Member Info for Dustbin101

The. single share i hope will enable me to increase my pension 100 fold in 20 years, ended the week , on a 25 year high .

Triad Group PLC

Long may it continue

Age Average Pension pot size ( source uk Government

16-24 £2,700

25-34 £9,300

35-44 £30,000

45-54 £75,500

55-64 £107,300

This chart yet again shows what a waste of space saving each month, for a lifetime , only to produce these tiny amounts.

For my single stock , Triad Group , to achieve growth of 25% compound, ( assuming one started today as a new investor ),would, over the next 3 years, need to roughly double, from todays price of £1.70.

The market Cap would then equate to £60M in 3 years time.

Fast growing profits of at least £4M a year would be required to deliver that kind of increase in the share price.

Revenues should increase rapidly as a result of recent contract wins.

Forecasting is a tricky business , however it’s made a sight easier, when one has a full order book on day one.

Dividends would also provide a decent income while one waits hopefully for the stock to increase.

Here we go again , just look at the pension managers (Sheep) making 100% sure they will yet again produce dire returns for workers /pensioners, as they all pump renewables.

Nine in ten pension funds intend to increase renewable energy investments

Over a quarter plan to increase allocations by more than 21% in the next three years

Martin Richmond

Martin Richmond clock

23 January 2024

• 3 min read

Https://ifamagazine.com/uk-financial-planning-week-average-uk-pension-pot-peaks-in-your-fifties-whereas-isa-valuations-peak-in-your-seventies/

Yet again shows what crap pensions are for 95% of the population.

Look at the numbers for the very top tier pots of just £400,000 thats got to last perhaps 30 years.

Those down the scale might get an additional £3,000 a year on top of the state pension in return for a lifetime of saving.

Rubbish.

Had you invested in Triad Group plc 10 years ago your investment would have grown over 25% Compound per year .

The shares cost 11P at the time, and even without the massive price increase over the last ten years , dividends since paid, have been in excess of the purchase price.

More than a third (36%) of British employees will continue working past state pension age because they do not think their pension will cover their day-to-day expenses, according to research by Canada Life.

The retirement, investment and protection provider, which surveyed 2,000 UK adults, found that 52% of respondents who said this would be the case are aged 55 or over. Half (49%) of those who are not already retired plan to work beyond the age they will receive their state pension, the equivalent to 19.2 million employees.

Of those workers, the average individual expects to work until they are 72, up from an estimated 70 years old in 2022

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Yet more direct proof that the pensions industry has totally failed to deliver decent pensions after a lifetime investing, on behalf of workers.

They should be sacked on the spot.

Https://www.theguardian.com/money/2024/jan/13/divert-national-insurance-cut-bonus-to-a-uk-pension-experts-say

Yet more crap advice from pension experts, pushing young people to put yet more into their pensions !!

Https://www.triad.co.uk/case-studies/helping-the-moj-save-money-by-replacing-legacy-it-systems/

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The above has recently been published.

A glowing report from Triads client.

Now, thats what i call a rather good return on investment.

Use cases like that ,will enable the company to grow rapidly, in my view ,across all uk Government departments .

Most of all ,everyone is a winner, inc the taxpayer.

“According to Hargreaves Lansdown’s pension calculator a 22-year-old earning £25,000 per year and contributing 8% to their pension would have around £155,000 by the time they are 68. Someone starting ten years later in the same circumstances would find their pension closer to £110,000.”

This poor sod has to save EVERY MONTH for 46 YEARS to pick up £155,000 that after inflation ( based on the last 46 years ) will be worth just £22,000 in 46 years time. !!

Total disaster.

How can these pension providers sleep at night !!

Pensions in Europe.

Who pays

Food for thought.

If predictions are accurate, this will be a problem, since the number of people over 65 are expected to increase from one in 11 people to one in six by 2050.

The Wolf of Investing: My Insider's Playbook for Making a Fortune on Wall Street Hardcover – October 31, 2023

by Jordan Belfort (Author)

4.5 4.5 out of 5 stars 53 ratings

#1 Best Seller in Stock Market Investing

My SIPP pension pot is on target to grow 100 fold over 20 years with 1 year 9 months to go.

It has been compounding at an average rate of just over 25% P/A for the last 18 years and 3 months.

For those who might want to attempt the same, a good book has just been published by the Wolf of Wall St.

His advice is invest a small amount into an S&P 500 fund and just wait for the long term compounding effect to lift your savings pot.

It will not return 25% compound though, more like 1/3 of that at 9.86% each of the last 30 years.

The result being its going to take much longer to 100 bag your pension pot.

49 years not 20

He British corporate sector is dying in front of our eyes. Corporate decay and the lifelessness of our stock market, now ranking a mere 10th in the world, affects everything: jobs, careers, good wages, pensions, tax revenues and vibrant public services. Worse, Britain is rich in the research and intellectual knowledge on which successful 21st-century economies will be founded: the opportunity is being squandered. Decisively addressing what is happening must be at the forefront of the 2024 electoral debate.

What needs fixing is the financial doom loop in which our publicly listed companies are locked. Britain has organised its savings system not to support British company formation and growth. In essence our pension funds, the single most important way we save collectively and a source of finance for business, have been set up so that increasingly the “risk” of investing in British companies has been avoided or not undertaken at all. Michael Tory, former Morgan Stanley banker and co-founder of the investor advisory consultancy Ondra, calculates in his research paper “Britain plc in Liquidation” that in 1990 UK pension funds owned more than £1tn worth of UK companies; now they hold less than £100bn. Increasingly, they invest in safety-first government bonds or in destinations overseas. It is a de facto investment strike – a wrong-headed attempt to make pension funds so safe they are killing our economy and paradoxically themselves.

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The last two sentences sum up what an utter disgrace the present pension saving market is ,for the average worker.

Crap returns are guaranteed :!!!

The FTSE100 is 40 years old today, this article from the Guardian, sums up my view that selecting an index ,or a basket of shares, for long term growth , is a total disaster.

Those looking after the pension pots of the nations workers, are failing them BIG TIME.

The score for the Footsie after four decades is a rise from 1,000 points at launch to 7,733, though that understates the total return because the constituents obviously paid dividends along the way. With dividends reinvested, a £1,000 investment in the Footsie in 1984 is now worth £22,550. If that sum sounds enormous, remember the powerful effect of compounding. The annualised rate from owning the Footsie for 40 years is slightly more than 8%, which comfortably outstrips inflation but is not Warren Buffett’s 20%-ish.

Happy new year, to anyone who follows my Personal Pension Thread.

The 2040 Nest Retirement Date Fund, which currently represents the growth phase of the pension fund's default strategy, has delivered annualised returns, net of annual management charges, of 7.3 per cent over the past decade, outperforming its target return of 5.8 per cent.

In its 2022/23 annual report and accounts, which detailed the default fund's performance, Nest Corporation also showed that some 99 per cent of its now 12 million members are in the scheme's default investment strategy.

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The trustees and managers of this fund in its so called,” growth phase” , should be sacked within the next 24 hours.

To have a growth target of just 5.8% is a disgrace ( inflation has been double that).

To offer decent returns for pensioners on retirement they should be looking for 20% plus a year.

The worst pension reform this year has to be the Auto Enrolment into your companies pension scheme at 18.

The Government and pension industry loved it.

A deduction from your pay for perhaps 52 -55 years, every month for LIFE.

Why on earth would you do that , when my free thinking idea of investing a small lump sum when your young can produce outstanding results for a tiny fraction of the price.

Pension scheme managers to improve their performance to match Warren Buffet.

I am absolutely delighted with the performance of my single stock Triad group plc in 2023.

73% higher today than this time last year.

Now to 2024 prospects.

Triad Director buying last week, and a massive jump in the order book should hopefully do the trick.

With just 21 months to go , to achieve my target of increasing my C: £30,000 pension pot into £3M (100 times ) within 20 years, i am super confident . Note this is WITHOUT paying any additional premiums over the last 18.25 years.

A lot of people think that if they have a hundred stocks they’re investing more professionally than they are if they have four or five. I regard this as insanity.’

Buffett and Munger both got rich making concentrated investments in individual companies, and Munger, in particular, scoffed at financial professionals who spread their bets across an array of names. The quote above is from the 2021 shareholder meeting for the Daily Journal Corporation, where he would go on to mock the concept of diversification.

“I think it’s much easier to find five than it is to find 100,” Munger said. “By the way, I call it ‘diworsification,’ which I copied from somebody. And I’m way more comfortable owning two or three stocks, which I think I know something about and where I think I have an advantage.”