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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

to think savings will be worthless?

243 replies

HopelessLayout · 29/04/2020 16:35

So governments are printing money hand over fist to cover all the Covid bailouts. Isn't this going to cause hyperinflation when it is all over?
I have modest savings put away for my retirement in a few years' time, but perhaps I should just blow the lot now.

Please tell me if I am misunderstanding the situation.

OP posts:
henryscatoscar · 30/04/2020 18:20

www.moneysavingexpert.com

Martin Lewis still has the common sense no bs advice

Bristolbitsandbobs · 30/04/2020 18:28

@Womanlywiles you can access money accounts but they are not basic here and usually £50k+ min deposit. Different products available in the US and the UK is quite common.

Feefsie · 30/04/2020 18:45

You need to see an independent financial adviser about investing your pension money. A Self Invested Pension Plan or SIPP can be set up according to your age, time to retirement and level of risk. It should be a balanced portfolio that can withstand market shocks to protect your capital sum.

Womanlywiles · 30/04/2020 18:47

Vanguard was founded by a famous American investment guru called John C. Bogle. During some undergrad research he discovered that various investment funds had not done any better than the general Indexes. An Index is a list of companies in a certain category as a way of following general price trends in that category. So for example the S & P 500 index follows the fate of 500 of the largest American companies. It's a way of following the general trend of the overall stock market in a certain category. A well known Index in the UK is the FTSE 100 which you will often see in the news footer trailing financial news. It's a measurement that gives you a good general idea of the price and health of the UK stock market at a given moment. Indexes don't contain EVERY stock in a given stock market, but they usually list the big players in that particular category, whatever it is you are measuring. They are often used as a benchmark for the general health of the stock market and economy and which as an investor you can compare your own investments against.

Investment vehicles such as a Mutual Fund where many small investors (such as you and I) pool all our money are usually managed by investment fund managers who pick a range of stocks they hope will perform well in the long term.

Bogle discovered that rather than worry about picking the right stocks and paying fees to a third party to manage your stock for you, investors could be just as successful by investing in all the companies in an index and just letting the stock follow the index up and down. This is called an Index Fund. Due to its simplicity there is no need for expensive management and it is a simple investment that everyone can understand. It's also easy to know how well your fund is doing. There are some fees and costs involved with Index Funds but they are generally much cheaper than other similar investments. So Bogle was on the side of the investor, keeping as much of your money in the investment and less on fees.

So by investing in a general Index you are investing in the general health of the economy and in the prominent companies in the economy. If you think that over time (decades) the economy will get stronger and these companies will continue to be big players, your investment is following a much broader, overall bet that overtime the economy will be worth more than it is today. Up until our current world crisis, as the world economy grew and inflation cheapened money over time, long term, the stock market went up.

However, I do think the world economy will change now in ways we can't imagine. Some very big companies are now in very serious trouble and others are doing spectacularly well. So by nature the stock market is volatile and this is probably going to be the most volatile time we have ever seen in the next couple of years. This would not be the time to put lots of money in that you want you take out in the next 5 or even 10 years. But 15+ years for building wealth over the long term is more the horizon you need to be thinking for most stock market investing, for retirement or other large financial goals.

Womanlywiles · 30/04/2020 18:55

And of course there is nothing to stop you having a flutter on some individual stocks you have your eye on. But that should be "play money" you can afford to lose. Your long term investments should be in safer investments where the risk is lower. I can encourage my teenagers to chose some fun outliers for their investments as they have DECADES before they need the money and can afford much higher risk. No investment is without risk however.

EasyPleasey · 30/04/2020 19:05

Get a stocks and shares ISA OP

Womanlywiles · 30/04/2020 19:07

BitsandBobs yes thanks, absolutely. That's why I am trying to talk in general terms and those of you in the UK can explain the specifics of the different types of pension funds for UK investors for example.

deandra · 30/04/2020 19:35

Just been informed by my bank that my interest rate (ha) is going from 0.10% to 0.01% 😂. Tbh the only reason I have it in there is so I don't have to keep it under my mattress 😂.

Echobelly · 30/04/2020 19:39

I do worry about hyperinflation, but less of a problem still be 2-3 decades off retirement...

I have a large sum right now all sitting in savings due to an inheritance, though I'm just glad none of it is in investments right now, as those are going to crash like a bastard. May have to invest in renewable energy and such while everything's at the bottom, though!

Aglet · 30/04/2020 20:10

Put it in premium bonds.

Lifeisgenerallyfun · 30/04/2020 20:12

I suspect prices will adjust to more realistic levels for many goods/services/food for many different reasons. I think we might need to adjust our expectations about what we can afford going forward. But I don’t foresee hyper inflation.

RosesandIris · 30/04/2020 20:50

What is the advantage or premium bonds? If the chance of winning anything is low and there is no interest I can’t see the point?

campion · 30/04/2020 23:20

You dont lose money overnight with Premium bonds. I worked out mine have returned 1.8% over the 2 and a half years I've had them. So better than the 0.03% my regular saver account has just reduced to (and which I'm closing).
Also better than my stocks and shares Isa but I'm hoping they'll recover eventually.

MrsMum2012 · 30/04/2020 23:50

www.royallondon.com/media/press-releases/2019/november/financial-advice-provides-47000-wealth-uplift-in-a-decade--new-research-from-royal-london-and-the-international-longevity-centre/

I am a (female) financial adviser, qualified nearly 20 years and currently a mentor and coach helping new trainee financial advisers so I hope sufficiently qualified to comment.

My advice is really simple:
Step 1 - get proper financial advice from a qualified financial adviser
(A quick read of the above article will explain why good financial advice IS worth paying for)
Step 2 - see Step 1 above

Please don’t take financial advice from (well-meaning) strangers on the internet. There are so many excellent wealth advisers out there (of course some not so good but a recommendation from a trusted friend or family member will usually get you seeing someone decent).

Women suffer financially because they don’t seek advice often enough. This leads to some women retiring on reduced incomes in comparison to similar aged men, despite women being likely to live longer. Women are also underinsured and suffer financially during ill-health. Looking after your money isn’t ‘just’ about investing and so researching the multitude of investment options available only solves a small part of the problem. I encourage you all to ask a friend / family member for a recommendation for a financial adviser and just have a chat!

Good luck with your next steps, making good financial decisions is really empowering ... it’s why I love what I do!

Gobbolinocat · 01/05/2020 00:21

I'm sure it's already been said but no one should have all eggs in any one basket. Have cash at hand and other investment.

I have sipp and s and s isa both doing really well before this crisis.
I've used some cash to buy more... And I have no fear at all that I will loose money. In a few years it will be fine. My us bonds are doing really well.

If you have investment your supposed to switch more into bonds before you need to draw on it anyway so you should be fine

Gobbolinocat · 01/05/2020 00:24

Echo if I had any money I'd be buying like buggery right now!!

My goodness, buy low buy low.

Buy indexes if your worried.

Gobbolinocat · 01/05/2020 00:29

You'll loose money in stocks if you need to cash out at Loss which is why no money should be in them if you don't have cash buffer first.

Once have cash buffer then have isa s and s.

Vanguard have excellent range.
I'd have about 6 different holdings.

Rebelwithallthecause · 01/05/2020 00:29

@MrsMum2012 what should someone expect to pay for independent financial advise?
I’ve often thoughts about it and thinking more so now than ever

Gobbolinocat · 01/05/2020 00:43

Womanly wiles some excellent posts!

One of my poor 12 year old dd home project by me Is actually to create a pp on bogle. Vanguard.
Moats.
Index funds.
Top 10 companies in ftse 100. What is fste. What is s and p 500.
.and also... That we don't panic and sell during a crash if anything we buy.

We check our funds after 3 years. We sell. We read. We forget and hold!

Poor thing.. She's bored ridged but she understands it.

Gobbolinocat · 01/05/2020 00:44

Rebel I think for millions maybe but normal folks... Spread risk... Spread income.

LorenzoStDubois · 01/05/2020 02:53

That's the whole idea.
That's what the banking corporations want.
To encourage people to spend, rather than save.
And then have us beholden to the banks with loans and rising interest rates later on. Thus, further enriching the 1%.

Womanlywiles · 01/05/2020 05:28

Lorenzo interest rates are not going to be going up for the foreseeable future, give us any reason why they would? They have been historically extremely low since the last financial crash in 2008. Also one of the most important moves you should make in your financial life is getting rid of any high interest debt (such as Credit Cards). CCs should be paid off in full every month. I only use them to keep my credit score high. I just use mine to pay for petrol and pay it off in full each month. The only debt DH and I have is our mortgage and it has a very low fixed rate. I know fixed rate mortgages don't seem to exist in the UK? Has that changed? Basically, do everything in your power to stay out of debt, and with a mortgage you have a secured debt, against an asset that has historically kept in line with inflation or better and of course you can live in it!

BarbaraofSeville · 01/05/2020 05:42

Fixed rate mortgages do exist in the UK and are very popular, despite them almost always costing more than tracker rates and being inflexible and expensive to get out of.

I can see the advantage of locking in to a long term low fix while rates are so low now, but going back 10-15 years, people would have been much better off taking lifetime trackers but many people didn't due to a fear that interest rates would shoot up like they did in the late 1980s despite it being an impossibility in the last 10 years and in the short to medium term going forwards because there's so much business, government and personal debt that even a modest increase in interest rates would totally destroy the economy that has been propped up by historically cheap borrowing.

Womanlywiles · 01/05/2020 05:52

Exactly Barbara.

Womanlywiles · 01/05/2020 06:11

Gobbolinocat it's fantastic that you are giving your dd a financial education. My teens all have side hustles and I have investment accounts for them where DH and I are the guardians but the money is 100% theirs. A percentage of their birthday money etc. goes in them, but mostly it's their own work and their own cash they earn that goes into them. We pick stocks based on what they know about and see their friends using. My son chose some gaming companies for example. My dd is a Freshman in college and she worked and saved 5k this past summer and paid for a trip to Singapore with her bestie before school started. Her goal is to be able to buy an apartment after graduation, so she is saving for a downpayment. We also donate regularly to a local food bank and the kids have been dropping off physical donations of "Birthday Bags". You buy everything needed for a birthday: Cake mix, candles, balloons, decorations, invitations etc. and include a gift card, so struggling families can still celebrate their child's birthday. I think it's important that giving should be part of a financial education.

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