Search found 140 matches

by TahiPanasDua
August 13th, 2019, 5:38 pm
Forum: High Yield Shares & Strategies - general
Topic: When to draw down the capital
Replies: 24
Views: 1054

Re: When to draw down the capital

I should have added above that we do a similar thing with our ISAs. We don't touch the income preferring to reinvest it for obvious reasons. But we have a long time to wait until we run down the taxable account as we couldn't buy ISAs, or their predecessors, for decades due to being expats. At 40k a...
by TahiPanasDua
August 13th, 2019, 5:07 pm
Forum: High Yield Shares & Strategies - general
Topic: When to draw down the capital
Replies: 24
Views: 1054

Re: When to draw down the capital

Alaric wrote:
TahiPanasDua wrote:Julian obviously put in a big effort to explain his new monitoring approach. A splendid effort.
.


The basic premise is :-
.


Ok thanks. I get it.

TP2.
by TahiPanasDua
August 13th, 2019, 4:36 pm
Forum: High Yield Shares & Strategies - general
Topic: When to draw down the capital
Replies: 24
Views: 1054

Re: When to draw down the capital

Julian obviously put in a big effort to explain his new monitoring approach. A splendid effort. Unfortunately I couldn't follow it in the end. It's no fault of Julian, I''m a tad thick (honestly), especially in the numerical and spreadsheet departments. We live off dividends and preserve the capital...
by TahiPanasDua
August 10th, 2019, 5:43 am
Forum: Retirement Investing (inc FIRE)
Topic: Returning expats seeking advice.
Replies: 18
Views: 1314

Re: Returning expats seeking advice.

There are people living on a lot less than 30k pa. My mother used to get by on 13k per year (state pension and mobility allowance). Absolutely, and despite having quoted personal annual expenditure of around 45K, I wonder just how helpful to anyone that figure really is. The amount of retirement or...
by TahiPanasDua
August 9th, 2019, 4:24 pm
Forum: Retirement Investing (inc FIRE)
Topic: Returning expats seeking advice.
Replies: 18
Views: 1314

Re: Returning expats seeking advice.

Two years ago, my wife and I returned to our native, and very economic, Clackmannanshire after 42 years as expats. Last year we spent almost 50,000, a significant discount on our expenditure when retired in Hong Kong. This figure is all inclusive; tax payments, holidays, property maintenance, the lo...
by TahiPanasDua
August 8th, 2019, 6:55 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Trimmed back Compass CPG
Replies: 13
Views: 952

Re: Trimmed back Compass CPG

I rarely trim anything and I'm too lazy to have the regular discipline of target maximums like TJH. I do review the size of my holdings from time to time and employ a little understood and undervalued method..."just eyeball it". So far it has worked OK but who knows? However, it was intere...
by TahiPanasDua
July 26th, 2019, 2:04 pm
Forum: High Yield Shares & Strategies - general
Topic: Selection of underperforming shares
Replies: 135
Views: 5853

Re: Selection of underperforming shares

Port Vale 7- Accrington Stanley 6.5
by TahiPanasDua
July 20th, 2019, 5:04 pm
Forum: High Yield Shares & Strategies - general
Topic: Citywire article: Weak pound gives false idea of UK dividends
Replies: 8
Views: 1426

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

[quote="Julian"][quote="OhNoNotimAgain" I suppose I can say this here since I'm not on the HYP practical board but I am very much on a transition away from directly-held individual HYP shares towards a mixture of internationally diverse ITs and passive trackers with a strong glob...
by TahiPanasDua
July 20th, 2019, 12:42 pm
Forum: Investment Trusts and Unit Trusts
Topic: Schroder mid cap (SCP)
Replies: 5
Views: 1180

Re: Schroder mid cap (SCP)

Sorry no knowledge of this IT. However, I would beware of making investment decisions based on estimates of the timing of a B----t solution. This, thank heavens, is not the place to discuss politics but you have raised the prospect of an eventual solution and a probable rebound in share prices and t...
by TahiPanasDua
July 9th, 2019, 1:21 pm
Forum: Airport Lounge
Topic: Penang
Replies: 7
Views: 1674

Re: Penang

I’m planning to spend 6 days in Penang in January. I’ve never been to Penang before so any suggestions/experiences would be most welcome. I’ll be with a friend and flying from Bangkok. I enjoy history and culture more than beaches. Food is a great pleasure in foreign parts! I’ve not yet booked a ho...
by TahiPanasDua
July 6th, 2019, 5:07 pm
Forum: Investment Strategies
Topic: Will inherited wealth help or hurt those you love?
Replies: 33
Views: 2867

Re: Will inherited wealth help or hurt those you love?

If he is eligible for a Vulnerable Persons Trust that would be an excellent solution because it has none of the tax disadvantages of other trusts and his money can be protected. Taxwise it is as if you gave the money to him but it is protected by being held in trust. For the future it should be muc...
by TahiPanasDua
July 6th, 2019, 11:46 am
Forum: Investment Strategies
Topic: Will inherited wealth help or hurt those you love?
Replies: 33
Views: 2867

Re: Will inherited wealth help or hurt those you love?

We have 2 sons now in their early 40s. The elder is very normal, has a decent profession and a happy family life. The younger, however, has a lifelong tragic history of irresponsibility, addiction, unemployment and profligacy. He is currently receiving psychiatric help after a suicide attempt. A nea...
by TahiPanasDua
June 30th, 2019, 8:00 am
Forum: Investment Trusts and Unit Trusts
Topic: Reflections on Woodford
Replies: 18
Views: 3014

Re: Reflections on Woodford

Experience in the workplace can prepare us to both detect and (shamefully?) practise the art of hype. Hopefully, this carries through to help assess potential investments. I worked on a major infrastructure project under a man who was by far the best talker in my entire career. He was rightly admire...
by TahiPanasDua
June 29th, 2019, 6:53 pm
Forum: International & Expat Investors
Topic: Leaving UK to avoid a Corbyn government!?
Replies: 59
Views: 4287

Re: Leaving UK to avoid a Corbyn government!?

The post 2010 governments have turned ISAs into a massive tax dodge for the wealthy. Really? Is 20k per annum really all that much? I mean the allowance was stuck at 7 grand-ish for long enough, so a decent lift was over due. ....and combine it with the attack on the 'wealthy's' (is a GP for exampl...
by TahiPanasDua
June 22nd, 2019, 2:27 pm
Forum: High Yield Shares & Strategies - general
Topic: HYP Buying For End of Oct
Replies: 22
Views: 4852

Re: HYP Buying For End of Oct

Forget October, it's all unknowable. There's a dearth of facts and even our leaders seem not to, or pretend not to, understand, the processes and consequences of Brexit. My short to medium plan is to buy JPGI when either the current massive bull run ends, Brexit demonstratively results in the horro...
by TahiPanasDua
June 22nd, 2019, 12:32 pm
Forum: High Yield Shares & Strategies - general
Topic: HYP Buying For End of Oct
Replies: 22
Views: 4852

Re: HYP Buying For End of Oct

Forget October, it's all unknowable. There's a dearth of facts and even our leaders seem not to, or pretend not to, understand, the processes and consequences of Brexit. My short to medium plan is to buy JPGI when either the current massive bull run ends, Brexit demonstratively results in the horror...
by TahiPanasDua
June 21st, 2019, 6:48 pm
Forum: Investment Trusts and Unit Trusts
Topic: What have I done?
Replies: 15
Views: 3013

Re: What have I done?

kiloran wrote:
TahiPanasDua wrote:Thanks everybody!
You can depend on TMF to come up with the goods!
TP2.

TMF??!!
Cough, splutter! Wash your mouth out with soap and water! ;)
TLF. Or LF.

--kiloran

Woops! I'm such a slow learner. Must get used to this new-fangled Lemon stuff!
by TahiPanasDua
June 21st, 2019, 3:40 pm
Forum: Investment Trusts and Unit Trusts
Topic: What have I done?
Replies: 15
Views: 3013

Re: What have I done?

Thanks everybody!
You can depend on TMF to come up with the goods!

I'll look up the reports. I probably couldn't tell anyway if anything is actually junk

TP2.
by TahiPanasDua
June 21st, 2019, 12:35 pm
Forum: Investment Trusts and Unit Trusts
Topic: What have I done?
Replies: 15
Views: 3013

What have I done?

It seems impossible to know what the entire portfolio holdings of, say, MYI and HFEL are. I can only find the usual top 10 holdings for each. Can anyone enlighten me on this? I emailed both IT's but got only acknowledgements. You could argue that I don't know what I bought. Given that neither are op...
by TahiPanasDua
June 7th, 2019, 12:02 pm
Forum: Investment Trusts and Unit Trusts
Topic: New IT selection
Replies: 23
Views: 6668

Re: New IT selection

Hi all I would pick a mix of Global G&I (growth and income) trusts such as MYI and JPGI, two UK G&I's such as MUT and FGT. Then perhaps SOI for Asia Pacific, MCT and/or NAIT for North America. Nothing wrong with JPGI as a choice but you have to be aware of the differences between this IT an...

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