Member Info for Svend

Retirement,

Let's recap

⚓ Stock Voyage & Past Seas

Over the past year o’ trading seas, Phoenix Group (PHNX) has sailed swifter than Legal & General (LGEN) — makin’ a tidy +33–35% gain versus LGEN’s steadier +16–18% haul.

💰 Bounty & Booty (Dividends)

Phoenix Group:

Be the fatter purse for income-hungry crew, yieldin’ near 9–10%+.

This bounty’s backed by a hearty £2 billion o’ annual cash, with the helm promising £1.4–1.5 billion a year till 2026.

Legal & General:

Pays a fine 6.7% average yield over a decade, climbin’ now near 8.4%.

Has charted a £5 billion treasure map for shareholders over 3 years—dividends plus share buybacks.

🧭 Strategic Bearings

LGEN:

Commands £1.1 trillion in assets under management — a fleet fit to span the globe.

Hoisting more sails in pension risk transfers (PRT), with £3.4 billion landed in the first half o’ 2025 and a £42 billion bounty sighted on the horizon.

Operating profits up 6% year on year — steady winds in the sails.

PHNX:

Masters the art o’ buyin’ and workin’ legacy pension fleets, turnin’ old timbers into gold.

Cash flows strong, but her hull’s equity has shrunk from £5.8 billion to £2.5 billion — a ship to watch for leaks.

🏴‍☠️ Captain’s Ledger

Measure Phoenix Group (PHNX) Legal & General (LGEN)

Past Year Return Faster ship (+33–35%) Steady vessel (+16–18%)

Dividend Yield Heavy chest (9–10%) Rich purse (6.7–8.4%)

Cash Flow Brimming Strong & steady

Specialty Legacy pension salvage Global PRT & asset giant

Balance Sheet Solvent but slimmer Stable keel

Shareholder Rewards Mostly coin via dividends Coin & share buybacks

🗺 Captain’s Verdict

If ye seek steady streams o’ coin – PHNX be the merchant ship laden with gold, though her planks need watchin’ for wear.

If ye seek long-haul voyages with solid timbers – LGEN offers the bigger fleet, grander horizons, and a plan to fatten yer purse along the way.

Both sail the same choppy life insurance seas, but each is charting a different course to fortune.

Aye, the great galleons o’ Wall Street made port on higher tides this Friday, with the “Magnificent Seven” haulin’ the fattest treasure chests in the rally. The good ship Nasdaq hoisted her colours for a second straight record close, notching her 18th glitterin’ prize o’ the year in the captain’s log.

Enginehere. Glad to hear it, shipmate — the sails are up, the compass is set, and we’ll be cracking on full speed ahead! ⚓️

Ahoy there, shipmate — the spaniels are welcome aboard any time, tails a-waggin’ and ready for the next voyage! As for the hate, I reckon we leave that for the barnacles — let ’em stick to the rocks while we sail on with fair winds, good company, and a hold full of useful charts. Glad the course set back in April 2021 still has your sails full — long may it continue!

Bigjock36 I agree Vistry is back in form, and for Creg to show the way with his recent share purchases says it all GLA 🙌777 incoming and beyond..

TimSmith, MTL does have the allure of buried treasure on paper — a producing gold asset in the Philippines with improving debt metrics — but the map is inked with a few warning signs. Operationally, they’ve moved from deep distress into positive cash flow, yet geopolitical, jurisdictional, and commodity price risks remain high. At ~13.9p, you’re essentially paying for the prospect of sustained output and further debt reduction, but without much of a margin for missteps. If you’re looking for steady trade winds, there are calmer seas; if you’ve the appetite for a high-risk/high-reward voyage, this ship could still have gold in its hold — but keep your escape boat ready. IMOO DYOR GLA

The fresh treasure mark on today’s chart be 1,136 doubloons and eight coppers, set by the council o’ sixteen map-making analysts. She’s climbin’ ever higher in the skies, as each new scroll of upgraded reckonin’ lands on the desks o’ the grand investment galleons.

Peakdread,

If you are considering an alternative to HL, take a look at Saxo Bank. They are currently offering a £500 opening bonus, and the SaxoTraderGO platform is simply outstanding. Use this referral link https://refer.saxo/UXYCE and you are good to go! 🚀🙌IV

As told by Old Sea-Dog Buffett himself:

1. Find a Ship Worth Stealin' (aka: A Wonderful Business)

2. Nab it When the Price Be a Steal (aka: An Attractive Price)

🏴‍☠️ What Be a “Wonderful Business,” Ye Ask?

Arrr, it be a vessel that sails smooth and strong through stormy seas — an industry ye know like the back o’ yer hook-hand.

She’s got a thick hull o’ durable competitive advantage, like cannons no rival can match.

And she’s crewed by an honest, battle-hardened captain and mates who care for the ship like their own booty. No scallywags or plunder-happy fools aboard.

🪙 What Be an “Attractive Price”?

Ye find this mighty ship sittin’ in port, sellin’ for half her weight in doubloons. A $10 prize offered up for $5 — mad, ye say? Nay.

Buy her up, and ye’ve locked in profit as surely as the tide rolls in.

The only mystery is when ye’ll cash the loot — but rest assured, ye will.

This be the only sure map to fortune I’ve ever laid eyes upon.

Keep buyin’ $10 treasures for $5, over and over — and soon ye’ll be sailin’ a gold-plated galleon.

⚓ But Heed This, Matey:

Ye can’t just grab any ol’ dinghy floatin’ by and call it treasure.

Ye must first ask yerself, with eyes sharp and spyglass steady:

Be this a Wonderful Business?

Be she On Sale?

If ye can shout “Aye!” to both without crossin' yer fingers — weigh anchor!

But mark me words:

Many siren-ships will try to lure ye in — businesses ye can’t understand, captains ye can’t trust, and maps ye haven’t time to study properly.

Don’t be a fool chasin’ fog. Stick to ports ye know, with ships ye’d trust yer life to.

Stay sharp, don’t rush, and may yer doubloons multiply faster than a kraken’s tentacles at feeding time. 🦑💰

Now get back to scannin’ them charts, ye savvy investor of the seven spreadsheets.

🏴‍☠️ Mr Marker says:

“Speak not of what should happen, ye landlubber! Markets don’t care for yer feelings or forecasts. I sail on tides of price and wind of sentiment — not the maps in yer head. Trade the seas as they be, or be tossed overboard!”

— Captain Marker, Lord of the SP500 Seas

The target price is now 1117.80 based on the combined estimates of 16 analysts covering the company.

100% Rycey is going to the moon 🚀🙌IV

Greg sees half a million reasons to get on board VTY, when he opened his wallet this am and ahead of the HYR on 4th September.

Yes, a resounding 1/2 a million reasons to get loaded up. Well done, Greg, doing all the talking with his wallet 😉🙌777

Giantsquid agrees 100%. It might be a sign that prices have now bounced off the bottom, and this was perhaps the last chance to get in below $600. Let's now aim to move back above the 200 daily SMA and the IKH clouds, along with cut(s) in interest rates. Additionally, there's an outside chance that the dividend is being reintroduced, which could see the SP sprinting and trying to compete with the big players over at Rolls-Royce. (In terms of a turbocharged acceleration of SP appreciation, maybe once the shorts get squeezed.) Near-term overhang supply suggests the next incoming destination 750 😉🙌777

I ordered you to walk the plank already; the sharks are waiting for their fodder. Now move along swiftly, please

ShareFlyer,

Your comment might seem clever, but it masks a deeper misunderstanding of how insight, community, and identity function in modern financial discourse.

First, the notion that adopting a light tone—be it humour, metaphor, or persona—disqualifies someone from offering value is both shallow and reductive. Expertise is not defined by formality alone. Some of the most profitable ideas in investing history came from those who spoke, told stories, or broke the mould to reach wider audiences.

Second, your implication that anyone deviating from your definition of “professionalism” is untrustworthy reeks of arrogance. A pirate hat or a cat avatar doesn’t negate decades of research, lived experience, or market savvy. Dismissing contributors based on style rather than substance is intellectually lazy.

Finally, you're right that one must do their research—but that includes being able to separate ego from analysis, and learning to recognise value even when it doesn't come packaged in a suit and tie.

Food for thought indeed. Choose your targets more wisely next time.

Trello agrees 100% currently; the consensus target price, based on combined estimates of 16 analysts covering the company, is at 1086.92, which is where we are now (give or take the odd slippage) 😉

*%

Jshute323

''Does anyone think we are going to get some news about what’s actually happening with regards moving to production?''

They have just raised $10M worth of capital to do just that. What part of that is not 100 clear & self-evident!