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bigadaj I'm not sure I understand your questions. If only 20% of Alphamare's assets are investible, I can understand why they may be hungrier to take investment risks- the overall consequences of a poor outcome are not as severe for them. The consequences of a good outcome would be that investments ...

Some investment schemes promise unusually high return in the early years. My impression is that often they are outright or borderline scams. Your capital is very much at risk and it may be difficult to exit the investment, if there is not a secondary market for the investment product. There are thre...

I think VLS60 could fall further than 30%, if the world suffers both rising interest rates and falling equity prices, at the same time.



I can imagine a fall of 40% or even 50%, probably drawn out over about 2-3 years.

I like that portfolio. Lots of stuff you want, nothing you don't. Qutie similar to <a href="http://forums.moneysavingexpert.com/showthread.php?t=5176363">mine</a> in fact, except I don't have bonds. It's going to be volatile. But your investments are only 20% of your net worth - 80% is sitting somew...

I keep a sum of money in cash which happens to be equal to several months expenses, but don't call it an emergency fund. It's more an opportunity fund, a hassle-free fund. Say April creeps up and I want a new sofa and the kids have a school trip and the old car needs retiring and so does the mower a...

I have been self employed for much of my career. I like to keep £20K cash PLUS income tax liabilities in a personal savings account. As it happens, £20K is about 6 months bills for my family so JimJames' rule applies here too. The balance of my savings account will swing between a low tide mark of...

Although it may not be relevant to the OP's position, there was some talk earlier in this thread about the "annual limit" being £40K But my understanding is that there is no limit. Say the OP's wife earned £400K, she could contribute the whole lot to her SIPP. However, it would be subjec...

I think you are on the right lines. If you work full time, you can expect to earn very well later. So there is absolutely no reason why you should need to work to 67 unless you choose a lifestyle which is proportionally more expensive than average. That's your choice, of course. There are lots of re...

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