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closed More Junk Junk US Silver
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closed BPM .9999 1 kilo silver bars
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closed $10 fv $185 shipped
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closed Fractional Gold
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By Hidden (Premium Content) · Posted
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With all this intelligent, technical talk going on here, I thought I should contribute: D'yah like my new mug? 😬 -
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A little pic of what I've managed to pick up thus far, Less my recent ones. Just to try to inspire folk to part with their cherished sovereigns. -
Just to add that I am a private/amateur investor with no affiliations. Just outlining basically my own investment approach, and where personally I prefer US stocks over UK FT All share stocks, as that has a third in UK £ home value, a third in US$ stocks, a third in global currency/commodity (gold). Income sourced via imputed rent, dividends, SWR (that in a number of years will be further supplemented with pension income). -
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Just a little reminder to folk that I'm still looking for a few sovereigns. Grateful if anyone can help.
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Some retired (drawdown) investors use a 'safe withdrawal rate' (SWR) method of drawing a income from the total return of their portfolio. With SWR you draw a percentage amount of the total portfolio at the start, say 1.5% SWR, and thereafter each year you increase that £££ amount by inflation as the amount drawn as income in subsequent years, so a nice inflation adjusted yearly income. Other investors just hold stocks and spend the dividends, but where the dividend value is volatile, might in some years halve down, later double up .. etc. is more inconsistent. In the chart below I compare the final portfolio value after 30 years for all years since 1950, where one just spends the dividends, so FT All Share price only stock index with 0% SWR, and compare that to 50/50 stock/gold with a 1.5% SWR, so as though the gold half had provided a 3% net dividend via (usually tax efficient) capital gains. Dividends tend to be treated as income and taxed accordingly, so a 4% historic average dividend might have provided a 3% net dividend after a average 25% taxation rate. For the statistically minded 50/50 stock/gold provided the better risk-adjusted reward, had a lower standard deviation/better Sharpe Ratio. Also the income was more diversified, sourced from both stock dividends and SWR, was inclined to be less variable. Broadly the rewards were similar, better for stocks if you use a 'average' measure, better for stock/gold if you use a 'median' measure. In a small number of cases stocks were much better, had a maximum of 5.635 i.e. you ended with over five times more inflation adjusted portfolio value than at the start after 30 years, but is more a case of a lucky-few, who started at a time when stocks were very low/cheap. If you own your own home, and also retire with a state pension that might be considered as a form of 'bonds', and alongside those hold a 50/50 stock/gold asset allocation where around half of the income that provides is sourced from stock dividends, and half from SWR, then you have considerably broad overall exposure to multiple assets, currencies and sources of income. Where the average outcome is generally good-enough. To better align with that average you might average-in and average-out rather than lumping all-in/all-out at single points in time. As does rebalancing 50/50 stock/gold serve as a form of averaging-out of both stocks and gold. Fundamentally with the right style/asset allocation you can spend many years in a "don't worry, be happy" lifestyle/mindset. So what if gold or stocks rise or fall a lot. Just keep plugging away with averaging in/out and there's a good chance you'll be OK/do-well.
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