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As readers know I now Invest some of my profits away from BTL since the Tax changes in our sector
and I often see Members saying that fund managers are not worth there fees and they are a bad sector to invest in
I like to find out for myself the true results and I spend some of my time selection fund managers
I have a core number of around 15 Funds I use and I thought I would post some figs of performance over a Three and Five year period
I of course take a much longer view than Five years
Jupiter Europen 3 yrs 54% 5 years 90% http://webfund6.financialexpress.net/cli...00B4NVSH01
TB Evenlodode 3 years 48% 5 Years 74% http://webfund6.financialexpress.net/cli...00BD0B7D55
Trojan 3 years 19% 5 years 42% http://webfund6.financialexpress.net/cli...00BZ6CQ176
I have to say I am very happy with the above performance figs
The major plus is the Growth is all Tax Free and there is not a lot of Hassel and its not as Politically sensitive as BTL
I strongly favour diversification Today and its profitable too
Learn Change and Adapt ?????
All comments are for casual information purposes only. If you wish to rely on any advice I have given please ensure you obtain independent specialist advice from a third party. No liability is accepted for comments made.
Hi DL what are the worst performing? What us your overall return?
Assume property (rental cashflow) is your hedge for when the bull market finally ends?
Slowly working towards financial freedom
My worsed performance has been India equity fund and ironic Two property funds
over all return in 3 years has been around 7.5%
i drip money every month into funds so I am happy to invest very long term
at some point I will turn on the tap for income or I will pay down BTL debts
pensions are very helpful with IHT planning
so all have there plus points
As you know Warren Buffet took a bet with a hedge fund manager. Which he won. The bet: an index tracking fund would beat the performance over an expensively managed fund. Agree with you approach: Pound cost averaging and mixing your property investment with other assets. However, leveraged property will beat unleveraged equities every time. Unless you are willing to tie up your money in a pension and are a higher rate tax payer (by virtue of the tax break). And then an index tracking low cost option is still the best bet option for most people.
I pretty sure you realise those are headline figures how their actually investment has performed.
But what is not included in that figure is the purchase and selling fees and some do not add in their management fees and platform fees. As you would expect the funds you mentioned are active fund managers, hence you expect them to buy and sell fairly regularly, so every transaction is a cost to you but not included in the "investment performance figures" you put up. They are know to wipeout over half of the published headline investment gains.
We all pay fees one way or another even in BTL
but I do see your point
I use cavendish online platform and there. Charges are less than most
Thanks for the post. Always take note of your comments. I'm only a small part landlord just the 1 flat I rent out. Also got money in funds which are doing quite well. Got some cash in a marcus account waiting to be invested. Enough to buy a small semi outright. In two minds to invest it in a buy to let or drip feed into the stock market. Or even a refurb to flip. Does seem like another job though. So much easier to invest in funds but may be not so lucrative. Need to decide soon though 62 now so times running out lol.
Glad you find the info helpful
I am 60 and I am still buying levarge BTL
but I think to spread risk investing elsewhere can be good
BTL should perform better than shares but the government is making life difficult every month that goes by
As an absolute rule for me, I never invest in any asset class without leverage to kick start. For example BTL, always leveraged, in funds, always SIPP 45% top up from government or at least LISA top up to kick start.
Investing in whole cash is never a good idea.
Interesting viewpoint. I haven't leveraged and have sufficient income from my investment. As I already feel I have enough I don't know what I would achieve if I borrowed.
A good teacher must know the rules; a good pupil, the exceptions.
Martin H. Fischer
My partner said something similar today, he said he doesn’t want to be rich, he just wants to get to the stage where he can decide what he wants to do that day. Although this actually sounds like retirement:-)