Search found 255 matches

by nmdhqbc
September 14th, 2019, 6:29 pm
Forum: Polite Discussions
Topic: Boris Johnson PM - how it's going?
Replies: 1056
Views: 21091

Re: Boris Johnson PM - how it's going?

boris is doing an absolutely cracking job
by nmdhqbc
August 28th, 2019, 12:19 pm
Forum: How Do I Invest
Topic: pound cost averaging and CGT
Replies: 2
Views: 720

Re: pound cost averaging and CGT

by nmdhqbc
August 20th, 2019, 8:31 am
Forum: How Do I Invest
Topic: Returning expat advice please-buying ETFs and platform choice.
Replies: 6
Views: 765

Re: Returning expat advice please-buying ETFs and platform choice.

Worth checking the small print. Those charging as percentage of value like Hargreaves will usually cap the annual charge at a fairly low amount to make them competitive for larger asset values. . For non-ISA/SIPP accounts I don't think HL have a % charge. But their fee for trades is still higher th...
by nmdhqbc
August 7th, 2019, 10:58 am
Forum: Share ideas
Topic: Burford Capital Limited (BUR)
Replies: 128
Views: 4884

Re: Burford Capital Limited (BUR)

by nmdhqbc
July 29th, 2019, 3:57 pm
Forum: Passive Investing
Topic: Is there a ETF that works similar to a savings account?
Replies: 14
Views: 1851

Re: Is there a ETF that works similar to a savings account?

You didn't explicitly say it but I get the impression you want the capital value to remain constant (no risk). I would have though that by definition ETFs are traded (eTf) so markets would determine price making it impossible for the capital value to be guaranteed not to fluctuate. I know very littl...
by nmdhqbc
July 26th, 2019, 8:24 am
Forum: Retirement Investing (inc FIRE)
Topic: Improving in-retirement portfolio
Replies: 24
Views: 3263

Re: Improving in-retirement portfolio

I see that about 50% of your investment trusts are managed by Janus Henderson. I find myself in a similar situation. Can anyone else advise us as to whether this is a risk? Do they end up in the same or similar investments because they use the same research perhaps?
by nmdhqbc
July 9th, 2019, 7:45 am
Forum: Beerpig's Snug
Topic: Making the bed
Replies: 18
Views: 1649

Re: Making the bed

I feel like making a bed stops the area you just slept on from breathing. Better to leave it.
by nmdhqbc
July 8th, 2019, 4:21 pm
Forum: Investment Trusts and Unit Trusts
Topic: Merchants Trust slashes debt repayment bill
Replies: 20
Views: 3530

Re: Merchants Trust slashes debt repayment bill

I agree that’s the picture in the rear view mirror. However Increases over the last 5 years have gone from <1% to 4.84%, so below to above inflation. With the reduction in cost of debt I expect this rate of increase to be at least maintained. I pondered the same thing when I looked at the recent bi...
by nmdhqbc
July 5th, 2019, 8:15 am
Forum: Investment Trusts and Unit Trusts
Topic: HL Wealth 50
Replies: 19
Views: 3658

Re: HL Wealth 50

Well this will give Terry Smith something extra to moan about if Fundsmith does not replace the global one in the 50. He sure isn't going to give them a discount.
by nmdhqbc
May 18th, 2019, 7:42 am
Forum: Portfolio Management & Review
Topic: Can I compare my HYP to CTY annual growth?
Replies: 7
Views: 800

Re: Can I compare my HYP to CTY annual growth?

As I understand it you are comparing your total return with the share price of CTY. The latter does not include reinvested dividends, whereas yours does. It's from the AIC which does give total return. A quick guesstimate of the 5 year NAV without dividends on HL and it seems the 5 year share perfo...
by nmdhqbc
May 10th, 2019, 8:18 am
Forum: How Do I Invest
Topic: Dazzled by Jargon
Replies: 33
Views: 1363

Re: Dazzled by Jargon

The "accumulation (ACC)" bit means that the fund automatically reinvests dividends within itself, so you don't have to faff with that. I believe £50 a month was original mentioned. So if getting to £100 a month is not fully comfortable maybe the income (INC) units would be better. The inc...
by nmdhqbc
May 7th, 2019, 9:15 am
Forum: How Do I Invest
Topic: New to the game
Replies: 17
Views: 873

Re: New to the game

Somone investing relatively small sums monthly gets caught either way. There are Brokers who don't have custody charges on OIECs, but charge a dealing commission that can be a high percentage on small amounts. Yeah, so you can get caught to the tune of 0.45% with HL or to 0.15% with Vanguard to beg...
by nmdhqbc
May 7th, 2019, 7:25 am
Forum: How Do I Invest
Topic: New to the game
Replies: 17
Views: 873

Re: New to the game

nmdhqbc wrote:should not cost anything to move from Vanguard when the time comes.


Sorry, that's not quite right. iWeb charge £25 to open the account.
by nmdhqbc
May 7th, 2019, 6:57 am
Forum: How Do I Invest
Topic: New to the game
Replies: 17
Views: 873

Re: New to the game

Hargreaves and Lansdown account Global index tracker is great but Hargreaves Lansdown charge 0.45% for holding open ended funds. That gets your total costs for holding Vanguard FTSE Global All Cap Index to 0.69% which is very high for a tracker. There's broker comparison tables / articles on the we...
by nmdhqbc
May 4th, 2019, 12:12 pm
Forum: How Do I Invest
Topic: unitisation
Replies: 7
Views: 546

Re: unitisation

How I think your second example should work below in brackets. I've assumed no interest on cash for simplicity sake... 1. Initial investment 10,000 (20000: 10000 of which is cash) Unit Value (UV) = 100 Total Units = 10,000/100 = 100 (20000/100=200) 2. fund grows to 20,000 (10000 grows to 20000, 1000...
by nmdhqbc
May 4th, 2019, 11:43 am
Forum: How Do I Invest
Topic: unitisation
Replies: 7
Views: 546

Re: unitisation

I tried but failed to understand what your OP did. It did not make sense to me. But my suggestion of adding cash to the portfolio when it's available rather than when it's invested will I think help untangle the inconsistency you wrote about earlier. When I said "fund" earlier it was also ...
by nmdhqbc
May 4th, 2019, 10:16 am
Forum: How Do I Invest
Topic: First steps in investing
Replies: 39
Views: 1604

Re: First steps in investing

I’d also like to set up another account with HL and invest in Lindsell Train Global - less regular payments (extra income/ overtimes etc.) They offer discounted fund charge of 0.51% and no dealing fees on funds. They're sneaky ones those H and L. They save you 0.2% and then charge you 0.45% for hol...
by nmdhqbc
May 4th, 2019, 9:55 am
Forum: How Do I Invest
Topic: unitisation
Replies: 7
Views: 546

Re: unitisation

The problem is that with this method the fund value is now 15,000 but total investments are 20,000, that is a loss of 5,000 BUT unit value is still 100. This is kind of the point of unitisation. It strips out the effects of market timing of when you buy the "fund". If you decide to add to...
by nmdhqbc
May 1st, 2019, 5:13 pm
Forum: How Do I Invest
Topic: First steps in investing
Replies: 39
Views: 1604

Re: First steps in investing

If you go down the passive route, I think it’s worth considering Vanguard as a broker, at least for the first few years. Fee’s for the first year on the amount you’re talking about should be less than £7. Something like £36 for halifax I personally don't see much advantage to buying every single mo...
by nmdhqbc
April 29th, 2019, 7:49 am
Forum: Investment Trusts and Unit Trusts
Topic: SMT Rebalance - Options?
Replies: 16
Views: 888

Re: SMT Rebalance - Options?

I wonder whether if you strip out the wonderful returns from FAANG from SMT whether the rest is anything special? Well this article seems to say their unquoted stocks outperformed. Not sure about quoted non-FAANG. https://www.investorschronicle.co.uk/funds-news/2018/11/08/scottish-mortgage-makes-41...

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