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You're only covered if the provider collapses, if businesses you're invested in fail then you're not covered for any amount of money. If you want to have your saving safe then you need to invest into a cash isa or savings account product
Thanks for your replies. I currently have 60000 in a trading 212 stocks and shares ISA. I have 20000 ready to put in for this year's allowance and I also can transfer in another 20000 from a cash ISA. I gradually buy shares each day especially legal and general.
I understand we are covered by 85000 if trading 212 go bust. What happens if I have £100,000 worth of shares held in trading 212 would my shares still be safe ?
Non auto re-investing is my strategy as well, apart from LGEN currently. All my other company shares dividends get put into a pot so to speak & I take a position normally in another company when there is dip in the market. Patience has proved to be rewarded for me. Last years dividends were just short of 9K & most of this went into Aviva. Not for everyone but it works for me.
Glad to have topped up a few weeks ago. The fundamentals of this company are just too good. A lifetime hold if ever I’ve seen one.
Hi Nick, I agree with your idea of not "auto-reinvesting" dividends. There is often a bump in price on the day this happens as all that money gets put into the shares. Better to take a look at all your holdings and top up something else, or as you say accumulate the divis and take up a new position.
Exactly this. I try and do this and I refer to it as an effective yield. If you are lucky enough to buy shares in times of extreme stress and diversify you can end up with very high yields to supplement more defensive positions. I appreciate the example I'm am about to give is very risky, but i currently have an effective yield of 25% on GKP. It is one of my biggest holdings, but if it went bust it would knock only ~5% off my portfolio. Even at that level it contributes >1% to the portfolio in terms of an income stream.
Another thing I like to do (I'm not taking income as a salary/pension) is not reinvest dividends and instead use proceeds to fund new positions, preferably in times of distress (thus keep these in cash for macro/micro stress points) to broaden the portfolio.
Good luck whatever you do.
You are unlikely to get 12% initially, but if you are looking at "real yield" on your 100k, you could get there over time. Ideally, if you drip feed it into the market at times of market stress, you will get capital growth as prices recover. The stated yield of 4% is a much healthier 8% real yield if you bought when the shares were half the price. Right now and the coming months are clearly shaping up to be just such a period of market stress and there are some bargains to be had. Still, we may not have reached the bottom yet, which is where topping up to reduce your average price will help. I'm no expert and not seeking to give advice, but just imparting my own experiences. Good Luck!
12% a year is 3 times the established norm so good luck with that one. Almost every investor in the country would snap that up like a shot. I take it that you have built up your ISA over a few years to be holding 100K ready to invest.
Diversification is the key, 20 companies at 5K each seems sensible or look at related funds, income funds not acc as you want a dividend stream. For starters LGEN is at about 7.5% & about as safe as you can get. Good luck & let us know what you decide to do.
Oh & don't take any notice of what Porsche (Lada) man says, he is an imbecile with the brain of a child.
good start to the year..... and solid results...
ULVR doing well lately, so added some more.
with £100K, to get £12k per year in dividend, that mean, the company has to pay a 10% yield per year, which YOU SHOULD NOT DO. I would stay around a dividend yield of 3% to 5% per year. Invest in blue chips and good companies that belong to the FTSE100 in the UK and the S&P 500 in the US. Look aswell into Europe, they have very good companies there aswell. But please, I say again, PLEASE, do not take advice from anyone here including MYSELF. Do some reading about dividend investments. There are lots of articles and books about it. DO YOUR OWN RESEARCH PLEASE
Sp doing quite well in this market.
Barchid. I think that’s a bit harsh on Porsche he clearly doesn’t have an agenda and is just helping with insight into Unilever .
Ps buy your tools and paint from multi tools; Chatsworth Grove, London ring us on 01232 123456 ????
Porsche
Same old, same old.
What has this board got to do with S&P etf's I have zero idea but looking through your posts you keep trolling the same old....
Get a life & dyor
Stick to buying S&P top 50 ETF’s denominated in USD. All this other stuff is total crxp. Most of the time you would be better off paying the tax on the money and investing freely and having 100 liquid access to your money.
If your talking about investing 100000 in an isa it will take you a few years. If you want a good investment buy an inflation linked gov issue bond which unfortunately don’t come out to often .
For a long term hold . Most of my savings 80% are in various funds other 20% in individual shares. Luckily I sold most of my funds in November, reason was to change brokers to save time rather than waiting for my brokers to take 6 weeks to do it. The lucky bit was the funds were starting to drop so I revamped my portfolio in Jan - March. :-) hope you do well.
I would suggest doing some reading of your own and then talking to a financial advisor, to me at least 100K is not an insignificant amount of money and I would not invest it based on the opinions of a few random people on the internet.
As you have said, you already have shares in a number of established companies that pay dividends. You could start by looking at their growth and dividend payments to see if historically they have generated the returns you want. I am going to hazard a guess and same consistently it is unlikely as many of these British based companies dont enjoy the same growth returns as companies listed on the American exchanges.
Hi, I have around £100,000 to invest an ISA. I would like reliable dividend income. I have shares in persimmon, Taylor wimpey, city of London, gsk, azn, Unilever, lgn and a few more. With dividend income and possible growth would it be possible to get around 12 per cent return per year ?. That would give me £12000 a year which I would be happy with. Any advice would be helpful. I understand risks are involved.
This company has struggled since deciding to base itself in the UK and consolidate on the LSE. Bad move as whilst it still provides good solid returns it's management has come in for some bad press from poorly informed idiots and pirhanas. Its time to shake off the doubters and move this share up the scale where it deserves to be
It might well be an attractive sp now. Also when we talk about a company it the fund managers that are invested that have the say as all they need to do is join forces with another fund that has a considerable amount invested and force the issue.
I have the impression that UL is lacking a long term strategy.
They seemed to be needing (desperately) new brands (i.e. the GSK ones). Would seeking new opportunities from existing brands be like trying to drain blood from a stone? How does Unilever plan to expand?
Unilever turned down an offer of £40. I wonder if an offer in the same region would now be attractive?
Before I pass on (and I’m not young) Unilever will be bought out.
Fantastic time to be buying this. One of very few businesses that does well either in or out of recession. The company let’s face it will more than likely be around until the day we all pass! It will never go anywhere. Take advantage of this bargain.
This dogshxt won’t recover till Jope is gone or Warren B comes back with another offer. Another ftse 100 winner haha.