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Re: Architas equity fund [Re: Gordon D] #673866
20/11/20 09:13 PM
20/11/20 09:13 PM
Joined: Mar 2012
Posts: 3,838
South Yorks
Clipper Offline
Talk Morgan Addict
Clipper  Offline
Talk Morgan Addict

Joined: Mar 2012
Posts: 3,838
South Yorks
Global equity income is a fairly recent fund so presume Multi Manager UK Equity (check)

What’s her attitude to risk - present fund medium/adventurous

How much invested? £5k+ should be in a spread of funds and sectors irrespective of performance

Present fund middle ranking 119 out of 245 (1 yr Morningstar ranking)

Doesn’t Matter if it’s Architas or Liontrust - fund performance/consistency most important

Better on a platform like Fundsnetwork or AJ Bell to select a choice of funds/fund managers

Lost money since when? Showing loss over 1yr and 3 yr but profit over 5 yrs

Fund portfolios need to be maintained like a car - switch underperforming funds to maintain quality



2017 Ravenblau Blue Aero
2020 Lapis Blue Plus 6 evil You know it makes sense! thinking





Re: Architas equity fund [Re: Gordon D] #673870
20/11/20 09:25 PM
20/11/20 09:25 PM
Joined: Sep 2011
Posts: 13,832
Mandello del Lario
Gambalunga Offline
Member of the Inner Circle
Gambalunga  Offline
Member of the Inner Circle

Joined: Sep 2011
Posts: 13,832
Mandello del Lario
I'm certainly no expert on the UK property market and I have now sold the last of my property portfolio in Sydney. I decided after 15 years that it was just too difficult to manage remotely. In general terms, with rising expenses, the return on commercial property value in Sydney has fallen by 50% in the last 24 years. I really don't see this changing greatly. Low interest rates mean that it is less costly to buy than to rent. Look at Morgan, with an input of capital they bought back the "farm".

I did gain from the increased value of the property but I would hate to tell you what tax I paid on the capital gains. Residential property has been a different story and that is why many office buildings are being converted to residential.

Good residential property is another kettle of fish and historically Sydney stand alone residential properties have doubled in value every 10 years and rentals have remained relatively high.I am sure major cities in the UK would be similar, for example London.

Without a doubt Covid and Brexit have hit the property market but I think that there must be some good buys available at the fringe of popular areas. I suspect independant houses with a garden may be the best to look for. I would certainly be very wary about commercial.

That would be my own take on it and if I was investing in some sort of property fund I would be looking to make sure that they were not too exposed in commercial property.


Peter

[Linked Image]
Re: Architas equity fund [Re: Neptune] #673989
21/11/20 01:23 PM
21/11/20 01:23 PM
Joined: Aug 2020
Posts: 250
Lytham St Annes, Lancashire
J
JohnHarris Offline
Learner Plates Off!
JohnHarris  Offline
Learner Plates Off!
J

Joined: Aug 2020
Posts: 250
Lytham St Annes, Lancashire
Originally Posted by Neptune
There are a lot of knowledgeable folks on here on many, many subjects but personally I would avoid a car forum for financial advice (other than how to spend money on a Morgan).
Well meaning non professional advice, could prove very costly.
An IFA is needed and need not prove costly depending on the advice needed and value of the investments.
IFA’s pay huge sums of insurance, exam fees and like all of us tax. A good one is worth it.
Please feel free to ignore this non IFA, non professional advice.


A very fair observation, however countered by the various mis-selling scandals with massive compensation awards and schemes , eg the recent mis-selling of pensions by professional advisors...........for example as I understand it many advised transfers to pension funds that gave the financial advisor the largest commission........do your own research as much as possible and question any advice given or received whether by a professional advisor or a lay person. Understand your risk appetite and understand there are no guarantees with any investment where prices can both rise and fall.

Also be aware of future government proposals particularly on taxation matters as that may impact your resultant tax bill when assets are crystallised eg the UK is reviewing Capital Gains taxation, as they have made manifesto commitments on not changing NIC, income tax and Vat so that leaves only areas like CGT to change and in the current CGT review is second property gains, buy to let, dividends and equities (shares) and so on. With a massive hole in the Government tax take to recover from Covid, certain assets maybe subject to a much higher tax bill in the near future. Which may have the effect of reducing the future demand for such investments and lead in turn to values falling potentially reducing projected future returns and a higher tax bill than today..





John

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Re: Architas equity fund [Re: Clipper] #675237
28/11/20 08:32 PM
28/11/20 08:32 PM
Joined: Jun 2019
Posts: 566
Aberdeenshire
Gordon D Offline OP
Talk Morgan Regular
Gordon D  Offline OP
Talk Morgan Regular

Joined: Jun 2019
Posts: 566
Aberdeenshire
Originally Posted by Clipper
Global equity income is a fairly recent fund so presume Multi Manager UK Equity (check)

What’s her attitude to risk - present fund medium/adventurous

How much invested? £5k+ should be in a spread of funds and sectors irrespective of performance

Present fund middle ranking 119 out of 245 (1 yr Morningstar ranking)

Doesn’t Matter if it’s Architas or Liontrust - fund performance/consistency most important

Better on a platform like Fundsnetwork or AJ Bell to select a choice of funds/fund managers

Lost money since when? Showing loss over 1yr and 3 yr but profit over 5 yrs

Fund portfolios need to be maintained like a car - switch underperforming funds to maintain quality



Clipper, as a resting porn star you've obviously developed a keen interest in financial matters meantime laugh2
Apologies for the late response and thanks for the advice.
It is a multi manager UK equity.
Taken out around 98-99 on the advice of the then Clydesdale Bank it initially lost money but has shown an overall profit. When she asked for advice at the branch they had no clue.
Your last comment sums it up perfectly. The fund has never been maintained and has underperformed as a result.
She is going to cash it in but has made money overall so not as bad as she initially made out.
Thanks again for the advice 👍


Gordon Duguid
2013 plus 4, Montreal blue.
Re: Architas equity fund [Re: Gordon D] #675278
29/11/20 09:11 AM
29/11/20 09:11 AM
Joined: May 2019
Posts: 278
Hampshire, UK
I
IMHO Offline
Learner Plates Off!
IMHO  Offline
Learner Plates Off!
I

Joined: May 2019
Posts: 278
Hampshire, UK
Does anyone know a Financial Advisor that made them money when most were losing? I have talked to lots and never found one that truly saved their investors from the losses of 2008 / 2009 crash. Just before it happened I was in a hotel in the US reading the free newspaper that was shoved under my door. It was America Today and an article on the future impact of the sub prime market caught my eye. I phoned my pension managers and instructed them to liquidate all equities and Funds, the FOOTSIE 100 was 6800 and 1 week later it was almost half that. Did my FAs see it coming, who knows but either way they did nothing. After that I couldn’t see the point of them anymore.

My neighbour was a FA and is now retired and taking equity out of the house, nuf said.

In a nutshell I think FAs are good when times are good and something else when times are bad. IMHO.


M3W Brooklands (2015)
Moody 41 (2013)
Re: Architas equity fund [Re: Gordon D] #675294
29/11/20 10:20 AM
29/11/20 10:20 AM
Joined: Apr 2008
Posts: 9,562
Gloucestershire, UK
Hamwich Online content
Needs to Get Out More!
Hamwich  Online Content
Needs to Get Out More!

Joined: Apr 2008
Posts: 9,562
Gloucestershire, UK
I am extremely risk averse when it comes to money, I had to work hard to earn every penny and the idea of chucking it away on a risky investment horrifies me. I was watching a news report yesterday about people sinking their entire pensions into some hare-brained scheme to renovate property in Germany which has gone tits-up and left them with nothing or very little to show for it. I wonder how many of them were persuaded into it by over-optimistic IFAs?

Mind you, my strategy of investing in land (on the basis they's stopped making it now) has had an unforeseen result. Years ago we bought 17 acres of prime Cotswold fields, mainly to raise our sheep but also as a long-term investment. The land value has done very well indeed, BUT we've now fallen deeply in love with the land and can't possibly envisage selling it. But I suppose when we're gaga and need to be stuck in a home it'll come in handy to pay the bills.


Tim H.
1986 4/4 VVTi Sport, 2002 LR Defender, 1957 R4 CV, 2005 Ferrari Vipar
Re: Architas equity fund [Re: Hamwich] #675298
29/11/20 10:45 AM
29/11/20 10:45 AM
Joined: Apr 2011
Posts: 8,641
West Paris, France
pandy Online content
Needs to Get Out More!
pandy  Online Content
Needs to Get Out More!

Joined: Apr 2011
Posts: 8,641
West Paris, France
Originally Posted by Hamwich
Years ago we bought 17 acres of prime Cotswold fields, mainly to raise our sheep but also as a long-term investment. The land value has done very well indeed, BUT we've now fallen deeply in love with the land and can't possibly envisage selling it. But I suppose when we're gaga and need to be stuck in a home it'll come in handy to pay the bills.


Years ago my Aunt and Uncle bought a small farm in SW France, with about 70 acres. The recently widowed vieux paysan who was selling it had been persuaded by his son to sell up and moving to a nice little bungalow in nearby Marmande, where he would be close by.

As the completion date approached, I went around the farmhouse with my aunt to draw up estimates for the building work. The poor old codger was distraught, in tears, begging my Aunt not to proceed with the sale. "how will I survive without my land ?" he beseeched his son. His son explained that he wouldn't need the land as he'd have cash in the bank and his pension to live on. The poor guy just couldn't accept that. It was heartbreaking.


Giles. Mogless in Paris.
Re: Architas equity fund [Re: Gordon D] #675299
29/11/20 10:48 AM
29/11/20 10:48 AM
Joined: Aug 2013
Posts: 13,418
Salisbury, UK
Peter J Offline
Formerly known as Aldermog
Peter J  Offline
Formerly known as Aldermog
Member of the Inner Circle

Joined: Aug 2013
Posts: 13,418
Salisbury, UK
Tim, remember that you can also be buried on your own land, after you and shuffled off the driving seat...
You only have to notify The Land Registry, you do not need planning permission unless you want a big headstone.

All you need is 2m deep hole dug by a JCB, your shroud made of fine wool from your sheep and a coffin made from fine english ash, padded with leather, perfect for the Morgan Owner!


Peter,
V8s are best....
Tarka the 'Otter Mog....2014 Plus 8
AMG C63 Estate.


Re: Architas equity fund [Re: Gordon D] #675304
29/11/20 11:22 AM
29/11/20 11:22 AM
Joined: Oct 2019
Posts: 1,480
Aberdeenshire
Image Online content
Has a lot to Say!
Image  Online Content
Has a lot to Say!

Joined: Oct 2019
Posts: 1,480
Aberdeenshire
Agree .... we have the land round the house and the woods .... bought 30 years ago with the intention of never developing it .... our own nature reserve .... as for being 'home-buried' .... an old friend of ours was buried on the hill behind his farm .... coffin carried up there on a decorated farm trailer pulled by his old tractor ...great send-off.

K

Ps Hamwich ..... 'they've stopped making it now' ...except possibly the Dutch and Chinese smile

Re: Architas equity fund [Re: pandy] #675305
29/11/20 11:27 AM
29/11/20 11:27 AM
Joined: Apr 2008
Posts: 9,562
Gloucestershire, UK
Hamwich Online content
Needs to Get Out More!
Hamwich  Online Content
Needs to Get Out More!

Joined: Apr 2008
Posts: 9,562
Gloucestershire, UK
Originally Posted by pandy
His son explained that he wouldn't need the land as he'd have cash in the bank and his pension to live on. The poor guy just couldn't accept that. It was heartbreaking.


A familiar tale. When we stopped keeping sheep ourselves, we let one of our farming friends use it as extra space for his sheep. His farm is in an absolutely gorgeous spot nearby, picturesque as I don't know what. He told us the tale that one day some obviously wealthy people arrived in his farmyard in a brand-spanking new Range Rover, and offered him 3 million quid for the farm, cash on the nail.

He turned them down. His reason? "Well, I couldn't be a farmer then, could I?" I doubt he makes £30k a year from the farm, but it's his life. Good for him.


Tim H.
1986 4/4 VVTi Sport, 2002 LR Defender, 1957 R4 CV, 2005 Ferrari Vipar
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