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Paninistickers

Investments, stocks, shares

By Paninistickers, in General Chat

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Bellend Sebastian

Bellend Sebastian

Posted
Posted
16 hours ago, Paninistickers said:

anyone got an opinion on a SIPP? 

 

Just in process of transferring a pension into one. Not my main personal pension but workplace one picked up with previous employer. 

 

Is it possible to choose an aggressive, higher risk fund? Or are most of the funds fairly vanilla? As this pension point is a bit of a bonus, wondered if I could go hard on this one for a decade or so. I've chosen to go with ii as the provider. 

A SIPP in practice can be one of two things - a scheme with pretty much open architecture that will let you hold just about anything within reason, including 'exciting' things like actual commercial property. These are usually marketed as SIPPs, but quite a few mainstream pensions, particularly those on platforms use a SIPP structure to open up the range and type of collective funds you can invest in, compared to an old style insured pension plan. Makes things a bit more complicated from an FSCS point of view but in practice it doesn't make a huge amount of difference

  • Thanks 1
lcfc sheff

lcfc sheff

Posted
Posted
On 15/11/2025 at 12:55, Spiritwalker said:

 

 

 

From what I’m reading on other platforms the consensus amongst the charters is that 26p was

the bottom and many are expecting a decent rise from here.

Which platforms may I ask? 😀

Spiritwalker

Spiritwalker

Posted
Posted (edited)
44 minutes ago, lcfc sheff said:

Which platforms may I ask? 😀

ADVFN and LSE  EEE share chat.

 

Just to warn you there’s a large number of nutters on both platforms 

but also some informative posters, a bit like FT.lol

Edited by Spiritwalker
  • Thanks 1
lcfc sheff

lcfc sheff

Posted
Posted
17 hours ago, Spiritwalker said:

ADVFN and LSE  EEE share chat.

 

Just to warn you there’s a large number of nutters on both platforms 

but also some informative posters, a bit like FT.lol

Something is happening, directors have just bought a **** load of shares 

  • Like 1
lcfc sheff

lcfc sheff

Posted
Posted
1 minute ago, CornwallFox said:

When, just in the last few days? 

I know a couple bought £6.4m worth of shares between them in September.

On the LSE website for EEE, not £6.4m worth but still a good amount to suggest their confidence 

Raj

Raj

Posted
Posted (edited)
11 minutes ago, lcfc sheff said:

Something is happening, directors have just bought a **** load of shares 

Thats just LAko42 topping up his millions!!

Edited by Raj
  • Haha 3
JonnyBoy

JonnyBoy

Posted
Posted
On 15/11/2025 at 12:55, Spiritwalker said:

 

 

 

From what I’m reading on other platforms the consensus amongst the charters is that 26p was

the bottom and many are expecting a decent rise from here.

 

bought a load on Friday for 27.5p, first for this stock. Seems a sensible decision, wish i bought more now. 

 

Anyone think BME is a buy a the moment? seems really low 

  • Like 1
Raj

Raj

Posted
Posted
4 minutes ago, JonnyBoy said:

 

bought a load on Friday for 27.5p, first for this stock. Seems a sensible decision, wish i bought more now. 

 

Anyone think BME is a buy a the moment? seems really low 

bought some years ago at 304 and topped up a month ago at 179 and its bombed further.

Great dividend yield but how long it will last if the SP keeps bombing and with the retail sectors as it is its a risk!!

  • Like 1
The Hitman

The Hitman

Posted
Posted

I’ve got a wedge of money coming from a work share scheme in the near future. 

 

I keep reading about this big crash that’s coming and it makes me wonder whether to chuck it into premium bonds for a year and wait for it before investing. I already regularly invest into the S&P500 but this money will be 5x my current portfolio, so if it crashes it’ll take a long time to recover. 
 

I’ve always drip fed into it rather than pay in big chunks. 
 

The problem is I will do that and then the bubble will never burst, I know these things are impossible to time. 
 

I think a lot of it is they’re predicting the AI bubble to burst at the top of the S&P500 but what’s to say it actually will?
 

Interested to hear other people’s opinions/research on this supposed looming crash/correction. 

Spiritwalker

Spiritwalker

Posted
Posted
9 hours ago, JonnyBoy said:

 

bought a load on Friday for 27.5p, first for this stock. Seems a sensible decision, wish i bought more now. 

 

Anyone think BME is a buy a the moment? seems really low 

Down 55% in a year with a PE of 6.4 looks cheap but as with all down beaten stocks

its probably best to do some extra research on the reason for the drop.

  • Like 1
Spiritwalker

Spiritwalker

Posted
Posted
27 minutes ago, The Hitman said:

I’ve got a wedge of money coming from a work share scheme in the near future. 

 

I keep reading about this big crash that’s coming and it makes me wonder whether to chuck it into premium bonds for a year and wait for it before investing. I already regularly invest into the S&P500 but this money will be 5x my current portfolio, so if it crashes it’ll take a long time to recover. 
 

I’ve always drip fed into it rather than pay in big chunks. 
 

The problem is I will do that and then the bubble will never burst, I know these things are impossible to time. 
 

I think a lot of it is they’re predicting the AI bubble to burst at the top of the S&P500 but what’s to say it actually will?
 

Interested to hear other people’s opinions/research on this supposed looming crash/correction. 

Here is the best answer to your question imo.

On 07/11/2025 at 13:34, CheeseHead said:

Peter Lynch, one of the greatest investors of all time: "Far more money has been lost by investors preparing for corrections, or trying to anticipate corrections, than has been lost in corrections themselves"

 

  • Like 2
The Bear

The Bear

Posted
Posted (edited)
33 minutes ago, The Hitman said:

I’ve got a wedge of money coming from a work share scheme in the near future. 

 

I keep reading about this big crash that’s coming and it makes me wonder whether to chuck it into premium bonds for a year and wait for it before investing. I already regularly invest into the S&P500 but this money will be 5x my current portfolio, so if it crashes it’ll take a long time to recover. 
 

I’ve always drip fed into it rather than pay in big chunks. 
 

The problem is I will do that and then the bubble will never burst, I know these things are impossible to time. 
 

I think a lot of it is they’re predicting the AI bubble to burst at the top of the S&P500 but what’s to say it actually will?
 

Interested to hear other people’s opinions/research on this supposed looming crash/correction. 

The crash is inevitable. History has shown it happens every decade. The current share prices, property prices, inflation rates, etc are just completely unsustainable and are key indicators before most crashes. Most people's guess is sometime next year or at the latest 18 months. Impossible to predict when though. 

 

I'm comfortable enough financially at the minute to plan on getting out conpletely by the end of the year and then just wait until it happens. Doesn't matter if I miss out on some gains for 12 months as I've already made more in the last 2 or 3 years  than I'd lose out on. Then I have a portfolio prepared to hopefully take advantage of the inevitable lower prices. Mostly ETFs and ISAs. 

 

Of course you can just leave your money in long term and it'll all recover again eventually. But the rich generally get richer using recessions, and more millionaires are made after crashes than any other time. 

Edited by The Bear
  • Thanks 1
VLC86

VLC86

Posted
Posted
27 minutes ago, The Hitman said:

I’ve got a wedge of money coming from a work share scheme in the near future. 

 

I keep reading about this big crash that’s coming and it makes me wonder whether to chuck it into premium bonds for a year and wait for it before investing. I already regularly invest into the S&P500 but this money will be 5x my current portfolio, so if it crashes it’ll take a long time to recover. 
 

I’ve always drip fed into it rather than pay in big chunks. 
 

The problem is I will do that and then the bubble will never burst, I know these things are impossible to time. 
 

I think a lot of it is they’re predicting the AI bubble to burst at the top of the S&P500 but what’s to say it actually will?
 

Interested to hear other people’s opinions/research on this supposed looming crash/correction. 

Sounds like you’ve probably watched similar videos to me but the ones I’ve watched suggested that because the big 8 companies are all buying off each other and all of their share prices are rocketing, money is effectively being double counted which is what has happened in previous crashes. 
 

I’ve just had a share save scheme mature in which I made very healthy profits and I’ve sold up and done exactly what you have said, and will then pay debts off with it (mortgage etc). That’s a personal decision, but for me I felt like I’d already massively won and even if it kept going up I wouldn’t regret it but I would absolutely regret it should I not take it out and it dropped.

 

Im no expert in any of this though.

  • Like 2
The Hitman

The Hitman

Posted
Posted
16 minutes ago, VLC86 said:

Sounds like you’ve probably watched similar videos to me but the ones I’ve watched suggested that because the big 8 companies are all buying off each other and all of their share prices are rocketing, money is effectively being double counted which is what has happened in previous crashes. 
 

I’ve just had a share save scheme mature in which I made very healthy profits and I’ve sold up and done exactly what you have said, and will then pay debts off with it (mortgage etc). That’s a personal decision, but for me I felt like I’d already massively won and even if it kept going up I wouldn’t regret it but I would absolutely regret it should I not take it out and it dropped.

 

Im no expert in any of this though.

Sounds like we’re in the same boat. 
 

I think this is the way I’m leaning. Peace of mind of being in the premium bond lottery but safe money for the foreseeable and see how it goes. 

Spiritwalker

Spiritwalker

Posted
Posted
On 17/11/2025 at 10:19, JonnyBoy said:

 

bought a load on Friday for 27.5p, first for this stock. Seems a sensible decision, wish i bought more now. 

 

Anyone think BME is a buy a the moment? seems really low 

There’s an upbeat article on Motley Fool today might be worth a read if you’re still interested in BME.

  • Like 1
CornwallFox

CornwallFox

Posted
Posted (edited)
18 minutes ago, JonnyBoy said:

 

empire metals, flying today 

Ah my stupid bad. So it is, their share price almost seems entirely random at this point. Feel like it'll take them getting extraction actually happening before it settles down and we really know what we've all got. We're currently a few pence below my average purchase price still as I came in late

Edited by CornwallFox
JonnyBoy

JonnyBoy

Posted
Posted
16 minutes ago, CornwallFox said:

Ah my stupid bad. So it is, their share price almost seems entirely random at this point. Feel like it'll take them getting extraction actually happening before it settles down and we really know what we've all got. We're currently a few pence below my average purchase price still as I came in late

yep not sure wether to just sell or wait as i think this one will be the long game! will take years to know 

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