 5075.5 91.8% £ 191,846.84
11/01/2011 2549.50 5421.57 112.7% £ 212,652.28
12/01/2011 2414.90 5489.34 127.3% £ 227,311.28
01/01/2012 2493.10 5572.28 123.5% £ 223,508.08
02/01/2012 2560.20 5790.72 126.2% £ 226,182.33
03/01/2012 2554.30 5931.25 132.2% £ 232,206.48
04/01/2012 2408.60 5874.89 143.9% £ 243,913.06
05/01/2012 2659.80 5812.23 118.5% £ 218,521.32
06/01/2012 2697.60 5260.19 95.0% £ 194,995.18
07/01/2012 2493.90 5640.64 126.2% £ 226,177.47
08/01/2012 2420.20 5712.82 136.0% £ 236,047.43
09/01/2012 2298.40 5758.41 150.5% £ 250,539.94
10/01/2012 2572.30 5820.45 126.3% £ 226,274.15
11/01/2012 2687.80 5861.92 118.1% £ 218,093.61
12/01/2012 2792.00 5871.24 110.3% £ 210,287.97
01/01/2013 2846.50 5897.81 107.2% £ 207,195.15
02/01/2013 2851.60 6347.24 122.6% £ 222,585.22
03/01/2013 2882.60 6378.6 121.3% £ 221,279.40
04/01/2013 2878.40 6411.74 122.8% £ 222,753.61
05/01/2013 2813.10 6451.29 129.3% £ 229,330.28
06/01/2013 2849.20 6525.12 129.0% £ 229,015.86
07/01/2013 2888.80 6307.78 118.4% £ 218,352.95
08/01/2013 2941.70 6681.98 127.1% £ 227,146.89
09/01/2013 3085.10 6506.19 110.9% £ 210,890.73
10/01/2013 3039.30 6460.01 112.5% £ 212,549.27
11/01/2013 3164.40 6734.74 112.8% £ 212,828.34
12/01/2013 3233.20 6595.33 104.0% £ 203,987.69
01/01/2014 3418.40 6749.09 97.4% £ 197,434.18
02/01/2014 3481.50 6465.66 85.7% £ 185,714.78
03/01/2014 3270.60 6708.35 105.1% £ 205,110.68
04/01/2014 3086.40 6652.61 115.5% £ 215,545.94
05/01/2014 3125.30 6808.87 117.9% £ 217,862.93
06/01/2014 2931.90 6864.1 134.1% £ 234,117.81
07/01/2014 2936.40 6802.92 131.7% £ 231,675.52
08/01/2014 3097.40 6679.18 115.6% £ 215,638.28
09/01/2014 3216.50 6825.31 112.2% £ 212,196.80
10/01/2014 2983.50 6557.52 119.8% £ 219,792.86
11/01/2014 3096.30 6487.97 109.5% £ 209,539.45
12/01/2014 3039.60 6656.37 119.0% £ 218,988.35
01/01/2015 3065.50 6566.09 114.2% £ 214,193.12
02/01/2015 3017.30 6782.55 124.8% £ 224,788.72
03/01/2015 3041.20 6940.64 128.2% £ 228,220.44
04/01/2015 3143.10 6809.5 116.6% £ 216,649.17
05/01/2015 3220.40 6985.95 116.9% £ 216,928.02
06/01/2015 3340.60 6953.58 108.2% £ 208,153.63
07/01/2015 3323.70 6608.59 98.8% £ 198,832.33
08/01/2015 3449.90 6688.62 93.9% £ 193,878.66
09/01/2015 3509.40 6058.54 72.6% £ 172,637.49
10/01/2015 3520.20 6072.47 72.5% £ 172,503.55
11/01/2015 3518.70 6361.8 80.8% £ 180,799.73
12/01/2015 3680.40 6395.65 73.8% £ 173,775.95
01/01/2016 3689.30 6242.32 69.2% £ 169,200.66
02/01/2016 3752.80 6060.1 61.5% £ 161,482.09
03/01/2016 3752.70 6152.88 64.0% £ 163,958.75
04/01/2016 3718.40 6146.05 65.3% £ 165,287.49
05/01/2016 3806.00 6241.89 64.0% £ 164,001.31
06/01/2016 3739.20 6191.93 65.6% £ 165,595.05
07/01/2016 3725.60 6577.83 76.6% £ 176,557.60
08/01/2016 3734.40 6693.95 79.3% £ 179,251.02
09/01/2016 3884.40 6745.97 73.7% £ 173,668.26
10/01/2016 3992.20 6983.52 74.9% £ 174,929.11
11/01/2016 3948.50 6917.14 75.2% £ 175,183.99
12/01/2016 4038.50 6752.93 67.2% £ 167,213.82
01/01/2017 4118.50 7142.83 73.4% £ 173,432.80
 
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