Want to see if anyone has held investments averaging 7%+ p.a. that they would like to share?
Do You Have Any Investments Yielding average 7%+ p.a.?
Poor Ass on 10/04/2019 - 23:47
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Yes, investing in yourself, and "investing" to reduce your debts to zero (in order of highest to lowest interest rate) are generally the best and safest returns by a huge margin.
With a handful of exceptions (that are very very hard to pick in advance, but usually obvious in retrospect), everything beyond that carries higher risk and/or lower returns.
This is the boring reality.
A 10% increase in income results in a 10% increase in domestic purchasing power. If you're not happy with your job, family or life then it won't solve anything.
The only surefire way to instantly and dramatically increase the spending value of your money is to move to a developing country. But then you might lose that well-paying job. A modern healthcare system. Multiculturalism. Speaking English without being slow, loud and patronising. A moderate climate. A stable government. A clean and well-maintained environment. Followed safety standards. Freedom of speech. Freedom of/from religion. Clean tap water.
I wanted to move to a developing country but noticed Australia is becoming a developing country so decided to stay.
Underrated comment. Thanks for the laugh.
High risk option with my super
Mind me asking how many years off retirement your are? I’ve been advised that high risk options are generally only favourable for individuals with relatively little in their super and or early in their careers, obviously due to the risk being higher.
Around 25 years off. Not too early in my career & modest amount of super. I keep an eye of the general economic situation and have switched into conservative option when I feel the need to.
I lost all my savings when 2008 GFC hits (self managed shares exploit with commsec) & generally be aware for signs of recession.
The doomsayers have correctly called the last 9 out of 2 recessions.
Masternodes - Making bank passive income.
Graft, Loki, loads of good options.1 property in Tasmania I purchased when the property prices were quite low (5 years back) and is now at an 11% yield due to the extremely low vacancy rate for rentals.
The rent is below market rate by about $20/week but the tenants are good so have increased reasonably.
Regretting not buying another unit at the time. The capital growth in Hobart has been ridiculous (in a good way) as well about 90% growth going by realestate data.
Tassie hey
Kind of want to stay away from units due to over supply
Yes that’s what I thought too, but you could buy a 2 bedder, 9km from the city in the low 100ks, so seemed fairly safe returns even back then.
Rental vacancy has been at 0.3% - families are resorting to camping at the show ground, never had 1 day where its been vacant - always rented out the day after someone has left.
Must say it was more luck at timing the market, Hobart was one of the only capital cities where the sales price rose last month.
I invested my money in managed forex to an overseas company. On average, the return so far is 10% per trade. Capital is not guaranteed and very risky IMO.
That's cool
But Forex not my thing . Profiting from currency exchange is a lot of guess work.
In a way if it is a main world currency and you hold on to it long enough. 10％ is easy.
But I'm more into 7% pa on avg
Not saying this is the best deal, but I've had 120% over 10 years increase as a zero effort managed fund. Goes up and down a bit, but does allow free withdrawal of any amount within 6 days
http://www.morningstar.co.uk/uk/funds/snapshot/snapshot.aspx…
Accessible from Australia as it seems like a UK fund?
I was in the UK when I opened it so maybe not relevant, but HSBC is pretty easy to open things internationally so it's maybe possible. Would take some investigation
Trading. Nets me around 2-4% a month.
Good stuff most traders lose
But you need to come up with the capital first, step two is not to lose it, then step three is trying to live off the 2-4% a month.
Vanguard Wholesale High Growth Fund.
% per annum return really depends on your investment window. But since inception it sits at 8.67%.
https://api.vanguard.com/rs/gre/gls/1.3.0/documents/8469/au
The full range of funds:
https://www.vanguardinvestments.com.au/retail/ret/investment…
Ah yes
I was actually looking at the international shares and property index
The Australian stock market did have a good run but I don't think it will as strong in the next 5years compared to international
The high growth fund has a mix of international and Australian shares. It rebalances to the asset allocation automatically.
It's one thing to say that you don't think 'x' market will perform as well as 'y' market. Everyone has an opinion on future performance of markets, including myself, but it's not really worth much as no-one can predict the future. Of course, if you're right you'll outperform, if you're wrong you'll underperform.
But if you rebalance your asset allocation between Aus and International, or have a fund that does it for you, it doesn't really matter what your opinion is because you'll maximise your returns by buying shares in markets that dip, and selling them when they rise. Buy low/sell high.
So how much you got in the high growth fund?
@Poor Ass: I'm not going to say any numbers as it's really pointless to compare. How much I have invested is relative to my age, how many years I've worked, the % of income i managed to save etc etc. It's not helpful to compare yourself to strangers on the internet, or even friends, as everyone makes their investment or spending choices for their own reasons.
However, I will say I have about 85% of my net worth invested in index funds, about 14% in individual stocks, and the remaining 1% in cash.
I have a reasonably aggressive investment strategy with a heavy weighting towards equities, but diversified. However, I live a pretty simple life (make my own food, don't own a car/ride a bike, not into buying into the consumerist lifestyle, rent in a share house) and am pretty happy. So the risk of my strong weighting towards equities is mitigated by the my relatively frugal lifestyle. Not for everyone but works for me.
@Poor Ass: Ha! Fair enough. I'm relieved that my chain was being jerked though, as there are a lot of people out there asking for advice, but also wanting one size fits all solutions to their individual needs. Hope you fish out a decent strategy from what the hive mind has offered.
@[Deactivated]: Hehe simple minded one glove fits all people
I actually provide financial advice to people so kinda a pro at risk profiling
If you're into investments and what to chat about it. Pm me. Not selling anything but it's hard finding financially educated people.
as no-one can predict the future.
Leading indicators say you are wrong.
My weight
We're Qlders it's the norm
How much capital are you deploying?
Are you willing to take on debt to achieve your expected return?
Do you want correlated or non correlated investments?
Are you willing to experience draw downs?
Are you looking for income specifically?Commercial real estate
Real Estate Development
Managed funds
LendingClose to it.
You can look at high yeilding stocks.
ASX Convertible notes & hybrids.
https://www.asx.com.au/asx/markets/interestRateSecurityPrice…
http://www.yieldreport.com.au/category/asx-listed-notes/week…
- Unlisted bonds:
http://thewire.fiig.com.au/article/2018/02/26/how-to-buy-bon…
- Call options
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I don’t think any of my investments have “paid off” other than my university education since I have a decent paying job that allows me to pay off a mortgage.