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-   -   OT Pension fund or property? (https://www.diybanter.com/uk-diy/401201-ot-pension-fund-property.html)

harry September 6th 16 07:03 AM

OT Pension fund or property?
 
http://www.which.co.uk/news/2016/09/...s_MoneyCompare

Property I reckon.

Nightjar September 6th 16 09:31 AM

OT Pension fund or property?
 
On 06-Sep-16 7:03 AM, harry wrote:
http://www.which.co.uk/news/2016/09/...s_MoneyCompare

Property I reckon.


If you are comfortable making your own investments, a self-invested
personal pension (SIPP)

http://www.moneysavingexpert.com/savings/cheap-sipps

You can include commercial property in a SIPP.

--
--

Colin Bignell

[email protected] September 6th 16 12:06 PM

OT Pension fund or property?
 
On Tuesday, 6 September 2016 07:03:27 UTC+1, harry wrote:
http://www.which.co.uk/news/2016/09/...s_MoneyCompare

Property I reckon.


Lots and lots and lots of children.

Hopefully one of them will grow up to be a loyal and benevolent millionaire.

Owain


Allan September 6th 16 12:28 PM

OT Pension fund or property?
 
On 06/09/2016 12:06, wrote:
On Tuesday, 6 September 2016 07:03:27 UTC+1, harry wrote:
http://www.which.co.uk/news/2016/09/...s_MoneyCompare

Property I reckon.


Lots and lots and lots of children.

Hopefully one of them will grow up to be a loyal and benevolent millionaire.

Owain


That's assuming they grow up to like you (& vice versa), they aren't
expensive to run, and you don't have (m)any SKI holidays....


David September 6th 16 01:34 PM

OT Pension fund or property?
 
On Tue, 06 Sep 2016 09:31:15 +0100, Nightjar wrote:

On 06-Sep-16 7:03 AM, harry wrote:
http://www.which.co.uk/news/2016/09/...-which-is-the-

best-investment-451862/?
utm_medium=Email&utm_source=ExactTarget&utm_campai gn=Prospects_MoneyCompare

Property I reckon.


If you are comfortable making your own investments, a self-invested
personal pension (SIPP)

http://www.moneysavingexpert.com/savings/cheap-sipps

You can include commercial property in a SIPP.


The OP perhaps should have specified commercial or domestic property?

We decided to invest in domestic property mainly because (apart from dips
now and then) it always seemed to go up.

You also get to live in your investment (which you can't really do with
stocks/shares/bonds/cash or (usually) commercial property.

The best choice depends very much on the starting point; for example

http://www.affinity-consulting.com/G...rns-v-Indices-
in-GBP.pdf

From 10 years ago property is an easy winner. 15 years, still a winner but
closer. 20 years ago (or 5) and the stock market comes out ahead. Although
the figures only go up to 2010 so are well out of date.

Best advice? Buy cheap and sell dear. ;-)

Put another way, if you can plan to buy during a slump then you will see a
massive return versus the standard graphs. I saw that with a pension plan
running from 2005 to 2009; I realised afterwards that I was buying
investments as the stock market slumped and stopped about when the market
bottomed out. The gains were unusual just because I was investing through
2008 and 2009. Buying housing then would also have been a very good
investment (although not many people were selling).

Mostly, though, with any investment strategy the usual Irish advice
applies; "If I was going there I wouldn't start from here".

Cheers


Dave R


--
Windows 8.1 on PCSpecialist box

Andrew[_22_] September 6th 16 06:52 PM

OT Pension fund or property?
 
On 06/09/2016 09:31, Nightjar wrote:
On 06-Sep-16 7:03 AM, harry wrote:


Property I reckon.

Lookup Schedule A income tax for an indication of what a future
labour government has in store.


If you are comfortable making your own investments, a self-invested
personal pension (SIPP)

http://www.moneysavingexpert.com/savings/cheap-sipps

You can include commercial property in a SIPP.

Only if it is a 'full' SIPP, and these are in the minority and
tend to have much higher annual charges.

Rod Speed September 7th 16 06:03 AM

OT Pension fund or property?
 


wrote in message
...
On Tuesday, 6 September 2016 07:03:27 UTC+1, harry wrote:
http://www.which.co.uk/news/2016/09/...s_MoneyCompare

Property I reckon.


Lots and lots and lots of children.

Hopefully one of them will grow up to be a loyal and benevolent
millionaire.


More likely you will be destitute by the time they are adults
and they'll just make an obscene gesture in you general direction
when you get too old to work and ship you off to a nursing home.


Nightjar September 7th 16 09:26 AM

OT Pension fund or property?
 
On 06-Sep-16 6:52 PM, Andrew wrote:
On 06/09/2016 09:31, Nightjar wrote:
On 06-Sep-16 7:03 AM, harry wrote:


Property I reckon.

Lookup Schedule A income tax for an indication of what a future
labour government has in store.


If you are comfortable making your own investments, a self-invested
personal pension (SIPP)

http://www.moneysavingexpert.com/savings/cheap-sipps

You can include commercial property in a SIPP.

Only if it is a 'full' SIPP, and these are in the minority and
tend to have much higher annual charges.


Mine isn't a full SIPP and it includes commercial property.

--
--

Colin Bignell

Rod Speed September 7th 16 10:37 AM

OT Pension fund or property?
 


"Andrew" wrote in message
...
On 06/09/2016 09:31, Nightjar wrote:
On 06-Sep-16 7:03 AM, harry wrote:


Property I reckon.

Lookup Schedule A income tax for an indication of what a future
labour government has in store.


There wont be any future Labour govt any decade
soon now that the SNP has got the whole of Scotland
and wont be losing that any decade soon.

If you are comfortable making your own investments, a self-invested
personal pension (SIPP)

http://www.moneysavingexpert.com/savings/cheap-sipps

You can include commercial property in a SIPP.

Only if it is a 'full' SIPP, and these are in the minority and
tend to have much higher annual charges.




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