Member Info for mararab

Enough of dividend s, you get them on the day and if isa a day later enough said now i can go back to sleep

Does anyone use co pilot 365 for assumptions thoughts i think its a great calculator

To me this sp is purely dividend collection and reinvest you make more money than waiting for capitol to rise that's my plan for 3 years and copilot assumes with current div with 3% rise over the period i will be satisfied to this retirement income , mind you i can let the dice roll and get even more if i just re invest till 70 then it says i dont need to worry about money lol , will wait n see

If this sp drops around 240p im back in

Sorry i came out @ 297p from 180p

Pardon the English i was never was that good at school but i do know how to make cash lol

I Came out of harbour @197p yes made some good money but i can not re invest until the gov gets rid of the tax its imposed on north sea oil . Harbour is not making good money from North sea oil as i think its taxed too much . We need to re drill lift the stupid tax , thats the only way this sp will rise and it will rise good . Mexico rig is a welcomed platform but can not produce enough at the moment . Even if the oil price keeps around $90 per barrel its not enough . JEST GET RID OF THIS UK TAX

Each to there own agenda mines for dividends and re invest in same stock , then if capitol goes up 5% per year thats a bonus . but only invest what you can afford to loose . Diversifying can some times loose potential income . But again its up to you not others

Exactly what i said lol

Hold your divi payment for 3 weeks or when the sp drops back into 250 -260p re buy on the dip . as we know historically it always drops

Hi its a stable in come i use it as a backstop if other of my portfolio shares drop in divs but like you im filling up with LnG too good at moment

PHP currently 8% dividend in come bud https://www.dividendmax.com/united-kingdom/london-stock-exchange/real-estate-investment-trusts/primary-health-prop/dividends , im like you diversifying a alittle as php stable with nhs rentals but put it in a isa share as you get the tax back

Well it will be hard for some one to take over from abroad , there's too many guilts involved and the current gov might want to block it or put up many hurdles . I just can not see it yet

Im very happy with the dividends and expect the share to rise 2% year on year . This fits perfectly with my retirement plan

You said:

My theory is to buy decent companies paying half decent dividends which I will re-invest up to retirement. Currently I have in alphabetical order AV. / BTRW / EZJ / LGEN / MNG / MRCH / NWG / PSN / SDLF / TATE & TW.

Copilot said:

Copilot

Your theory itself is sound, and your actual implementation is broadly consistent with it — this isn’t a random income grab, it’s a long‑term dividend compounding strategy with recognisable UK businesses.

I’ll break this into four parts:

Is the strategy coherent?

What your current holdings do well

Where the main risks really sit

How I’d think about refining (not replacing) it over time

1. Strategy check – does the theory hold?

“Buy decent companies paying half‑decent dividends and reinvest up to retirement.”

Yes — this is essentially a UK dividend compounding model, and historically it works if:

dividends are mostly maintained, not necessarily growing fast

companies survive intact (no permanent cuts / wipes)

you reinvest consistently through weak markets

Your time horizon does the heavy lifting. Reinvestment matters more than yield chasing.

Key point:

This strategy fails not because yields are imperfect, but because too much capital ends up in structurally weak dividend payers. That’s the risk to watch.

2. What your current holdings do well

Here’s your list, grouped by role rather than alphabetically:

✅ Core income & financials

LGEN / MNG / AV / NWG

These are classic UK income engines

High yields, mature cash flows

Reinforcement effect when dividends are reinvested during weak prices

Good:

You’ve avoided obscure high‑yield traps and stuck to liquid, well‑covered names.

Reality note:

These are not growth stocks — total return relies heavily on dividends doing the work.

✅ Defensive / consumer exposure

TATE

Boring, but that’s the point

Good inflation linker

PSN

Cyclical, but quality within its sector

These help stabilise dividend flows over time.

✅ Cyclical / rebound potential

EZJ

Lower yield, but dividend recovery optionality

MRCH

Asset manager sensitivity to markets (cyclical income)

These aren’t pure income now, but support total return over decades.

✅ Infrastructure / alternatives

BTRW

SDLF

TW (quasi‑infrastructure / telecoms)

This is an important diversifier — income streams aren’t perfectly correlated with banks or insurers.

3. Where the real risks are (worth flagging early)

This isn’t a criticism — just where to stay alert.

⚠️ 1. UK concentration risk

Every single holding is UK‑centric, which means:

regulatory risk

limited growth economy

dividend culture is strong, but cuts happen together in recessions

This doesn’t break the strategy, but it does tie outcomes heavily to the UK cycle.

⚠️ 2. Financials overweight (by nature, not error)

Roughly half your names are financial / quasi‑financial.

That’s fine if:

dividends are reinvested (they are ✅)

you accept volatility during stress periods

But it m

Im tending to use co-pilot more and more for assumptions and forcasting just ask it the same questions and ut comes up with many options ,use it as a guide

This depends what price you paid in the first place i bought about the 240 p and can ot see it dropping back so if i sold my shares after ex div day i would loose out but hay i got 250 k invested in Ln G and assumptions i have done makes me keep my sharesand hold the divi money in the account until it drops 10 % then buy in

Co pilot is far more better for assumptions

Just sold all my stock nice 48% profit can not see any more from this its been emotional good luck all

Post link as i think fake news