Search found 437 matches

by OhNoNotimAgain
August 17th, 2019, 12:20 pm
Forum: Investment Trusts and Unit Trusts
Topic: ASEI - Aberdeen Standard Equity Income
Replies: 21
Views: 4842

Re: ASEI - Aberdeen Standard Equity Income

The aim of the Trust is:

To provide shareholders with an above average income from their equity investment
while also providing real growth in capital and income.


Judging by the 67% increase in the dividend since 2010 it's dividend growth has drastically lagged its passive competitors.
by OhNoNotimAgain
August 17th, 2019, 9:36 am
Forum: Investment Strategies
Topic: ETF's v Unit Trusts(or OEIC's) v Investment Trusts
Replies: 22
Views: 1405

Re: ETF's v Unit Trusts(or OEIC's) v Investment Trusts

The clue is in the name. An ETF is just an open ended fund you can trade on a secondary market. Unlike an OEIC where you invest directly in or out of the fund, usually once a day, an ETF trader has to find a counter-party. For investors with time frames in decades the ability to trade at any time of...
by OhNoNotimAgain
August 12th, 2019, 8:25 am
Forum: Retirement Investing (inc FIRE)
Topic: Considering early retirement
Replies: 65
Views: 3496

Re: Considering early retirement

Look for advisers who charge by the hour, not percentage of assets.
by OhNoNotimAgain
July 27th, 2019, 9:43 am
Forum: Investment Trusts and Unit Trusts
Topic: Personal Assets v Capital Gearing v RICA?
Replies: 115
Views: 10101

Re: Personal Assets v Capital Gearing v RICA?

Well if he didn't foresee the crash, why did he have a 6 figure sum in a fund that would substantially underperform the market in normal times? In which "normal times" has PNL substantially underperformed which market? http://mediacharting.digitallook.com/cgi-bin/digital/chart_image.cgi?c...
by OhNoNotimAgain
July 24th, 2019, 1:21 pm
Forum: Investment Trusts and Unit Trusts
Topic: Personal Assets v Capital Gearing v RICA?
Replies: 115
Views: 10101

Re: Personal Assets v Capital Gearing v RICA?

So you foresaw the crash, and put your money in a fund that would not lose as much as the market? Surely leaving it in cash would have been a much better strategy? Lootman is not saying that he foresaw the crash at all. Only that relatively he lost less money, and redeployed it to take advantage of...
by OhNoNotimAgain
July 24th, 2019, 10:04 am
Forum: High Yield Shares & Strategies - general
Topic: UK dividends smashed records in Q2!....
Replies: 15
Views: 1585

Re: UK dividends smashed records in Q2!....

They are trying to track the performance of the FTSE100 so I believe they are. The prospectus states "...intend to distribute all or substantially all of the net income (interest and dividends, less expenses) of the Fund..." VUKE's OCF is 0.09% so will have only a small impact on dividend...
by OhNoNotimAgain
July 24th, 2019, 10:00 am
Forum: Investment Trusts and Unit Trusts
Topic: Personal Assets v Capital Gearing v RICA?
Replies: 115
Views: 10101

Re: Personal Assets v Capital Gearing v RICA?

I'll cop some flack for this no doubt but honestly, I don't understand how it's considered "difficult" or "complicated" to throw money into PNL, CGT, RICA and simply see it as not putting all your eggs in one basket and trusting the managers reputation to hopefully do a reasonab...
by OhNoNotimAgain
July 23rd, 2019, 2:27 pm
Forum: Investment Trusts and Unit Trusts
Topic: Vanguard
Replies: 47
Views: 2642

Re: Vanguard

... Note the weasel words : In tracking the performance of the Index, the Fund attempts to replicate the Index by investing all, or substantially all, of its assets in the stocks that make up the Index, holding each stock in approximately the same proportion as its weighting in the Index If it was ...
by OhNoNotimAgain
July 22nd, 2019, 6:51 pm
Forum: Investment Trusts and Unit Trusts
Topic: Vanguard
Replies: 47
Views: 2642

Re: Vanguard

Open Ended - Managed by a person. Not necessarily. "Tracker" OEICs that follow an index are almost certainly mechanised (although I suppose they could be done by hand, but that'd apply to ETFs too). Vanguard is a big player in tracker OEICs, indeed they have more of those than they have E...
by OhNoNotimAgain
July 22nd, 2019, 6:40 pm
Forum: Investment Trusts and Unit Trusts
Topic: Vanguard
Replies: 47
Views: 2642

Re: Vanguard

Once the proceeds of a house sale come, we'll have about 1/3rd of our equity investments in an actively managed Fisher Investments global fund (which we've held already for a couple of years, about 1/3rd in UK shares directly held, and about 1/3rd where I'm now looking for this global index fund wi...
by OhNoNotimAgain
July 22nd, 2019, 1:45 pm
Forum: High Yield Shares & Strategies - general
Topic: UK dividends smashed records in Q2!....
Replies: 15
Views: 1585

Re: UK dividends smashed records in Q2!....

No idea why the dividends are not flushing through. UK Companies can be somewhat lumpy in their distributions, given that most are half yearly. If they have a 31st December year end, they may distribute in the first quarter. Understand the lumpiness but I was responding to the original post which s...
by OhNoNotimAgain
July 20th, 2019, 10:31 am
Forum: High Yield Shares & Strategies - general
Topic: Citywire article: Weak pound gives false idea of UK dividends
Replies: 8
Views: 1420

Re: Citywire article: Weak pound gives false idea of UK dividends

Dividend growth is less important than dividends being maintained.

Just keeping payouts steady gives annual returns of 4 to 5% and if that is reinvested it generates its own, natural, dividend increases.
by OhNoNotimAgain
July 15th, 2019, 9:42 am
Forum: Investment Strategies
Topic: Growthy Funds required for Pot > LTA
Replies: 12
Views: 2087

Re: Growthy Funds required for Pot > LTA

Just be aware that 82% of the US market returns since 1960 have come from dividends according to this: https://www.hartfordfunds.com/dam/en/docs/pub/whitepapers/WP106.pdf Except that the very same article goes on to state: "Looking at average stock performance over a longer time frame provides...
by OhNoNotimAgain
July 12th, 2019, 9:05 am
Forum: Investment Strategies
Topic: Growthy Funds required for Pot > LTA
Replies: 12
Views: 2087

Re: Growthy Funds required for Pot > LTA

Just be aware that 82% of the US market returns since 1960 have come from dividends according to this:

https://www.hartfordfunds.com/dam/en/do ... /WP106.pdf
by OhNoNotimAgain
July 11th, 2019, 9:35 am
Forum: High Yield Shares & Strategies - general
Topic: Highest yielding shares underperformed FTSE 100 over five years
Replies: 121
Views: 3426

Highest yielding shares underperformed FTSE 100 over five years

It shows that if investors had picked the 10 highest-yielding shares on the FTSE 100 index five years ago, these shares would have underperformed the benchmark. Brewin Dolphin, the wealth manager which did the analysis, also carried out the same research over 10 and 15 years, with similar results, ...
by OhNoNotimAgain
July 6th, 2019, 5:36 pm
Forum: Investment Trusts and Unit Trusts
Topic: HL Wealth 50
Replies: 19
Views: 2901

Re: HL Wealth 50

Fantastic monthly report from Nick Train, which provides clarification of recent events. https://www.lindselltrain.com/~/media/Files/L/Lindsell-Train-V2/reports/ltglobal-equity-fund/2019/LTGEF_MR_2019-06.pdf As usual Nick Train writes a very clear statement of his views. very good. Dod And the annu...
by OhNoNotimAgain
July 1st, 2019, 10:00 am
Forum: Investment Trusts and Unit Trusts
Topic: Reflections on Woodford
Replies: 18
Views: 3003

Re: Reflections on Woodford

The point is that the active management industry wants to sell alpha yet, ultimately, all investors will ever get, at best, is beta.
by OhNoNotimAgain
June 10th, 2019, 12:55 pm
Forum: Passive Investing
Topic: What happens to ETF if Vanguard/Blackrock Go Bust?
Replies: 9
Views: 3127

Re: What happens to ETF if Vanguard/Blackrock Go Bust?

The risk really lies with the custodian banks that actually hold the securities. All fund managers do is decide what to buy and then keep the score and ensure they know who owns what, but they do not sit on assets other than when they are receive or disburse cash. In some cases, the fund manager wil...
by OhNoNotimAgain
June 8th, 2019, 5:02 pm
Forum: Investment Trusts and Unit Trusts
Topic: Woodford Equity Income Fund Suspends Trading
Replies: 158
Views: 12068

Re: Woodford Equity Income Fund Suspends Trading

I love the quote from Gerry Grimstone: "Never invest in a fund named after the manager" So should I regret my eight years investing in Fundsmith? Only up about 300%. :cry: If his fund price halved in the next week his investors couldn't complain too much. It would probably take something ...
by OhNoNotimAgain
June 8th, 2019, 9:55 am
Forum: Investment Trusts and Unit Trusts
Topic: Woodford Equity Income Fund Suspends Trading
Replies: 158
Views: 12068

Re: Woodford Equity Income Fund Suspends Trading

I love the quote from Gerry Grimstone:

"Never invest in a fund named after the manager"

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