Cash, what to do with it come negative interest rates?

Brisel

Member
Arable Farmer
Location
Midlands
Im not sure which companies our share portfolio wrapper is in but it did 12% last 12 months .

Mine too. Most of that was in the run up to the beginning of the calendar year, then I got 3 successive automated warnings that my portfolio had lost 10% each time but it has come back beyond the first wave COVID economic losses. Time to reduce my risk level, IMHO as there will be more pain to come when Rishi Sunak’s piggy bank of our grandchildren’s spending money runs dry and unemployment rises.
 

andybk

Member
Livestock Farmer
Location
Mendips Somerset
Mine too. Most of that was in the run up to the beginning of the calendar year, then I got 3 successive automated warnings that my portfolio had lost 10% each time but it has come back beyond the first wave COVID economic losses. Time to reduce my risk level, IMHO as there will be more pain to come when Rishi Sunak’s piggy bank of our grandchildren’s spending money runs dry and unemployment rises.
going to spend (invest) mine in something more stable soon , just to make life easier , think there might be some hard times around the corner with taxation .
 

Brisel

Member
Arable Farmer
Location
Midlands
going to spend (invest) mine in something more stable soon , just to make life easier , think there might be some hard times around the corner with taxation .

Thereby generating work for financial advisors to manoeuvre through the tax schemes designed to harvest investments
 

farmerm

Member
Location
Shropshire
I think you will find that the big pension funds are going to be pulling out of warehousing and large office space ,there is a crash coming and a warehouse is the last place i would put my money
Another risk is you arrive at the warehouse to chase rent and find the tenants gone and have left you with a large liablity....

1603639588120.png
 

4course

Member
Location
north yorks
buy to let has worked for us and is giving a good rate of return on initial investment/deposit even allowing for a few problems re repairs /disapearing tenants etc. plus there is now a capital asset even if values havnt risen as much this last few years Thing is lower cost housing the rent is often paid by the taxpayer( i.e me in a round about way , it gives a warm glow) the property is being paid for albeit may need a bit of help every now and again though the annual return on initial cost is way more than any pension could pay but like all things there is some hassle
 

farmerm

Member
Location
Shropshire
Something that isn't gold is very different to gold, in the same way that something that isn't bitcoin is very different to bitcoin....in the same way that something isn't.....ad infinitum
Under this logic nothing is worth investing in as there is an infinite number of possible investments
Gold is different to silver because gold has different properties to silver and has use in different applications. Bitcoin is only different to other cryptocurrencies if it has properties that make it different to other cryptocurrencies. It every one of the 5000 and growing cryptocurrencies could be traded with the same easy and security as Bitcoin then a unit of Bitcoin would not be different in any meaningful way to any other unit of cryto.
 

Renaultman

Member
Arable Farmer
Location
Darlington
With all this impending doom on interest rates and inflation etc. Would now be a bad time to pay/start in to a pension pot?!

It's something I have never got round to but was going to put a lump sum in end of this year partly/mostly because of the tax relief.

Surely if you put it in when all is crashed out it can only go up long term🤷‍♂️
I have set a SIPP pension thing up and am building a few shares up when I have some spare cash. I always have bought some as a bit of a hobby but they were always in the missus's name as she wasn't earning as much. I daren't look at the shares I have bought in the last few months as they have all gone backwards I did buy them all at well under half pre Covid prices and all are ones that historically give a good dividend.
 

Humble Village Farmer

Member
BASE UK Member
Location
Essex
can see more downside to houses at the moment. there is a short term upward trend out in the shires as people desperate to leave cities to a cleaner more Covid-free rural life style, but going to leave a vacuum back in the cities which will then pull prices back.
more importantly, converting every office block and commercial property to residential in the next ten years will mean supply outstrips demand and prices will plummet. i know Government already trying to counter this by immigration and bringing 3m HongKongers to canary wharf. friends who work in London offices are not renewing leases. literally tumbleweed blowing along some streets a the moment.
Literally?
 
I think it will for a time, but they will return to offices, the ones that want to work miss their colleagues and the definition between work and home. And the ones that aren’t doing their job properly will need keeping an eye on.

I haven’t spoken to anyone that is enjoying working from home.

I could have done both of my earlier jobs from home and saved considerable expense (mine and the companies' involved). In one job alone I reckon I could have saved a thousand quid a year in fuel alone.
 
Historically buying shares at times when the markets seemed weak has been useful. The economies around the world will recover in time, that much is clear. I think the FTSE has some way to go down yet (bit more covid and then brexit in the new year so maybe another 1000 points to come back on the FTSE so look to invest some cash if it heads toward 5000 again. DJIA might be worth looking at as well so to spread risk.

It doesn't take long for these markets to gain some serious points in a short time period.

The American markets will be worth watching as well according to the election results.
 
Trump recommends using a Chinese bank.
A foreign bank would surely be a good shout but I wouldn't trust China with a tuppence.

China is going to be the dominant player in the coming years and their currency is the only one that will probably worth anything. It's pretty obvious really but everyone has their heads in the sand. Well worth the watch

 

SFI - What % were you taking out of production?

  • 0 %

    Votes: 79 42.0%
  • Up to 25%

    Votes: 66 35.1%
  • 25-50%

    Votes: 30 16.0%
  • 50-75%

    Votes: 3 1.6%
  • 75-100%

    Votes: 3 1.6%
  • 100% I’ve had enough of farming!

    Votes: 7 3.7%

Red Tractor drops launch of green farming scheme amid anger from farmers

  • 1,291
  • 1
As reported in Independent


quote: “Red Tractor has confirmed it is dropping plans to launch its green farming assurance standard in April“

read the TFF thread here: https://thefarmingforum.co.uk/index.php?threads/gfc-was-to-go-ahead-now-not-going-ahead.405234/
Top