{"id":40673,"date":"2021-05-25T15:14:02","date_gmt":"2021-05-25T14:14:02","guid":{"rendered":"https:\/\/ourtour.co.uk\/home\/?p=40673"},"modified":"2021-05-25T22:57:48","modified_gmt":"2021-05-25T21:57:48","slug":"why-weve-decided-to-sell-our-house-and-buy-shares-instead","status":"publish","type":"post","link":"https:\/\/ourtour.co.uk\/home\/why-weve-decided-to-sell-our-house-and-buy-shares-instead\/","title":{"rendered":"Why We&#8217;ve Decided to Sell Our House and Buy Shares Instead"},"content":{"rendered":"\n<p>Our biggest source of passive income over the past decade has been from property. The house we used to live in before we started motorhome touring has contributed the largest proportion from our various sources of income, with rent dropping in our bank account each month. We&#8217;ve recently decided to sell it though and move the money into shares, and this blog post explains why. <\/p>\n\n\n\n<p>This information might be of use to anyone thinking of selling up, but please bear in mind (a) we still have a house to live in while we&#8217;re in the UK so we&#8217;re not &#8216;stepping off the UK property ladder&#8217;, (b) we&#8217;ve not taken this decision lightly, we&#8217;ve been thinking it through for years and (c) we&#8217;re not qualified to offer any kind of financial advice, we&#8217;re complete personal finance amateurs &#8211; please don&#8217;t take any action based only on what you read here folks.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=\"https:\/\/ourtour.co.uk\/home\/wp-content\/uploads\/2019\/07\/IMG_20190709_083942561_HDR-1024x576.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2019\/07\/IMG_20190709_083942561_HDR-1024x576-1024x576.jpg\" alt=\"Jay at a friend's friend's friend's Swiss Chalet. This place was quite amazing, but well beyond our budget!\" class=\"wp-image-36121\" srcset=\"https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2019\/07\/IMG_20190709_083942561_HDR-1024x576.jpg 1024w, https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2019\/07\/IMG_20190709_083942561_HDR-1024x576-300x169.jpg 300w, https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2019\/07\/IMG_20190709_083942561_HDR-1024x576-768x432.jpg 768w, https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2019\/07\/IMG_20190709_083942561_HDR-1024x576-705x397.jpg 705w, https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2019\/07\/IMG_20190709_083942561_HDR-1024x576-450x253.jpg 450w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><figcaption>No, this isn&#8217;t my our house, we&#8217;re not THAT good at investing&#8230; :-)<\/figcaption><\/figure><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Our Investing Goals<\/h2>\n\n\n\n<p>Our overall investing goal is to be able to sit on the beach (or more likely go for a run in the mountains), while money just appears in our bank account to pay for everything we need, about \u00a320,000 to \u00a325,000 a year. It&#8217;s a pretty crazy idea, but it&#8217;s been working for the past five years for us after we left work aged 43 and have <a href=\"https:\/\/ourtour.co.uk\/home\/our-motorhome-tours\/\">been travelling Europe (on and off) ever since<\/a>. <\/p>\n\n\n\n<p>It&#8217;s perhaps worth me defining a couple of terms before we go any further:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Passive Income<\/strong> is money which appears in your bank without you having to swap your time for it: pensions, interest on cash savings, rental income from property, dividends and capital gains from shares, royalties from books or music are all forms of passive income. Often you work hard up front, but then get passive income from that effort for years or even decades. For those of us who&#8217;ve only ever been employees, and who come from backgrounds with no previous exposure to investing, passive income seems like a kind of magic. Believe me, it&#8217;s not.<\/li><li><strong>Financial Freedom<\/strong> is the position you&#8217;re in when you have enough passive income to meet all your future outgoings and you never need to work again (unless you choose to). Many of us get to this point when our personal and\/or state pension kicks in. A few get there earlier by planning, saving hard and investing in property, shares, bonds and other sources of passive income.<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=\"https:\/\/ourtour.co.uk\/home\/wp-content\/uploads\/2019\/06\/DSC06896.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2019\/06\/DSC06896-1024x768.jpg\" alt=\"Booted feet looking down on the Sustenpass in Switzerland\" class=\"wp-image-35953\" srcset=\"https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2019\/06\/DSC06896.jpg 1024w, https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2019\/06\/DSC06896-300x225.jpg 300w, https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2019\/06\/DSC06896-768x576.jpg 768w, https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2019\/06\/DSC06896-705x529.jpg 705w, https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2019\/06\/DSC06896-450x338.jpg 450w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><figcaption>We just want enough income to be able to enjoy this.<\/figcaption><\/figure><\/div>\n\n\n\n<p>We&#8217;re 48 though (soon to be 49), so we&#8217;re too young to get our pensions. As interest rates on cash are roughly nothing at the moment, and we can expect maybe only a 1% return on Premium Bonds, we&#8217;ve been forced to learn something about propery and stock\/bond market investing to get the income we want, and in turn to achieve our long-term goal of being &#8216;retired&#8217; for 40 or 50 years. It&#8217;s not rocket science and we&#8217;re most certainly not &#8216;traders&#8217; or &#8216;house flippers&#8217;. We&#8217;re not that interested in investing and don&#8217;t want to be thinking about it all the time, we just like the results! We&#8217;ve discussed all of this in <a href=\"https:\/\/www.amazon.co.uk\/gp\/product\/B08PC7VPQN\/ref=as_li_tl?ie=UTF8&amp;camp=1634&amp;creative=6738&amp;creativeASIN=B08PC7VPQN&amp;linkCode=as2&amp;tag=financial-freedom-posts-21&amp;linkId=85a8b2e457ac134b8317d938f39f63cf\">our book The Non-Trepreneurs<\/a> which explains the mindset and processes we followed in our personal goal to quit the office for ever.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Income from Our Rented Home<\/h2>\n\n\n\n<p>For the past five years that \u00a320,000 to \u00a325,000 of income has come from a range of sources: <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>the three bed house we used to live in (paid off),<\/li><li>a bungalow used to live in and now rent out (which has a mortage), <\/li><li>the three bed house\/shop we currently live in part of and let the rest out (paid off), <\/li><li>around \u00a3150,000 self-invested in share funds (held in ISAs), <\/li><li>royalties from our <a href=\"https:\/\/ourtour.co.uk\/home\/motorhome-and-campervan-books\/\">self-published books<\/a>, <\/li><li>Feed-In-Tariff payments for two roof-mounted solar arrays, <\/li><li><a href=\"http:\/\/julieandjay.co.uk\/\">Utility Warehouse<\/a> passive income payments,<\/li><li>advertising\/affiliate income from this blog,<\/li><li>and a small income from an emergency fund in cash and premium bonds.<\/li><\/ul>\n\n\n\n<p>Of these, the three bed house contributes the largest amount, roughly \u00a36,500 a year after all costs, which is about 3% the value of the house.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why We&#8217;ve Chosen to Sell The House<\/h2>\n\n\n\n<p>We know lots of motorhome travellers who&#8217;ve opted to rent their house out the same way we did, funding entirely or partly their nomadic lifestyle from rental income. Up until now, this approach has worked well for us, but a perfect storm of circumstances is pushing us to change our approach:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>COVID-19 means we&#8217;re likely to be in the UK for the foreseeable future, which means we&#8217;ll be around to do any work required to get the house sellable and manage the sale process (although it might be several months before the tenants leave).<\/li><li>We&#8217;re getting closer to 55 when our SIPPs (self-managed pensions) will come available, which will hopefully increase our income, but at the same time add to our income tax liabilities.<\/li><li>As well as income tax, rental houses attract a high rate of capital gains tax in the UK which doesn&#8217;t apply to assets held in Individual Savings Accounts (ISAs). If we sell now, it gives us a few years to transfer the money into our ISAs before we start getting pension income at 55 which would push us further over <a href=\"https:\/\/www.gov.uk\/income-tax-rates\">our personal allowances<\/a>.<\/li><li>Our shares crashed in February and March 2020, losing over 30% of their value at one point (they&#8217;ve more than recovered since then). We didn&#8217;t panic and sell, so are more confident in our own emotions around share fund investing.<\/li><li>While we&#8217;ve no plans to have a mahoosive blowout, we do want easier access to our money in future. Houses are notoriously illiquid, they take months to buy and sell with high transaction costs. Share funds in comparison take minutes to buy and sell, with very low costs.<\/li><li>Share funds are more passive than rental housing. Our tenants usually stay for over 5 years and we rarely have issues with the houses, but all the same we&#8217;re always waiting for a call about some problem or other, which we won&#8217;t have with shares.<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large is-resized\"><a href=\"https:\/\/ourtour.co.uk\/home\/wp-content\/uploads\/2021\/05\/VWRL-COVID-19-Pandemic-Crash-and-Recovery-Share-Price.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2021\/05\/VWRL-COVID-19-Pandemic-Crash-and-Recovery-Share-Price.jpg\" alt=\"How Vanguard's All World Share Tracker Fund VWRL Crashed and Recovered During the COVID-19 Pandemic\" class=\"wp-image-40731\" width=\"903\" height=\"412\" srcset=\"https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2021\/05\/VWRL-COVID-19-Pandemic-Crash-and-Recovery-Share-Price.jpg 950w, https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2021\/05\/VWRL-COVID-19-Pandemic-Crash-and-Recovery-Share-Price-300x137.jpg 300w, https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2021\/05\/VWRL-COVID-19-Pandemic-Crash-and-Recovery-Share-Price-768x350.jpg 768w, https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2021\/05\/VWRL-COVID-19-Pandemic-Crash-and-Recovery-Share-Price-705x321.jpg 705w\" sizes=\"auto, (max-width: 903px) 100vw, 903px\" \/><\/a><figcaption>How Vanguard&#8217;s All World Share Tracker Fund VWRL (See Below) Crashed and Recovered During the COVID-19 Pandemic<\/figcaption><\/figure><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">The New Strategy<\/h2>\n\n\n\n<p>Our new approach is pretty simple. When we eventually see the proceeds of the house we&#8217;ll do this:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Split the funds 50-50 between the two of us. We do this for two reasons: 1. we each have an equal footing in our marriage and sharing assets is part of that philosophy and 2. it also enables us to get best use of our personal tax-free allowances.<\/li><li>Shift the money into our share trading accounts.<\/li><li>Buy Vanguard Exchange-Traded Funds (ETFs), probably VWRL but we&#8217;ve not decided yet. VWRL is Vanguard&#8217;s All World passive tracker fund; with each share in VWRL we become part-owners in over 3,500 of the world&#8217;s large and mid-sized companies located in almost 50 countries. The fund is low-cost, spread across market sectors and makes no attempt to actively &#8216;pick&#8217; companies which outperform the others (the active approach <a href=\"https:\/\/www.marketwatch.com\/story\/more-evidence-that-passive-fund-management-beats-active-2019-09-12\">rarely works over the long term<\/a>).<\/li><li>Each April we&#8217;ll transfer our maximum allowances into our ISAs so it becomes sheltered from future income and capital gains tax.<\/li><li>We&#8217;ll keep the other two properties (plus the shop) so we&#8217;ll still have bricks and mortar to diversify our investments.<\/li><\/ol>\n\n\n\n<p>We&#8217;ll get around \u00a36,500 a year (rising with inflation) from our VWRL funds by doing this:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Vanguard will pay us dividends every 3 months, maybe 1.5% a year in total, although these aren&#8217;t guaranteed.<\/li><li>The rest of the income will come from selling some of the shares each year.<\/li><li>Although the number of shares we own will decline as a result, the remaining shares *should* increase in value by enough to maintain the overall value of the investment. Ideally we&#8217;d reduce our income in years the markets are down, which would help the investment thrive long-term.<\/li><li>Even before we transfer the shares into our ISAs we&#8217;ll each have <a href=\"https:\/\/www.gov.uk\/tax-on-dividends\">a \u00a32,000 tax-free dividend allowance<\/a>, plus <a href=\"https:\/\/www.gov.uk\/capital-gains-tax\/allowances\">a capital gains allowance of \u00a312,300 each<\/a> (assuming we don&#8217;t make any other gains that year), so we&#8217;ll reduce our income tax liability as soon as we move from the house into the share funds.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">What About the Next Big Crash?<\/h2>\n\n\n\n<p>History tells us the stock markets will, at some point in the future, crash again. This raises a serious question:<\/p>\n\n\n\n<p><strong>What if we invest all the house money and VWRL immediately crashes and loses 50% of its value?<\/strong><\/p>\n\n\n\n<p>The answer is this:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>We&#8217;d still own 100% of the shares we bought. Journalists love to write stories about how someone lost hundreds of thousands in a stock market crash, but by investing in a large number of companies it&#8217;s very unlikely they&#8217;d all go out of business. History has also shown us that the markets always recover after a crash (albeit often after a few years) and then plough on upwards afterwards. We&#8217;d just need to avoid selling them (which would lock in a real loss) and wait for the markets to come back up.<\/li><li>We&#8217;d have to be very unlucky to invest a large lump sum and the market to crash soon afterwards. If the crash happens a year or two in the future, it&#8217;s likely the shares would have appreciated at least a little, so we&#8217;d not be hit with the full force of that 50% spike downwards. We could mentally manage this risk by investing say \u00a310,000 a month rather than all in one go, spreading the investment out so if the market crashes at least some of our shares are bought &#8216;cheap&#8217; (this is called pound-cost-averaging). This is a form of market timing though, and <a href=\"https:\/\/www.vanguardinvestor.co.uk\/articles\/latest-thoughts\/how-it-works\/what-is-pound-cost-averaging\">statistically that doesn&#8217;t work<\/a>.<\/li><li>All the theory around broad index passive stock market investing (like with VWRL) takes these massive drops into account when predicting how much investors can take from their portfolios each year (look up the &#8216;<a href=\"https:\/\/www.madfientist.com\/safe-withdrawal-rate\/\">safe withdrawal rate<\/a>&#8216; if you&#8217;re in need to something to get you off to sleep). <\/li><li>We deliberately keep 2 to 3 years of living expenses in cash and Premium Bonds, so even if we lost 50% of our income and didn&#8217;t manage to replace any of it through getting jobs, we could live for between 4 and 6 years before we had to sell more of our other investments. By then we&#8217;d hope the worst of the crash was over.<\/li><li>We *could* reduce the volatility in our investment by popping a percentage of it into a &#8216;fixed-income&#8217; bond fund like Vanguard&#8217;s VAGP, which invests in over 7,000 bonds around the world. We probably won&#8217;t do that though as (a) our SIPPs are invested in Vanguard&#8217;s Lifestrategy 80 fund, which has 20% bonds so we already own some bond funds as well as our Premium Bonds and (b) we&#8217;re OK with the value of our non-pension funds bouncing up and down, and in theory we should get a greater return over the long term if we go 100% into shares. We may well change this approach as we get older.<\/li><\/ul>\n\n\n\n<p>Put more simply, even if there&#8217;s a big old crash, we&#8217;d feel rubbish for a good while but in reality nothing huge would happen for us at a personal level. The media would be screaming headlines about the world imploding but in all likelihood governments will take action to quickly stabalise the problem. All those businesses we part-own will carry on ploughing the efforts of millions of employees into innovating new products and services and selling them into the enormous numbers of <a href=\"https:\/\/www.brookings.edu\/blog\/future-development\/2018\/09\/27\/a-global-tipping-point-half-the-world-is-now-middle-class-or-wealthier\/\">people achieving a middle-class lifestyle<\/a> around the world in the coming decades (I&#8217;m not arguing this is a good thing, just a likely reality once the worse effects of the pandemic are finally over). As global capitalism continues its relentless march, markets will recover and the papers will start screaming about something else. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Want to Learn More About this Investing Approach?<\/h2>\n\n\n\n<p>If your interest in share funds has been piqued by this all this racy investment talk, grab a copy of <a href=\"https:\/\/www.amazon.co.uk\/gp\/product\/1533667926\/ref=as_li_qf_asin_il_tl?ie=UTF8&amp;tag=reviewpagebottom-21&amp;creative=6738&amp;linkCode=as2&amp;creativeASIN=1533667926&amp;linkId=0f754cb3d6cd59e2b5212307d60a5d14\">The Simple Path to Wealth<\/a>. It&#8217;s brilliant, straightforward, entertaining and describes all this stuff far better than I ever could.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=\"https:\/\/ourtour.co.uk\/home\/wp-content\/uploads\/2018\/07\/IMG_20180729_181053607_HDR-1024x576.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2018\/07\/IMG_20180729_181053607_HDR-1024x576-1024x576.jpg\" alt=\"Jay at the Carfest North 2018 Music Festival\" class=\"wp-image-29930\" srcset=\"https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2018\/07\/IMG_20180729_181053607_HDR-1024x576.jpg 1024w, https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2018\/07\/IMG_20180729_181053607_HDR-1024x576-300x169.jpg 300w, https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2018\/07\/IMG_20180729_181053607_HDR-1024x576-768x432.jpg 768w, https:\/\/ourtourmedia.s3.eu-central-003.backblazeb2.com\/wp-content\/uploads\/2018\/07\/IMG_20180729_181053607_HDR-1024x576-678x381.jpg 678w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><figcaption>Cheers, happy investing! Jay<\/figcaption><\/figure><\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>We&#8217;re selling our main property in the UK and investing the money in shares. Here&#8217;s how we&#8217;re doing it, and why.<\/p>\n","protected":false},"author":1,"featured_media":35953,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[412],"tags":[824,644,877,918,645,743,873,846,886,937],"class_list":["post-40673","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-freedom","tag-financial-education","tag-financial-freedom","tag-financial-freedom-blog","tag-financial-freedom-uk","tag-financial-independence","tag-financially-free","tag-investing","tag-investments","tag-property-investment","tag-share-investment-uk"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Why We&#039;ve Decided to Sell Our House and Buy Shares Instead<\/title>\n<meta name=\"description\" content=\"We&#039;re selling our main property in the UK and investing the money in shares. 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