Show Posts

This section allows you to view all posts made by this member. Note that you can only see posts made in areas you currently have access to.


Messages - Patrick

Pages: 1 ... 462 463 [464] 465 466 ... 554
6946
Shares / Re: What investment instruments do you use?
« on: May 06, 2015, 02:53:45 pm »
Quote from: Hamster on May 06, 2015, 12:52:44 pm
Only *INDI?

Yes, though if I said I invested in NPN, SAB, CFR, MTN, SOL, BTI, SHF, REM, APN, BVT, MNP, WHL, SHP, NTC, MPC, MDC, TBS, VOD, LHC, TRU, IPL, TFG, MND, TKG, PFG and KIO people would probably say nice companies, but aren't you over diversified!

The current breakdown in the indi is:
Consumer Goods: 40.48%
Consumer Services: 23.96%
Telecommunications: 12.45%
Basic Materials: 9.88%
Industrials: 6.7%
Health Care: 6.56%

Which to me looks fairly well covered. You could also arue that you've got plenty of foreign money involved in those companies too. The only thing I would consider adding is some financials at some time. Your thoughts?

Edit for interest sakeI checked out the erafi indi basket:
Telecommunications (36.74%)
Consumer Goods (27.07%)
Industrials (13.63%)
Consumer Services (10.8%)
Basic Materials (8.26%)
Health Care (2.05%)

That leaves me with an average of
Consumer Goods (25.5%)
Telecommunications (24.6%)
Industrials (10.2%)
Consumer Services (17.4%)
Basic Materials (9.1%)
Health Care (4.3%)

Looking at that, I would like some more healthcare...

6947
Shares / Re: What investment instruments do you use?
« on: May 06, 2015, 11:15:28 am »
Quote from: Mr_Dividend on May 06, 2015, 10:21:14 am
Flats: R300K Max to convert - rented out @ R500 per night every weekend = R104K Call it R80K after expenses.

Shares: Return on R300k around R15K per year from dividends

Capital Growth:

Flat: Lets say it doubles after 10 years so R600K

Shares: Double every 5 years so R1.2mill

I would imagine that dividends generally stay fairly consistent percentage wise, so the 15k could be 30k after 5 years, and 60k after 10. Might change the way the numbers look.

6948
Shares / Re: What investment instruments do you use?
« on: May 06, 2015, 10:57:58 am »
I've gone from 100% property (my house and two rental apartments) to 100% equity over the last few years.

In my case equities have far exceeded property. I have invested in unit trusts before, but I don't like the fees, so now I do an even split between the Satrix Indi and the eRafi indi in my regular portfolio and my tax free portfolio.

Don't think I could make more through CFDs, I would quite likely lose cash and gain stress.

6949
Shares / Re: investing
« on: May 05, 2015, 02:04:56 pm »
I used to always buy the satrix indi, and it's done very well for me. Lately I've been buying 50% satrix indi, 50% eRafi indi. Does pretty much the same, and I like the balance between the two.

Just keep your fees as low as possible, and when you're only buying once, that means make sure there are no monthly or yearly admin fees. For R20 000 don't even bother looking around, just go to https://www.easyequities.co.za/

6950
Off topic / Live chat
« on: May 05, 2015, 02:02:18 pm »
Yes I see that, I'll look into it.

6951
The Investor Challenge / Re: Blog post: Let's all be guilty of tax avoidance
« on: May 05, 2015, 10:49:34 am »
Thanks all.

I looked at ETFSA, but they're too expensive for my taste. Here's their published fees:
Quote
Rate per annum
Financial Adviser and Portfolio Management Fees            0,5% (incl. VAT)
Administration and Custody Fees                        0,5% (incl. VAT)

In addition, the transaction fees applicable to the purchase and sale of the ETF securities will be borne by the investor.  This fee amounts to 0,1% of the value of the transaction, plus any handling, settlement and JSE/STRATE charges, which fees are “bulked” amongst all investors and therefore likely to be negligible.
The 0.1% per transaction is lower than easy equities, but the 0.5% + 0.5% doesn't exist on EE making it far cheaper in the long run.

6952
Off topic / Re: Live chat
« on: May 05, 2015, 10:40:22 am »
Now while I'm not a licensed financial advisor, so I'm not allowed to tell you what to do, I can tell you what I do. I think unit trusts are too expensive, I wrote a blog about it actually. Instead I have an account with easy equities, and I use that to buy the satrix indi. It's done very very well over it's lifetime, and I expect it to keep doing better than the general South African market. Perhaps start a post in the shares forum and people will offer more advice.

6953
Off topic / Live chat
« on: May 05, 2015, 09:18:35 am »
Hi Ntshizat, how long do you want to put it away for? Are you putting any money into a tax free savings account yet? If you aren't that's a good option for the long term. Some details here: http://investorchallenge.co.za/lets-all-be-guilty-of-tax-avoidanc

6954
The Investor Challenge / Blog post: Let's all be guilty of tax avoidance
« on: May 05, 2015, 08:56:09 am »
Tax avoidance for all: http://investorchallenge.co.za/lets-all-be-guilty-of-tax-avoidance/

6955
Off topic / Re: Live chat
« on: May 04, 2015, 11:52:28 am »
Anyone know what a brokers trustee fee is? I have the following lines on my account and I don't know what they're for. It's not for an admin fee as that one is called ADMIN FEES. Could it be related to the interest perhaps, as the amount changes depending on how much interest I pay. Anyone?
2015-04-30 JOURNAL GROSS INTEREST 15/03/28-15/04/30 R1,690.54CR R5,054.01CR
2015-04-30 JOURNAL BROKER TRUSTEES FEE R256.05DR R4,797.96CR
2015-04-30 JOURNAL VAT @ 14,00% R35.85DR R4,762.11CR

6956
Off topic / Live chat
« on: May 04, 2015, 08:59:56 am »
Lot's of new members this weekend, not sure why but welcome all.

6957
Shares / Re: What did you do with your TFSA?
« on: May 03, 2015, 06:42:11 pm »
The eRafi ETFs have some of the lowest costs out. I've recently bought a chunk of eRafi IND as a way to dilute the STXIND's very high Naspers holding. The RAFIND does have 25% MTN, higher than I'd like in that counteer, but it balances out with my STXIND.

According to studies taken, RAFI type funds generally out perform regularly weighted funds by 2.5% over time.

6958
Shares / Re: What did you do with your TFSA?
« on: May 02, 2015, 09:22:51 am »
1 is a yes, and on 2 it appears that you could.

6959
Shares / ECSP6
« on: May 01, 2015, 11:00:03 pm »
ECSP6 101.64 cents - LDT: 8 May 2015

6960
Shares / ECSP4
« on: May 01, 2015, 11:00:03 pm »
ECSP4 76.71 cents - LDT: 8 May 2015

Pages: 1 ... 462 463 [464] 465 466 ... 554