Search found 116 matches

by syrio
March 30th, 2019, 4:16 pm
Forum: High Yield Shares & Strategies - general
Topic: High yield vs other investing strategies
Replies: 87
Views: 5607

Re: High yield vs other investing strategies

I'd suggest reading up on withdrawal rate studies.

Portfolio charts has a lot of useful articles and tools to compare withdrawal rates on different portfolios.

https://portfoliocharts.com

In general more diversified portfolios tend to support higher withdrawal rates.
by syrio
March 7th, 2019, 3:22 pm
Forum: Retirement Investing (inc FIRE)
Topic: Personal investment companies
Replies: 17
Views: 3421

Re: Personal investment companies

Well it depends on what your income is during your time up to retirement, and to what extent your investment income makes you pay higher rate tax. If you had 800k invested in VWRL, you would have about 16k in dividends. I can't see it being worthwhile. If you had £10M, receiving about 200k in divide...
by syrio
March 6th, 2019, 3:29 pm
Forum: Retirement Investing (inc FIRE)
Topic: Personal investment companies
Replies: 17
Views: 3421

Re: Personal investment companies

Has anyone experience with a PIC? Or more broadly holding investments in a limited company Does this make sense? Yes, I have investments in a limited company, and no, it probably doesn't make much sense for you. You will pay corporation tax on capital gains realised in the holding company and then ...
by syrio
February 20th, 2019, 5:32 pm
Forum: Computers, TVs & Phones
Topic: Recommendation for pdf viewer/reader
Replies: 19
Views: 776

Re: Recommendation for pdf viewer/reader

Surely the whole point is to not use the web browser, so as to limit the maliciously crafted pdf's access to your system? Slarti No, I don't think so. A PDF viewer will have the same access to your system as a web browser. Generally I would prefer to have as little extra software installed on my sy...
by syrio
February 19th, 2019, 2:56 pm
Forum: Computers, TVs & Phones
Topic: Recommendation for pdf viewer/reader
Replies: 19
Views: 776

Re: Recommendation for pdf viewer/reader

Just use your web browser. No need for a separate pdf viewer these days.
by syrio
February 2nd, 2019, 4:07 pm
Forum: Brokers and Share Dealing
Topic: LEI & Discretionary trust & share dealing
Replies: 21
Views: 2565

Re: LEI & Discretionary trust & share dealing

I'd be interested to hear if anyone gets away with not renewing their LEI.

I changed my LEI provider from the LSE to Bloomberg this year who were considerably cheaper. The process was straightforward. I would have tried the cheapest LEI provider (Takasbank), but I couldn't get their website to load.
by syrio
February 2nd, 2019, 12:25 pm
Forum: Investment Strategies
Topic: The next big financial 'services' scandal
Replies: 8
Views: 1700

Re: The next big financial 'services' scandal

Biggest load of self serving bullshit I have read today.
by syrio
February 2nd, 2019, 12:21 pm
Forum: Computers, TVs & Phones
Topic: Avast Antivirus
Replies: 9
Views: 703

Re: Avast Antivirus

Just use Windows Defender which is already built into Windows.
by syrio
January 25th, 2019, 10:54 am
Forum: Computers, TVs & Phones
Topic: Java ???and do I need it
Replies: 1
Views: 253

Re: Java ???and do I need it

Uninstall it. It's very unlikely that you need it. It is also a security risk, particularly if you have any Java browser plugins. If you do find anything in the future requires Java I suggest you avoid using it. https://www.theguardian.com/technology/askjack/2013/feb/08/java-remove-ask-jack-technology
by syrio
January 3rd, 2019, 6:12 pm
Forum: Passive Investing
Topic: VEVE (Vanguard FTSE Developed World)
Replies: 7
Views: 903

Re: VEVE (Vanguard FTSE Developed World)

If you are thinking that the ETF has to rebalance because Apple is now the top holding by weight, then stop thinking that. Otherwise "from time to time" sounds like a reasonable description to me. It isn't like they are going to have specific dates set, the ETF needs to track its index at ...
by syrio
December 6th, 2018, 5:13 pm
Forum: Bank Accounts Savings & ISAs
Topic: Banks providing montly statements - why?
Replies: 11
Views: 938

Re: Banks providing montly statements - why?

You could set up an inbox rule that automatically dumps them into an Aldermore folder, which you can look at should you feel the need.. There's the risk you may miss an important message that isn't a statement I guess [edit I think you can automatically move messages from a particular sender with c...
by syrio
December 5th, 2018, 8:32 pm
Forum: Bank Accounts Savings & ISAs
Topic: Banks providing montly statements - why?
Replies: 11
Views: 938

Re: Banks providing montly statements - why?

Can they not provide monthly statements electronically? Do you not get monthly statements from your day to day bank or is Aldermore, (which I have never heard of) your main bank? Surely it is normal to receive monthly statements? Dod The statements are electronic already, but I don't want 24 statem...
by syrio
December 4th, 2018, 11:04 pm
Forum: Bank Accounts Savings & ISAs
Topic: Banks providing montly statements - why?
Replies: 11
Views: 938

Banks providing montly statements - why?

I've received a notification from Aldermore bank that even though I have elected to receive annual statements, they will now be providing me with monthly statements due to "new legislation which aims to give customers greater transparency across their bank accounts". I'd much rather receiv...
by syrio
November 5th, 2018, 5:52 pm
Forum: How Do I Invest
Topic: Business investing in equities
Replies: 11
Views: 1032

Re: Business investing in equities

If you have a personal service company, to what extent can it be used as a tax shelter, once the allowances on SIPPs and ISAs have already been utilised? Not much. Depends on your circumstances, but can't really be compared to SIPPs and ISAs. Unlikely to be any benefit to putting money into it as y...
by syrio
November 3rd, 2018, 3:56 pm
Forum: How Do I Invest
Topic: Business investing in equities
Replies: 11
Views: 1032

Re: Business investing in equities

I believe the dividend income is not taxable in the company but haven't double checked nor established the position if foreign equities are involved (probably mostly covered by DTR). None of my dividend income is taxed - includes both UK equities and Vanguard equity ETFs domiciled in Ireland. No do...
by syrio
November 3rd, 2018, 1:45 pm
Forum: How Do I Invest
Topic: Business investing in equities
Replies: 11
Views: 1032

Re: Business investing in equities

I got the LEI from the LSE, but now I am renewing it with Bloomberg. I looked at Takasbank, but I had problems with their website. Avoid the LSE and get it from Bloomberg or Takasbank if you can. HL haven't asked anything about LEI renewal yet and I don't know whether they will. I hadn't really seen...
by syrio
November 2nd, 2018, 5:37 pm
Forum: How Do I Invest
Topic: Business investing in equities
Replies: 11
Views: 1032

Re: Business investing in equities

I've been investing excess cash in my company for several years now. You will need an LEI, avoid using the LSE for this as their fees are too high. There are no special accounting rules. Capital gains are taxed at the corporation tax rate. There isn't a different tax rate for close investment compan...
by syrio
November 2nd, 2018, 5:24 pm
Forum: Brokers and Share Dealing
Topic: LEI & Discretionary trust & share dealing
Replies: 21
Views: 2565

Re: LEI & Discretionary trust & share dealing

The LSE fees for LEIs are extortionate. Try another LEI provider.

I got my LEI from the LSE, but I'll be looking into transferring it to another provider this year.

The cheapest provider seems to be 33 euros to register and 25 euros to renew.

https://lei.codes/
by syrio
May 10th, 2018, 3:31 pm
Forum: Brokers and Share Dealing
Topic: Interactive Investor - Tax Certificate doesn't cover whole year
Replies: 4
Views: 603

Re: Interactive Investor - Tax Certificate doesn't cover whole year

I got a reply from Interactive Investor - apparently they will issue another document for the old Interactive Investor customers covering the period up to the 10th of December. It's annoying that they can't combine the two documents into one, that they don't issue both documents at the same time and...

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