1
Getting Started / Re: Where do we throw our money now?
« Last post by PHowardUK on June 28, 2014, 08:46:34 PM »Message sent to Neil - to avoid both cluttering up this topic and ensuring inappropriate personalised advice isn't given!
Recent Posts
2
Getting Started / Re: Where do we throw our money now?
« Last post by neilharr on June 28, 2014, 05:08:04 PM »paul
have you seen any equity income funds that you like the look of i would be willing to keep the money invested for at least 5 years
but if the natural yield is not high enough iwould need to take capital withdrawals to give me a 6 to 7% income i would be prepared to take some risk [on a scale of 0-10 possibly 6] and of course it would have to be covered by the FSCS any suggestions would be greatly appreciated
have you seen any equity income funds that you like the look of i would be willing to keep the money invested for at least 5 years
but if the natural yield is not high enough iwould need to take capital withdrawals to give me a 6 to 7% income i would be prepared to take some risk [on a scale of 0-10 possibly 6] and of course it would have to be covered by the FSCS any suggestions would be greatly appreciated
3
Getting Started / Re: Where do we throw our money now?
« Last post by PHowardUK on June 28, 2014, 02:01:35 PM »Desperate Dave - please forgive me if you consider me 'someone off the green'.
Firstly - please don't take this as personal advice.
Well done for picking a relatively high level interest bearing bank account - just stay in the high interest rate bands.
With regard to peer to peer lending - I hate to say it, but this has all the hallmarks of the next investment disaster - potentially high levels of returns, apparent low levels of risk, low levels of regulation and a lack of investor knowledge (anyone heard of something similar?).
While the Economy does well - any hidden issues will be covered up - but any bumps in the road could reveal without warning the risks present.
Don't get me wrong, Peer to Peer lending is improving in quality - but I can't see how it can be considered less than Medium risk.
Although not going to set the world alight - the new Pensioner Bond, which starts in 2015 provides a moderate return (4% on the 3 year fixed rate one) at 'low risk' (unless you feel the UK Government will go bust!).
Also, not exactly the 'best thing in ARM investors minds' - is a new pension!
Currently, it is possible to take up to 3 'small' pension pots as a lump sum - part Pension Cash Lump Sum (25%), part taxed (75%).
Lots of small print - so you would either need to check the rules out yourself - or seek advice.
With also the proposed new flexible drawdown rules - it may be possible to generate a moderate tax free income (Phased Drawdown - Part PCLS and part 'taxable' income - and so if your total taxable income equals your Personal Allowance, it's all tax free in effect).
Again - Lots of small print - so you would either need to check the rules out yourself - or seek advice.
Lastly - everyone should use as many of their 'tax free allowances' as possible - ISA's being a good example.
It may take a few years, but repairing an retirement income stream should be possible.
Again - as a lot of potentially 'personal comments' - please do not take any of the above as personal advice.
(If anyone would like personal advice - I am happy to provide it - all initial discussions are confidential, free and without obligation - and should any advice be provided, it will be at a very competitive rate - please e-mail me if you are interested)
Firstly - please don't take this as personal advice.
Well done for picking a relatively high level interest bearing bank account - just stay in the high interest rate bands.
With regard to peer to peer lending - I hate to say it, but this has all the hallmarks of the next investment disaster - potentially high levels of returns, apparent low levels of risk, low levels of regulation and a lack of investor knowledge (anyone heard of something similar?).
While the Economy does well - any hidden issues will be covered up - but any bumps in the road could reveal without warning the risks present.
Don't get me wrong, Peer to Peer lending is improving in quality - but I can't see how it can be considered less than Medium risk.
Although not going to set the world alight - the new Pensioner Bond, which starts in 2015 provides a moderate return (4% on the 3 year fixed rate one) at 'low risk' (unless you feel the UK Government will go bust!).
Also, not exactly the 'best thing in ARM investors minds' - is a new pension!
Currently, it is possible to take up to 3 'small' pension pots as a lump sum - part Pension Cash Lump Sum (25%), part taxed (75%).
Lots of small print - so you would either need to check the rules out yourself - or seek advice.
With also the proposed new flexible drawdown rules - it may be possible to generate a moderate tax free income (Phased Drawdown - Part PCLS and part 'taxable' income - and so if your total taxable income equals your Personal Allowance, it's all tax free in effect).
Again - Lots of small print - so you would either need to check the rules out yourself - or seek advice.
Lastly - everyone should use as many of their 'tax free allowances' as possible - ISA's being a good example.
It may take a few years, but repairing an retirement income stream should be possible.
Again - as a lot of potentially 'personal comments' - please do not take any of the above as personal advice.
(If anyone would like personal advice - I am happy to provide it - all initial discussions are confidential, free and without obligation - and should any advice be provided, it will be at a very competitive rate - please e-mail me if you are interested)
4
Getting Started / Re: Where do we throw our money now?
« Last post by neilharr on June 28, 2014, 12:43:37 PM »i am looking to put £15'000 into some sort of equity income fund in an ISA wrapper two which have caught my eye are the neilwoodford equity income fund and rathbones global opportunities fund
5
Getting Started / Where do we throw our money now?
« Last post by Desperate Dave on June 28, 2014, 12:06:27 PM »Now that some of us have received our compensation, and others are expecting to quite soon, is it time to turn our thoughts to what best to do with it. My original investment was to provide regular income throughout my retirement and was yielding about £7k p.a.
£50km compensation, plus what savings we have will struggle to match this, which potentially leaves a bit of a shortfall in my financial planning.
I don't intend to seek financial advice, because the sum available does not excite IFAs, advice would be too expensive compared with returns and I am conscious of where "advice" got us previously.
For the time being, I have placed two lots of £20k into Santander 123 accounts for the wife and me, which yields 3%. Not fantastic, but not to be sniffed at and it's safe and readily accessible.
I have been considering peer-to-peer lending, which offers better returns but with an element of risk. The likes of Wellesley look fairly safe and I am tempted to start with a small flutter to get a feel for it.
I wonder if anyone has other (hopefully better) ideas or simply useful comments on this topic.
I would prefer non-players to stay off the green, as they say at our local bowls club.
Dave
£50km compensation, plus what savings we have will struggle to match this, which potentially leaves a bit of a shortfall in my financial planning.
I don't intend to seek financial advice, because the sum available does not excite IFAs, advice would be too expensive compared with returns and I am conscious of where "advice" got us previously.
For the time being, I have placed two lots of £20k into Santander 123 accounts for the wife and me, which yields 3%. Not fantastic, but not to be sniffed at and it's safe and readily accessible.
I have been considering peer-to-peer lending, which offers better returns but with an element of risk. The likes of Wellesley look fairly safe and I am tempted to start with a small flutter to get a feel for it.
I wonder if anyone has other (hopefully better) ideas or simply useful comments on this topic.
I would prefer non-players to stay off the green, as they say at our local bowls club.
Dave
7
Getting Started / New Members - Catching up with the history.
« Last post by Alan.Shanks on September 24, 2012, 01:24:20 PM »Dear New Member
Welcome to the ARM Investors Forum.
We hope it achieves its objective of providing you with a constant flow of information and knowledge relating to your investment in ARM.
And that it will help you be better prepared for whatever decisions lie ahead.
However we do realise we have amassed a daunting number of posts on a wide range of topics and it is not easy to know where to start.
We would direct you first of all to what we have called the Timeline. TIMELINE LINK
This is a constantly updated list of the significant events and milestones in this debacle so far.
Many of the entries in the Timeline have links to related articles, press releases, ARM announcements or discussions on the Forum.
Just below that in the same section we have Linked Items. LINKED ITEMS LINK
This contains links to a wide variety of documents and articles submitted by members which others have found useful.
From those starting points you can use the search facility to track down information and discussion on topics of particular interest to your own situation.
And of course you can easily create a new topic or post to an existing topic to pass on information, ask questions etc.
You may get humour in return, you may get despair, you may get a member letting of steam, you may get a straight factual answer.
But in the main you will not be ignored because we share a common bond, however varied our circumstances.
Best Regards
Forum Admin Team
Welcome to the ARM Investors Forum.
We hope it achieves its objective of providing you with a constant flow of information and knowledge relating to your investment in ARM.
And that it will help you be better prepared for whatever decisions lie ahead.
However we do realise we have amassed a daunting number of posts on a wide range of topics and it is not easy to know where to start.
We would direct you first of all to what we have called the Timeline. TIMELINE LINK
This is a constantly updated list of the significant events and milestones in this debacle so far.
Many of the entries in the Timeline have links to related articles, press releases, ARM announcements or discussions on the Forum.
Just below that in the same section we have Linked Items. LINKED ITEMS LINK
This contains links to a wide variety of documents and articles submitted by members which others have found useful.
From those starting points you can use the search facility to track down information and discussion on topics of particular interest to your own situation.
And of course you can easily create a new topic or post to an existing topic to pass on information, ask questions etc.
You may get humour in return, you may get despair, you may get a member letting of steam, you may get a straight factual answer.
But in the main you will not be ignored because we share a common bond, however varied our circumstances.
Best Regards
Forum Admin Team
8
Getting Started / POLLS and VOTING
« Last post by Les on September 24, 2012, 01:07:52 PM »Hi
POLLS are completely anonymous, and no-one can see who voted for which option, nor can it be seen whether any one member has voted or not. The results of a POLL are indicative of members feelings, and are used to gauge the members feelings, in general, on a particular topic. The Administration Team would not act on the outcome of any POLL without further discussion in the forum.
For obvious reasons, only members may vote in any of the POLLS, and VOTING is encouraged. Votes cannot be counted/included by any other means (ie email), as a POLL cannot be 'amended' by anyone at any time to provide 'proxy' votes.
POLLS are completely anonymous, and no-one can see who voted for which option, nor can it be seen whether any one member has voted or not. The results of a POLL are indicative of members feelings, and are used to gauge the members feelings, in general, on a particular topic. The Administration Team would not act on the outcome of any POLL without further discussion in the forum.
For obvious reasons, only members may vote in any of the POLLS, and VOTING is encouraged. Votes cannot be counted/included by any other means (ie email), as a POLL cannot be 'amended' by anyone at any time to provide 'proxy' votes.
9
Getting Started / Administration Contact email address
« Last post by Les on April 18, 2012, 01:20:12 PM »10
Objective / Policy of the forum
« Last post by Les on December 07, 2011, 05:18:38 PM »We encourage all ARM Investors and pending Investors to join this forum.
We have no affiliation with any of the commercial companies involved in the ARM Bond sales or ARM Securities management.
We have no connection with any of the regulators such as FSA, CSSF (Luxembourg) nor do we have any connections to any of the Independant Financial Advisors who may have been involved with ARM Security advice.
This forum is an offshoot from the ARMHelp blog site, where there was not an easy way to read new postings, and where now, all postings are moderated prior to publication. This forum offers a much better presentation to the members, and does not moderate posts unless obviously abusive etcetera.
This forum is owned and run by ARM investors who are not associated with any other company or association, and not affiliated with the ARMHelp blog site.
We encourage all members to express their views and opinions freely, with the obvious exceptions for abusive or libellous posts.
We encourage members to inform any other investors who may not be aware of this forum to visit and join in the discussions.
We have a registration process. This is only to prevent web crawler type programmes from trying to advertise porn and such things, and to prevent harvesting of email addresses. Any genuine visitor will get all the help necessary if problems arise with the registration process.
We have no affiliation with any of the commercial companies involved in the ARM Bond sales or ARM Securities management.
We have no connection with any of the regulators such as FSA, CSSF (Luxembourg) nor do we have any connections to any of the Independant Financial Advisors who may have been involved with ARM Security advice.
This forum is an offshoot from the ARMHelp blog site, where there was not an easy way to read new postings, and where now, all postings are moderated prior to publication. This forum offers a much better presentation to the members, and does not moderate posts unless obviously abusive etcetera.
This forum is owned and run by ARM investors who are not associated with any other company or association, and not affiliated with the ARMHelp blog site.
We encourage all members to express their views and opinions freely, with the obvious exceptions for abusive or libellous posts.
We encourage members to inform any other investors who may not be aware of this forum to visit and join in the discussions.
We have a registration process. This is only to prevent web crawler type programmes from trying to advertise porn and such things, and to prevent harvesting of email addresses. Any genuine visitor will get all the help necessary if problems arise with the registration process.