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The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ Profile
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ

@TheReluctantIn2

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Retired in 2020 living off #ISAs and #SIPP #pension . Reluctant investor who's picked up more about investing than he ever wanted to

Yorkshire
Joined January 2020
Don't wanna be here? Send us removal request.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
5 years
I wanted to anonymously share my retirement investment journey as so many others have on Twitter, many of whom have made me wiser and (mostly) wealthier. If you're wondering how you go about choosing and managing investments, I hope I can contribute in some way.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
Finally got our van, 12 months after ordering so please forgive off-topic pics but we are both soooo excited to finally get away. Even ice on inside windows Monday morning didn't deter us and we've been rewarded with great 2 days at Wasdale.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
8/8 So I hope some of the mistakes I make help others out there. And that's it. I'm not selling anything or luring you to a paid sub - there are plenty of better folks than me 4 that. If you got this far, thanks for reading! I'll outline how I've approached the pfs tomorrow...
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
4 years
I track my holdings via Googlefinance and a mahoosive sheet. Finally distilled holdings by size and hope the screen grabs are legible.I KNOW I have too many btw and have filtered the sub 1k like #BUR which were an experiment to prove I'm not a stock picker...
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
7 months
My Dad's transitioned to a palliative pathway so forgive the brevity but I've blogged 2023 review here and a couple of grabs rather than a large thread...
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
7 months
Been a bit hectic recently with both a neighbour and my own Dad in hospital for most of December so just time to tweet EOY 2023 of......๐Ÿฅ๐Ÿฅ๐Ÿฅ...3.63%! Will comment further sometime in Jan but #DGI9 alone pulled it back 28k so overall mustn't grumble. Have a great New Year.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
9/9 Trying to build conviction to hold larger amounts of fewer holdings is my challenge, one I may never rise to. Here are our top 30 currently. That's enough and well done if you got this far.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
Just woken up to the fact that our @OctopusEnergy Flexible Tariff means our annual bill about to go from ยฃ1300 to nearly ยฃ3000. Gas price 12.7p/kwH is above the price cap of 7.37p, so gas bill actually trebling. To say Mrs RI's flabber is ghasted is an understatement...
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
I'd switch MPs' pensions to DC from DB. They're all for being in touch with the electorate after all.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
10 months
Down 40k+ in around 2 weeks whilst on a 3k holiday. I'm sorry to say that I've got another one in mid-Oct so stay behind that sofa is only advice I have. Oh, and take a good look at debt alternatives to equities maybe? ๐Ÿค”
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
๐Ÿงต on why I'm still on Twitter and what I think my USP is. I mainly saved/invested in equity OEICs whilst working and bringing up kids. GFC saw my SIPP drop 40% to 60k and I realised I'd need to get more hands on if I was ever to retire before SPA (67). I'm 57.
@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
5 years
I wanted to anonymously share my retirement investment journey as so many others have on Twitter, many of whom have made me wiser and (mostly) wealthier. If you're wondering how you go about choosing and managing investments, I hope I can contribute in some way.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
Well the 2021 scores are on the doors. Q4 up 5% Overall pfs up 22.5% according to HL. SIPPs 22 & 17 Income ISA 22 HR ISA 35 (RI sub pf <9!) Best ever year for me and must be due in part to the great community that is #finTwit All the best for 2022. Off back to isolating...
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
I'm not a monarchist but can't help but feel saddened by the loss of someone who set such a high standard for public duty, particularly in recent times compared to our elected leaders. #RIP Queen Elizabeth
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
1 month
Q2 score is on the door...๐Ÿฅ๐Ÿฅ +3.74% overall making YTD +2.81 Nice to see the inc. ISA produce an avg so far of ยฃ1876/m vs ยฃ1620 last year My SIPP on ยฃ2275 vs ยฃ2234 reflecting all those boring yields (and #DGI9 ) Mrs RI's ยฃ1770 vs ยฃ1683 Natural yield >80k now. Not all is spent!
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
1 year
Not impressed with how you're all looking after markets whilst we're on the Laugavegur, but here's a couple of pics to hopefully lighten the mood...
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
Greetings from Coniston. Another freezing van break - planning to walk up Wetherlam tomorrow.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
4 years
Never lose sight of WHY you invest. For me it's to have the freedom when the weather's good to sneak a 20k walk in. Mrs RI thought we were just off for a couple of hours but #CarpeDiem an' all that....
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
7 months
Been a bit hectic recently with both a neighbour and my own Dad in hospital for most of December so just time to tweet EOY 2023 of......๐Ÿฅ๐Ÿฅ๐Ÿฅ...3.63%! Will comment further sometime in Jan but #DGI9 alone pulled it back 28k so overall mustn't grumble. Have a great New Year.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
Quick Q2 update based on HL totals as always. Up 8.43% in Q2 for total of 12.58% YTD. SIPPs up 9.8% Inc ISA 11% Growth ISA 26% More details sometime in July when have time/am not on holiday.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
Whatever your portfolio has lost/won, whatever investments you've bought, this matters naught when the real blood is on the real streets of Ukraine. Thoughts are with those suffering at Putin's hands whilst he scoffs at a divided Europe.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
1/9 Better late than never ๐Ÿงตon where our income derives. We have 4 basic PFs: Our 2 SIPPs more cautiously positioned than our ISAs from which we draw the tax-free allowances covering basic existing My ISA meant to cover holidays etc... Wife's growth ISA meant to be higher risk
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
8 months
Best wishes to all followers (and everyone else too) for a happy festive season. Thoughts go out to those for whom it is a more difficult time and as Dave Allen used to end with, "May your God go with you"
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
I should say that if you're starting out on your investing journey, aren't yet a 40% taxpayer but can afford to invest, what might seem a small ISA now can eventually turn into a tax-free income machine when you're my age (or younger if better than me at growing it)!
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
Tax rebates into a SIPP for a 40% tax payer are literally a free future lunch or 10. Almost 67% immediate gain (ยฃ600->1000) without taking any investmemt risk. No brainer for most. I borrowed to max this out in last 5 yrs of working.
@TheSecretAcct
The Secret Accountant
@TheSecretAcct
3 years
As well as tracking your YTD returns itโ€™s good practice to track what you managed to add to your ISAs and SIPPs. Returns are great of course but donโ€™t forget the other massive wealth builder - tax free investments (ยฃ20k ISA and ยฃ32k SIPP).
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
This is an absolute steal of a read (for ยฃ0.00 for the e-kindle version). First time I've dipped into it. Thanks to @ii_couk podcast for the heads up.If you don't know where to start with ITs I recommend digesting over several sessions. No surprises to me re Yale strategy and PE!
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
1 year
Please don't lose sight of why you're investing and do whatever your version of YOLOing is. For us last week it was porpoises and seals at Robin Hood's Bay.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
@JohnRalfe1 Living within our means, not chasing a bigger house and average investment returns allowed me to stop at 54 (in 2019). Never been happier and 10 yrs of miserable commuting made it an easy decision. And yes, I could and did WFH too.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 months
Entered #JGGI with 5k in higher-getting-lower risk ISA. ๐ŸŽฉtip to @InvestorMidlife who first brought it to my intention. Off for more walking on the SWCP now..m
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
1 year
Off to Iceland via Faroes today. Someone's got a big "van"!
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
1/10 Scores are on the 2022 doors. Overall PFs YTD is -10.49% after adding up what's in the HL accounts and adding in the cash withdrawn over the year. Corresponds well enough with Sharepad's totals. Would have been nice to get to <10 but at least I haven't lost 2021 gains.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
Smuggled some valued comestibles over the Pennines for a first walk on Pendle Hill. Wasn't too sure witch way to go. Seems markets didn't need me looking in on them today anyway. Definitely at an ATH!
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
10 months
Kathmandu feels like Bangkok's younger, smaller, nicer brother! Great place to experience what a place without a planning dept or H+S might be like...
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 months
Nice to see those HL trading refunds arrive. What I learnt is that I'd probably be tempted to top-slice/sliver and top-up more if it wasn't costing ยฃ11.95 to do it.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
Had my first jab today (OxAZ) at local Boots. 1st class and no side-effects 90 minutes later. Celebrating with Rof6 on what could turn out to be hottest day of the Yorkshire year so cheers to everyone's freedoms being regained, especially for those younger than me. ๐Ÿฅ‚๐Ÿป
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
1 year
Just boarded Hull ferry. Already feels like we're in mainland Europe after tall German pushed in on drinks queue. #stehenInSchlange
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
1 year
Iceland not quite doing what it says on the tin on our first day here. Not grumbling mind. Whale sighting in fjord on way into port and 24ยฐC Seemed rude not to see a couple of the 10k waterfalls here ๐Ÿ˜Š
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
Finally spare time coincides with good weather window. Wainwright bagging beckons and Scafell looked good at lunch stop on the way to Eakdale.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
For anyone still awake here's my risk-on ISA holdings. Some held for a while. New positions recently are #IPO re-entry, #AAZ , #TRIN , #RBGP and #MANO . Promise I won't start tweeting daily ups and downs. Honest.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
5 years
A few facts: 1) I'm not Warren Buffet 2) I don't want investing to be an alternative "job". I retired so I could finally make use of all that saving/investment before I'm too old to get some #adventureBeforeDementia 3) I prefer boring investments to a gamble
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
Just playing with an IT screener in Sharepad and looking at largest discount ITs > 500M MC. I already have 6 out of the top 10...
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
Not sure how pricey things are gonna get back home, but in Pamplona you get a vino and pintxo each for โ‚ฌ10 dead. Feel more like a bargain Brit in the sun with each passing day. PS, I also asked for some extra bulls whilst here ๐Ÿคž
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
Quick total for 2022.Q3 is - 6.58% bringing YTD down to -12.45% . Will update with figures etc.. on Monday when we finally return home.
@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
Total for Q2 is -5.19 taking YTD to -6.44%. As ever HL totals + removed income. Sharepad numbers usually disagree by a niggle. But at least my ISA is still breathing thru' its nose ๐Ÿ‘ Will "add colour" as the phrase goes when I can, although likely end of July tbh.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
Total holdings board where #ICGT has replaced #OCI as top (P)E holding.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
7 months
@s8mb It's all a lot easier to understand once you realise we live in a gerontocracy
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
1 year
Faroes campsites aren't exactly renowned but the view for breakfast here in Gjogv has made us stay our last night here too.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
5 years
I turned 55 in Spring 2020 and will be living off my investing wits. Unlike many other peeps who express percentages, I'll try to be open about the actual amounts allocated to various asset classes and how I fare in my own choices. I won't be tweeting daily about valuations!
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 months
@conkers3 @marxnd @neetusquire1 @EduardMallia @HTVIOLA @FlyingFinance @BlueWhaleCap @Mike24775926 @Tommo33s @annabelbrodies @GeorgeO @dbmutton @RaeSnape @EMR_Recruitment @SethLevine2 @claudiohfox @MY21_Oracle @sunsuneti1 @Kirsty_Doyle_ @TunbridgeJacqui @DianaEPatterson @davedhannoo @ZephsCafe @Jarvy55 @sanjkareer GW to you all too. Hope this raises a smile for the weekend from Dartmoor this week.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
4 years
To those who took me over 600 followers many thanks. Bit quiet ATM as just moved from week in Norfolk to the Lakes 4 just the two of us. Ambleside was rammed! Here's a sunrise pic from Horsey Gap in the meantime. Hitting the fells for next couple of days whilst weather holds.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
My son finally realises I know some thing!
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
Re-entered ยฃ20k of #SMIF in our SIPPs. That extra ~8.6% yield income should just about cover next winter's energy bill hike ๐Ÿค”
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
10 months
Quick Q3 summary before we dine out in Granada. Despite #DGI9 's best efforts managed +1.07% and so just -1.36% YTD. As always based on actual HL totals. GWA.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 months
@conkers3 @marxnd @HTVIOLA @stealthsurf @annabelbrodies @dbmutton @JamieCDubya @EMR_Recruitment @SethLevine2 @Jarvy55 @claudiohfox @RaeSnape @neetusquire1 @sanjkareer @DianaEPatterson @TunbridgeJacqui @karenwi17092279 @Kirsty_Doyle_ @MY21_Oracle @davedhannoo @BeckyBooJames @DonaldLeggatt @sunsuneti1 @ZephsCafe Have a great weekend all. Busy up here on North Coast of Scotland!
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
1 year
Added another 2.5k of #PHNX to income ISA today just before a walk from Akureyri. That's us crossing some snow!
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
10 months
Dipped a 5k toe back into #CLDN at 3313. Should really make it a core SIPP IT holding instead of messing with alternative income stuff like #SONG and #DGI9 . #stickToYourKnitting
@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
I'll unashamedly admit I'm trying to trade #CLDN now as I've sold the 30k holding in my SIPP. I have enough equity exposure and this may prove a mistake, but if it doesn't revisit the recent lows so be it.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
10/10 So just leaves me to wish everyone a Happier New Year, hope your PFs have done what you kinda expected and here's to us all bettering our own selves in 2023.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
If you enjoy the thrill of investing in what is basically a casino at times, then at least mark your enjoyment against performance of these 2 PE trusts. New followers may not be aware of my bias to Private Equity, but both #SLPE and #OCI released NAV uplift RNSs today. DYOR
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
1/2 Quick update on the good (?!), the bad and the ugly. Interesting how the income ISA has been my standout performer YTD so far. One good (diversifier) about income is they can't ask for it back.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
Heading off to the festive bunker now so would just like to wish everyone a Merry Xmas and hopefully a wealthier New Year.๐ŸŽ„๐Ÿคถ I'm lucky to be spending it with loved ones but heart goes out to all those who can't.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
4 months
Quick score on the Q1 door... -0.75% On the plus side, I've "only" got 58 holdings now as I gradually rationalise to bigger holdings in things I feel I can place more trust in. Top/btm 10 performers this Q below. #APEO โญ๏ธafter announcing buybacks 1/2
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
Added 2.5k to #THS . The RI Mining ETF now has #SLP (~7k) #TRIN (6.5k) #THS (7.7k) #CAML (5k) and #PXC (5k). ๐Ÿฟ may well be needed by the skip-load!
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
๐ŸŽ„Merry Xmas to all.๐ŸŽ„ If you're able to spend it with your nearest then count your blessings. If you're working, then thank you for keeping everything going. ๐Ÿ™ If you're isolating then I hope you can stream something to keep your spirits up.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
I may have banged on once or twice before about my favourite form of equity!
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
@wheeliedealer So if you're in an average house, you stand to lose over half of it. If you've got 1 worth 1.5M, you're going to lose....86k. Seems fair to me.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
Despite this week's wobble, it thankfully barely registered. Despite redirecting effort from SIPPs to HR WifeISA I'm more than happy with all YTDs. Trick is differentiating between my active management and dumb luck/market! May know in 5 yrs or so...
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
Enjoyed a break from the chaos this weekend concentrating on what matters. Lovely 27k walk to Hebden Bridge via Stoodley Pike and back.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
Weather too good to turn down a last van trip of 2022 and chose Hope for a couple of nights. View of tomorrow's Mam Tor jaunt from Win Hill today was grand. In the Old Hall pub now - brassic outside!
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
Bought 5k each of #PXC (for future) and #CAML (for now) in higher risk ISA. Thanks for the feedback. Already have some #BRWM in SIPP.
@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
I've never tried to invest in Dr Copper at all, except accidentally via other miners. Anyone got any leads for for me to research for fairly debt-free companies that are actually producing the stuff right now? #AskingForAFriend
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
Glad I kept a decent holding of #CLDN in my SIPP despite a couple of top-slices. That thud this morning was the special divi. A decent equity-based IT core holding that does its own top-slicing periodically via special divis.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
4 years
Anyway, cheers everyone.Not often we get days like these oop North so gotta enjoy them when you can. Carpe Diem.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 months
LEJOG Day 11 Traffic free roads in the main today and reached the ~half way point in Sedburgh. Nice to be opposite North again amidst hills. Sedburgh used to be in Yorkshire and got moved to Cumbria I believe. Their loss๐Ÿคฃ
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
Happy New Year to all and I hope it brings you prosperity and above all health and happiness. My investing NY resolution is to try to sit on my hands even more.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
9 months
Demanding and stunning in equal measure, we've completed the Manaslu circuit and heading home tomorrow so my normal lamentable X output should resume next week. Namaste.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
10 months
@jpsc01 UT:Royal London Extra Yield managed by Eric Holt. Use it in several PFs. IT: I use #MGCI targets SONIA +4% #TFIF and #SMIF for exposure to RMBS, CLOs Twenty Four AM have a decent reputation
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
5 years
4) I'm married and both kids are now away at Uni 5) I live in God's own county of Yorkshire
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
1 year
Wasn't looking forward to checking Q2 figures but basically up 0.1% (-2.7 YTD) Here's a rare (for us) pic of the sun on the West of Iceland to errr.... celebrate. tldr: PE up, commodities and RE down
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
1 year
Scores on the 2023.Q1 doors are (unsurprisingly) disappointing (HL valuations as always plus cash withdrawn) although SP usually more optimistic on the bid... Overall โฌ‡๏ธ 2.59% with SIPPs taking more of a battering than equity-heavier ISAs for once. 1/4
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
@wheeliedealer You haven't got kids, have you?!
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
4 years
@RidyardMike I have resolved not to buy any more individual stocks involving extracting anything from the ground. To those who claim Twitter only full of success, I present 50-95% losses on #SXX , #HUR , #TRIN . #AAZ flat. #AUCO ETF only winner. 1k position sizes proved prudent ๐Ÿ˜
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
4/ I remain unverified and anonymous so that I can be as transparent as possible regarding actual amounts etc... You'll have to decide if I'm genuine or just another BSer. There are plenty of rampers (Google it) and it's taken me a couple of years to work most of them out. Most!
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
4 years
@wheeliedealer I think when lockdown is over, perhaps you and @InvestedGeordie could have a quiet reconciliatory chat over a drink or two? Seems to me you're both honest and open enough not to let #lockdown spoil things. Stay safe both!
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
@annabelbrodies I rode that advice in 2008 down 40%. What I learned from that 1) fund industry has to say that as FMs stay invested 2) equities aren't the only lunch 3) PIs CAN time the market enough to have an edge even if just use EMA crosses 4) don't touch banks!
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
4 months
Quick filter in SharePad if anyone interested...
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@annabelbrodies
Annabel Brodie-Smith
@annabelbrodies
4 months
I want to see @RidyardMike 's list of trusts he holds that you don't pay stamp duty on. You don't pay stamp duty on trusts which are domiciled outside the UK - most are domiciled in Guernsey & Jersey. Domicile is shown for each member on the AIC site eg.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
1/6 Rain has stopped gardening/isolating play so a few simple learning points for me from 2021: 1. It's proven easier to make money out of positions in ITs that I know well versus new SC stocks I'm getting to know. Aim to stick more to my knitting and reduce # of holdings in SCs
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
5 months
Amazing how #SONG SP can shrug off another (7%) reduction in NAV due to what sounds like a spreadsheet error. Glad I exited with only a 30% loss in the end.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
1 year
Away on the Gower for a week after successfully negotiating the world's largest pothole also apparently known as the M4. Was very pleasant in Great Malvern on Thursday. GWA, don't spend all this week's paper profits too soon.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
Another good listen and managed all in one go too. Hope @wheeliedealer gets his diet sorted too - your health is just like your wealth pf. A little bit of (AIM) junk won't kill you but too much is a bad thing. I use our HR ISA as an example featuring #PCF
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@conkers3
Peter Higgins (conkers)
@conkers3
3 years
BRAND NEW๐Ÿ”ฅ #TwinPetesInvesting #VIDEO #Podcast 49๐Ÿ”ฅThe #FUTURE is #Digital #NASDAQ #TESLA $DJIA #FUTR #FTSE #VODAFONE #BT #AIR #DGI9 #PCF #SFE #INSG $BTC $DOGE #DIA #PSYCHOLOGY #INVESTING #TRADING #CHARTING #AI #EV #INFRASTRUCTURE #STOCKS #TECH #CHARITY &
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
Total income of 60.8k, giving yield of ~3.9%. That's out of total gain of almost 300k (thanks #PCF valued at 0 by HL). Withdrawn 50k from ISAs this week to fund probable Capex over the coming months. Content to try and keep hold of this for 2022 tbh.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
5/ I'm not here to dole out tips. If you're starting a pf, my only "advice" would be to ยฃ/$-cost average into a passive equity index for a year or 3. Pick 5 or so shares to follow (RNSs/report) over that time and run a dummy pf to see if you're better than an index (most aren't!)
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
4 years
@conkers3 @diyinvestornet @slarratt1 @bigbigdave_ @Woody090385 @DianaEPatterson @RegHoare @claudiohfox @fletchshares @wheeliedealer @MY21_Oracle @battlebus141 @Martin_AIM_77 @tonywatsonm @DDEE69 @HardmanandCo @LeapRate @TunstallAsc @evankirstel @fintechna @Financial_Orbit @andrewjoness88 @fintechf @purestockfacts @iainbarclay @OttLegalRebels @Irish_TechNews @sbmeunier @highrisk101 @nicktudor100 @BrendanGunn_ @dbmutton @contrariansmind @Amatayl @philjoakley @TheIdleInvestor @Stockopedia @BrilliantLeader @Monevator @sunsuneti1 @Michael51492851 @jonathansrevell @ShareScope @Rachael_Swindon @JohnSlinger @hikmapharma @marxnd @Summitplc @thisismoney @QuickTake Great podcast enjoyed whilst doing yet more gardening. Corporate SP intro jingle adding yet more class ๐Ÿ˜‰ Can't believe Pete didn't retort "I really think so" when WD said I think "We're turning Japanese" tho' ๐Ÿ˜
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
Hope the weather holds this weekend for those stuck in an office all week. We are going on a mini-break to Shropshire (nr Ironbridge) next week so not much tweeting and hopefully bit of walking and possibly biking. Off for a run then ๐Ÿบ GWA
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
6 months
Not all of us are able to respond to @RidyardMike despite X saying so. I'll miss your tweets despite you unfollowing me some years back and appreciate your output so hope you reconsider ๐Ÿ™๐Ÿคž
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
Total for Q2 is -5.19 taking YTD to -6.44%. As ever HL totals + removed income. Sharepad numbers usually disagree by a niggle. But at least my ISA is still breathing thru' its nose ๐Ÿ‘ Will "add colour" as the phrase goes when I can, although likely end of July tbh.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
1 year
Early birthday trip to Welsh Wales for me at start of this week. Hopefully up Moel Siabod tomorrow via Daear Ddu ridge (and no, I can't pronounce them properly either)
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
If someone can do an explainer on how we manage to keep acquiring "variants of concern" I'd appreciate it. Personally, living on an island with control of our borders, I'd trade flying anywhere for a year without need for more lockdowns/restrictions.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
4 years
For any new followers, I already know I have too many holdings and will work to either consolidate and increase those below 20k, or remove them. It's a sign of my nervousness and struggle to allocate more than 20k to anything!
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
#RBGP over my 120p target and I would normally top-slice my 100% profit. But, 1) I only bought 5k so not oversized for our higher risk ISA 2) Although that's fair value, off-sheet cases could add 50p IIRC 3) ST in IC has reiterated a140p TSP @Glasshalfull1 , we owe you a beer!
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
@miserlyinvestor Enjoy - amazing how popular Blackpool is now ๐Ÿ˜‰
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
That worked out ok so far. Re-bought same #HICL holdings for combined total of ~ยฃ1500 less. Every little helps and not bad for half an hour's "work". I'm starting to price my time in "investment world" in the ยฃ1000/hr range. i.e. admin + webinar viewing time vs gain/loss made.
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 years
I'm trying out a bit of dull-stock trading and have sold our 37k SIPP #HICL holdings at what I'm hoping is the top of a cycle and often a precursor to a fund-raise at a lower price at which point I hope to buy back...
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
Not liking having to constantly select "Following" on this new twitter UI.๐Ÿ˜ก
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
3 months
LEJOG Day 8 Overconfidence bred an ambitious target via great but harder tracks up through Wyre Forest (NCN 45) and into Shropshire via a T stop and overnight with relatives. And another dry day. ๐ŸŽ‰
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@TheReluctantIn2
The Reluctant Investor ๐Ÿ‡บ๐Ÿ‡ฆ
@TheReluctantIn2
2 years
Small 2.5k top up of #THS to my max of 10k (for miners) in higher risk ISA. I've found it helps to invest in companies actually making a sustainable profit, paying a divi and with longer LOM.
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