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"Just checked my pension pot to see how it's going, seems the recent market turmoil being caused by the orange baffoon has had quite a drastic effect. My modest pot has lost about £4k in the last two weeks. Not sure if to ride it out and hope it recovers or pull it out and put it somewhere safe.🤔" Ride it out, and keep buying!! It's time in the market not timing the market | |||
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"Impose huge new taxes on US consumers. Share prices crash. Billionaires buy up the stock on the cheap. Drop the huge new taxes. Stock market rises again. Billionaires become even richer. Trump is doing his bit for the rich alright."  | |||
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"Just checked my pension pot to see how it's going, seems the recent market turmoil being caused by the orange baffoon has had quite a drastic effect. My modest pot has lost about £4k in the last two weeks. Not sure if to ride it out and hope it recovers or pull it out and put it somewhere safe.🤔" Mine had a drop of about 5% over the last week, but it's gradually coming back. It's definitely true that for the Orange Fart and his chums, huge amounts of money are being made. Insider trading is illegal, and having that lump of pond scum squatting in the White House giving advance notice of major economic shocks is as insider as it gets. On the other hand he now owns the courts, so "illegal" doesn't have a lot of meaning any more. | |||
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"Pensions won't be that affected, they tend to invest in more stable/reliable bonds. That's why the 10 year UK guilts was more dangerous to pensions than the stocks of Tesla or SNP500 or FTSE100 Thor too volatile for pensions. They'll have a bit in them but not enough for this disruption to have a marked effect " Are you trying to sound knowledgeable? My fund as of today has lost almost £8k in the last two weeks. Prior to this crash it had achieved a healthy 11% growth in 12 months, it has now done 4.5% in 13 months. Please explain how pensions are not much affected. | |||
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"The figure your not giving is the % that 8k equates to. 8k drop from 10K an 80% drop would be massive 8k drop from 100k an 8% drop not so much So don't try and put smart a smart" You said they won't be much affected. That's clearly not the case. | |||
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"Your clearly feel very silly I can understand why you won't publish what that 8k equates to and don't expect you to. Unless those details are published this is a circular argument you say you've lost 8k that's a lot to you!!! And I go but what's the % of the loss because not all losses are equal. You won't publish your fortune....and I shrug my shoulders Just round and round " If you think I'm going to publish the size of my pension pot forget it! The fact a pot that achieved 11% in twelve months and has now dwindled to 4.5% in 13 months is evidence enough. Is that to much for your brain to comprehend? | |||
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"All funds in that pension pot would have increased by those margins despite the base value of the pot! You really are dying on your arse! I don't expect you to reveal your fortune, your the one who has this fortune, started this thread, but then... called out 8k drop as if it were a massive margin for you. Because you thought that was a big sounding drop for the little people!! Its only a massive drop by the percentage of margin 8k drop against 10k pension massive 8k drop against 100k pension recoverable " The figures are there uf you want to do the maths. 6.5% drop in fund value which equates to approx £8k in less than a month. | |||
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"The figures are there if you want to do the maths. 6.5% drop in fund value which equates to approx £8k in less than a month." This means your pot is similar in value to my own. Perhaps it's the volatility of where you are invested? Mine has suffered quite a bit less. Just a thought. | |||
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"Just checked my pension pot to see how it's going, seems the recent market turmoil being caused by the orange baffoon has had quite a drastic effect. My modest pot has lost about £4k in the last two weeks. Not sure if to ride it out and hope it recovers or pull it out and put it somewhere safe.🤔" I understand that it is worrying at our age. I am still working so have no need of any of my pensions though I grab the state pensions with both hands. Thank you Fabbers for supplementing my income  .
I use my SIPP to accumulate cash through dividends.
You are of an age where you have lift through at least four recessions. Each time, house prices and stocks have recovered within a couple of years.
Think about it. If you cash out now then you would have bought at a higher cost and are now selling at a low price. You have invested using Dollar Cost Averaging, carry on doing it. I wouldn't sell high value stocks and funds at a low price. | |||
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"On the bright side no inheritance tax to pay on what I haven't spent and pass on!" You'll be dead, no one dead pays inheritance tax It's the unearned wealth to the people who didn't work for it who pay inheritance tax | |||
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"Inflation will also eat away at your Pension Funds " Not as much as if it was in a bank account. Stocks and shares ISA and pensions are the best way to beat inflation | |||
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"Just checked my pension pot to see how it's going, seems the recent market turmoil being caused by the orange baffoon has had quite a drastic effect. My modest pot has lost about £4k in the last two weeks. Not sure if to ride it out and hope it recovers or pull it out and put it somewhere safe.🤔" Pulling it out would start the crystallization process and incur income tax on anything in excess of the 25% tax free lump sum, if you went into safe havens like cash then you will soon be losing spending power based up on inflation. You will never be able to time the money to back into investments at the bottom of the market, the old adage of “time in the market” still holds true, might also be a good time to put some more in as in affect the prices are discounted based upon a few weeks ago, plus you get tax relief on top which add 25% to what you put in or the equivalent of 66% if you are a HRT. If you need some out take it out, only take out what you need and ride along with what the future holds. Anyone over the IHT threshold though needs to be aware that the current chancellor is going to tax anything over the £325k maybe if you have a property as well then up to £500k if you are single and upto £1m if married but that is per couple not each, this change in IHT is nothing but a raid on pensions and is going to be massive for the average Uk family who have property particularly in the south where a cupboard costs £1m, watch your inheritance to the kids go either in nursing home fees or in IHT | |||
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"Informed post Not this chancellor, that's always been the case with inheritance tax, only thing this chancellor has done. Is extended it to farmers. And they still get a good discount they get 50% lower rate than anyone else " This chancellor is introducing IHT on pensions whereas they are currently exempt. When it happens it will include the value of your pension and all other assets for assessing if your estate will pay IHT and if so then 40% of what is left above the NRB of £325k plus upto £175k property allowance if you own a home, so on an individual it’s anything above £500k will be taxed at 40% from 2027. | |||
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"Informed post Not this chancellor, that's always been the case with inheritance tax, only thing this chancellor has done. Is extended it to farmers. And they still get a good discount they get 50% lower rate than anyone else This chancellor is introducing IHT on pensions whereas they are currently exempt. When it happens it will include the value of your pension and all other assets for assessing if your estate will pay IHT and if so then 40% of what is left above the NRB of £325k plus upto £175k property allowance if you own a home, so on an individual it’s anything above £500k will be taxed at 40% from 2027. " My bad, sincere apologies. Didn't know about this looked it up good for her!! I like her even more | |||
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"Informed post Not this chancellor, that's always been the case with inheritance tax, only thing this chancellor has done. Is extended it to farmers. And they still get a good discount they get 50% lower rate than anyone else This chancellor is introducing IHT on pensions whereas they are currently exempt. When it happens it will include the value of your pension and all other assets for assessing if your estate will pay IHT and if so then 40% of what is left above the NRB of £325k plus upto £175k property allowance if you own a home, so on an individual it’s anything above £500k will be taxed at 40% from 2027. My bad, sincere apologies. Didn't know about this looked it up good for her!! I like her even more " That explains a lot! | |||
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"Impose huge new taxes on US consumers. Share prices crash. Billionaires buy up the stock on the cheap. Drop the huge new taxes. Stock market rises again. Billionaires become even richer. Trump is doing his bit for the rich alright." All part of project 2025 | |||
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"Just checked my pension pot to see how it's going, seems the recent market turmoil being caused by the orange baffoon has had quite a drastic effect. My modest pot has lost about £4k in the last two weeks. Not sure if to ride it out and hope it recovers or pull it out and put it somewhere safe.🤔" The worst time to pull it out and put it somewhere safe is after a large fall, as you turn a paper loss into a real one. Tbh, if you can't tolerate the volatility, you shouldn't have been invested there in the first place. | |||
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"For the reason that pensions fall I started buying gold sovereigns 2 years ago, when they were £400. Now they're £560. Capital gains tax free. Only have a few but going to keep adding them till retirement in ten years. Kept in a safe deposit box(£150/year to rent)" Gold is at an all time high due to the turbulence, once the market correct Gold will drop. Have a diverse portfolio by all means but beware of putting all your golden eggs in one basket! | |||
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" Gold is at an all time high due to the turbulence, once the market correct Gold will drop. Have a diverse portfolio by all means but beware of putting all your golden eggs in one basket!" Apparently, there was a huge outflow of gold from the London markets to the USA in the days leading up to the Trump tariff announcement. US financiers stocking up, before gold imports are hit by his import taxes. | |||
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" Gold is at an all time high due to the turbulence, once the market correct Gold will drop. Have a diverse portfolio by all means but beware of putting all your golden eggs in one basket! Apparently, there was a huge outflow of gold from the London markets to the USA in the days leading up to the Trump tariff announcement. US financiers stocking up, before gold imports are hit by his import taxes. " Makes sense, I noticed it had ticked down but didn't know why | |||
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"I don't know how to check the total value of my pension pot. I have a guaranteed tax free lump sum and an annual pension amount on the portal. A guy at work says that if I multiply the annual pension by 20 and add the lump sum on, that's the closest method. It's a 40 years public sector pension so not affected by Trump. Must be an awful thing to worry about with the way older people are being treated nowadays." How the old are being treated? Lol Like anyone under 45 has a pension with these provisos. | |||
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"Yes. How the old are being treated. So many things being removed. The winter fuel allowance, which I understand not everyone needed. But the bus pass, prescriptions and TV licence have all been mooted as at risk." Good, they've free loaded all their life | |||
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"Yes. How the old are being treated. So many things being removed. The winter fuel allowance, which I understand not everyone needed. But the bus pass, prescriptions and TV licence have all been mooted as at risk." They benefited from the world our forefathers built after the second world war. And then dismantled it for their descendants | |||
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"One day WE may get a leader who puts Britain first. Just as Trump is doing for America. I know that's a strange concept to get your leftie heads around" I'd argue that the best thing for the people is choice in the shops at a value that they can afford. Doesn't matter where it originated from. Trump and clearly you think British people should only buy British products. Good luck with finding a British equivalent to Whatsapp | |||
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"One day WE may get a leader who puts Britain first. Just as Trump is doing for America. I know that's a strange concept to get your leftie heads around" Market protection is not worker protection but they usually overlap to some degree. Protecting the blip that was average living standards for last seventy years in most of northwestern Europe is about as common a socialist goal as you can get. The method for doing it is the question. Trump is not protecting his workers he's rattling the fire so he can make more short term profit for his backers and then if not careful, USA will burn out. | |||
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"Nope we know we will be. But unlike them, we'll be saddled with debt and no homes." allot of self pity going on here. snap out of it and stop being a victim!! my lad is 22, public sector worker (working shifts) and has moved out and bought a decent house and car already. his money not bank of dad. blaming everyone else isn't going to get you anywhere. | |||
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"One day WE may get a leader who puts Britain first. Just as Trump is doing for America. I know that's a strange concept to get your leftie heads around" You want to erect higher walls around UK? To keep the good, services, people and capital in, or keep the goods, services, people and capital out? | |||
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"Nope we know we will be. But unlike them, we'll be saddled with debt and no homes. allot of self pity going on here. snap out of it and stop being a victim!! my lad is 22, public sector worker (working shifts) and has moved out and bought a decent house and car already. his money not bank of dad. blaming everyone else isn't going to get you anywhere. " | |||
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"Nope we know we will be. But unlike them, we'll be saddled with debt and no homes." The idea that the post-war generation ruined the world their parents built is unfair and untrue. The post-war generation helped the economy grow, fought for social justice and coped with big global changes. They had to deal with problems they inherited, faced new challenges and worked with other generations to build on what they knew. It's also important to remember that every generation has faced its own unique challenges. The post-war generation had to rebuild after a devastating war, while their parents lived through the Great Depression and two world wars. Today's young people are facing their own challenges, from climate change to social media pressures. The notion that the post war generation 'never had it so good' ignores the differences between individuals, creates unfair stereotypes and oversimplifies history. The world is complex, and many factors shaped the experiences and choices of this generation. | |||
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"Nope we know we will be. But unlike them, we'll be saddled with debt and no homes. The idea that the post-war generation ruined the world their parents built is unfair and untrue. The post-war generation helped the economy grow, fought for social justice and coped with big global changes. They had to deal with problems they inherited, faced new challenges and worked with other generations to build on what they knew. It's also important to remember that every generation has faced its own unique challenges. The post-war generation had to rebuild after a devastating war, while their parents lived through the Great Depression and two world wars. Today's young people are facing their own challenges, from climate change to social media pressures. The notion that the post war generation 'never had it so good' ignores the differences between individuals, creates unfair stereotypes and oversimplifies history. The world is complex, and many factors shaped the experiences and choices of this generation." Climate change | |||
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"Nope we know we will be. But unlike them, we'll be saddled with debt and no homes. allot of self pity going on here. snap out of it and stop being a victim!! my lad is 22, public sector worker (working shifts) and has moved out and bought a decent house and car already. his money not bank of dad. blaming everyone else isn't going to get you anywhere. " Lol - keep following! | |||
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"Nope we know we will be. But unlike them, we'll be saddled with debt and no homes. The idea that the post-war generation ruined the world their parents built is unfair and untrue. The post-war generation helped the economy grow, fought for social justice and coped with big global changes. They had to deal with problems they inherited, faced new challenges and worked with other generations to build on what they knew. It's also important to remember that every generation has faced its own unique challenges. The post-war generation had to rebuild after a devastating war, while their parents lived through the Great Depression and two world wars. Today's young people are facing their own challenges, from climate change to social media pressures. The notion that the post war generation 'never had it so good' ignores the differences between individuals, creates unfair stereotypes and oversimplifies history. The world is complex, and many factors shaped the experiences and choices of this generation." Never in the history of the earth has there been a more selfish generation! Accused everyone else of exactly what they had. And now look, young people saddled with debt, can't afford homes or childcare, no wonder the birth rate is plummetting. But rising immigration numbers also upsets the privileged generation. Couldn't find old Norms bike let alone a plane to work for you. The young even gave up 3 years of their youth to keep them alive and look at the thanks they get!! | |||
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"So that's nothing, it will recover!! This is not a story. I'm not publishing your pension worth " You don’t know it recover could be world stock market crash as FTSE HAS DROPPED 375 POINTS TODAY . How about Monday maybe another 500 so it goes on . | |||
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"My pot was £211 .000 6 weeks ago Then dropped to £208 . 000 Now after £201 . 000 now after market dropped 375 points today who knows. Probably another £5000 wipe off . " Probably, but gloating isn't the issue. The OP is clearly worried about his pension and thinks it will effect his lifestyle or at least the pot he'll have. The education system or civic society doesn't teach you about this stuff, so it is understandable, but 90% misplaced. Gloat of you have to, but don't cause a panick for people who don't understand | |||
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"One day WE may get a leader who puts Britain first. Just as Trump is doing for America. I know that's a strange concept to get your leftie heads around" The idea that Trump is “putting America first” is a very strange concept. Trump’s strategy is “putting Trump first” all the laid off employees, public health, public parks, farmers, industry, allies and more can go to hell as far as he’s concerned. | |||
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"Nope we know we will be. But unlike them, we'll be saddled with debt and no homes. allot of self pity going on here. snap out of it and stop being a victim!! my lad is 22, public sector worker (working shifts) and has moved out and bought a decent house and car already. his money not bank of dad. blaming everyone else isn't going to get you anywhere. " 22, in the public sector and owning a decent house and car is pretty incredible! I’m sure most people his age would be happy to even dream of doing one let alone both. Is it just long hours? Even in ‘85 my partner and I managed to buy a reduced price terrace house when the income/house price discrepancy was waaaaay less that now. If we’d tried to do it in 2025 it would not have been possible. | |||
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"We've seen the longest bull run in history, and a small drop in value gets you whinging. Classic car markets dropping too, can't wait for house prices to collapse. Wait for the banks to fail. You're no longer a depositor, you're a creditor. The sky is falling, the sky is falling. The big boys are sitting on huge cash piles, and still can't find value in the market. " Banks failing???? 2008 they will not let it Socialism for the rich - capitalism for the poor | |||
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"Nope we know we will be. But unlike them, we'll be saddled with debt and no homes. allot of self pity going on here. snap out of it and stop being a victim!! my lad is 22, public sector worker (working shifts) and has moved out and bought a decent house and car already. his money not bank of dad. blaming everyone else isn't going to get you anywhere. 22, in the public sector and owning a decent house and car is pretty incredible! I’m sure most people his age would be happy to even dream of doing one let alone both. Is it just long hours? Even in ‘85 my partner and I managed to buy a reduced price terrace house when the income/house price discrepancy was waaaaay less that now. If we’d tried to do it in 2025 it would not have been possible. " I wouldn't have thought so either, but I am aware of my privilege and lack of experience in this area. Thanks | |||
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"The trends are obvious. For good or bad we will have another 5m people here within a decade. All needing homes. We won't build anything like as many needed. It's clear why demand will push house prices up. This isn't an accident. It's policy to grow the UK populace. Good pension funds should have a balance which reflect the long term dynamic. Maybe they will own a lot of property in future. " Not during our life, although at some point in the distant future it will. | |||
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"If a0 bank were to fail, it will be a bail in, not a bail out as used, as in Cyprus in 2013, where deposits above 100,000 lost 42.5% and cash withdrawals were limited. Given that the EU is seeking to finance itself with the 'unused' savings of citizens calling it investment in growth, but defence spending is a great way to spaz a load of cash to use Doris's immortal phrase " Banking crash of 2008? Tax payer bailed out royal bank of Scotland. Not seeing cheaper interested rates on bro citizens but then they did seek to block Nige | |||
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"If a0 bank were to fail, it will be a bail in, not a bail out as used, as in Cyprus in 2013, where deposits above 100,000 lost 42.5% and cash withdrawals were limited. Given that the EU is seeking to finance itself with the 'unused' savings of citizens calling it investment in growth, but defence spending is a great way to spaz a load of cash to use Doris's immortal phrase " Aren't there reports of Rachel seeking to lower the cash ISA limits. The intention is to push more people into stocks and shares investments. Recent events won't create a lot appetite for such a change. | |||
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"Your loss people! You can't loose at the markets or at least it's very difficulty to. I'm just saying invest in pensions and stocks and shares isas! And stop worrying about it but if you want to have a go you have xtb and trading 212 that I use " You should tout your knowledge and skills to the big investment companies, you could make a fortune and certainly do better than they have over recent weeks as you think it's so easy. Tell them to use your app! | |||
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"Your loss people! You can't loose at the markets or at least it's very difficulty to. I'm just saying invest in pensions and stocks and shares isas! And stop worrying about it but if you want to have a go you have xtb and trading 212 that I use " Two very important points here, I feel. Firstly, people should never invest money in something they don't understand and secondly, in order to do so they're going to need capital. Something in short supply for most people. | |||
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"Never in the history of the earth has there been a more selfish generation! Accused everyone else of exactly what they had. And now look, young people saddled with debt, can't afford homes or childcare, no wonder the birth rate is plummetting. But rising immigration numbers also upsets the privileged generation. Couldn't find old Norms bike let alone a plane to work for you. The young even gave up 3 years of their youth to keep them alive and look at the thanks they get!! " How totally ridiculous it is to scapegoat an entire generation for society's problems! The allegation that people born in the 1950s and '60s are solely responsible for the challenges faced by younger people today is both illogical unfair and factually totally false! Just what you're trying to achieve with these sweeping unfounded and preposterous generalisations appears only to be known to you, but it's clear that blaming an entire generation isn't going to solve anything. | |||
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"Your loss people! You can't loose at the markets or at least it's very difficulty to. I'm just saying invest in pensions and stocks and shares isas! And stop worrying about it but if you want to have a go you have xtb and trading 212 that I use You should tout your knowledge and skills to the big investment companies, you could make a fortune and certainly do better than they have over recent weeks as you think it's so easy. Tell them to use your app!" If his financial advice is sound, he’ll already have made his fortune. Especially since ‘you can’t loose at the markets’. | |||
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"Shares that look cheap have a way of getting even cheaper." Precisely. Some on here seem to be assuming that share prices have bottomed out already. | |||
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"Your loss people! You can't loose at the markets or at least it's very difficulty to. I'm just saying invest in pensions and stocks and shares isas! And stop worrying about it but if you want to have a go you have xtb and trading 212 that I use " I assume you mean that you can’t lose at the markets? If that’s what you mean, well that’s hilarious. | |||
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"spoke to my Financial advisor yesterday and converted pension pot to cash for stability. will review when the madness is over" If you’ve converted your pension to a cash lump sum, surely you’ve paid tax on 75% of it? And I thought you had to be at least 55 years old to cash in a private pension? | |||
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"A customer of mine when I was in business was a big noise in the city. He was asked what to do investment wise in turbulent times. His answer 'It's better to be liquid than profitable' Meaning I guess cash becomes king with the opportunities to buy cheaply." In today's world, Gold is King, and it's going sky high just now, I have a lovely nest egg of gold all bought around 10 years ago in 100grams bars. | |||
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"I’ve lost £25k in the last couple of weeks. Trump is a c@nt. " That's a lot! You must have a good sized pot of money in it. After the last two days mine is down £11k+ | |||
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"For the reason that pensions fall I started buying gold sovereigns 2 years ago, when they were £400. Now they're £560. Capital gains tax free. Only have a few but going to keep adding them till retirement in ten years. Kept in a safe deposit box(£150/year to rent) Gold is at an all time high due to the turbulence, once the market correct Gold will drop. Have a diverse portfolio by all means but beware of putting all your golden eggs in one basket!" Yeah I'm going for 20% total gold in portfolio. It might go down a bit but always keeps up with inflation https://www.bullionbypost.co.uk/gold-price/20-year-gold-price-chart-ounce-usd/ | |||
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"You clearly have no appetite for risk. Stop looking at it, just keep making the payments. I doubt today will be any better " Its yielded 40% in 2 years. China has been buying it all up too. Its not my whole strategy for sure, but it always at least keeps up with inflation, better than money in the at the moment | |||
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"As the saying goes, buy when there is blood on the streets. Be greedy when others are fearful. Be fearful when others are greedy. I bought £3,000 of LGEN on Friday and it is good to see NARF rocketing - will sell on Monday." Buy BAE systems shares All countries are increasing military and BAE systems supply a large share of the market My shares more than doubled price in a years | |||
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"Nope we know we will be. But unlike them, we'll be saddled with debt and no homes. allot of self pity going on here. snap out of it and stop being a victim!! my lad is 22, public sector worker (working shifts) and has moved out and bought a decent house and car already. his money not bank of dad. blaming everyone else isn't going to get you anywhere. " He is exceptionally rare. Average admin officer in civil service is on less than £25k a year. Savings a 10% deposit on a home assuming it's at least 200k Is a years salary. Living like your on the dole (assuming your in a room in a shared house paying £450 a month plus bills) means he'd have to save for three years, (afraid to buy new socks) just to get to the point where he could apply and then he couldn't afford the mortgage because a 180k loan on a 90% property would be over 1k a month Unless he's living on cat food and walking to work for the next 25years, how ? | |||
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"Just checked my pension pot to see how it's going, seems the recent market turmoil being caused by the orange baffoon has had quite a drastic effect. My modest pot has lost about £4k in the last two weeks. Not sure if to ride it out and hope it recovers or pull it out and put it somewhere safe.🤔 Ride it out, and keep buying!! It's time in the market not timing the market " ...this didn't age well...hahaha | |||
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"I'd not worry, always think long-term with investments. I'd see it as a buying opportunity. Invest more and buy more units while they are reduced in value." Bang on! You are one of the few who understands and will prosper over long term. Kudos. | |||
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" 4k? Some have lost 400k and still not panicking. Settle FFS " ...do you know who is panicking..?..Jamie Dimon...ceo of JPMorgan... He's also a major trump supporter.. | |||
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"Keep buying. Time in the market not timing the market." Find a new quote to quote | |||
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