travolta
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Post by travolta on Apr 24, 2023 7:37:30 GMT
Suggestions please to generate income , growth and not (too much) loss of capital .
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keitha
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2024, hopefully the year I get out of P2P
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Post by keitha on Apr 24, 2023 10:38:06 GMT
Premium Bonds ( OK right now losing out )
VCT as a tax payer you should get an instant 30% return
RIPPLE ( buy into the solar farm )
Roof top solar, with battery
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ozboy
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Mine's a Large One! (Snigger, snigger .......)
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Post by ozboy on Apr 24, 2023 11:05:10 GMT
Suggestions please to generate income , growth and not (too much) loss of capital . I suggest you might consider Fundsmith. This is NOT financial advice, do your own due diligence and make your own informed investment decisions. 
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agent69
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Post by agent69 on Apr 24, 2023 11:16:04 GMT
Suggestions please to generate income , growth and not (too much) loss of capital . You'd be better off asking the question here
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mogish
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£10,000
Apr 24, 2023 11:51:16 GMT
via mobile
Post by mogish on Apr 24, 2023 11:51:16 GMT
I've got similar quandary. Want to bung some in my sipp to benefit from tax relief but considering money markets as I believe stocks may face a hard next few years.
I know inflation might eat at banks savings/cash but stocks can also lose value much quicker.
Will be interested to hear what your final choice is.
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travolta
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Post by travolta on Apr 24, 2023 15:34:08 GMT
I usually turn to Dividend Max www.dividendmax.com/Shares with good dividends ,caught in time and sold on . Generally do quite well . Stocks not so much . I'm at full whack with premium bonds and have just chucked Hargreaves Lansdown for ii to cut down on fees. Not to keen on fund managers and their cut ,especially after Neil Woodford debacle......although if he'd been able to hold on through the Tech Bubble he would have been proved right . I'm holding back on Energy for fear of Gov reprisals and windfall taxes to gain votes. Hate British Builders for their shoddy product . Need a good share recommendation . |
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Post by Deleted on Apr 24, 2023 16:07:11 GMT
Assuming the war rumbles on for another three years BA. (BAE military) might be interesting. Never exciting but regular dividend and war and the re-militarisation of the West has to count for something
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Steerpike
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Post by Steerpike on Apr 24, 2023 16:39:12 GMT
I'm at full whack with premium bonds and have just chucked Hargreaves Lansdown for ii to cut down on fees. Not to keen on fund managers and their cut ,especially after Neil Woodford debacle......although if he'd been able to hold on through the Tech Bubble he would have been proved right . Are ii much cheaper than HL? I have only shares, trusts, bonds, and ETFs in my HL accounts and the monthly charge is capped at £16.66 in the SIPP and £3.75 in the ISA.
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Post by Deleted on Apr 24, 2023 17:06:24 GMT
it depends if you trade much, just a few trades (4 year??) and you get most of your management costs back
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Post by harryvederci on Apr 24, 2023 17:48:48 GMT
I'm holding back on Energy for fear of Gov reprisals and windfall taxes
Then have a look at Diversified Energy Company (DEC) LSE FTSE250 listed but a USA mature gas and oil operator which has a niche ESG compliant well retirement operation, they buy up the producing assets at firesale prices in the latter years of production & chuck out 40% of free cashflow in dividends.
Currently 92p with divis paid quarterly of 3.6p yielding 15% pa (next ex-div 25 May). Divis stated in US$ & paid in £. Make sure you buy in a SIPP though to avoid withholding tax & submit a W8-BEN form. Ive had just over 50p in divis from DEC in the last 4 years.
Good info. on the company IR website section
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Post by overthehill on Apr 24, 2023 19:12:35 GMT
I usually turn to Dividend Max www.dividendmax.com/Shares with good dividends ,caught in time and sold on . Generally do quite well . Stocks not so much . I'm at full whack with premium bonds and have just chucked Hargreaves Lansdown for ii to cut down on fees. Not to keen on fund managers and their cut ,especially after Neil Woodford debacle......although if he'd been able to hold on through the Tech Bubble he would have been proved right . I'm holding back on Energy for fear of Gov reprisals and windfall taxes to gain votes. Hate British Builders for their shoddy product . Need a good share recommendation .
You can buy and sell trusts, ETF's, UK or foreign shares, no charge, with Freetrade for £5pm.
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Post by bernythedolt on Apr 25, 2023 1:20:04 GMT
"Need a good share recommendation"Yet all the advice is to diversify, to avoid all eggs in one basket. +1 for Fundsmith. That fund and others have served me well over the years (but we all thought the same of Neil Woodford for a while... glad I was well diversified!). For simplicity and low/reasonable fees, I hold Vanguard's LifeStrategy 'fund of funds' (obvs in a Vanguard account for the lowest fees. HL will sell you them too - at three times the management fees...). Global trackers, well diversified. Their "LifeStrategy 100 Income" may be worth a look? 100% equities. If you prefer a few bonds mixed in, their "LifeStrategy 80 Income" comprises 80% equities with 20% bonds. Your income will never be stellar though. The hope is more for growth. Disclaimer: The usual "Do your own research" obviously applies.
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travolta
Member of DD Central
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Post by travolta on Apr 25, 2023 15:52:58 GMT
Yes,I have that Vanguard a/c too ....
I'm really looking for monthly income without killing my capital . I'll take another look @fundsmith .
I guess I'll have to plough on with Aldemore Bank or similar for regular income and deal with inflation as and when
Wish there was a new silver bullet somewhere in the shares field .
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Post by mostlywrong on Apr 25, 2023 19:11:33 GMT
Yes,I have that Vanguard a/c too .... I'm really looking for monthly income without killing my capital . I'll take another look @fundsmith . I guess I'll have to plough on with Aldemore Bank or similar for regular income and deal with inflation as and when Wish there was a new silver bullet somewhere in the shares field . There ain't no silver bullets out there! Lots of vampires, though...
For monthly income, try SMIF. I hold a small portion of these which have been damaged by the rise in interest rates. The dividends are treated as dividend income, not interest income. That matters not in a SIPP or ISA but might in a trading account. They are currently yielding c8.4%. I have bought more.
They have a sibling, TFIF, which pays quarterly and the company has just bumped up the return to about 7%.
A while ago, I tried to create an equity portfolio that paid monthly for a family member. I tried to use global and national equity ETFs but they all worked on the same dividend cycle: 30 Jun, 30 Sep, 30 Dec, 30 Mar.
We gave up and filled in with individual shares - which is a bit riskier. But he is ahead and the yield on his original investment is about 5% pa.
I think I saw something recently about Lloyds now offering over 6% pa on its regular saver account.
MW
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Post by Deleted on Apr 26, 2023 14:49:06 GMT
SMIF divi cover over past few years has been sub 1 TFIF divi cover has been often than not, over 1
just a thought
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