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could not trust myself with CFD's - I am way to good at selling "sure things" to my self. Otherwise 100% into equities - but have around 30% of that in REITS. Have a tiny RA which I stopped due to dismal performance (thanks Allan Grey) - and have a TFSA with ETF's.

Although am weighing up the pro's and cons of turning a garage at the back of my property into two self catering flats.

maths as follows:

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

Total return on 10 years: Flat 800 + 600 = R1.4mill  vs shares 1.2 + 150K R1.35

****Not taking into account inflation. Dividends usually grow quicker than inflation / I might get a better occupancy rate - would aim it at weekly business guys. Probably would invest some of that new cash flow. But looking at our house price, think R450 would be what I would get with the flats.

But ball park figures - I sway between the two. The extra cash flow would be great - but it will cut into my err, watching TV, napping, reading the newspaper and generally buggering around time.

I use FNB's Share Saver to have a sizable amount in the top40+midcap, have a TFSA with ETFs, an investment with Stanlib, an RA and some just-in-case money.

Might consider a property at some stage, but not too soon.

Other than that I play around with some spare $$$ and losing it thanks to Aspen :p

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.

I stopped doing SSF's because I have an illness that cost me dearly. It is called FOLO or Fear Of Loosing Out.
I could not wait in cash due to my fear that I will loose out if I wait or hold on to a winning punt too long.
So if you have FOLO then stay out of futures.

Played around with CFDs a while back (it didn't go too well ) ... planning on getting back into them shortly, just need to sort a few things out before.

There is nothing quite like an open Asli CFD to keep you awake 24/7.

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...

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...

I like it. I would add DBXWD or US to it but that's just me. Think you know a bit more about this :p