Search found 1286 matches

by mc2fool
October 23rd, 2019, 11:53 am
Forum: Investment Trusts and Unit Trusts
Topic: Starting an income growth pf
Replies: 11
Views: 502

Re: Starting an income growth pf

gbjbaanb wrote:Ah, "growth income" means "everything" to me :)

The OP didn't say "growth income" but rather "income growth", i.e. a portfolio that generates an income that will grow, or, as the OP also put it, a "progressive income".
by mc2fool
October 21st, 2019, 5:22 pm
Forum: Investment Trusts and Unit Trusts
Topic: ISHARES PLC FTSE UK DIVIDEND (IUKD)
Replies: 33
Views: 1279

Re: ISHARES PLC FTSE UK DIVIDEND (IUKD)

IUKD is an index tracking ETF (even if it is a custom index), and is not an OEIC or closed-ended, so it seems pretty clear to me where discussions of it should go. :D Yes, but it is managed in a way that makes it active, in my view. Or rather the index is managed. No, not in the slightest, TJH. It ...
by mc2fool
October 21st, 2019, 11:20 am
Forum: Investment Trusts and Unit Trusts
Topic: ISHARES PLC FTSE UK DIVIDEND (IUKD)
Replies: 33
Views: 1279

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 mc2fool
October 19th, 2019, 7:38 pm
Forum: Investment Trusts and Unit Trusts
Topic: ISHARES PLC FTSE UK DIVIDEND (IUKD)
Replies: 33
Views: 1279

Re: ISHARES PLC FTSE UK DIVIDEND (IUKD)

IUKD tracks the FTSE UK Dividend+ Index, and you can find how that is constructed and calculated at https://research.ftserussell.com/products/downloads/FTSE_UK_Dividend_Plus_Index.pdf . Note it works on forecast dividends, not historic ones, and the index is yield weighted. I note they're up to &qu...
by mc2fool
October 19th, 2019, 12:37 pm
Forum: Investment Trusts and Unit Trusts
Topic: ISHARES PLC FTSE UK DIVIDEND (IUKD)
Replies: 33
Views: 1279

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 Over my period of holding I got an XIRR total return of 4.7%pa, dividends withdrawn, which I considered disappointing.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, th...
by mc2fool
October 16th, 2019, 8:03 pm
Forum: Pedants' Place
Topic: Train Carriages
Replies: 20
Views: 1117

Re: Train Carriages

"This train has five carriages" would be more concise. Have you guys been complaining to station operators?!? 'Cos..... Actually, the phrase that I believe has been in use for as long as I remember has always been " formed of N coaches ", not carriages. See the first photo below...
by mc2fool
October 15th, 2019, 3:51 pm
Forum: Brokers and Share Dealing
Topic: Alliance Trust Savings taken over by Interactive Investor
Replies: 260
Views: 10139

Re: Alliance Trust Savings taken over by Interactive Investor

I also understood from what I read that II would pay out dividends as received. Can any of the existing II account holders confirm the situation? Is it really the case that dividend payout has to be done manually? I have just done that in the previous post. Did you not read it before responding? We...
by mc2fool
October 14th, 2019, 8:18 pm
Forum: Brokers and Share Dealing
Topic: Alliance Trust Savings taken over by Interactive Investor
Replies: 260
Views: 10139

Re: Alliance Trust Savings taken over by Interactive Investor

Dod, I wonder why they have gone backwards with respect to account security? firstdirect introduced two factor authentication to their online banking in September, I thought in response to a new regulation. Do II require two factor authentication for online actions? Seems again, odd to only have th...
by mc2fool
October 14th, 2019, 7:14 pm
Forum: Brokers and Share Dealing
Topic: Alliance Trust Savings taken over by Interactive Investor
Replies: 260
Views: 10139

Re: Alliance Trust Savings taken over by Interactive Investor

for some reason thought that the old ATS ability to pay out all dividends received on the 12th of each month was also going to be available with ii You would have to login every month and use the "pay to nominated bank account" feature. But their blurb for ex-ATS customers on Dividend Inc...
by mc2fool
October 14th, 2019, 11:25 am
Forum: Brokers and Share Dealing
Topic: Alliance Trust Savings taken over by Interactive Investor
Replies: 260
Views: 10139

Re: Alliance Trust Savings taken over by Interactive Investor

Well, everything seems to have transferred over ok for me. However, I note that their info for folks that already have ii accounts has changed since I last looked. " I've already got an account with interactive investor. Can I link everything up? You will be able to link any sole named accounts...
by mc2fool
October 14th, 2019, 8:53 am
Forum: Pensions - Practical Problems
Topic: State Pension Forecast is COPE deducted from your forecast?
Replies: 11
Views: 763

Re: State Pension Forecast is COPE deducted from your forecast?

COPE and GMP can be effectively the same thing, but one is stated as a weekly amount and the other as annualised. That depends on who you talk to. If you query what HMRC has as your GMP they'll quote it to you as a weekly amount. (It's DWP that called it COD, contracted out deduction, in pension st...
by mc2fool
October 13th, 2019, 2:14 pm
Forum: Pensions - Practical Problems
Topic: State Pension Forecast is COPE deducted from your forecast?
Replies: 11
Views: 763

Re: State Pension Forecast is COPE deducted from your forecast?

tlf67482 wrote:So if it says "Forecast if you contribute another X years before 5 April 2046 = £168 / week" as long as you contribute X more years you can totally ignore the COPE figure you will have a full state pension of £168 / week?

Yes.
by mc2fool
October 12th, 2019, 9:13 pm
Forum: Investment Trusts and Unit Trusts
Topic: JPM UK Equity Core Class E Quarterly Accumulation Fund
Replies: 9
Views: 831

Re: JPM UK Equity Core Class E Quarterly Accumulation Fund

I have nothing to add on the fund itself over what has already been said, but on the matter of where to transfer to, unless she has a good reason for having a third ISA broker, it makes little sense to take the default and transfer it to HL, given that she already has ISAs with ii and Selftrade. HL ...
by mc2fool
October 12th, 2019, 2:23 pm
Forum: Beerpig's Snug
Topic: We surely are not alone?
Replies: 49
Views: 1505

Re: We surely are not alone?

What I said was that it's conceited for man to think that ' without the likes of us the universe is pointless '.... And yet: " Some interpretations of quantum mechanics require the admission of an infinite number of possible quantum realities. A participatory anthropic principle (PAP) was prop...
by mc2fool
October 11th, 2019, 11:47 pm
Forum: Beerpig's Snug
Topic: We surely are not alone?
Replies: 49
Views: 1505

Re: We surely are not alone?

But we are the most complex objects in the universe and odds are that we are totally unique and alone. Whether that makes us precious within eternity is another argument. UE - What a preposterous statement! Any cursory study into the numbers will indicate there are millions of planetary systems in ...
by mc2fool
October 11th, 2019, 8:32 pm
Forum: Beerpig's Snug
Topic: We surely are not alone?
Replies: 49
Views: 1505

Re: We surely are not alone?

I don't know how significant we are nor indeed how significant the universe is. But we are the most complex objects in the universe and odds are that we are totally unique and alone. Whether that makes us precious within eternity is another argument. We tiny fragile conscious entities look at the v...
by mc2fool
October 11th, 2019, 7:10 pm
Forum: Passive Investing
Topic: Vanguard investments - £85k compensation limit
Replies: 8
Views: 644

Re: Vanguard investments - £85k compensation limit

That's good news. I never really understood why the FSCS limit was lower for investment firms. That's only since the global financial crisis. Before that it was the other way round, with £31,700 for deposits and £48,000 for investments. https://web.archive.org/web/20070218223315/http://www.fscs.org...
by mc2fool
October 11th, 2019, 5:36 pm
Forum: REITs & Property Companies
Topic: The Brexit Effect?
Replies: 11
Views: 728

Re: The Brexit Effect?

A notable jump in the SP of many REITs today - just as positive news on a Brexit deal is emerging - or am I imagining things? ~~ BLND up 7.98% ~~ BYG up 6.2% ~~ DLN up 7/00 % ~~ INTU up 24 % !!!! ~~ HMSO up more than 10% ~~ NRR up 8.7% for example but AEWU & RGL only up about 2.3% No specific m...
by mc2fool
October 11th, 2019, 5:29 pm
Forum: Passive Investing
Topic: Vanguard investments - £85k compensation limit
Replies: 8
Views: 644

Re: Vanguard investments - £85k compensation limit

hiriskpaul wrote:If your money is in OEICs you have FSCS protection up to £50k per provider...

It went up to £85K last April. https://www.fscs.org.uk/what-we-cover/investments/
by mc2fool
October 11th, 2019, 3:59 pm
Forum: Passive Investing
Topic: Vanguard investments - £85k compensation limit
Replies: 8
Views: 644

Re: Vanguard investments - £85k compensation limit

Vanguard as with any fund manager or Broker could go bust, however the assets in the funds are ring fenced from being seized by a liquidator. a) Assets in the funds are supposed to be ring fenced. They may not be, due to fraud and/or a variety of incompetence/cockup reasons; there have been some ex...

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