IDP's HYP as of 14 Jan 2021

[idpickering]

Good afternoon all.

I last put my HYP up on this board on 15 Oct 20, here viewtopic.php?f=15&t=25700

Since then there have been a number of monthly top ups of my holdings, as follows;

On 15 Oct 20, both BAE Systems and BP. were topped up.
On 17 Nov 20 Vodafone got the nod.
On 22 Dec 20 SSE were topped up.

There have been no sales, and I've just let my HYP be. I was tempted to top slice my mining holdings, but held off from doing so.

My HYP now looks like this;

Admiral Group
AstraZeneca
BAE Systems
BHP Group
British American Tobacco
BP.
Diageo
GlaxoSmithKline
IG Group
Legal & General
National Grid
Phoenix Group
Primary Health Properties
Rio Tinto
Sainsbury
Schroders (non-voting)
Shell (RDSB)
SSE
Standard Life Aberdeen
Tate & Lyle
Tesco
Tritax Big Box
Unilever
United Utilities
Vodafone

Mining                     11.5%
Life Insurance             10.4%
General Finance            10.0%
Oil & gas                  9.4%
Utilities (gas & water)    7.6%
Pharmas                    7.3%
Food Producers             7.1%
Retail                     6.1% 
Real Estate                6.0%
Non Life Insurance         5.0%
Tobacco                    4.4%
Mobile Telcos              4.2%
Aerospace & Defence        4.0%
Electricity                4.0%
Beverages                  3.0%

I intend making a small top up of my GSK holdings on 21 Jan 21, and that'll be it for them for now I think. Next month I'm leaning towards buying more BATS.

Comments welcome,

Ian.

[tjh290633]

Ian, I would prefer to see the weights of individual holdings, rather than your allocation to sectors. Then one could decide whether anything in particular was crying out for action.

In the last 12 months I have had cause to trim a number of holdings, 10 times in all, which includes trimming WMH twice and a total disposal of them. Rio Tinto was one, in July at 4638p, whereas now it is at about £60. BHP and RIO are my two heaviest shares, at 3.5%, some way below my trigger point of 4.2% or 50% above median weight. Some way to go before any more trimming is needed.

Here is my sector analysis:

Summary                                                                
Sector      Weight    Income    Cost      Yield    Shares              
Banks/Fin     1.79%     0.00%     4.51%    0.00%   LLOY                
Bldg          2.70%     0.00%     3.33%    0.00%   TW.                 
Eng           6.21%     5.95%     1.87%    3.65%   BA.      IMI        
Food          7.77%     7.37%     4.54%    3.52%   TATE     ULVR   RB. 
Leisure       8.34%     5.75%    10.59%    2.45%   IGG      DGE    MARS
Insur         9.95%    15.33%    11.83%    5.79%   AV.      ADM    LGEN
Media         3.17%     2.43%     5.29%    2.89%   PSON                
Mining       10.00%     9.89%     8.78%    3.63%   BHP      S32    RIO 
Oil/Gas       5.63%     7.66%     9.85%    5.09%   BP.      RDSB       
Pharm         5.29%     6.11%     1.97%    4.35%   AZN      GSK        
Property      8.31%     7.32%     8.45%    3.28%   SGRO     BLND   PHP 
Retail        7.12%     3.22%    11.48%    1.34%   MKS      TSCO   KGF 
Support       5.04%     2.38%    -2.20%    1.48%   CPG      SMDS       
Telecom       4.86%     4.31%     8.57%    3.18%   BT.A     VOD        
Tobacco       4.69%    10.01%     3.67%    8.10%   IMT      BATS       
Utils         9.13%    12.27%     7.46%    5.08%   UU.      NG.    SSE 
                                                                       
Totals:     100.00%   100.00%   100.00%    3.71%       16     13      7
Medians:      5.92%     6.03%     6.37%    3.40%                       
                                          Total:       36

You have done me a good turn, because when I looked at my table it still had WMH in it, and IGG did not feature, so I have had to update it. Insurance looks high because I have included Admiral, which is effectively a different sub sector. My top up table has undergone a radical change of late:

Top-up          Income                     Cost                
Rank     EPIC   Rank     EPIC   % Income   Rank   Epic   % Cost
     1   IMB*        1   LGEN      5.88%      1   AV.     4.59%
     2   BATS*       2   AV.       5.40%      2   PSON    4.28%
     3   VOD*        3   BATS      5.40%      3   BP.     4.27%
     4   GSK         4   BP.       5.15%      4   RDSB    4.27%
     5   BP.*+       5   IMB       4.78%      5   LLOY    4.22%
     6   NG.         6   RIO       4.59%      6   MARS    4.18%
     7   RB.         7   SSE       4.51%      7   GSK     4.07%
     8   MKS#        8   VOD       4.39%      8   BT.A    4.03%
     9   BLND        9   ADM       4.30%      9   MKS     3.86%
    10   IGG        10   NG.       4.18%     10   PHP     3.66%
    11   TATE       11   GSK       4.16%     11   IGG     3.59%
    12   BA.        12   UU.       3.78%     12   S32     3.57%
    13   AZN        13   BA.       3.78%     13   TSCO    3.51%
    14   CPG#       14   IGG       3.54%     14   BLND    3.49%
    15   RDSB+      15   TATE      3.34%     15   BHP     3.38%
    16   ULVR       16   TSCO      3.28%     16   LGEN    3.28%
    17   LGEN*      17   BHP       3.05%     17   SSE     3.14%
    18   LLOY+      18   PHP       2.91%     18   KGF     3.02%
    19   MARS#      19   BLND      2.65%     19   BATS    2.90%
    20   SGRO       20   RDSB      2.63%     20   VOD     2.87%

The top of the table has far fewer disqualifications, (*) for weight of income, (+) for share of cost and (#) for lack of dividends. That's what comes of introducing IGG to the portfolio. More resumptions of dividends (like TW. announced today in its update) will have a marked effect.

TJH

[idpickering]

Ian, I would prefer to see the weights of individual holdings, rather than your allocation to sectors. Then one could decide whether anything in particular was crying out for action.

In the last 12 months I have had cause to trim a number of holdings, 10 times in all, which includes trimming WMH twice and a total disposal of them. Rio Tinto was one, in July at 4638p, whereas now it is at about £60. BHP and RIO are my two heaviest shares, at 3.5%, some way below my trigger point of 4.2% or 50% above median weight. Some way to go before any more trimming is needed.

Here is my sector analysis:

Summary                                                                
Sector      Weight    Income    Cost      Yield    Shares              
Banks/Fin     1.79%     0.00%     4.51%    0.00%   LLOY                
Bldg          2.70%     0.00%     3.33%    0.00%   TW.                 
Eng           6.21%     5.95%     1.87%    3.65%   BA.      IMI        
Food          7.77%     7.37%     4.54%    3.52%   TATE     ULVR   RB. 
Leisure       8.34%     5.75%    10.59%    2.45%   IGG      DGE    MARS
Insur         9.95%    15.33%    11.83%    5.79%   AV.      ADM    LGEN
Media         3.17%     2.43%     5.29%    2.89%   PSON                
Mining        7.00%     9.89%     8.78%    3.63%   BHP      S32    RIO 
Oil/Gas       5.63%     7.66%     9.85%    5.09%   BP.      RDSB       
Pharm         8.30%     6.11%     1.97%    4.35%   AZN      GSK        
Property      8.31%     7.32%     8.45%    3.28%   SGRO     BLND   PHP 
Retail        7.12%     3.22%    11.48%    1.34%   MKS      TSCO   KGF 
Support       5.04%     2.38%    -2.20%    1.48%   CPG      SMDS       
Telecom       4.86%     4.31%     8.57%    3.18%   BT.A     VOD        
Tobacco       4.69%    10.01%     3.67%    8.10%   IMT      BATS       
Utils         9.13%    12.27%     7.46%    5.08%   UU.      NG.    SSE 
                                                                       
Totals:     100.00%   100.00%   100.00%    3.71%       16     13      7
Medians:      6.60%     6.03%     6.37%    3.40%                       
                                          Total:       36

You have done me a good turn, because when I looked at my table it still had WMH in it, and IGG did not feature, so I have had to update it. Insurance looks high because I have included Admiral, which is effectively a different sub sector. My top up table has undergone a radical change of late:

Top-up          Income                     Cost                
Rank     EPIC   Rank     EPIC   % Income   Rank   Epic   % Cost
     1   IMB*        1   LGEN      5.88%      1   AV.     4.59%
     2   BATS*       2   AV.       5.40%      2   PSON    4.28%
     3   VOD*        3   BATS      5.40%      3   BP.     4.27%
     4   GSK         4   BP.       5.15%      4   RDSB    4.27%
     5   BP.*+       5   IMB       4.78%      5   LLOY    4.22%
     6   NG.         6   RIO       4.59%      6   MARS    4.18%
     7   RB.         7   SSE       4.51%      7   GSK     4.07%
     8   MKS#        8   VOD       4.39%      8   BT.A    4.03%
     9   BLND        9   ADM       4.30%      9   MKS     3.86%
    10   IGG        10   NG.       4.18%     10   PHP     3.66%
    11   TATE       11   GSK       4.16%     11   IGG     3.59%
    12   BA.        12   UU.       3.78%     12   S32     3.57%
    13   AZN        13   BA.       3.78%     13   TSCO    3.51%
    14   CPG#       14   IGG       3.54%     14   BLND    3.49%
    15   RDSB+      15   TATE      3.34%     15   BHP     3.38%
    16   ULVR       16   TSCO      3.28%     16   LGEN    3.28%
    17   LGEN*      17   BHP       3.05%     17   SSE     3.14%
    18   LLOY+      18   PHP       2.91%     18   KGF     3.02%
    19   MARS#      19   BLND      2.65%     19   BATS    2.90%
    20   SGRO       20   RDSB      2.63%     20   VOD     2.87%

The top of the table has far fewer disqualifications, (*) for weight of income, (+) for share of cost and (#) for lack of dividends. That's what comes of introducing IGG to the portfolio. More resumptions of dividends (like TW. announced today in its update) will have a marked effect.

TJH

Thanks for your input Terry. I do get what you mean by your comment regarding seeing the capital value weighting of each holding. I shall work them out and repost my HYP.

As for trimming shares, none of mine are outrageously overweight I think. I tend to aim at lowering their overall weighting in my HYP, by directing new monies at the lower weighted holdings, if they're viable of course.

Kind regards,

Ian.

[idpickering]

Ian, I would prefer to see the weights of individual holdings, rather than your allocation to sectors. Then one could decide whether anything in particular was crying out for action.
TJH

Here you go Terry. Capital values as of close of play yesterday;

Admiral Group                  4.8%
AstraZeneca                    3.7%
BAE Systems                    4.0%
BHP Group                      5.7%
British American Tobacco       4.5%
BP.                            4.5%
Diageo                         1.7%
GlaxoSmithKline                3.9%
IG Group                       4.2%
Legal & General                6.0%
National Grid                  4.2%
Phoenix Group                  4.2%
Primary Health Properties      2.9%
Rio Tinto                      5.7%
Sainsbury                      3.1%
Schroders (non-voting)         3.1%
Shell (RDSB)                   5.0%
SSE                            4.0%
Standard Life Aberdeen         4.0%
Tate & Lyle                    3.8%
Tesco                          3.0%
Tritax Big Box                 3.1%
Unilever                       3.1%
United Utilities               3.1%
Vodafone                       4.2%

Going forward I'll try to remember to include this information in my opening post should I put my HYP up here again in the future. In fact, those more computer savvy than I could include this information in my opening post in this thread if you like?

Ian.

[Arborbridge]

Ian, I would prefer to see the weights of individual holdings, rather than your allocation to sectors. Then one could decide whether anything in particular was crying out for action.
TJH

Here you go Terry. Capital values as of close of play yesterday;

Admiral Group                  4.8%
AstraZeneca                    3.7%
BAE Systems                    4.0%
BHP Group                      5.7%
British American Tobacco       4.5%
BP.                            4.5%
Diageo                         1.7%
GlaxoSmithKline                3.9%
IG Group                       4.2%
Legal & General                6.0%
National Grid                  4.2%
Phoenix Group                  4.2%
Primary Health Properties      2.9%
Rio Tinto                      5.7%
Sainsbury                      3.1%
Schroders (non-voting)         3.1%
Shell (RDSB)                   5.0%
SSE                            4.0%
Standard Life Aberdeen         4.0%
Tate & Lyle                    3.8%
Tesco                          3.0%
Tritax Big Box                 3.1%
Unilever                       3.1%
United Utilities               3.1%
Vodafone                       4.2%

Going forward I'll try to remember to include this information in my opening post should I put my HYP up here again in the future. In fact, those more computer savvy than I could include this information in my opening post in this thread if you like?

Ian.

Yes, that's a good way to do it, though personally I would prefer then ranged in size order rather than alphabetical for what's in a name, as the Bard wrote

I have to say, you've managed to keep a nice even spread there and in sectors - much better than my own.

Arb.

[kempiejon]

Ian, I was writing to tell you how impressed I was with your weightings when I read Arb's comment

Yes, that's a good way to do it, though personally I would prefer then ranged in size order rather than alphabetical for what's in a name, as the Bard wrote I have to say, you've managed to keep a nice even spread there and in sectors - much better than my own. Arb.

My own HYP has a long tail of undersized holdings. Your regular dumping of offenders would have prevented that. I still hold my pre financial crisis Lloyds shares and other no hopers De La Rue, Premier foods, Centrica and Dixons Carphone all have lost something like 80% of my investment.
You only show Diageo as a an obvious drift from the 4% average holding. Presumably they've not had high enough yield to catch a top up. I hold DGE having bought about 10 years ago at what looks like 3.5%, they've never been topped up.

[tjh290633]

I have sorted them by weight, Ian.

Share                       Weight
Legal & General              6.00%
Rio Tinto                    5.70%
BHP Group                    5.70%
Shell (RDSB)                 5.00%
Admiral Group                4.80%
British American Tobacco     4.50%
BP.                          4.50%
Vodafone                     4.20%
Phoenix Group                4.20%
National Grid                4.20%
IG Group                     4.20%
Standard Life Aberdeen       4.00%
SSE                          4.00%
BAE Systems                  4.00%
GlaxoSmithKline              3.90%
Tate & Lyle                  3.80%
AstraZeneca                  3.70%
United Utilities             3.10%
Unilever                     3.10%
Tritax Big Box               3.10%
Schroders (non-voting)       3.10%
Sainsbury                    3.10%
Tesco                        3.00%
Primary Health Properties    2.90%
Diageo                       1.70%
                                  
Median                       4.00%
Mean                         3.98%

With 25 holdings I would set the limit for an individual holding at twice the median, or 8% in your case. Nothing is currently overweight, and nothing to frighten the horses. That implies a limit of 16% for a sector if you allow two holdings per sector.

It looks fine to me.

TJH

[idpickering]

Ian, I was writing to tell you how impressed I was with your weightings when I read Arb's comment

Yes, that's a good way to do it, though personally I would prefer then ranged in size order rather than alphabetical for what's in a name, as the Bard wrote I have to say, you've managed to keep a nice even spread there and in sectors - much better than my own. Arb.

My own HYP has a long tail of undersized holdings. Your regular dumping of offenders would have prevented that. I still hold my pre financial crisis Lloyds shares and other no hopers De La Rue, Premier foods, Centrica and Dixons Carphone all have lost something like 80% of my investment.
You only show Diageo as a an obvious drift from the 4% average holding. Presumably they've not had high enough yield to catch a top up. I hold DGE having bought about 10 years ago at what looks like 3.5%, they've never been topped up.

My thanks to you both. I'm honoured as imho, you two are right up there as Fools to pay attention to.

Evidently, at 25 holdings in my HYP, the average capital value weighting should be around 4%. I do try to add to my holdings as part of my regular monthly top ups, adding to my lower weighted holdings, with the higher yield ones first, as I do so.

I'm a bit fan of Stephen Bland's item "HYPsavers" here; https://web.archive.org/web/20071231131 ... avers.aspx and as there's not any new shares that I'm all that interested in, I've begun doubling up my holdings in any given share, starting with the higher yielders first. That's why LGEN weighs in at 6% of my HYP. I topped them up last March. Effectively it's a 11/2 holding. I'd rather top my sares up slowly than just leaping in to double holding status. Having said that, I have previous for doubling up when I did do with RDSB in 2016, and bought even more RDSB four times last year. Ditto on the later front with BP. too.

As for DGE, I'm happy to continue holding, but the 2.4% yield on offer from buying them now is not attractive enough for me. Likewise, I have no intention of dumping my DGE holdings either. I'm watching the likes of Lloyds and HSBC with interest. I don't 'have' to hold them, but if the situation with them settles down in the future and they start paying a dividend, offering a good yield, then I might toy with buying them again. We'll see.
As for listing the shares in size order, I was losing the will to live working my way through them this morning as it is!

I've just noticed Terry has sorted my holdings out by weight, in the post above. Thank you Terry.

Ian.

[dealtn]

Ian, I was writing to tell you how impressed I was with your weightings when I read Arb's comment

Yes, that's a good way to do it, though personally I would prefer then ranged in size order rather than alphabetical for what's in a name, as the Bard wrote I have to say, you've managed to keep a nice even spread there and in sectors - much better than my own. Arb.

My own HYP has a long tail of undersized holdings. Your regular dumping of offenders would have prevented that. I still hold my pre financial crisis Lloyds shares and other no hopers De La Rue, Premier foods, Centrica and Dixons Carphone all have lost something like 80% of my investment.
You only show Diageo as a an obvious drift from the 4% average holding. Presumably they've not had high enough yield to catch a top up. I hold DGE having bought about 10 years ago at what looks like 3.5%, they've never been topped up.

Hope is forward looking, performance is backwards looking. I think you are conflating two different things here.

I hold one of those four (although not for HYP purposes, and likely wouldn't be a holder were it not for that poor past performance).

[idpickering]

I have sorted them by weight, Ian.

Share                       Weight
Legal & General              6.00%
Rio Tinto                    5.70%
BHP Group                    5.70%
Shell (RDSB)                 5.00%
Admiral Group                4.80%
British American Tobacco     4.50%
BP.                          4.50%
Vodafone                     4.20%
Phoenix Group                4.20%
National Grid                4.20%
IG Group                     4.20%
Standard Life Aberdeen       4.00%
SSE                          4.00%
BAE Systems                  4.00%
GlaxoSmithKline              3.90%
Tate & Lyle                  3.80%
AstraZeneca                  3.70%
United Utilities             3.10%
Unilever                     3.10%
Tritax Big Box               3.10%
Schroders (non-voting)       3.10%
Sainsbury                    3.10%
Tesco                        3.00%
Primary Health Properties    2.90%
Diageo                       1.70%
                                  
Median                       4.00%
Mean                         3.98%

With 25 holdings I would set the limit for an individual holding at twice the median, or 8% in your case. Nothing is currently overweight, and nothing to frighten the horses. That implies a limit of 16% for a sector if you allow two holdings per sector.

It looks fine to me.

TJH

Thank you very much for sorting this out Terry. You're a star!

As I mentioned in my post above, I'm in no rush to deliberately double a holding's weighting, and prefer to work my way through the HYP, topping up each likely candidate as I do so.

On the REIT front, I'm looking at buying more PHP soon. This month I'd buying more GSK, and next month, BATS. I am open to new share suggestions too though.

Respectfully,

Ian.

[Arborbridge]

As for listing the shares in size order, I was losing the will to live working my way through them this morning as it is!

I've just noticed Terry has sorted my holdings out by weight, in the post above. Thank you Terry.

Ian.

Do you have them in a spreadsheet, Ian? If so it is the job of a moment to sort them in any way you wish. If you need help, you can get it here or DM me.

Arb.

[idpickering]

Do you have them in a spreadsheet, Ian? If so it is the job of a moment to sort them in any way you wish. If you need help, you can get it here or DM me.

Arb.

Hi Arb, cheers for your post. No I don't have my holdings on a spreadsheet, but I'm toying with correcting that shortfall in the future. Thank you also for your kind offer of help should I need it going forward. You're a true gent Arb.

Ian.

[Arborbridge]

Do you have them in a spreadsheet, Ian? If so it is the job of a moment to sort them in any way you wish. If you need help, you can get it here or DM me.

Arb.

Hi Arb, cheers for your post. No I don't have my holdings on a spreadsheet, but I'm toying with correcting that shortfall in the future. Thank you also for your kind offer of help should I need it going forward. You're a true gent Arb.

Ian.

Ok Ian, I can understand your difficulty now - it is a real pain otherwise. Play around with Excel - daunting at first, but really invaluable for this sorting problem when you get used to it. I can understand your reluctance about HYPTUSS now - but fear not, people will help whenever you feel like having a go.

I use it for all sorts of domestic other things too: if like me you have a geeky list making tendency, you will find uses.

Arb.

[TUK020]

Do you have them in a spreadsheet, Ian? If so it is the job of a moment to sort them in any way you wish. If you need help, you can get it here or DM me.

Arb.

Hi Arb, cheers for your post. No I don't have my holdings on a spreadsheet, but I'm toying with correcting that shortfall in the future. Thank you also for your kind offer of help should I need it going forward. You're a true gent Arb.

Ian.

Ok Ian, I can understand your difficulty now - it is a real pain otherwise. Play around with Excel - daunting at first, but really invaluable for this sorting problem when you get used to it. I can understand your reluctance about HYPTUSS now - but fear not, people will help whenever you feel like having a go.

I use it for all sorts of domestic other things too: if like me you have a geeky list making tendency, you will find uses.

Arb.

Take a serious look at loading this into HYPTUSS.
Not only will this do price scrapes etc, but will also produce a top up priority suggestions.
Most elegantly of all, it will enable you to create a snapshot report, already formatted for publishing on TLF
Also, smashing technical support from IAAG & Kiloran

[idpickering]

Hi Arb, cheers for your post. No I don't have my holdings on a spreadsheet, but I'm toying with correcting that shortfall in the future. Thank you also for your kind offer of help should I need it going forward. You're a true gent Arb.

Ian.

Ok Ian, I can understand your difficulty now - it is a real pain otherwise. Play around with Excel - daunting at first, but really invaluable for this sorting problem when you get used to it. I can understand your reluctance about HYPTUSS now - but fear not, people will help whenever you feel like having a go.

I use it for all sorts of domestic other things too: if like me you have a geeky list making tendency, you will find uses.

Arb.

Take a serious look at loading this into HYPTUSS.
Not only will this do price scrapes etc, but will also produce a top up priority suggestions.
Most elegantly of all, it will enable you to create a snapshot report, already formatted for publishing on TLF
Also, smashing technical support from IAAG & Kiloran

Thanks for that. I will give it a go. I must admit to not being a whiz on all things computer wise though.

Ian.

[Gengulphus]

... No I don't have my holdings on a spreadsheet, but I'm toying with correcting that shortfall in the future. ...

In case you're being put off doing that by the amount of effort involved in moving to using a spreadsheet:, a tip: if you've got the data reasonably formatted in text form, getting it into an Excel spreadsheet can be done without re-inputting the data, by saving it to a temporary text file and then importing that text file into Excel. On the version of Excel I'm using (*), the importing is done by going to the "DATA" tab, then in the "Get External Data" group of options, clicking on "From Text" and following the instructions. For example, doing this enabled me to get your table of shareholdings in viewtopic.php?p=377322#p377322 above into a spreadsheet with the company names formatted as text in the first column and the weightings as percentages in the second column in well under a minute, and it wouldn't have taken any longer if you had ten times as many holdings.

(*) On other versions, the procedure might be different - ask Excel's help facility about the 'text import wizard' if you have trouble finding it.

Gengulphus

[kempiejon]

... No I don't have my holdings on a spreadsheet, but I'm toying with correcting that shortfall in the future. ...

In case you're being put off doing that by the amount of effort involved in moving to using a spreadsheet:, a tip: if you've got the data reasonably formatted in text form, getting it into an Excel spreadsheet can be done without re-inputting the data, by saving it to a temporary text file and then importing that text file into Excel. On the version of Excel I'm using (*), the importing is done by going to the "DATA" tab, then in the "Get External Data" group of options, clicking on "From Text" and following the instructions. For example, doing this enabled me to get your table of shareholdings in viewtopic.php?p=377322#p377322 above into a spreadsheet with the company names formatted as text in the first column and the weightings as percentages in the second column in well under a minute, and it wouldn't have taken any longer if you had ten times as many holdings.

(*) On other versions, the procedure might be different - ask Excel's help facility about the 'text import wizard' if you have trouble finding it.

Gengulphus

To add to Gengulphus' suggestion, what I do to get my data into text I go to my broker and just copy and paste the holdings list. If one has a Halifax account at the top of the portfolio page, right hand side above the final column there's a button for [printer friendly view]. I prefer that view. Select and copy the data you want and paste into excel, then you can play around with formatting and which info to keep. Anyhow there's board for software help.

[idpickering]

My thanks to you both. I do have my stocks & shares ISA, in which my HYP is held, with Halifax, so your tip kempiejon is very helpful.

Ian.

[johnstevens77]

Ian

HYPTUSS is a doddle, give it a go and you will wonder how you ever managed without it. As for me, I use it for three portfolios; HYP, IT and a small growth portfolio.

john

[idpickering]

Ian

HYPTUSS is a doddle, give it a go and you will wonder how you ever managed without it. As for me, I use it for three portfolios; HYP, IT and a small growth portfolio.

john

Thanks for your input John. I will certainly have a look.

Ian.