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UK diy (uk.d-i-y) For the discussion of all topics related to diy (do-it-yourself) in the UK. All levels of experience and proficency are welcome to join in to ask questions or offer solutions. |
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#1
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OT Pension fund or property?
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#2
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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 |
#3
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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 |
#5
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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 Although the figures only go up to 2010 so are well out of date.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 |
#6
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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. |
#7
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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. |
#8
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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 |
#9
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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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