Member Info for goldenshares

Back from Hunstanton,good weather a touch of sunburn and a great meal at the end at Marstons opposite 1Tesco.

If they get bought out then final price I guess,cant see anyone complaining!

Come on Murray!

Arts the subject he wants to pursue and possibly be a teacher after a degree be it at Oxford,Manchester or wherever his grades take him. I was really impressed with Oxford,so much less crowded than Cambridge(where my brother went) and probably better pubs lol(54 on the poster in the art shop).The Swan and Castle can be recommended,I had an excellent gammon steak meal with a pint for just 8 quid,top weatherspoons value!

Off to Oxford on family trip,eldest sons first choice for uni next year,tempus fugit.

Current yield is shown as running yield of 10.263%,Im guessing that you can sell directly back to hl at the sell rate and their profit is the margin between buy and sell rate,like you say lloyds can buy back at any time by the looks of it.

Ive been looking at bonds this morning out of curiosity, http://www.hl.co.uk/shares/shares-search-results/l/lloyds-tsb-bank-10.75-2021-notes Do these look like a safe return?

Under my old email login goldenshares.

Not really I was saying the same thing about aviva back in 2011 on lse board at 270p,again I was all in with sipp and 3 years later it had doubled.

http://app.ftadviser.com/2016/08/10/pensions/db-schemes-refusal-to-sell-gilts-to-boe-likely-to-continue-LBzkwfUNBxXCjptDaTrhTL/article.html

Yields are getting hard to find the government wants to purchase 60 billion in bonds and the db schemes dont want to sell,I can see the price of lgen doubling as demand for yield bearing assets will far outstrip the supply.

I wouldnt be going all in with sipp if it wasnt a good hand.

Revenues from companies derisking from defined benefit schemes to money purchase schemes is huge, its a 10000 billion pound (uk us combined)market thats switching over.That combined with the forecast revenues of the lifetime mortgage deal with the global entity of santander makes this a total winner in my book which is why this is my long term coca cola equivalent of the buffett investment!

The share has risen sharply over the past few weeks and profit taking has taken place.Its never going to go up in a perfect straight line.

Forbid (rightly so)posting information such as email details etc

Her article includes a twitter link ,which I would have thought was aimed at polite discussion,feedback and debate over her media work.

It feels like we are investing in horse trainer that has just had 9 winners and one loser and city am are focussing on the one losing horse which could so easily show a marked improvement next year.Todays a buying opportunity in my honest opinion.

In my opinion this article is the best summary break down and well worth reading http://www.hl.co.uk/shares/shares-search-results/l/legal-and-general-group-plc-ord-2.5p-shares/share-research

International expansion should open up further opportunities for the group. Last October, L&G signed its first bulk annuity contract in the US. The US defined benefit market is four times larger than the UK, and demand for de-risking solutions is growing rapidly. The deal gives L&G an important foothold in this market, and the opportunity to build its market share.”

Nicholas Hyett, Equity Analyst at Hargreaves Lansdown, added: "Demand for L&G's bulk annuity schemes and liability-driven investment products should remain strong, as more companies seek to de-risk their defined benefit pension schemes. The UK DB market alone is worth an estimated £2,000 billion. "The new equity release product is proving very successful as people increasingly turn to housing value to supplement retirement income. "L&G serves markets with a lot of inherent growth potential. They have a 20% share of the auto-enrolment pensions market, and by 2018 the vast majority of employees will have to have been signed up by law. Contributions from its auto-enrolment pension scheme members should rise strongly over the next few years. It has plenty of scope to sign up new schemes too, with the number of people auto-enrolled expected to treble by 2030.