Your Portfolio

skyblue1991

Well-Known Member
Dec 19, 2012
3,550
1,928
213
you'd think so though the market is holding up quite well at the minute. That surely can't sustain with the shit storm that is going to hit us in the next year can it?
I'm buying this year but waiting until the the furlough scheme becomes more aggressive and stops altogether (August onwards)

As horrible it is to say it its likely you'll see more repossessions due to redundancy so could see a drop in the market, plus the inevitable recession

Sent from my I3113 using Tapatalk
 
  • Like
Reactions: shmmeee and Marty

Marty

Well-Known Member
Mar 20, 2011
5,442
1,449
163
I'm buying this year but waiting until the the furlough scheme becomes more aggressive and stops altogether (August onwards)

As horrible it is to say it its likely you'll see more repossessions due to redundancy so could see a drop in the market, plus the inevitable recession

Sent from my I3113 using Tapatalk
Got to look out for number one pal, I'll be doing the same and hopefully be able to get a couple more properties.
 

shmmeee

Well-Known Member
Jul 11, 2011
27,379
18,040
263
Coventry, United Kingdom, United Kingdom
I’m looking to buy at the moment. Only got 10% deposit which is shit as lenders are withdrawing in favour of 15% minimum apparently. All convinced there’ll be a price crash. Luckily I can afford to wait it out. Think I’ll keep saving for a few more months and see how Corona and Brexit shake out first.

Market is crazy right now though, I get alerts and book viewings ASAP, first place I looked had three bidders and went over asking straight away, booked three viewings last weekend and two were cancelled before I got there as the place had been sold. I think there’s pent up demand coming through at the moment.

TBF spoke to my property investor boss about this and he said not to worry about the market when buying to live in as it’s not an investment and you’ll always be buying and selling in the same market in the future.
 

skybluesam66

Well-Known Member
Mar 29, 2011
4,755
1,890
113
For those looking now be careful
There has been a massive bounce back since March (best quarter in years) . As such there may be bad news ahead- as the bounce back may have been too aggressive, or at most, may now be levelling out

At a high level, the market fell maybe 25%
It has bounced back by around 13%

In the short to medium term, there may not be much to go
Longer term, there will be some good opportunities however (As always you may get lucky or unlucky with individual choices)
 

Mucca Mad Boys

Well-Known Member
Jul 26, 2012
8,095
2,522
213
Coventry
I’m looking to buy at the moment. Only got 10% deposit which is shit as lenders are withdrawing in favour of 15% minimum apparently. All convinced there’ll be a price crash. Luckily I can afford to wait it out. Think I’ll keep saving for a few more months and see how Corona and Brexit shake out first.

Market is crazy right now though, I get alerts and book viewings ASAP, first place I looked had three bidders and went over asking straight away, booked three viewings last weekend and two were cancelled before I got there as the place had been sold. I think there’s pent up demand coming through at the moment.

TBF spoke to my property investor boss about this and he said not to worry about the market when buying to live in as it’s not an investment and you’ll always be buying and selling in the same market in the future.
I’ll potentially be in a position to buy next year, but I’m waiting out Covid-19 and Brexit - which allows me to accumulate more capital anyway.

If you’re a first-time buyer, the government’s proposed housing policy is apparently to include a 30% discount for first time buyers on the new builds Boris is going to build. Which will be significant for someone like myself.
 

jimmyhillsfanclub

Well-Known Member
May 31, 2012
4,387
4,793
163
here
I’ll potentially be in a position to buy next year, but I’m waiting out Covid-19 and Brexit - which allows me to accumulate more capital anyway.

If you’re a first-time buyer, the government’s proposed housing policy is apparently to include a 30% discount for first time buyers on the new builds Boris is going to build. Which will be significant for someone like myself.
Looks good on paper, but I'd wager a hefty sum that developers "list price" will be 130% of the market value.....and it'll probably be one of these leasehold traps too....
 
  • Like
Reactions: wingy

Brighton Sky Blue

Well-Known Member
Jan 11, 2012
21,323
6,679
263
Coventry
I’ll potentially be in a position to buy next year, but I’m waiting out Covid-19 and Brexit - which allows me to accumulate more capital anyway.

If you’re a first-time buyer, the government’s proposed housing policy is apparently to include a 30% discount for first time buyers on the new builds Boris is going to build. Which will be significant for someone like myself.
We bought our house last summer though when we started looking, the Brexit uncertainty at the time meant there weren’t many buyers which worked in our favour. Unless you’re set on a certain place then yeah waiting it out is the best bet. We got in on 10% deposit boosted by the ISA plus a bit of cash back from the bank.
 

shmmeee

Well-Known Member
Jul 11, 2011
27,379
18,040
263
Coventry, United Kingdom, United Kingdom
I’ll potentially be in a position to buy next year, but I’m waiting out Covid-19 and Brexit - which allows me to accumulate more capital anyway.

If you’re a first-time buyer, the government’s proposed housing policy is apparently to include a 30% discount for first time buyers on the new builds Boris is going to build. Which will be significant for someone like myself.
Im not. I had a house, I lost it in the divorce. Government policy cares not for me.
 

wingy

Well-Known Member
Jul 9, 2011
26,275
5,229
213
I’m looking to buy at the moment. Only got 10% deposit which is shit as lenders are withdrawing in favour of 15% minimum apparently. All convinced there’ll be a price crash. Luckily I can afford to wait it out. Think I’ll keep saving for a few more months and see how Corona and Brexit shake out first.

Market is crazy right now though, I get alerts and book viewings ASAP, first place I looked had three bidders and went over asking straight away, booked three viewings last weekend and two were cancelled before I got there as the place had been sold. I think there’s pent up demand coming through at the moment.

TBF spoke to my property investor boss about this and he said not to worry about the market when buying to live in as it’s not an investment and you’ll always be buying and selling in the same market in the future.
Surprising really.
Would like to see who is buying.
Investment or dweller's.
 

wingy

Well-Known Member
Jul 9, 2011
26,275
5,229
213
I was joking to the missus that it’s people sick of the sight of their existing house after three months locked up in it. I think there is a point about people thinking about more space either just for the space or for WFH though.
Good point .
Think I read something about flight from urban to rural too.
 

clint van damme

Well-Known Member
May 3, 2015
20,455
21,873
263
Surprising really.
Would like to see who is buying.
Investment or dweller's.
I'd imagine investors.
There are plenty of people with pots of cash ready to add to their portfolios. It isn't helping the likes of Shmmeee and first time buyers get the property they need.
We need a real rethink.
 

jimmyhillsfanclub

Well-Known Member
May 31, 2012
4,387
4,793
163
here
I'd imagine investors.
There are plenty of people with pots of cash ready to add to their portfolios. It isn't helping the likes of Shmmeee and first time buyers get the property they need.
We need a real rethink.
Rent controls would go a long way to help, as would an additional stamp duty premium on any property that is not your home.
 

fernandopartridge

Well-Known Member
Dec 9, 2011
21,973
16,451
263
Surprising really.
Would like to see who is buying.
Investment or dweller's.
When my mate sold his house in Stoke a few years ago, the viewers were nearly all BTL investors. That might have changed with some of the reforms to Stamp Duty rules. That said, with these people with big portfolios of property it won't make much difference.
I agree with the other poster, second home stamp duty should be so high as to prevent it happening.
 
  • Like
Reactions: wingy

skyblue1991

Well-Known Member
Dec 19, 2012
3,550
1,928
213
I haven't got much in the account yet but I keep checking my Money Box S&S ISA every hour!

Up today by about 0.5%, was down by a couple of percent the last few days though
 

tom88

Well-Known Member
Dec 5, 2011
1,098
396
83
I haven't got much in the account yet but I keep checking my Money Box S&S ISA every hour!

Up today by about 0.5%, was down by a couple of percent the last few days though
same here mate, it’s quite addictive. My plan is 5 years before I cash out though and whack it off the mortgage

I’m on the adventurous scheme with Moneybox
 
  • Like
Reactions: skyblue1991

skyblue1991

Well-Known Member
Dec 19, 2012
3,550
1,928
213
same here mate, it’s quite addictive. My plan is 5 years before I cash out though and whack it off the mortgage

I’m on the adventurous scheme with Moneybox
Glad it's not just me that finds it mildly addictive!

I'm also on the adventurous scheme, currently pay £50 a week in so minor investments at the share prices that day of that week.

Going to let it ride for 10 years and then try and transfer some to a cash LISA so an additional 25% is added on top from the government (assuming I can do this under LISA rules)



Sent from my I3113 using Tapatalk
 

Greggs

Well-Known Member
May 8, 2012
3,338
2,012
163
Moved a few quid about over last few weeks. Got out of Kier at 78p, it hurt, but i'm willing to take the hit! Out of Greggs too. Loaded up a few Apple at 370 and got some lovely news regarding a smashed earnings and 4-1 split. Apple, Microsoft and Canopy Growth. Not touching anything with much element of risk at the moment. Going to add some more Apple if it dips, but sitting on my hands for a few months now. Hope everyone is doing well. Good luck :)
 

wingy

Well-Known Member
Jul 9, 2011
26,275
5,229
213
Moved a few quid about over last few weeks. Got out of Kier at 78p, it hurt, but i'm willing to take the hit! Out of Greggs too. Loaded up a few Apple at 370 and got some lovely news regarding a smashed earnings and 4-1 split. Apple, Microsoft and Canopy Growth. Not touching anything with much element of risk at the moment. Going to add some more Apple if it dips, but sitting on my hands for a few months now. Hope everyone is doing well. Good luck :)
How do you see things with Apple .
They may pick up sales due to anti Chinese sentiment,but lose that market.
I get they may shift production and have security in chip supply but don't think they'll see an upsurge of takers for £1000 handsets over people switching to £200-300 rivals.
If Chinese models ultimately end up unpopular or banned don't they just shift to Indian or cheap South American manufacturer
See Microsoft linked to tiktok today .
This looks like state sponsored mafia style extortion to me
I realise that I may be in a minority on that.
 

Greggs

Well-Known Member
May 8, 2012
3,338
2,012
163
How do you see things with Apple .
They may pick up sales due to anti Chinese sentiment,but lose that market.
I get they may shift production and have security in chip supply but don't think they'll see an upsurge of takers for £1000 handsets over people switching to £200-300 rivals.
If Chinese models ultimately end up unpopular or banned don't they just shift to Indian or cheap South American manufacturer
See Microsoft linked to tiktok today .
This looks like state sponsored mafia style extortion to me
I realise that I may be in a minority on that.
Granted the future may not be with the handsets, roughly 45% of current revenue...but services such as the Apple Watch, Apple Pay, Apple Tv and a rumoured Ar Headset, you can clearly see an effort to change focus i think. Yes very rare for Microsoft to move so much in one day, was a big sell off after earning mind ;) Hope you're well mate
 

wingy

Well-Known Member
Jul 9, 2011
26,275
5,229
213
Granted the future may not be with the handsets, roughly 45% of current revenue...but services such as the Apple Watch, Apple Pay, Apple Tv and a rumoured Ar Headset, you can clearly see an effort to change focus i think. Yes very rare for Microsoft to move so much in one day, was a big sell off after earning mind ;) Hope you're well mate
Cheers.
I saw an article about 6g last week I think it was.

Think it was based around Samsung .
Absolutely mind blowing for a simple man like me
I don't know what 'physical' people are going to do with themselves when that comes around .
God I hope we don't all fry from the radiation Lol.
If I was in this Govt I wouldn't take 5g any further here.
I would make sure we're at the head of some of that make it strategic

6-8 yrs , it's coming around,then nobody can come in poking there nose into our bidding.
 

Walsgrave

Well-Known Member
Apr 5, 2016
297
205
93
Moved a few quid about over last few weeks. Got out of Kier at 78p, it hurt, but i'm willing to take the hit! Out of Greggs too. Loaded up a few Apple at 370 and got some lovely news regarding a smashed earnings and 4-1 split. Apple, Microsoft and Canopy Growth. Not touching anything with much element of risk at the moment. Going to add some more Apple if it dips, but sitting on my hands for a few months now. Hope everyone is doing well. Good luck :)
I on the other hand bought 2k worth of Greggs on Friday. It has dipped massively and continues to drop, but I reckon in a few years' time it will be pretty good.
 
  • Like
Reactions: Greggs

Greggs

Well-Known Member
May 8, 2012
3,338
2,012
163
I on the other hand bought 2k worth of Greggs on Friday. It has dipped massively and continues to drop, but I reckon in a few years' time it will be pretty good.
I had a rethink....Not too much room for growth anywhere....most high streets already heavily populated with them and there isn't much demand outside of the UK. Good luck though mate
 
  • Like
Reactions: Walsgrave

Walsgrave

Well-Known Member
Apr 5, 2016
297
205
93
Probably a nice little earner already 5% higher than last Friday
Hopefully. To get back to where it was before the pandemic and more (which is a big ask for any company) would be the ambition, but since i has dropped so low I did think it was worth it!
 

dubed

Well-Known Member
Aug 14, 2012
2,509
1,045
163
Did a nice overnight trade on BP. Whilst conscious that the market could have reacted further to the quarterly news, it was more or less as expected, so seems that most punters were in buyback mode.

A trade that I am slightly kicking myself over is a x3 leveraged coffee ETF. Bought in low and made a decent profit but sold too early last week, as it's gone up nearly another 30 percent since. Yet another case of having a strategy (had planned to chuck a very good wedge in) but failing to keep to it.
 
  • Wow
Reactions: Greggs

Walsgrave

Well-Known Member
Apr 5, 2016
297
205
93
16% in a week now - Got any more tips :)
Funnily enough my first post on this thread was about Pearson - they were and are quite a volatile company with a lot of uncertainties about their fundamentals. However, since May 11, they've shot up on two occasions. I didn't go ahead on that one unfortunately, and though I wouldn't use the word regret (I didn't want to invest at the time), in hindsight it would have been a good decision. But as a long term investment there's a lot of uncertainty about how well they'll do, which is probably true of many companies!
 

Sbarcher

Well-Known Member
Mar 23, 2011
2,247
1,196
163
Oxford
Keep an eye on Ceres Power. Heavily involved in hydrogen technology. Up 10% in a week.
 

Covstu

Well-Known Member
Aug 17, 2008
13,425
3,150
163
Costa del Cov
Moved a few quid about over last few weeks. Got out of Kier at 78p, it hurt, but i'm willing to take the hit! Out of Greggs too. Loaded up a few Apple at 370 and got some lovely news regarding a smashed earnings and 4-1 split. Apple, Microsoft and Canopy Growth. Not touching anything with much element of risk at the moment. Going to add some more Apple if it dips, but sitting on my hands for a few months now. Hope everyone is doing well. Good luck :)
I think Kier was one to hold onto as I think like a lot of construction companies, they will be ripe for a takeover down the line
 

skyblue1991

Well-Known Member
Dec 19, 2012
3,550
1,928
213
Have over £500 in my MoneyBox account now.

It fluctuates and currently up by 0.38%

Is this likely going to get high percentage increases, e.g 5%+? I know you shouldn't judge the previous markets but ky understanding is its very likely you'll be making more than you lose

Sent from my I3113 using Tapatalk
 

Greggs

Well-Known Member
May 8, 2012
3,338
2,012
163
I think Kier was one to hold onto as I think like a lot of construction companies, they will be ripe for a takeover down the line
Yeah I was the same, they are carrying a bit too much debt for me and their margins aren't huge...decent order book though, time will tell.
 
  • Like
Reactions: Covstu

Marty

Well-Known Member
Mar 20, 2011
5,442
1,449
163
Some massive bargains about, I've gone from a fairly balanced portfolio, too, well I'm not sure how to put it...

Since the crash, I've picked up RDSB at roughly £13.50 average. BT at roughly £1.15. Now for the mistakes, LLOY at 32p, stupid decision really, I still little value in it, CCL (from a tip on here), got something like £1500 at £23ish (sitting at about £8 now).

Keeping a close eye on Centrica, Taylor Wimpey, Deutsche Post, ITV, De La Rue, Diageo, Iberdrola, Ford, Renault.

I'll continue to pick up Shell and BT as and when possible.

Only debt I have is my mortgage.
Quite possibly the most boring picks ever, They've literally done nothing for the past 3 months. :ROFLMAO: :ROFLMAO:
 
  • Haha
Reactions: Greggs

Walsgrave

Well-Known Member
Apr 5, 2016
297
205
93
Quite possibly the most boring picks ever, They've literally done nothing for the past 3 months. :ROFLMAO: :ROFLMAO:
Out of interest, what was the rationale for Centrica and Iberdrola? I have always been under the impression that the energy sector is volatile at the best of times, with suppliers of all sizes going bust a lot of the time. I don't doubt they could be decent picks!

Diageo on the other hand, I would have thought is a safe bet for the future.