lookingforclues’ Activity

Today

NL

Boards Post

lookingforclues replied to the High Yield - Share Strategies board. 4 hours ago

Re: Changes to Dividend Tax

The existing starting rate for personal taxation of dividends is 10%, and as the dividend is accompanied by a Tax CREDIT of 10%, for basic rate taxpayers the effective rate is 10% - 10% = 0%. So you do not need to pay any tax and there is no paid [more]

Yesterday

NL

Boards Post

lookingforclues replied to the High Yield - Share Strategies board. 15:28

Re: HYP and market crash protection

What do you do to protect yourselves from the complete market crash?

1. Ensure I have enough income from e.g. pensions or cash drawdown for basic level survival.

2. Develop a mind-set that will allow me to accept a reduction [more]

NL

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lookingforclues replied to the Paulypilot's Pub - Other Stuff board. 07:58

Re: It's the share holders fault!

Haldane harks back to 1970 when corporation tax was 45% and a further tax levied on dividends, effectively double taxation. Any wonder, then, that a much smaller fraction of profits were paid as dividends than is the case today?

Companies [more]

Sun Jul 26

NL

Boards Post

lookingforclues replied to the Golf Nuts board. 11:59

Re: handicaps.

The round with 19 over was pretty much a bogey round overall, except for 2 holes where I got an 8 and a 9 evened out by a birdie (inch away from a hole in one) and a fair number of pars

If you would have scored 36 stableford points on [more]

Fri Jul 24

NL

Boards Post

lookingforclues replied to the Investment Strategies board. 14:37

Re: Future estimates

Yes yield was specified by the original poster but as I suggested to a previous reader who similarly wanted to assume some other yield level, I think this is a misguided approach for the obvious reason that it's just too chancy to assume a yield [more]

NL

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lookingforclues replied to the Beerpig's Snug board. 09:56

Re: Another Earth.....???

The books are extremely good

Yes although there are more characters than there are planets in habitable zones in the known universe.

lfc

NL

Boards Post

lookingforclues replied to the Investment Strategies board. 09:51

Re: Future estimates

It's because the original question was framed in terms of an income requirement of a real £9,000 pa. But we cannot know now how much capital will produce that income when it is finally required because that depends on the prevailing rates of [more]

Thu Jul 23

NL

Boards Post

lookingforclues replied to the Investment Strategies board. 12:51

Re: Parking Cash In Gilts

While I agree with that, i am looking for the most riskless method of holding cash while still gaining a return

I think you may be looking for something that simply doesn't exist just now. UK gilts of up to 4 years duration pay less [more]

NL

Boards Post

lookingforclues replied to the Investment Strategies board. 11:50

Re: Future estimates

If he has a target income, then his best plan is to concentrate on building that income flow.

Income flow prior to retirement is a complete irrelevance. All that matters are optimisation of risk and total return such as to give the [more]

NL

Boards Post

lookingforclues replied to the Investment Strategies board. 07:56

Re: Future estimates

The fallacy in that argument is the 4.5% yield. By then the market could have moved so far that either 2% or 6% might be the likely yield. You can only do this by building that dividend income flow. You ignore it at your peril.

By [more]

Tue Jul 21

NL

Boards Post

lookingforclues replied to the Investment Strategies board. 07:05

Re: Future estimates

The real (after inflation) return on equities over the last century has been around 5% p.a. If you plug this figure into your £95K starting capital then it would take you just over 15 years to get to £200K in todays money.

The [more]

Mon Jul 20

NL

Boards Post

lookingforclues replied to the Beerpig's Snug board. 07:01

Re: The best record you've heard about a break u

Any Gordons out there remember this one;

https://www.youtube.com/watch?v=iN45OjB-cCU

Fri Jul 17

NL

Boards Post

lookingforclues replied to the High Yield - HYP Practical board. 14:47

Re: My Portfolio

I would much rather concentrate on buying reliable dividend payers, the return of which I can then channel into further shares of either top-ups or new purchases. Once I need the income I can just seamlessly switch to withdrawing the dividends [more]

NL

Boards Post

lookingforclues replied to the High Yield - HYP Practical board. 14:43

Re: My Portfolio

My exchange with lfc strayed from the subject of this Board, which, just to remind everyone, is about buying and holding a selection of shares so as to generate an income. Capital growth does not come into unless of course you are a [more]

NL

Boards Post

lookingforclues replied to the High Yield - HYP Practical board. 09:00

Re: My Portfolio

My point is though that over the long term many shares in fact possibly most decently run companies will increase in value

When I looked at the FTSE 100 components from 2000-14 this was not borne out. It seemed to be especially untrue [more]

NL

Boards Post

lookingforclues replied to the Investment Strategies board. 07:47

Re: Investing for future income

amatsaver

My advice to you would be to take a little time to educate yourself regarding investment. You certaily have enough money, both capital and income, to make it worthwhile. If you do this you will quickly find;

1. Spending [more]

NL

Boards Post

lookingforclues replied to the High Yield - HYP Practical board. 07:24

Re: My Portfolio

How many big winners have you had lfc?

Depending on definitions I would say around 15% of my initial picks. They would be the likes of BT, ABF, CPG, PSON, SN., RB., DGE and SAB. But my current portfolio is only between 5 and 10 years [more]

Thu Jul 16

NL

Boards Post

lookingforclues replied to the High Yield - HYP Practical board. 18:16

Re: My Portfolio

Surely they are mutually exclusive ;)

Not sure if the smiley means you don't believe this but assuming you do then consider that a loser can only lose you your stake whilst a winner can multiply your stake several-fold. So in a [more]

NL

Boards Post

lookingforclues replied to the High Yield - HYP Practical board. 17:15

Re: My Portfolio

Avoiding losses is one of the best maxims from Buffett in the field of investing. In investing it is usual for capital values and dividends to increase over time - that may be a long time, but overall that is the way it goes and seems to be the [more]

NL

Boards Post

lookingforclues replied to the High Yield - HYP Practical board. 08:04

Re: My Portfolio

The wider your net the greater the chance of picking up a real cutter and that is one reason I restrict my HYP portfolio to around 20 shares

Restricting diversification may reduce the chance of picking up a cutter but it also reduces [more]

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Boards Stats & Trivia

Big gold star, 5000 posts
Board Posts 6856
Recs Received 14607
People who have rec'd these posts 1831
Recs to Posts Ratio (last 30 days) 6.20
Threads Started 398
Threads Started Percentage 5.81 %
Most Frequent Board Property - Markets and Trends
Very First Post Re: costs ! (26/08/2007)
Percentage of Posts Rec'd 60.85 %
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