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Usual weekend update
I started this fantasy portfolio in 2016 to challenge various poster's perception that Lloy is 'the worst share ever', 'better else where' or a 'dire share',
On the 8th Oct 2016 I invited WL/Newchurch to choose an alternative ftse 100 company, so I could run a comparison

On 8th Oct 2016 - 1000 quid bought 206 BP. shares & 1905 Lloy shares
Today's value
BP. 206 @ 392 = 808
Lloy 1905 @ 49 = 934

In April 2017 Invest4life suggested I add Glencore -
On 22-4-17 - 1000 quid bought 335 Glen shares & 1553 Lloy shares
Today's value
Glen 335 @ 506 = 1695
Lloy 1553 @ 49 = 761

In July 2017 Nucky suggested I add RBS/Natwest -
On 12-7-17 1000 quid bought 384 Nwg & 1512 Lloy
Today's value
NWG 384 @ 221 = 849
Lloy 1512 @ 49 = 741

In July 2017 Utrickytrees asked that I add BARC -
On 30-7-17 1000 quid bought 479 Barc & 1504 Lloy
Today's value
Barc 479 @ 167 = 800
Lloy 1504 @ 49 = 737

In Sept 2018 Motley Fool recommended Diageo over Lloyds
On 9-9-18 1000 quid bought 37.3 DGE & 1704 Lloy
DGE 37.3 @ 3817 = £1424
Lloy 1704 @ 49 = £835

In April 2020 Theosus asked that I add Circassia -
On 14-4-20 £1000 bought 3891 CIR & 3058 Lloy
CIR 3891 @ 38.5 = £1498
Lloy 3058 @ 49 = £1498

In April 2020 TheBoard asked that I add RollsRoyce -
On 25-4-20 £1000 bought 322 RR. & 3367 Lloy
Today's value
RR. post 10for3RI 1073 @ 110 = £1180
Lloy 3367 @ 49 = £1650

This week's observation - Mixed week for fantasy stocks 1 month into Russia/Ukraine hostile takeover, Sunak delivers Spring statement, Covid Infections, hospital cases, & death rates on the rise again, Lloy £2bn buyback program continues at pace.

A very basic comparison that does not include divi yield, IMO those still suggesting Lloy is 'the worst share ever' or a 'dire share' seriously need to examine their concept of investing.

Real deal
30-3-20 I bought 15,000 Lloy @ 33.606 = £5040
Current value -
Lloy 15000 @ 49.1 = £7350 = +46% over ~24 months

2nd real deal
4-3-22 I bought 8,500 Lloy @ 44 = £3740
Current value -
Lloy 8500 @ 49.1 = £4174 = +11.6% over ~2wks

A1

Is this the same 'Secret Plan' that was launched alongside YE results lol
Silly Emma Dunkley - financial sensationalist

9 of 29
Classification: Public
Moving to our mass affluent opportunity on slide 32. The mass affluent market in the UK is growing at close to 10 per cent per annum and there is a clear gap in the market for a digital-first, integrated offering combining a full set of banking, insurance and investment products.
We already have the largest mass-affluent customer base in the UK. However, they are meeting a number of their banking and investment needs elsewhere. This presents a material opportunity which Lloyds is uniquely placed to capture.
In order to ensure the right choices for customers, a provider must also be able to support them in the accumulation and de-accumulation stage of their lives by joining-up services across banking, housing, pensions and investments.
Tech-led competitors only offer solutions for a small set of customer needs, whilst banks operate a higher-touch model geared towards more affluent and wealthy customers, similar to our Schroders Personal Wealth and Cazenove’s offerings.
We intend to focus on this gap in the market, which is the broader pool of mass affluent customers with income or wealth above £75,000, with a scale digital wealth offering and integrated banking solution.
On the next slide, I’ll provide an overview of our priorities in this space. For our new mass affluent offering, we will combine a more tailored banking proposition with investments, protection and advice, leveraging the Embark platform. Whilst we will offer a premium service model across channels, we will be digital-first, consistent with customer preferences.
I believe value in this space is skewed heavily towards banking products such as savings, housing, lending and payments. This plays to our current strengths and will allow us to quickly set-up the initial proposition, which we will further refine over time.
We will bring to bear our personalisation capabilities developed in the consumer segment to meet customers’ banking needs through tailored products such as higher-value mortgages and lending solutions. In addition, customers would be able to meet their daily transaction and payments needs through a convenient and easy-to-use digital interface

https://www.lloydsbankinggroup.com/assets/pdfs/investors/financial-performance/lloyds-banking-group-plc/2021/q4/2021-lbg-fy-results-strategy-presentation-transcript.pdf

Usual weekend update
I started this fantasy portfolio in 2016 to challenge various poster's perception that Lloy is 'the worst share ever', 'better else where' or a 'dire share',
On the 8th Oct 2016 I invited WL/Newchurch to choose an alternative ftse 100 company, so I could run a comparison

On 8th Oct 2016 - 1000 quid bought 206 BP. shares & 1905 Lloy shares
Today's value
BP. 206 @ 360 = 742
Lloy 1905 @ 49 = 934

In April 2017 Invest4life suggested I add Glencore -
On 22-4-17 - 1000 quid bought 335 Glen shares & 1553 Lloy shares
Today's value
Glen 335 @ 479 = 1605
Lloy 1553 @ 49 = 761

In July 2017 Nucky suggested I add RBS/Natwest -
On 12-7-17 1000 quid bought 384 Nwg & 1512 Lloy
Today's value
NWG 384 @ 214 = 822
Lloy 1512 @ 49 = 741

In July 2017 Utrickytrees asked that I add BARC -
On 30-7-17 1000 quid bought 479 Barc & 1504 Lloy
Today's value
Barc 479 @ 171 = 819
Lloy 1504 @ 49 = 737

In Sept 2018 Motley Fool recommended Diageo over Lloyds
On 9-9-18 1000 quid bought 37.3 DGE & 1704 Lloy
DGE 37.3 @ 3740 = £1395
Lloy 1704 @ 49 = £835

In April 2020 Theosus asked that I add Circassia -
On 14-4-20 £1000 bought 3891 CIR & 3058 Lloy
CIR 3891 @ 40.3 = £1568
Lloy 3058 @ 49 = £1498

In April 2020 TheBoard asked that I add RollsRoyce -
On 25-4-20 £1000 bought 322 RR. & 3367 Lloy
Today's value
RR. post 10for3RI 1073 @ 93.2 = £1000
Lloy 3367 @ 49 = £1650

This week's observation - All fantasy stocks up as markets adjust to Russia/Ukraine hostile takeover, Possible Russia/Ukraine deal next week? Covid Infections, hospital cases, & death rates on the rise again, Lloy £2bn buyback program continues at pace.

A very basic comparison that does not include divi yield, IMO those still suggesting Lloy is 'the worst share ever' or a 'dire share' seriously need to examine their concept of investing.

Real deal
30-3-20 I bought 15,000 Lloy @ 33.606 = £5040
Current value -
Lloy 15000 @ 49.1 = £7350 = +46% over ~24 months

2nd real deal
4-3-22 I bought 8,500 Lloy @ 44 = £3740
Current value -
Lloy 8500 @ 49.1 = £4174 = +11.6% over ~2wks

A1

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