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I invest via my SIPP and I have moved funds from Equity into UK property funds and the results have been much better then I expected
Standard Life have returned 7% this year
L&G has returned 9% this year
Its interesting to see this performance with all the doom in our BTL sector at present.
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.
Remember these two funds invest in Commercial property as opposed to residential property.
No real correlation between the two.
But it does show that BTL is not the only game in town.
i have diversified and this is only one avenue I have taken
and it’s good and it’s paying off
Those growth figures might not be what they seem. I doubt Standard Life have "returned 7%" to anyone. Does that growth take into account charges? The unit price may have increased by that percentage but if you had invested 12 months ago you would have incurred (according to the data in your link) an initial charge of 7.5% plus an annual management charge of 0.75%.
The other more obvious point is of course that nobody makes ANYTHING from these funds UNTIL the day that they redeem the investment. I'm not sure quoting very short term performance figures can be compared with buying a residential property. Chalk and cheese.
What your saying is not quite true
First I don't pay .75% for management I use a Platform which charges far less
secondly I have made the figs quoted I am active in the management of my platform funds and I switched this morning into another fund at zero cost
If an investor is happy to sit and do nothing other than leave it all to and IFA you may be right
But I manage everything my self
Just as I have done with BTL
The great thing is I don't pay a penny in tax when I am switching
I see a lot of post like yours and I realised the only way I could find the facts was to invest cash into Managed funds
and the results are there on my platform to be seen
I am now investing in emerging markets so I will see how it goes over the next 12 months although I am leavening funds in the UK property sector because I think it has further to go
Property funds can be very difficult to get out of once the rush to get out starts. They stop redemption's and give market adjustments on the amount they pay out. As many found out last time and were locked in with noway out seeing the price fall at the time. This sector has had its run and a few fund managers are now getting out. Commercial property is becoming a problem for many as retail goes bust, rents under pressure etc. Emerging markets are now under pressure as well and would not be surprised to see a 20/30% drop over the comes months.Over the longer term they we be ok. China debt problems are beginning to surface. in 2008 their debt was 141% of GDP mid 2017 risen to 256% of GDP - not a good sign. Emerging market bubble is about to burst. Place to be is gold and silver which for many reasons will rocket over next 12/18 months.
I am watching emerging markets for the fall
I have a simple strategy I watch the funds and who performs the worsted over the past years and I then invest in them
Your so right property did really badly and I invested in this sector last year and I have seen a good return
I call my strategy the worsted performing fund strategy
I have noticed when a fund manager has a bad patch they work hard to get there performance back up
I have used this for years and it works so well
Every sector has a bad time and that's the time to purchase them in my opinion
M&G recovery has born my theory out well in the past
Yes by the nature of the market worst performing sectors at one time become the best performing sectors next time. Its just getting the right manager and the timing. Obviously you have a strategy that works for you and I am the last person to knock that. However perhaps hedge your bets with some exposure to gold and silver sectors now. Silver cheap v gold , only three times in the last 50yrs have you seen this current ratio. Good luck.
I still use Papers and Magazines to do research
and then Just pick the worsed of the bunch for the year
Thanks for the tip I will have a look at Gold
M&G recovery fund I purchased this in 2016 because he had performed badly in the past 2 years prior to 2016