Search found 777 matches

by TUK020
November 16th, 2019, 7:19 pm
Forum: Macro and Global Topics
Topic: Labour promise free broadband- Openreach to be nationalised
Replies: 35
Views: 688

Re: Labour promise free broadband- Openreach to be nationalised

Spet0789 wrote:What a rubbish choice we have at this election. Between a liar and a clown...


Can you help me, please
Which is which?
by TUK020
November 15th, 2019, 9:19 pm
Forum: Macro and Global Topics
Topic: Labour promise free broadband- Openreach to be nationalised
Replies: 35
Views: 688

Re: Labour promise free broadband- Openreach to be nationalised

A summary of 5G vs broadband. Its on a 5g site, but reasonably neutral. https://5g.co.uk/guides/5g-vs-fibre-broadband/ I had a scan and thought it was pretty much missing the point. FWA is probably good for the last 1-500m depending on topology, tree cover etc. But how do you think the FWA base sta...
by TUK020
November 15th, 2019, 9:06 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: HYP1 is 19 - thread discussing income and capital diversification
Replies: 45
Views: 1264

Re: HYP1 is 19 - thread discussing income and capital diversification

Gengulphus wrote:So I'm not criticising HYP1 for failing to be a completely 'hands off' HYP, since I don't think running such a HYP is a realistic aim


So what would you propose for a Dorisian portfolio? Basket of ITs?
by TUK020
November 15th, 2019, 8:55 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: National Grid Interims
Replies: 16
Views: 764

Re: National Grid Interims

Glass half full......
By the time Corbyn is done nationalising, gilts will be on a higher yield than NG
by TUK020
November 15th, 2019, 8:49 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Next purchase, Advice please
Replies: 18
Views: 540

Re: Next purchase, Advice please

Are there any big misses that you would consider a HYP must have? Comparing with my portfolio, I note: Asset management (Schroders non voting SDRC is my favourite), but you are overweight in financials and very heavy in Banks, so maybe not. Fixed line telecoms; BT is interesting, in that the nation...
by TUK020
November 14th, 2019, 5:58 pm
Forum: Retirement Investing (inc FIRE)
Topic: Early payment of Final Salary Pension-Pros and Cons
Replies: 16
Views: 541

Re: Early payment of Final Salary Pension-Pros and Cons

thanks guys, that was a detail that had eluded me!
Apologies to the OP for the misdirection
by TUK020
November 14th, 2019, 5:36 pm
Forum: Retirement Investing (inc FIRE)
Topic: Early payment of Final Salary Pension-Pros and Cons
Replies: 16
Views: 541

Re: Early payment of Final Salary Pension-Pros and Cons

Not sure that I have understood what you are planning to do correctly, but there is one major thing that you do need to be aware of: The moment you start taking taxable pension benefits from any pension, you are limited to tax relief on pension contributions up to £4k p.a. Complicated subject so I s...
by TUK020
November 13th, 2019, 7:06 am
Forum: Retirement Investing (inc FIRE)
Topic: Thoughts on a "bond ladder" in defence against downturns?
Replies: 17
Views: 970

Re: Thoughts on a "bond ladder" in defence against downturns?

AleisterCrowley wrote:IS15/ iShares £ Corp Bond 0-5yr ?

looks interesting-ish but;
about 48% banking and insurance
>50% credit rating BBB, so only just investment grade?


Yup, and balance it with a little ISXF - longer duration, but excluding financials
by TUK020
November 12th, 2019, 8:41 pm
Forum: Retirement Investing (inc FIRE)
Topic: Thoughts on a "bond ladder" in defence against downturns?
Replies: 17
Views: 970

Re: Thoughts on a "bond ladder" in defence against downturns?

I stumbled across this article on retirement investing the other day, which seems applicable to my own situation (I'm approx. 5 years from retirement): https://www.marketwatch.com/story/a-recession-is-coming-how-to-protect-your-retirement-2019-09-25 It's written from a US-perspective of course, but...
by TUK020
November 12th, 2019, 8:26 pm
Forum: Biscuit Bar
Topic: Moderation
Replies: 5
Views: 360

Re: Moderation

I have been coming to a different conclusion. I have observed how some very community minded folks responded to the closure of the other place by setting up a new site, getting volunteers to staff the moderation and so on. This group have consulted widely on board composition, proposed rules of each...
by TUK020
November 11th, 2019, 7:36 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: Imperial Brands Prelims
Replies: 42
Views: 1955

Re: Imperial Brands Prelims

Various sources are reporting that scientists have identified the cause of the recent vaping illnesses & deaths as vitamin E acetate which apparently, is perfectly safe for humans - unless it is drawn into the lungs. Sounds distinctly unpleasant, but whatever floats your boat I guess. At least ...
by TUK020
November 9th, 2019, 8:12 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: BT Group Interims
Replies: 10
Views: 1053

Re: BT Group Interims

Any views on the sustainability of their dividend?
by TUK020
November 8th, 2019, 9:33 pm
Forum: How Do I Invest
Topic: Ready Made Income Portoflio
Replies: 6
Views: 697

Re: Ready Made Income Portoflio

My current ISA/SIPP investments are mainly in accumulation growth tracker funds and blended funds (eg lifestrategy). I have been thinking in future I could retire early or drop hours and possibly go to a income portfolio. I'd like a monthly income ideally. I stumbled across Fidelity Multi Asset Inc...
by TUK020
November 8th, 2019, 9:14 pm
Forum: Investment Strategies
Topic: Election impact on investment strategy
Replies: 89
Views: 3225

Re: Election impact on investment strategy

So in conclusion, I guess if we get JC and high interest rates + inflation, then for me, when this does actually happen....if at all, then I guess I should consider steering our savings in the direction of government bonds? Matt Yes, but which Government's (country's) bonds? Counter-intuitively, wh...
by TUK020
November 6th, 2019, 7:24 pm
Forum: Retirement Investing (inc FIRE)
Topic: Lifetime Allowance for Pensions
Replies: 26
Views: 1231

Re: Lifetime Allowance for Pensions

Going off topic here, but I think it is worthwhile pointing out what a great deal pensions are for higher rate taxpayers who only pay basic rate tax in retirement. In those circumstances higher rate taxpayers pay an effective tax rate of 15% by routing money through pensions, but gain an additional...
by TUK020
November 6th, 2019, 7:10 pm
Forum: Investment Strategies
Topic: Election impact on investment strategy
Replies: 89
Views: 3225

Re: Election impact on investment strategy

widowandorphan3 wrote:Pension relief would also be slashed for 40% earners - again, for the same reason; it isn't necessarily a vote loser.


Another easy target would be to restrict the 25% tax free lump sum on pensions to a limit of say £20k.
Nice post WaO
by TUK020
November 4th, 2019, 9:46 pm
Forum: Biscuit Bar
Topic: I hope that I did not a kill HYP-P discussion (MARS)
Replies: 41
Views: 1547

Re: I hope that I did not a kill HYP-P discussion (MARS)

I didn't know that, and in any case all the names are in blue - there are no colours. Arb, But I insist on my name being in pink! Seriously, I appreciate the job you guys (mods) do on a volunteer basis. I don't expect to always agree with your decisions, but if I feel strongly enough, I can always ...
by TUK020
November 4th, 2019, 7:19 am
Forum: Retirement Investing (inc FIRE)
Topic: Lifetime Allowance for Pensions
Replies: 26
Views: 1231

Re: Lifetime Allowance for Pensions

One way of thinking about pensions is that it is 'tax rate arbirtrage' If you are a higher rate tax payer while earning, then contributions will get tax relief at higher rate. From the figures quoted you will be paying basic rate tax on receiving pension payments (after taking 25% tax free lump sum)...
by TUK020
October 30th, 2019, 7:30 pm
Forum: How Do I Invest
Topic: Retirement - from those that have
Replies: 24
Views: 1789

Re: Retirement - from those that have

You can over invest.Amongst my own circle of friends the prevailing problem is not that of insufficient income and capital but one of leaving their offspring with ridiculous ammounts of IHT to pay. Rest assured that if you do invest in a serious way some serious mistakes will be made. What!!! You d...
by TUK020
October 30th, 2019, 7:14 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: GSK Q3 Update
Replies: 36
Views: 2009

Re: GSK Q3 Update

I also note that debt is up again and that dividends of £3.0 billion are not yet covered by the free cashflow of £2.5 billion. Therefore the company needs to significantly increase free cash before it can start increasing the dividend and some might say it would be sensible to reduce the dividend s...

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