Draft HYP new

[UnclePhilip]

Began constructing a new draft for HYP just now

Allowing for my inability to format a simple spreadsheet, would be grateful for comment/suggestions on the following so far

Uncle

Name Sector Yield
1 Rio Tinto Mining 6.09
2 BHP Mining 5.39
3 DS Smith Packaging 4.81
4 HSBC Banks 6.65
5 Lloyds Banks 6.12
6 Aviva Insurance 7.91
7 Legal & General Ins/Investment 6.30
8 Standard Life Aberdeen Ins/Investment 7.00
9 Glaxo Smith Kline Pharma 4.36
10 SSE Elec/Gas 5.50
11 BP Oil/Gas 6.30
12 RDSB Oil/Gas 6.32
13 BT Telecommunications 7.00
14 BATS Tobacco 6.34
15 Unilever Consumer goods 3.53

[kiloran]

Allowing for my inability to format a simple spreadsheet, would be grateful for comment/suggestions on the following so far

Uncle

Try this.... http://lemonfoolfinancialsoftware.weebl ... ormat.html
Makes copying spreadsheet data to a LemonFool post a doddle.

You can practice at: https://lemonfool.co.uk/viewforum.php?f=28

--kiloran

[Breelander]

Allowing for my inability to format a simple spreadsheet...

There is a tool at the Lemon Fool Financial Software site that can format a table for you...
http://lemonfoolfinancialsoftware.weebl ... ormat.html
...like this:

[kempiejon]

And now nicely formatted we can see you've doubled up in a few sectors, more than a dozen different sectors is a good start so you're a little adrift still. There is an opinion that one can double up within sectors but only having a half sized holding in each pick.
HYP SOP says rank the FTSE100 by descending yield, pick a company in each new sector that satisfies your safety filters. Unilever seem too low on yield.

[monabri]

Might we ask, what's the basis for the yields ?

[moorfield]

Began constructing a new draft for HYP just now

Allowing for my inability to format a simple spreadsheet, would be grateful for comment/suggestions on the following so far

Assuming you've equal weighted capital in each share, there are at least 4 duplicate selections in there. Mining, Banks, Insurance, Oil sectors are all overweight. Also Unilever is not a high yield selection, but that said the overall portfolio yield is 6% (using your numbers) so its selection doesn't offend me personally, it certainly will others here.

[IanTHughes]

Began constructing a new draft for HYP just now

Allowing for my inability to format a simple spreadsheet, would be grateful for comment/suggestions on the following so far

Uncle

Name Sector Yield
1 Rio Tinto Mining 6.09
2 BHP Mining 5.39
3 DS Smith Packaging 4.81
4 HSBC Banks 6.65
5 Lloyds Banks 6.12
6 Aviva Insurance 7.91
7 Legal & General Ins/Investment 6.30
8 Standard Life Aberdeen Ins/Investment 7.00
9 Glaxo Smith Kline Pharma 4.36
10 SSE Elec/Gas 5.50
11 BP Oil/Gas 6.30
12 RDSB Oil/Gas 6.32
13 BT Telecommunications 7.00
14 BATS Tobacco 6.34
15 Unilever Consumer goods 3.53

With your doubling up of Miners, Banks and Oil Producers, this is not sufficient diversification for me.

First of all, I would ignore Lloyds Bank (LLOY) and BHP Plc (BHP). I would also split the Oil & Gas sector investment between BP Plc (BP) and Royal Dutch Shell (RDSB), not a full holding of both. Secondly, in the insurance sector, I would replace Legal and General (LGEN) - yield 5.47% - with Direct Line (DLG) - yield 6.51%. Finally, I would ignore Unilever (ULVR), its yield is still too low.

To replace the 3 duplicated sectors and ULVR, and make up the 15 full holdings you have indicated, I would add:

EPIC | Name              | Yield | Sector     
IGG  | IGG Group         | 6.33% | Gambling   
WPP  | WPP Plc           | 5.66% | Advertising
BLND | British Land      | 5.38% | Property   
CCL  | Carnival Cruising | 4.46% | Cruising   

Although I would probably diversify slightly further by adding a couple more sectors as follows:

EPIC | Name              | Yield | Sector     
PNN  | Pennon            | 4.16% | Water      
BA   | BAE Systems       | 3.81% | Weapons    

Well, well, maybe ULVR is not so far away these days


Ian

[idpickering]

Began constructing a new draft for HYP just now

Allowing for my inability to format a simple spreadsheet, would be grateful for comment/suggestions on the following so far

Uncle

Name Sector Yield
1 Rio Tinto Mining 6.09
2 BHP Mining 5.39
3 DS Smith Packaging 4.81
4 HSBC Banks 6.65
5 Lloyds Banks 6.12
6 Aviva Insurance 7.91
7 Legal & General Ins/Investment 6.30
8 Standard Life Aberdeen Ins/Investment 7.00
9 Glaxo Smith Kline Pharma 4.36
10 SSE Elec/Gas 5.50
11 BP Oil/Gas 6.30
12 RDSB Oil/Gas 6.32
13 BT Telecommunications 7.00
14 BATS Tobacco 6.34
15 Unilever Consumer goods 3.53

Looking good thus far imho. I hold all of your picks save for SSE and AV.
I hope you’re going to continue expanding your HYP with regards the number of shares and sectors covered. I hold 29 shares covering 16 sectors, so obviously I’ve doubled up on some. Each holding is a full one. I hold ULVR and DGE, and although they’re lower yielding shares, I think they’re invaluable for diversification and both are quality shares. It’s your HYP so don’t be put off by some naysayers on shares such as ULVR. Each to their own.

Ian.

[TUK020]

...like this:

Using Bree's table, you can see that you have 1/3 of the portfolio in financials, and are doubled up in mining and oil, but nothing in travel/lesiure, industrials, aerospace, real estate, housebuilding, water utilities.
Concentration seems a bit skewed

[Dod101]

Everyone has their own take on this so you will end up with a portfolio designed by a committee of people you have never met and whose skills you know nothing of. That does not sound like a good idea. There are several holdings that I would not have in my portfolio and ITH has just advised removing one that I would have (Legal & General) Good advice though not to have full holding is both BP and Shell. In fact I would simply drop BP and for that matter Aviva. Neither have very good records and are accident prone.

However, if I were you I would pick what I like from the advice so far but essentially know why I am buying what I am and then see how it works out. That is the only way to gain experience which is what you need and like the rest of us be prepared to learn some lessons. You can then see how the portfolio develops over the next few years.

Dod

[StepOne]

There is no problem having Unilever in there. It's the portfolio yield that matters. Pyad included Shell in the original HYP on a similar yield, and that was a time when the average FTSE yield was higher than it is at the moment.

StepOne

[monabri]

Based on a previous post, is this HYP for 'a.n.other' or are you thinking of trimming down your current HYP?

viewtopic.php?p=70546#p70546

[jackdaww]

i hold , and intend to keep ---

rio
bhp
l&g
glaxo
rdsb
bats.

i avoid --

bt
bp
sse
banks .

[UnclePhilip]

Might we ask, what's the basis for the yields ?

Stockopedia

[UnclePhilip]

Began constructing a new draft for HYP just now

Allowing for my inability to format a simple spreadsheet, would be grateful for comment/suggestions on the following so far

Uncle

Name Sector Yield
1 Rio Tinto Mining 6.09
2 BHP Mining 5.39
3 DS Smith Packaging 4.81
4 HSBC Banks 6.65
5 Lloyds Banks 6.12
6 Aviva Insurance 7.91
7 Legal & General Ins/Investment 6.30
8 Standard Life Aberdeen Ins/Investment 7.00
9 Glaxo Smith Kline Pharma 4.36
10 SSE Elec/Gas 5.50
11 BP Oil/Gas 6.30
12 RDSB Oil/Gas 6.32
13 BT Telecommunications 7.00
14 BATS Tobacco 6.34
15 Unilever Consumer goods 3.53

With your doubling up of Miners, Banks and Oil Producers, this is not sufficient diversification for me.

First of all, I would ignore Lloyds Bank (LLOY) and BHP Plc (BHP). I would also split the Oil & Gas sector investment between BP Plc (BP) and Royal Dutch Shell (RDSB), not a full holding of both. Secondly, in the insurance sector, I would replace Legal and General (LGEN) - yield 5.47% - with Direct Line (DLG) - yield 6.51%. Finally, I would ignore Unilever (ULVR), its yield is still too low.

To replace the 3 duplicated sectors and ULVR, and make up the 15 full holdings you have indicated, I would add:

EPIC | Name              | Yield | Sector     
IGG  | IGG Group         | 6.33% | Gambling   
WPP  | WPP Plc           | 5.66% | Advertising
BLND | British Land      | 5.38% | Property   
CCL  | Carnival Cruising | 4.46% | Cruising   

Although I would probably diversify slightly further by adding a couple more sectors as follows:

EPIC | Name              | Yield | Sector     
PNN  | Pennon            | 4.16% | Water      
BA   | BAE Systems       | 3.81% | Weapons    

Well, well, maybe ULVR is not so far away these days


Ian

Thanks for the reflections.

Yes, I'd thought of two shares in a sector being 'half size', but didn't write that

And thank you for the suggested shares, I'll look into them, much appreciated

[UnclePhilip]

Began constructing a new draft for HYP just now

Allowing for my inability to format a simple spreadsheet, would be grateful for comment/suggestions on the following so far

Uncle

Name Sector Yield
1 Rio Tinto Mining 6.09
2 BHP Mining 5.39
3 DS Smith Packaging 4.81
4 HSBC Banks 6.65
5 Lloyds Banks 6.12
6 Aviva Insurance 7.91
7 Legal & General Ins/Investment 6.30
8 Standard Life Aberdeen Ins/Investment 7.00
9 Glaxo Smith Kline Pharma 4.36
10 SSE Elec/Gas 5.50
11 BP Oil/Gas 6.30
12 RDSB Oil/Gas 6.32
13 BT Telecommunications 7.00
14 BATS Tobacco 6.34
15 Unilever Consumer goods 3.53

Looking good thus far imho. I hold all of your picks save for SSE and AV.
I hope you’re going to continue expanding your HYP with regards the number of shares and sectors covered. I hold 29 shares covering 16 sectors, so obviously I’ve doubled up on some. Each holding is a full one. I hold ULVR and DGE, and although they’re lower yielding shares, I think they’re invaluable for diversification and both are quality shares. It’s your HYP so don’t be put off by some naysayers on shares such as ULVR. Each to their own.

Ian.

Thank you for your thoughts

Would you mind posting your portfolio, so I can see what you considered worth including?

[UnclePhilip]

...like this:

Using Bree's table, you can see that you have 1/3 of the portfolio in financials, and are doubled up in mining and oil, but nothing in travel/lesiure, industrials, aerospace, real estate, housebuilding, water utilities.
Concentration seems a bit skewed

Thanks. Yes too concentrated I agree

It's a first draft, looking for reflections, before I go to next phase!

[UnclePhilip]

Allowing for my inability to format a simple spreadsheet, would be grateful for comment/suggestions on the following so far

Uncle

Try this.... http://lemonfoolfinancialsoftware.weebl ... ormat.html
Makes copying spreadsheet data to a LemonFool post a doddle.

You can practice at: https://lemonfool.co.uk/viewforum.php?f=28

--kiloran

Brilliant, thanks. I'll have a proper look

[idpickering]

Would you mind posting your portfolio, so I can see what you considered worth including?

No problem. My latest offering of my HYP on this board was here;

viewtopic.php?p=255791#p255791

Also this;

viewtopic.php?p=255989#p255989

Ian.

[UnclePhilip]

Based on a previous post, is this HYP for 'a.n.other' or are you thinking of trimming down your current HYP?

viewtopic.php?p=70546#p70546

Ah, that one, thanks for reminding me!

That portfolio was subsequently severely chopped to make funds available for Vanguard global index trackers; and the shares sold depended on which broker they sat in. Therefore I ended up with a drastically lopsided affair