Curious on peoples thoughts on where they are putting their money in 2018 ... Residential property (certainly in Sydney/Melbourne) looks overvalued. Commercial property yields have contracted ASX doesn't look great value Fixed interest rates are too low Looking for food for thought? Regards, Jason
apart from isolated opportunities ( rural and semi-rural properties ) , some shares being overly punished i have to agree risk outweighs potential mid-term ( 5 years ) reward , currently but how far left field do you want to go .. IF you want to sacrifice liquidity ( the ability to exit quickly if needed ) some extra options may open ... say collectible motor vehicles ( or even coins as real money gets rarer ) from your examples given , i assume you need regular income from these investments and that really makes it tricky . how about property that would allow car-parking ( weekly leases or for special events like car boot sales ) very hard currently to get income at the reduced risk of capital loss ( if you are forced to sell ) and yes like you, i really need to park some cash in a sensible place cheers
Agree with each of your four bullets, Jason. Worth looking at foreign equity markets, which (excluding the US) have much more sensible valuations. There are some ASX-listed ETFs and LICs to give you such exposure, if you don't want the hassle of a foreign brokerage account. (Not investment advice)
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can the funds manager protect against capital loss ( without using options and derivatives , which raises costs/fees and eats into returns if some bets are misplaced .) ?? in a bull run like this i would try to increase my interest-bearing securities exposure , normally but once you factor in inflation risks these vehicles look less attractive as well property ?? ( imo) coming off a peak will it be a soft or hard landing safe havens then ?? on the ASX you have 4 ( big ) banks , a telco ( TLS ) two big food retailers ( WES and WOW ) two big utilities players ( AGL and ORG ) and two miners ( BHP and RIO both rather over-valued considering where they sit in the investment cycle ..... anyone one feeling safe about dumping loads of cash in these ( certainly not me ) my 'twisted ' safe havens have already bolted or stumbled badly ( CLV up well over 100% , CCP up close to 250% , CCV is struggling and may yet be a dud pick , CCL needs to be closed to $7 to get me to add more .. let's call it battered with some hope ) but the question is where is good for a cash injection in your investment portfolio yes the fund managers are professionals but crikey this feels ( to me ) somewhere near the top of the cycle ( say another 10% upside is possible [ XJO = 6710 ] but i think unlikely and PLENTY of downside risk [ good luck if XJO =4500 is convincingly broken ] ) to be honest you are really expecting miracles from your manager to not get washed downhill if the wave of optimism bursts
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