What return do you get on your investments

elmarko said:
If (need to confirm this) I can join 3 at once at the maximum rate (£250 a month for each one, so £750 per month total) I may be able to get one to mature each year, with the SIP shares maturing monthly after 5 years (which should be cool) but I'm not 100% on the share-save one yet.
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£250 max per month across all the schemes you have running in save as you earn. I split mine down to £80 something per month for 3 schemes so £250 total, so I get one pay out each year over 3 years and will start another as one ends.

My first matures next year when the share price was £3.80 as the option price and they currently sit at over £12.50. Knowing my luck they will take a dive before next may and I can say goodbye to a free new dslr and lens :D
 
Correct - SAYE schemes like this are limited to £250 per month across ALL open schemes.

Fantastic schemes though. As already stated, initial discount and the option to just keep the cash you've saved, normally plus a little interest too, if you don't want to exercise the option.
 
The_Abyss said:
Correct - SAYE schemes like this are limited to £250 per month across ALL open schemes.

Fantastic schemes though. As already stated, initial discount and the option to just keep the cash you've saved, normally plus a little interest too, if you don't want to exercise the option.
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dannyjo22 said:
£250 max per month across all the schemes you have running in save as you earn. I split mine down to £80 something per month for 3 schemes so £250 total, so I get one pay out each year over 3 years and will start another as one ends.

My first matures next year when the share price was £3.80 as the option price and they currently sit at over £12.50. Knowing my luck they will take a dive before next may and I can say goodbye to a free new dslr and lens :D
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Ahh, thought as much - why was going to confirm (otherwise I'd be laughing.).

I went for the SIP instantly as it was much better, but didn't really look at the share-save until a couple of weeks ago (just signed up to 100 a month for now, 100 next year, then 50 for the final me thinks).

Cheers for the info guys.
 
A shade under 30% over the last 12 months, which I am pleased as punch with. Four simple OEICs, nothing fancy, just does the job. TER of the lot comes to about 1.2%,so they're relatively cheap for actively managed multimanager funds.
 
jsmoke said:
So you have bank interest rates, inflation and investment return rates.

I read that hedge funds can get up to 18% return. So for those who invest in stocks, bonds, property, gold etc what return do you get?
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Hedge funds can return a lot more than 18%. Just not many of them, and the ones that do will only achieve those returns over a short period e.g. one year.

The average return is much lower. Some have the potential to wipe out your investment.
 
6% residential letting, 10% retail letting, a little work but low risk.
3.1% in a UK bond tied up for 2 years.

Those are your only real options right now, unless you can afford a Rembrandt.

No hedge fund is making 18% per year consistently, unless your name is Bernie Madoff, but then you'd be doing 250 years in prison.
 
silversurfer said:
Owning your house counts, its usually the best one as you know the customer :p
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Well in that case I'm hoping to make a 75% ROI on the place I bought a couple of years ago when we sell next year :)

silversurfer said:
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The shares sold at 1p, £18 now
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The dream!

mcast said:
No hedge fund is making 18% per year consistently, unless your name is Bernie Madoff, but then you'd be doing 250 years in prison.
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There are quite a few that offer those kind of returns. Obviously funds may have a dip or two, but hedge funds and CTAs like Winton Capital, Greenlight, Bridgewater's Pure Alpha Fund, OxAM, etc.

Of course, most of the more durably profitable tend to by systematic, managed futures or increasingly relative value strategies. Doesn't always work out thought if you take MAN AHL's recent performance into consideration.
 
elmarko said:
Work share incentive plan & share-save are both OK.

For the SIP over 5 years I'll put in £3,600 & get out at least £10,800 (more likely £13,000) (2 free matching shares) - assuming share prices at least remain stable (historically they have been pretty stable - with a slow increase) - the added benefit of this is the salary sacrifice element (so works out even better).

For the share-save I get 20% off the price (at today's rate, for 3 years) - so assuming the share prices behave in a similar fashion to the last 3 years I'll make about 30% (so £9k in, £12k out)

Sadly they limit the amount you can put in, but you can join one each year.

If (need to confirm this) I can join 3 at once at the maximum rate (£250 a month for each one, so £750 per month total) I may be able to get one to mature each year, with the SIP shares maturing monthly after 5 years (which should be cool) but I'm not 100% on the share-save one yet.
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Hmmmm wouldn't happen to be a FTSE100 company would it ;) with an internal magazie called Assay?
 
feriso said:
Hmmmm wouldn't happen to be a FTSE100 company would it ;) with an internal magazie called Assay?
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Wife worked for GSK and did very well out of the share schemes so much so that I'd say even if you can't afford it you need to max out on what you can invest every month regardless it's a no brainer.
 
^^ those are one of the best schemes, basically a share bonus. Does need the company to go up

You'll be able to retire on that £25 ISA in about 3000 years
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2% is negative return, in ten years that will buy about 7% less then it does now. One day we'll all be millionaires and a loaf of bread will be £30, one hundred years ago 1 pound was enough to buy a months groceries
 
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silversurfer said:
^^ those are one of the best schemes, basically a share bonus. Does need the company to go up
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Not really, unless the share price drops less than a third of what it is when purchased then you will always be quids in....

-> sacrifice £50 salary = £150 shares
-> no increase in share on sale of shares = £150 (£100 up)
-> 50% drop in share price =£75 (£25 up)
-> 20% increase in share price = £180 (£130 up)

Its very hard to lose money on this....
 
I took a rather silly risk when BP had that oil spill a few years back

at the time I took out a rather hefty loan for a new car. In a moment of complete madness I put it all into BP shares. Kept my current car and paid the monthly payments till the share price rose back up again.

Bought the car I was after, paid the loan back (what was left of it after two years of payments), paid pretty much every single debt I had apart from the mortgage, went on holiday and stuck a grand in an ISA

Will never do it again, it was a silly thing to do, but thank god it paid off
 
feriso said:
Not really, unless the share price drops less than a third of what it is when purchased then you will always be quids in....

-> sacrifice £50 salary = £150 shares
-> no increase in share on sale of shares = £150 (£100 up)
-> 50% drop in share price =£75 (£25 up)
-> 20% increase in share price = £180 (£130 up)

Its very hard to lose money on this....
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Your forgetting that the deduction is on gross salary not net. Plus you can't sell the matching shares for 3 yrs and its 5 yrs before they are tax free

2:1 is a nice ratio, our scheme is 1.5. Still though, it's free money and they also accumulate dividends immediately unlike SS schemes. Reinvesting these makes a huge difference.
 
wow divs too is great
In a moment of complete madness I put it all into BP shares.
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Diving into the unknown (ie. 'its a name I recognise' kinda thinking is off) was maybe rash but cars rarely go up in value so seems a fairly balanced idea. You were going to spend the money anyway right ?

You made the sacrifice of struggling on with the old beast, so long as thats feasible it puts a limit on your risk and an immediate cost to your actions.

Ive heard far worse, so long you define your risk and are realistic on rewards then nope not madness. You could not repeat this but say I'll try to use the profits on similar ideas in future, again limiting losses in hope of gains vs just spending the rewards now
 
silversurfer said:
^^ those are one of the best schemes, basically a share bonus. Does need the company to go up



2% is negative return, in ten years that will buy about 7% less then it does now. One day we'll all be millionaires and a loaf of bread will be £30, one hundred years ago 1 pound was enough to buy a months groceries
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How do you know that "in ten years that will buy about 7% less then it does now."? Any profe please? ta
 
The_Abyss said:
Without going into the sums, 2% annual return vs. 2.7% inflation (or whatever it is now). Slow loss year by year.
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I think you have lost where we are, we were referring to the share schemes where you but one and then get an additional 1.5 or 2 shares given to you (but locked for a number of years) so, iuf you see my post above unless shares drop to a third of thier price on purchase (accounting for inflation) then you will always be up.

£50pcm sacrifice = £150pcm shares = £1,800pa in shares. So, i think that beats 2% ?
 
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