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by tjh290633
October 22nd, 2019, 11:02 pm
Forum: Retirement Investing (inc FIRE)
Topic: Stupid question about estimating future ROI
Replies: 11
Views: 659

Re: Stupid question about estimating future ROI

The increase in capital value of my HYP since January 1st has been over 13%, with all dividends reinvested. Some years it is negative. Over the last 32 years it has given an XIIR of between 10 and 11%. I can't give the exact figure, as I am not at home. TJH I've now had a chance to look at my figur...
by tjh290633
October 21st, 2019, 12:05 pm
Forum: Investment Trusts and Unit Trusts
Topic: ISHARES PLC FTSE UK DIVIDEND (IUKD)
Replies: 33
Views: 1257

Re: ISHARES PLC FTSE UK DIVIDEND (IUKD)

It's a collective fund, so this is the logical place to discuss it, in my view. All passives are collectives, so by your logic TJH the Passive Investing board should be closed and everything passive discussed here instead! The board descriptions are: Passive Investing -- Index tracking funds and ET...
by tjh290633
October 20th, 2019, 9:49 pm
Forum: Beerpig's Snug
Topic: Those that have the least to give, give most
Replies: 23
Views: 1485

Re: Those that have the least to give, give most

It may be pertinent to point out that charitable donations in the UK only raise the boundary between the basic rate of tax and the higher rate if Gift Aid is claimed. In the USA I believe that the donation takes that amount of the donor's personal income out of the scope of income tax, always provid...
by tjh290633
October 20th, 2019, 9:33 pm
Forum: High Yield Shares & Strategies - general
Topic: Selling Unilever?
Replies: 65
Views: 2787

Re: Selling Unilever?

, as I personally consider the 'High Yield' description to be portfolio based , and not necessarily a barrier to entry for each and every constituent , I quite agree IAAG. In point of fact, I believe that the boundary between the FT350HY Index and the FTSE350LY Index is the average yield on the FTS...
by tjh290633
October 20th, 2019, 3:41 pm
Forum: Retirement Investing (inc FIRE)
Topic: Stupid question about estimating future ROI
Replies: 11
Views: 659

Re: Stupid question about estimating future ROI

The increase in capital value of my HYP since January 1st has been over 13%, with all dividends reinvested. Some years it is negative. Over the last 32 years it has given an XIIR of between 10 and 11%. I can't give the exact figure, as I am not at home.

TJH
by tjh290633
October 20th, 2019, 3:26 pm
Forum: Investment Trusts and Unit Trusts
Topic: ISHARES PLC FTSE UK DIVIDEND (IUKD)
Replies: 33
Views: 1257

Re: ISHARES PLC FTSE UK DIVIDEND (IUKD)

It's a collective fund, so this is the logical place to discuss it, in my view.

TJH
by tjh290633
October 19th, 2019, 6:00 pm
Forum: Investment Trusts and Unit Trusts
Topic: ISHARES PLC FTSE UK DIVIDEND (IUKD)
Replies: 33
Views: 1257

Re: ISHARES PLC FTSE UK DIVIDEND (IUKD)

I too owned IUKD for a bit over ten years, from 29-Aug-08, bought at 820p, to 8-Apr-19, sold at 792p, a capital loss of 3.5%. IIRC it yielded some 6-7% when I bought it. Over my period of holding I got an XIRR total return of 4.7%pa, dividends withdrawn, which I considered disappointing. However, t...
by tjh290633
October 18th, 2019, 8:31 pm
Forum: Investment Trusts and Unit Trusts
Topic: Tinkerings in anticipation of Brexit
Replies: 7
Views: 1099

Re: Tinkerings in anticipation of Brexit

The main influence seems to have been the rise in Sterling. Maybe it's just as well to leave well alone.

TJH
by tjh290633
October 18th, 2019, 8:23 pm
Forum: Beerpig's Snug
Topic: Coffee
Replies: 29
Views: 728

Re: Coffee

There used to be a shop in Gloucester, Westgate Street near the cross, which roasted coffee. One of the sights and smells before you got to the clock with the quarter boys.

Needless to say, in those days we had Camp Coffee. Is it still available?

TJH
by tjh290633
October 18th, 2019, 9:01 am
Forum: Beerpig's Snug
Topic: 50 years old
Replies: 83
Views: 2360

Re: 50 years old

It seems many years since a pair of daps was all you needed to go running. It never seemed to do us any harm. There again, football boots were a different style from those used today, as were the leather balls.

TJH
by tjh290633
October 18th, 2019, 8:56 am
Forum: Beerpig's Snug
Topic: Those that have the least to give, give most
Replies: 23
Views: 1485

Re: Those that have the least to give, give most

I act as sidesman at our church at 8am Communion on a couple of Sundays each month. Most people are on planned giving, but one or two put cash in the bag. The other week the bag was empty. I remarked to the Rector that "this week the bag was full of standing orders". It is often better to ...
by tjh290633
October 17th, 2019, 10:48 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: Unilever 3rd quarter highlights
Replies: 13
Views: 966

Re: Unilever 3rd quarter highlights

Dividend information: The Boards have determined to pay a quarterly interim dividend for Q3 2019 at the following rates which are equivalent in value between the two companies at the rate of exchange applied under the terms of the Equalisation Agreement: Per Unilever N.V. ordinary share: EUR 0.4104 ...
by tjh290633
October 17th, 2019, 10:15 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: A quiet board.
Replies: 45
Views: 1664

Re: A quiet board.

Just to add to that, the last two shares sold for low yield were Indivior in June 2018 and RSA in March 2014. There was a wholesale disposal in 2009-10, following the 2008 hiatus. Stagecoach went in March 2008 at 258p, with a yield of 1.65%. The yield did creep back up towards 3.5%, as the price fel...
by tjh290633
October 17th, 2019, 9:35 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: A quiet board.
Replies: 45
Views: 1664

Re: A quiet board.

This is an optional action. I am still holding on to Compass, for example, whose yield has fallen below 2%. On the other hand, I dumped BG. when its yield fell to about 1%. I do not consider Segro to be near the disposal level as yet. TJH Could you tell us more about the "optional" decisi...
by tjh290633
October 16th, 2019, 9:29 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: A quiet board.
Replies: 45
Views: 1664

Re: A quiet board.

For the shares I set a max holding size of 2x median (4.9% at the moment). Shares close to that value are disallowed from top ups and shares well above that value I would think about trimming. I've top sliced SGRO twice once last year at 644 and once this year at 728 and it still keeps going up. Da...
by tjh290633
October 16th, 2019, 9:05 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Jumping off the Stagecoach (SGC)
Replies: 12
Views: 718

Re: Jumping off the Stagecoach (SGC)

I bought SGC in 1999 as a bit of a punt, alongside some more HYP-ish shares. It had a few traumas, Coach USA being one of them, but I sold out a few years later when the price had risen well. My records are not to hand at the moment, but my recollection is that they cut the dividend about 2009 and t...
by tjh290633
October 16th, 2019, 6:06 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: A quiet board.
Replies: 45
Views: 1664

Re: A quiet board.

I do wonder whether regular top-slicing will mean missing out on some potentially good gains. I realise it has worked well for tjh over the years, but what we don't know is how his returns would have been impacted by not top-slicing. StepOne Difficult to say, but as the money released always goes i...
by tjh290633
October 16th, 2019, 9:20 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: A quiet board.
Replies: 45
Views: 1664

Re: A quiet board.

I can't see any obvious trend (change in share price plotted on the abscissa, yield plotted on the ordinate axis). There is a weak trend. Higher yielders have greater declines. The R² = 0.0667 . I've replicated your chart on my own spreadsheet. With last night's values, R² is now 0.0595, but the po...
by tjh290633
October 15th, 2019, 5:31 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: A quiet board.
Replies: 45
Views: 1664

Re: A quiet board.

monabri wrote:TJH's data with change in share price and the associated yield.


Thanks, you beat me to it. My revised table is above.

TJH
by tjh290633
October 15th, 2019, 5:18 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: A quiet board.
Replies: 45
Views: 1664

Re: A quiet board.

After what can only be described as one of those days, with the pound up $1.273, I thought it might be worth showing my table of the chnages in SP since 1st January: Epic Change Yield SGRO 39.72% 2.38% TSCO 28.46% 2.76% WMH 26.77% 4.07% TW. 22.39% 11.18% SSE 21.50% 7.42% BA. 20.99% 4.07% MARS 20.15%...

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