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by Alaric
April 25th, 2019, 12:19 am
Forum: Airport Lounge
Topic: Which Greek Island in June ....
Replies: 10
Views: 356

Re: Which Greek Island in June ....

Clariman wrote:Any thoughts on Corfu which seems easy to get yo for us?


Corfu has been a mainstream tourist destination for getting on for fifty years. It also has or had more than its fair share of "Club 18-30" resorts.
by Alaric
April 24th, 2019, 12:00 pm
Forum: High Yield Shares & Strategies - general
Topic: Income IT’s v HYP – 5 years on
Replies: 19
Views: 1086

Re: Income IT’s v HYP – 5 years on

Would you say that the income-IT approach would clearly suit Aunt Doris more than the HYP approach, given your experiences above? An advantage of ITs as opposed using a stock buying approach or income ETFs can be that the calculation and judgement of income sustainability are done as part of the ma...
by Alaric
April 24th, 2019, 11:56 am
Forum: High Yield Shares & Strategies - general
Topic: Income IT’s v HYP – 5 years on
Replies: 19
Views: 1086

Re: Income IT’s v HYP – 5 years on

However if I look, over the 5 years, at the accumulated dividends as a proportion of capital invested, it is 25% for the HYP and 20% for the IT's, so I think it is true that a HYP will generally yield more. On a total return basis as demonstrated by the unit values, isn't it the case that the highe...
by Alaric
April 23rd, 2019, 12:55 pm
Forum: Passive Investing
Topic: Excess Reportable Income Vanguard for 2018-2019
Replies: 20
Views: 960

Re: Excess Reportable Income Vanguard for 2018-2019

Excess reportable income would certainly be an addition to cost no matter how long ago it arose since acquisition. It is income deemed to have been distributed to you and then reinvested by you back into your holding. That's the same as when you hold accumulation units of an OEIC. The difference is...
by Alaric
April 21st, 2019, 10:59 pm
Forum: Polite Discussions
Topic: Three out of five conservative members say they will vote for the brexit party
Replies: 12
Views: 459

Re: Three out of five conservative members say they will vote for the brexit party

Maroochydore wrote:My money is on the UK not taking part in the EU elections to avoid the humiliation.


Unless the House of Commons endorses May's deal, don't we have to do what we are told, accept continued membership to 30th October, if not beyond and hold Euro elections?
by Alaric
April 20th, 2019, 8:35 pm
Forum: Gilts and Bonds
Topic: Why are corporate bond (and Pref Shares) yields falling?
Replies: 16
Views: 611

Re: Why are corporate bond (and Pref Shares) yields falling?

GoSeigen wrote: The second part though, about the lack of perpetual securities is not true to the best of my knowledge.


There aren't any undated British Government securities even if Banks are continuing to raise capital on undated terms.
by Alaric
April 20th, 2019, 12:35 am
Forum: Gilts and Bonds
Topic: Why are corporate bond (and Pref Shares) yields falling?
Replies: 16
Views: 611

Re: Why are corporate bond (and Pref Shares) yields falling?

Well opinion is one thing, but the relationship between bonds and their yield is mathematical fact. The changing relationship between bond prices (especially long ones) and interest rates at any time is conjecture. Keynes developed economic theory on the basis that there were two types of non-equit...
by Alaric
April 19th, 2019, 4:25 pm
Forum: Investment Trusts and Unit Trusts
Topic: Fundsmith - Terry Smith commentary.
Replies: 71
Views: 8624

Re: Fundsmith - Terry Smith commentary.

xeny wrote:Aren't the R class a legacy of reseller trail commission prior to RDR ?


Very possibly. If you go to the Fundsmith site at https://www.fundsmith.co.uk/, it offers you the choice of investing into the T class Acc and T class Inc. Minimum amounts are £ 1000 as a lump sum or £ 100 per month.
by Alaric
April 19th, 2019, 4:16 pm
Forum: High Yield Shares & Strategies - general
Topic: High yield vs other investing strategies
Replies: 87
Views: 4247

Re: High yield vs other investing strategies

but it seems to me that you have a particular problem with HYP “as defined on these boards”. The particular problem I have is with the dogmatic assertions and the quasi-religious fervour with which they are defended. "Capital doesn't matter" is a dogmatic assertion and buying always in eq...
by Alaric
April 19th, 2019, 9:58 am
Forum: High Yield Shares & Strategies - general
Topic: High yield vs other investing strategies
Replies: 87
Views: 4247

Re: High yield vs other investing strategies

I was trying to suggest none of these three arguments is useful for deciding if HYP is a reasonable approach. There's higher yield buy and hold investing and there's "HYP" investing. HYP as defined on these boards is an arbitrary set of rules within the general concept of higher yield inv...
by Alaric
April 18th, 2019, 9:46 pm
Forum: Venture Capital Trusts (VCT's)
Topic: Totally New To VCTs
Replies: 3
Views: 338

Re: Totally New To VCTs

Usually they will be listed on the financial sites like Hargreaves Lansdown or Wealthclub or Bestinvest etc. Which other "mainstream" platforms offer VCTs? An initial step would be to open an account with a platform that offers VCTs. Actually even reading the material on the Hargreaves si...
by Alaric
April 18th, 2019, 8:28 am
Forum: High Yield Shares & Strategies - general
Topic: Guidance on yield please
Replies: 12
Views: 592

Re: Guidance on yield please

So, if you think the dividend is sustainable, then Vodafone Group (VOD ) would be an HYP candidate. What's the time period for "sustainable"? What's the target price at the end of the "sustainable" period. How do you tell whether an apparent high yield is no more than the market...
by Alaric
April 18th, 2019, 12:56 am
Forum: High Yield Shares & Strategies - general
Topic: Guidance on yield please
Replies: 12
Views: 592

Re: Guidance on yield please

Why do you see that as a weakness in the Strategy? Implicit profit warnings are ignored. Vodafone is a test case at the moment. Is the current yield the bargain of the century or a signal that not all is right? Those seeking income with exposure to Vodafone through corporate bonds are content with ...
by Alaric
April 17th, 2019, 11:02 pm
Forum: High Yield Shares & Strategies - general
Topic: Guidance on yield please
Replies: 12
Views: 592

Re: Guidance on yield please

but what about those yields which actually aren't going to be paid (because of profit reductions) near the top of the yield table? Should they be discounted or included please? You've pinpointed what can be a major weakness in the strategy of searching for stocks with high dividend yields, namely t...
by Alaric
April 16th, 2019, 10:52 pm
Forum: Banking Sector
Topic: TSB to refund victims of fraud`
Replies: 7
Views: 346

Re: TSB to refund victims of fraud`

How about making any bank that allowed an unidentifiable fraudster to open a receiving account being made to repay the fraud? That is a good point. For all the annoyance and aggravation created by Money Laundering Procedures, they don't seem effective in preventing the banking system containing val...
by Alaric
April 16th, 2019, 6:46 pm
Forum: Legal Issues (Practical)
Topic: 22year old daughter scammed of £9,750
Replies: 41
Views: 2914

Re: 22year old daughter scammed of £9,750

Off the top of my head, I think I would first turn off my router (wifi), and then set about turning the laptop off; if it wouldn't proceed, perhaps by using Ctrl+ Alt + Del. and task manager. As long as the battery is removable a laptop can be brought under control by disconnecting the lead to the ...
by Alaric
April 16th, 2019, 1:28 pm
Forum: Investment Trusts and Unit Trusts
Topic: JPMorgan I Ts on the move
Replies: 6
Views: 653

Re: JPMorgan I Ts on the move

feder1 wrote:Notification today that I must allow transfer of my Claverhouse to The Share Centre or make other arrangements.


Were you holding the IT through a JP Morgan specialist service? As it's just an IT, you could hold it anywhere.
by Alaric
April 16th, 2019, 11:25 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: Galliford Try ( GFRD) profit warning
Replies: 48
Views: 1952

Re: Galliford Try ( GFRD) profit warning

.....The review includes an assessment of operational progress and contract positions throughout the Construction business. The Board anticipates that this review will result in reduced profitability in the current year..." I suppose following Carillion and Interserve, they feel the need to ch...
by Alaric
April 16th, 2019, 9:04 am
Forum: Investment Trusts and Unit Trusts
Topic: John Laing Environmental Asset Group JLEN
Replies: 24
Views: 811

Re: John Laing Environmental Asset Group JLEN

TheMotorcycleBoy wrote:The other thing I'd like to discover more about is the relationship between JLEN and the plants themselves.


Is it likely that they act as financiers? Someone cones up with an idea for a development and JLEN agree to finance it in exchange for an equity stake.
by Alaric
April 15th, 2019, 11:29 pm
Forum: Investment Trusts and Unit Trusts
Topic: John Laing Environmental Asset Group JLEN
Replies: 24
Views: 811

Re: John Laing Environmental Asset Group JLEN

Not really, it's sort of the other way round. JLEN is indeed an investment company, but while all investment trusts are investment companies not all investment companies are investment trusts. ITs have to be UK based and obey specific rules. Presumably JLEN follows enough of the rules to not give U...

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