Member Info for longtimeinvestor

G13B

''If I could get 5% annual capital growth and a 5% dividend in Uk stocks, I’d hang around but it’s not available right now.''

Lloyds is currently on about a 6% 2023 dividend yield and should increase after that.

If there is an annual reduction of 5% of shares on the market with the continuation of buyback programmes, then that should eventually show up with an increased per share valuation,provided of course that the Lloyds business does not deteriorate in the future - this alone would contribute to an average 5% annual share price increase ). It would be disappointing not to have received an average of about 7.5- 8% dividend yield over the next 5 years based on the current price, and the price per share not to have increased by a minimum 30%. I would have thought that a 30% increase from here is a possibility at some time in 2024 let alone 5 years time .

A123

''All of this was possible before''

utter nonsense of course.

The EU superstate would do trade deals which members would be a part of. Individual members would not have an only bilateral deal for example between Spain and India. The UK will have a trade deal with India that the UK will be content with.

G13b

''and it has enhanced their share price.''

sure has - I sold out of Apple 7 years ago (couldn't be bothered any longer with regular paperwork that needed doing investing in US stocks)- made a great deal on it after investing at a very early stage. Apple has probably gone up a further 4 or 5 fold since I sold.

''If the money had been spent on dividends, it would have still left the business.''

yes, a large lump sum to be paid out on a specific day,reflected by the market at XD, unlike a small daily drip outflow from a share a repurchase programme which has no net daily impact by itself reflected by the market.

LS

''When a company removes shares in issue through a buyback, its market value goes down''

Nonsense - the market determines the value on a daily basis - up or down.

Lloyds make more profits per day than is spent on buybacks per day.

GB

yet another one-sided statement for your narrative on this board.

There has been record amounts of start ups since 2020.

It is always the case that a good percentage of start ups do not last longer than a 1-5 year period.

Record amounts of start ups equals a record amount of failures.

I made my first purchase only a year ago followed by several more.

The current price is slightly above my average price . I bought this primarily as a high return (yield of about 9% for me) tax free monthly income generator within an isa.

Any increase in capital value on paper is just a bonus. I would certainly not be thinking about cashing in on a capital increase whilst the market price is still giving a very high percentage income return.

S123

well i hope that you will be able to one day sell Lloyds at a price that is satisfactory to you.

In the meantime I personally wouldn't mind seeing these price levels for a number of years providing that profitability of Lloyds is maintained.

Dt

I am about 10% cash - that is more than enough

Dt

what argument would that be? . You clearly have a bad track record when it comes to predictions - that fact needs stating.

Dt

''i'm ALL cash atm''

are you in the category of those with excess cash that would not have been spent in any case but now getting very good returns locked away for a year or two or the category of wanting access to the cash in order to spend if need be ?

Dt

'and you are one of them ''

what has you being one that wants no risk, got to do with you thinking that someone had given you advise on handling your affairs?

Dt

''how I chose to handle my affairs really has nothing to to do with''

who has been advising you on what to do with your money - i must have missed it?

Personally I would not be giving investment advise to anyone, but don't mind posting my own investment.

Those in the population who just keep cash that is in excess on their needs, will now be getting a better return on that cash that they would not have spent in any case, because for those individuals they are not suffering a so called 'cost of living' crisis

Dt

''Not everyone find stocks attractive, some find it carry's too much risk''

and you are one of them - what has that got to do with dividends on shares being available to spend to those who have shares.

Most people who have cash would want to have access to that cash readily available. due to the so called 'cost of living' crisis

S123

I not sure that investing in the stock market is for you.

Higher cash returns equals more money available to spend

Increasing dividends (Lloyds up 15%) equals more money available to spend

Dt

''If joe public starts to put more and more into savings for an attractive fix term /rate then they are not spending, right''

and there are people saying that there is a cost of living crisis, where people are spending every penny they have.

Are people investing in stocks rather than keeping cash spending? - no difference.

People are allowed to spend returns gained on cash/share dividends

Dt

you said that Lloyds would not be in existence now - it is impossible for you to have been more wrong isn't it.

Dt

when was the UK severe recession supposed to have started , 12-18 months ago ?