Search found 228 matches

by nmdhqbc
March 12th, 2019, 6:16 pm
Forum: Beerpig's Snug
Topic: 1000!
Replies: 2
Views: 254

Re: 1000!

Every now and again I like to re-watch this...
https://www.youtube.com/watch?v=tIyfLTFrN_U
by nmdhqbc
March 8th, 2019, 7:05 am
Forum: How Do I Invest
Topic: Article in Telegraph on ISA Millionaires
Replies: 46
Views: 1648

Re: Article in Telegraph on ISA Millionaires

IanSmithISA wrote:I appreciate that this is the performance of a share not a trust or fund but in 2002 buying banks was seen as something that was safe over the long term.


So you already understand that this example ignores number 4 (too risky). So your example is not following the advise you profess to hate.
by nmdhqbc
March 7th, 2019, 8:13 am
Forum: Investment Trusts and Unit Trusts
Topic: City of London IT dividend error?
Replies: 12
Views: 783

Re: City of London IT dividend error?

Seems crazy that they get info about their own trusts from a 3rd party.
by nmdhqbc
March 1st, 2019, 9:13 am
Forum: How Do I Invest
Topic: Sell let property & invest to replace income?
Replies: 10
Views: 581

Re: Sell let property & invest to replace income?

(5% on 62K is close to 260GBP per month). Income Investment trusts would make sense here. I'd suggest a hand full of them for diversity but will use the usual go to of CTY... https://www.hl.co.uk/shares/shares-search-results/c/city-of-london-investment-trust-ord-25p At the current price of 404p per...
by nmdhqbc
February 27th, 2019, 2:14 pm
Forum: How Do I Invest
Topic: Help with iWeb Share Research - only Accumulation IT's available?
Replies: 8
Views: 398

Re: Help with iWeb Share Research - only Accumulation IT's available?

buying some units of Investment Trusts I don't think they call them units for Investment Trusts. They are shares and you can only buy whole number of shares. If it's an income type trust they will always pay out the dividends. Don't do different types of the shares. I'd like to take the dividend pa...
by nmdhqbc
February 19th, 2019, 10:24 pm
Forum: Sports Bar (all sports)
Topic: Chelsea V ManU
Replies: 11
Views: 263

Re: Chelsea V ManU

Of course he can't do that more than twice because his rep as a top coach will be completely shredded, You'd think wouldn't you but they keep on employing him. Maybe those 2 decent years he gives before he throws in the towel are worth the pay off and the bad season. Gives the next guy a good place...
by nmdhqbc
February 19th, 2019, 1:59 pm
Forum: Sports Bar (all sports)
Topic: Chelsea V ManU
Replies: 11
Views: 263

Re: Chelsea V ManU

Mourinho losing the dressing room? I think it's pretty clear he wanted to lose the dressing room. He did not get what he wanted in the summer transfer market and decided he wanted to leave. Being greedy instead of resigning he tanked the team until Utd had to sack him and pay him off millions. He di...
by nmdhqbc
February 16th, 2019, 9:21 pm
Forum: Investment Strategies
Topic: Portfolio Unitization - Results Interpretation
Replies: 31
Views: 1132

Re: Portfolio Unitization - Results Interpretation

b) how many units are disposed of when some money is taken out : that money comes from the cash reserve within the pot which in turn is built up from dividends received and/or the sale of shares. If you want to distribute cash from sale proceeds in your inc units then I don't see any point in calcu...
by nmdhqbc
February 14th, 2019, 8:07 am
Forum: Investment Strategies
Topic: Portfolio Unitization - Results Interpretation
Replies: 31
Views: 1132

Re: Portfolio Unitization - Results Interpretation

So unless someone can explain some really compelling reason why I need it then no XIRR for me I think….. Your method of working out your yearly returns is just not accurate. If you can't be bothered to go to the effort of getting accurate numbers then that's fair enough. I could not be bothered for...
by nmdhqbc
February 13th, 2019, 10:48 am
Forum: Investment Strategies
Topic: Portfolio Unitization - Results Interpretation
Replies: 31
Views: 1132

Re: Portfolio Unitization - Results Interpretation

Having done it though I'm just not immediately sure what any of it really means and how I can use it !!. Well this is a good start to the unitization being useful. Before you could not separate accurately what growth of your portfolio was from additional cash vs investment returns... My personal re...
by nmdhqbc
February 13th, 2019, 9:43 am
Forum: Investment Trusts and Unit Trusts
Topic: IT's and Issue of Equity
Replies: 6
Views: 482

Re: IT's and Issue of Equity

I've often pondered the exact consequences of these issues of equity too. I know for sure that they do not adversely effect current holders. In fact they issue the equity normally when the share price is higher than the NAV. So they get cash for the new shares at the share price and can buy more of ...
by nmdhqbc
February 6th, 2019, 9:55 pm
Forum: Polite Discussions
Topic: Early closing for parliament today - as there is nothing to debate
Replies: 4
Views: 268

Re: Early closing for parliament today - as there is nothing to debate

Well they've been doing an absolutely cracking job so great to see them get some well deserved time off.
by nmdhqbc
February 4th, 2019, 7:00 pm
Forum: Brokers and Share Dealing
Topic: Platform Options - II or IWeb?
Replies: 33
Views: 1466

Re: Platform Options - II or IWeb?

EssDeeAitch wrote:SIPP


That's where the confusion lay. I for one had not considered that it may have been a SIPP you were asking about.
by nmdhqbc
February 4th, 2019, 5:06 pm
Forum: Passive Investing
Topic: Low-cost tracker - how best to buy?
Replies: 18
Views: 1198

Re: Low-cost tracker - how best to buy?

Just look on the fund providers' web site for an application form for individuals. You need to tell us which fund providers offer these services for free. I know a couple as already posted that do charge. Finding those that don't is a complete shot in the dark. There aren't that many providers http...
by nmdhqbc
February 4th, 2019, 1:52 pm
Forum: Passive Investing
Topic: Low-cost tracker - how best to buy?
Replies: 18
Views: 1198

Re: Low-cost tracker - how best to buy?

OhNoNotimAgain wrote:Just look on the fund providers' web site for an application form for individuals.


You need to tell us which fund providers offer these services for free. I know a couple as already posted that do charge. Finding those that don't is a complete shot in the dark.
by nmdhqbc
February 4th, 2019, 7:52 am
Forum: Passive Investing
Topic: Low-cost tracker - how best to buy?
Replies: 18
Views: 1198

Re: Low-cost tracker - how best to buy?

OhNoNotimAgain wrote:You can buy an OEIC with no commission, no platform fee and, in some cases, no stamp duty.


Where can I find this? I'd like to look into it fully.
by nmdhqbc
January 22nd, 2019, 10:14 am
Forum: Investment Trusts and Unit Trusts
Topic: Fundsmith - Terry Smith commentary.
Replies: 41
Views: 6045

Re: Fundsmith - Terry Smith commentary.

bluedonkey wrote:I like James Acaster but I don't get the connection.


I thought I gave the page number. Page 6. "his or her", "he or she"
That's the bit in the stand up. No big deal. Just made me think back and chuckle a touch.
by nmdhqbc
January 21st, 2019, 6:55 pm
Forum: Investment Trusts and Unit Trusts
Topic: Fundsmith - Terry Smith commentary.
Replies: 41
Views: 6045

Re: Fundsmith - Terry Smith commentary.

I'm on page 6 and it has made me think of this a few times...
https://www.youtube.com/watch?v=i_xVAqJ-NY0
by nmdhqbc
January 7th, 2019, 8:32 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: Unitisation question
Replies: 53
Views: 2008

Re: Unitisation question

I think the trouble is that this is a difficult topic to explain / discuss in words. There's a chance everyone here is doing it right (or maybe not) but it gets lost in translation from numbers to words. Maybe examples with numbers may be less prone to misunderstandings.
by nmdhqbc
December 22nd, 2018, 12:48 pm
Forum: Investment Trusts and Unit Trusts
Topic: The Investment Trusts Handbook 2019
Replies: 12
Views: 2135

Re: The Investment Trusts Handbook 2019

I'm about 10% in. One of the chapters talks about Investment Trusts being more complex and that being one reason they'll never be as mass market as open ended funds. Am I the only one who actually finds them much simpler to get my head around? I find open ended funds much more opaque hard to fathom....

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