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Author Topic: Trivial things you don't understand/mildly annoy you  (Read 4183897 times)
Jimmy QuitMoaning

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« Reply #36870 on: Tuesday, June 14, 2022, 20:10:15 »

Not looking good for Gareth. Nothing competition,  but still  Roll Eyes

You don't know what you're doing echoing around the ground!
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4D
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« Reply #36871 on: Tuesday, June 14, 2022, 20:14:40 »

Humiliating
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The Artist Formerly Known as Audrey

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?Absolute Calamity!?




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« Reply #36872 on: Wednesday, June 15, 2022, 15:12:39 »

PI 55 0FF
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Wobbly Bob

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« Reply #36873 on: Thursday, June 16, 2022, 08:36:51 »

Where have all the butterflies gone.
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So this is real life.
Jimmy QuitMoaning

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« Reply #36874 on: Thursday, June 16, 2022, 16:34:56 »

Anyone else noticed how much the value of pensions & private investments have plummeted?
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Jimmy QuitMoaning

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« Reply #36875 on: Thursday, June 16, 2022, 16:36:52 »

Where have all the butterflies gone.

I can't remember the last time I've seen one but guessing there were plenty of caterpillars in the spring as there were plenty of Blue Tits etc around feeding their chics.
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Samdy Gray
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« Reply #36876 on: Thursday, June 16, 2022, 17:08:04 »

Anyone else noticed how much the value of pensions & private investments have plummeted?

Yes, it's kind of my job.

Most people are probably down >12% YTD. Never nice to see investments fall in value but it's the first "correction" we've seen for a while and mostly expected given the current economic environment. Lots of commentators speculating that this time it's "different" but that's what they always say.

There hasn't been a time that markets have fallen and not come back (yet). Give it time, things will recover. It's only a loss if you crystallise it now, otherwise stop checking the value for the next 6 to 12 months and you'll save yourself a lot of anguish.

And if you've got money to invest now, well, the stockmarket is on sale - get it whilst it's cheap!
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Jimmy QuitMoaning

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« Reply #36877 on: Thursday, June 16, 2022, 17:11:42 »

Yes, it's kind of my job.

Most people are probably down >12% YTD. Never nice to see investments fall in value but it's the first "correction" we've seen for a while and mostly expected given the current economic environment. Lots of commentators speculating that this time it's "different" but that's what they always say.

There hasn't been a time that markets have fallen and not come back (yet). Give it time, things will recover. It's only a loss if you crystallise it now, otherwise stop checking the value for the next 6 to 12 months and you'll save yourself a lot of anguish.

And if you've got money to invest now, well, the stockmarket is on sale - get it whilst it's cheap!

Cheers for the advice. I have my investments with Quilter and have seen big % drops recently so will have to hang in there
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Samdy Gray
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« Reply #36878 on: Thursday, June 16, 2022, 17:58:50 »

If you're invested through Quilter I guess you have an adviser?
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Sippo
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« Reply #36879 on: Thursday, June 16, 2022, 19:03:27 »

Donít know where to put this. Turned down a job which is £10k more money purely down to the pension. Going from 20% to 3% is hell of a drop long term.
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If my calculations are correct, when this baby hits 88 miles per hour, you're gonna see some serious shit...
Jimmy QuitMoaning

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« Reply #36880 on: Thursday, June 16, 2022, 19:05:46 »

If you're invested through Quilter I guess you have an adviser?

Yes a local company I've used for 10 years.
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Jimmy QuitMoaning

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« Reply #36881 on: Thursday, June 16, 2022, 19:08:08 »

Donít know where to put this. Turned down a job which is £10k more money purely down to the pension. Going from 20% to 3% is hell of a drop long term.

Not ideal but couldn't you have started another private pension with the extra income if the job was ok?
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Batch
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« Reply #36882 on: Thursday, June 16, 2022, 20:01:03 »

I assume he means company contribution, what the wage gives with one hand it takes away with the other.

congrats on getting the offer though sippo
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Sippo
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« Reply #36883 on: Thursday, June 16, 2022, 20:40:22 »

Batch has it spot on. Working for local government is crap pay but pension is so good. 20.4% is outstanding
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If my calculations are correct, when this baby hits 88 miles per hour, you're gonna see some serious shit...
Samdy Gray
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« Reply #36884 on: Friday, June 17, 2022, 05:56:55 »

Probably not what you want to hear, but you'll struggle to find an employer in the private sector paying more than 3% into a pension. 5% tops maybe.

I definitely understand the maths behind your decision, but you've got to factor in the job satisfaction and your own happiness as well.
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