General Discussion: I have 15k(ish) to invest - please advise me!


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ginner
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258 posts since 15/4/14

21 Oct 2016 12:59
I wish I could buy a classic 911! Chap down the road from me has a 70's one in Navy Blue. It is pure class.
Fuzzyduck121
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1592 posts since 14/12/12

21 Oct 2016 20:42
toocan wrote: Classic 911 for me tripled in value over 2 years

How much to get one that has future increases possible ?
Classic 911 is Ubercool
toocan
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704 posts since 7/11/07

22 Oct 2016 10:01
Anything air cooled - 964 boats probably gone I'd get a 993, galvanised body too so you could drive it daily (if you wanted) and it would still appreciate
ginner
ginner avatar

258 posts since 15/4/14

4 Nov 2016 11:25
£/$ is ticking up again nicely on the back of the high court ruling yesterday. Back to $1.30 levels possibly. Opportunity there if spread bettering but very volatile.

Previously noted Interserve has dropped back considerably on no news and has a 7.8% yield at current 325p price. I have picked up some of their shares again to sit on. Not like you can get anywhere close to 7% return on anything but equities at the moment.
swede
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7823 posts since 21/3/09

4 Nov 2016 12:06
was having a good couple of weeks as picked up dixons carphone and vectura. back to square 1 today boo
swede
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7823 posts since 21/3/09

posted 4 Nov 2016 12:10, edited 4 Nov 2016 12:10
ginner wrote: £/$ is ticking up again nicely on the back of the high court ruling yesterday. Back to $1.30 levels possibly. Opportunity there if spread bettering but very volatile.

Previously noted Interserve has dropped back considerably on no news and has a 7.8% yield at current 325p price. I have picked up some of their shares again to sit on. Not like you can get anywhere close to 7% return on anything but equities at the moment.

analyst consensus is buy with target at ~500p . could be worth a punt
eent
eent avatar

9015 posts since 25/2/05

4 Nov 2016 13:49
Housebuilders will take another hit in March when article 50 gets triggered, sell before then.
ginner
ginner avatar

258 posts since 15/4/14

4 Nov 2016 17:53
Interserve don't do houses. At present the supply for houses is so constrained that would offer a buying opportunity for me. If it means keeping interest rates low'ish then this should still keep the flow of mortgages.
toocan
toocan avatar

704 posts since 7/11/07

4 Nov 2016 21:34
eent wrote: Housebuilders will take another hit in March when article 50 gets triggered, sell before then.

can you elaborate/evidence thoughts - keen to understand more about something i know fuck all about
Hello World
Hello World avatar

12096 posts since 7/3/05

4 Nov 2016 22:51
I'm relocating soon to live with my GF in a new area so my flat is going on the market asap, so timing looks right.

Wont hurt to rent for a year, and stick all the equity in a bond see how this works out.
swede
swede avatar

7823 posts since 21/3/09

5 Nov 2016 01:17
toocan wrote:
eent wrote: Housebuilders will take another hit in March when article 50 gets triggered, sell before then.

can you elaborate/evidence thoughts - keen to understand more about something i know fuck all about

foreign interest reduces in britain if we leave. puts less pressure on the housing market - knock on effect on homebuilders
ginner
ginner avatar

258 posts since 15/4/14

6 Nov 2016 22:25
majority of off plan sales of flats are to external investors in some areas; chinese, indian etc.

These projects need this early cash (from the deposits etc) to get the cash flow of the projects right. If they have to borrow it then returns drop and consequently the returns for the housebuilders drop. This means a lower share price.

Currently there are also an awful lot of housing developments funded by foreign money as uk banks are very risk averse on property lending. If this dries up it limits numbers of developments or forces developers to put up greater capital to get the loans to undertake development. Both of these limit shareholder returns. Lower returns = lower share price.
swede
swede avatar

7823 posts since 21/3/09

9 Nov 2016 17:15
nice raise on interserve today ginner Cool see if it holds out
Jake Unkutt
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2832 posts since 2/3/04

10 Nov 2016 08:49
Does anyone have experience with these robo-advisers?

I'm looking at Nutmeg, Scalable or Moneyfarm as a short term (3-5 years) complication free place to store some cash at better interest rates than a savings account.

Nutmeg's interface and support seems to be the best of those so far.
Would all their investments be fairly similar? Or do they focus on different areas?
swede
swede avatar

7823 posts since 21/3/09

10 Nov 2016 09:50
remember that someone is making some coin off that. I also assume that capital is at risk?
Anto
Anto avatar

3534 posts since 19/1/12

posted 10 Nov 2016 11:27, edited 10 Nov 2016 11:27
Capital is obviously at risk.

Someone is making coin off that because what you basically pay for is an advisory service on which instruments you should buy according to your risk\return profile. It's a sort of way between DIY and Wealth Management.
They recommend you an instrument, most of the times, if not all, ETFs, and you buy it through the platform; you can obviously buy more or less than recommended.

They all invest using ETFs (easy to trade, low cost plus they track indexes), which are available for most Asset Classes, so you can invest in pretty much everything.

What I would focus on is the fee structure; if i'm not wrong Moneyfarm have a no management fee policy for portfolios under 10k and above 1m.
Jake Unkutt
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2832 posts since 2/3/04

10 Nov 2016 11:44
Yep, I'm prepared for a little bit of risk.

This review was pretty useful:
http://www.moneyobserver.com/opinion/how-do-five-top-robo-advisers-offerings-stack

swede
swede avatar

7823 posts since 21/3/09

10 Nov 2016 11:58
oh I see they don't actually take all your money, just suggest investment ideas? interesting
Jake Unkutt
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2832 posts since 2/3/04

10 Nov 2016 12:09
Also useful:

http://www.boringmoney.co.uk/investments/robo-adviser/
swede
swede avatar

7823 posts since 21/3/09

14 Nov 2016 13:46
swede wrote: nice raise on interserve today ginner Cool see if it holds out

up 15% now Ubercool