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by Alaric
February 16th, 2019, 10:33 pm
Forum: Beerpig's Snug
Topic: Thoroughly depressing
Replies: 42
Views: 1096

Re: Thoroughly depressing

The Sun has a far bigger influence than anything else. The theory is that Carbon Dioxide and similar gases have the effect of absorbing the Sun's radiation and not radiating a balancing amount back into space when out of direct sunlight. They are only trace gases though, cloud cover, wind direction...
by Alaric
February 16th, 2019, 10:22 pm
Forum: Investment Strategies
Topic: Portfolio Unitization - Results Interpretation
Replies: 31
Views: 832

Re: Portfolio Unitization - Results Interpretation

I am effectively my own fund manager here and only have units which are neither accumulation nor distribution units and want to know: You could perhaps regard yourself and your assets as being the shareholder of an investment trust. If as the "shareholder" you put more money in, then you ...
by Alaric
February 16th, 2019, 12:11 pm
Forum: Taxes
Topic: Employee Benefit Trusts
Replies: 0
Views: 49

Employee Benefit Trusts

I recall these from the struggles of the Glasgow Rangers football club. Players were being "paid" using these. https://www.employeebenefits.co.uk/issues/july-online-2017/supreme-court-dismisses-rangers-football-club-appeal-employee-benefits-trust-tax-case/ It appears to have been more wide...
by Alaric
February 16th, 2019, 10:17 am
Forum: How Do I Invest
Topic: Mixing ITs and OEICs - a good idea?
Replies: 6
Views: 180

Re: Mixing ITs and OEICs - a good idea?

I've still been (erroneously) thinking it's a straight swap between, say, an OEIC that tracks Emerging Markets & an IT that invests in Emerging Markets. The need for a reliable daily valuation is likely to constrain an OIEC to only invest in companies quoted on a (reputable) stock exchange. IT'...
by Alaric
February 16th, 2019, 8:58 am
Forum: How Do I Invest
Topic: Mixing ITs and OEICs - a good idea?
Replies: 6
Views: 180

Re: Mixing ITs and OEICs - a good idea?

I'm interested in whether mixing Investment Trusts & OEICs in a portfolio is a good idea If you want diversity of investments, you have to accept that the investment horizons of OEICs are constrained by the need to calculate and publish a daily price based on the underlying asset values. Also t...
by Alaric
February 15th, 2019, 11:52 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: SLA share purchases
Replies: 57
Views: 1724

Re: SLA share purchases

"It has been widely reported that the property fund has been disposing or trying to dispose of assets after underperforming recently." Was that the same Property fund that suspended the rights of unitholders to surrender? https://realassets.ipe.com/news/investment-vehicles/standard-life-f...
by Alaric
February 15th, 2019, 11:47 pm
Forum: Polite Discussions
Topic: Porsche passes on no deal tariff risk
Replies: 5
Views: 172

Re: Porsche passes on no deal tariff risk

Spet0789 wrote:They’re no more than a consumption tax on British people.


What compels the British government to impose them?
by Alaric
February 15th, 2019, 5:30 pm
Forum: Passive Investing
Topic: Swap Based (synthetic) vs Full Replication
Replies: 4
Views: 133

Re: Swap Based (synthetic) vs Full Replication

I have avoided swap based ETFs originally as I didnt have time to understand them and I didnt like the sound of them "Synthetic" can mean that instead of investing directly in the shares underlying an index, they invest in derivatives (akin to spread betting) which have the same effect. C...
by Alaric
February 15th, 2019, 2:59 pm
Forum: Brokers and Share Dealing
Topic: FSCS Increase Limits (?)
Replies: 7
Views: 280

Re: FSCS Increase Limits (?)

paradigm wrote: Ring-fencing of clients funds should normally apply but I suppose in cases of fraud the FSCS limit may have to apply.


Not just fraud, liquidators as well.

https://www.fca.org.uk/news/news-storie ... es-limited
by Alaric
February 14th, 2019, 2:04 pm
Forum: Polite Discussions
Topic: Brexit Solution!
Replies: 11
Views: 275

Re: Brexit Solution!

All things I would personally support but understand that this is very much a minority view both here and in the country as a whole. The Government would have been better informed as to what the country wanted had there been some form of four way vote. Options being completely out (WTO etc.) partly...
by Alaric
February 14th, 2019, 12:28 pm
Forum: How Do I Invest
Topic: Moving cash from a SS Isa to a cash ISA with my Bank
Replies: 4
Views: 126

Re: Moving cash from a SS Isa to a cash ISA with my Bank

but it seems neither party can get round the absence of a sort code at Saga. Being an S&S ISA, I would have thought Saga would be holding the cash in a pooled account from which they transfer the relevant amount to Nationwide who then internally sort out where it goes. Presumably your S&S I...
by Alaric
February 14th, 2019, 12:03 pm
Forum: How Do I Invest
Topic: Moving cash from a SS Isa to a cash ISA with my Bank
Replies: 4
Views: 126

Re: Moving cash from a SS Isa to a cash ISA with my Bank

GarraGee wrote:Both parties seem to be stuck on this point.


Wouldn't you have to go through the formal process of "part transfer of an ISA"? That would usually require Nationwide as the receiver to initiate the process on your instruction.
by Alaric
February 14th, 2019, 8:20 am
Forum: Polite Discussions
Topic: Customs Union - isn't it good enough?
Replies: 78
Views: 983

Re: Customs Union - isn't it good enough?

At least it is yes as far as the continent goes. We, then, have the question as to what extent we participate and whether or not we participate in setting the rules. The problem is that the EU has gone far beyond rules on trade into interference and regulation for the sake of it. Why for example di...
by Alaric
February 13th, 2019, 10:48 pm
Forum: Polite Discussions
Topic: Customs Union - isn't it good enough?
Replies: 78
Views: 983

Re: Customs Union - isn't it good enough?

The point about the EU is that we (soon used to) participate in setting the rules. In the future we will have to follow some of those rules, but not participate in setting them to the same extent that we do at the moment. Is it not the case that some of the EU rules are actually Europe wide or worl...
by Alaric
February 13th, 2019, 7:58 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: SLA share purchases
Replies: 57
Views: 1724

Re: SLA share purchases

SLA is the merged version of Aberdeen and Standard Life so in it's current carnation doesn't have much history. It's the merger of Aberdeen and the investment management side of Standard Life. The life insurance side of Standard was sold off to Phoenix. It's the proceeds of that sale and the regula...
by Alaric
February 12th, 2019, 5:29 pm
Forum: Taxes
Topic: Tax and NI on redundancy
Replies: 2
Views: 187

Re: Tax and NI on redundancy

or would my employer be expected to deal with the tax differently - if so do I have to claim it back from the tax man? It's likely to depend on what tax code they apply to the payment. The likelihood is that too much will be deducted and you will have to claim it back as part of your 2019-2020 tax ...
by Alaric
February 12th, 2019, 1:24 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: SLA share purchases
Replies: 57
Views: 1724

Re: SLA share purchases

pyad wrote: A return which none of us here have ever seen.


Everyone who measures their investment success by market value and total return will have seen their net wealth increased if the effect of the share buyback is to increase the market price of SLA shares.
by Alaric
February 11th, 2019, 4:53 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: SLA share purchases
Replies: 57
Views: 1724

Re: SLA share purchases

(I don't know if the funding would have been aided by the proceeds of the sale of their life insurance portfolio to Phoenix.) Isn't this all part of that deal or a logical follow up? Having sold what was originally the main part of their reason for existence, they were intending to return the proce...
by Alaric
February 11th, 2019, 4:45 pm
Forum: Taxes
Topic: Capital Gains Tax on investment property
Replies: 2
Views: 316

Re: Capital Gains Tax on investment property

when we pay CGT, is it calculated and done by the solicitors as part of the sale? Or would we have to submit details of the sale to the accountant and pay it that way? It would be part of the owner's annual tax return. If you have an accountant at your disposal, you could have them calculate the po...
by Alaric
February 11th, 2019, 3:17 pm
Forum: Pensions - Practical Problems
Topic: How do I know if my work DC pension is on track?
Replies: 12
Views: 421

Re: How do I know if my work DC pension is on track?

I use the standard functions (fv) to predict, given my rate of contributions and an assumed rate of growth what the size of my pot will be when I retire. I can then estimate the natural yield on that sum to give me some idea if I'm on track. However, as I said, that's a simple solution and hence pr...

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