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Savings and Investments thread
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clb74 said:LargeAddick said:Question - am I right in saying that as a basic rate tax payer with the ‘normal’ tax free allowance of £12,570 that I am allowed to earn a further £1,000 per tax year in interest without having to pay tax on it?3
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PragueAddick said:bobmunro said:eOver 10 years it tells some story!CAC 40 +83%DAX 40 +81%DJ +143%NASDAQ +270%FTSE 100 +17%I suppose it might be a reflection of the odd makeup of the FTSE100 over this period, heavy on old energy and light on tech. Curious how those closer to markets explain it.
(Note that DAX is a total return index already, the CAC40 and FTSE 100 aren't. So there is a CAC Dividend index and a FTSE Total Return Index. The DJ is peculiar, in that it is price weighted, so not comparable at all.
I was drinking with an ex-asset manager over the weekend and he says he is sticking with FTSE 250 as he can't understand at all why it is so undervalued and thinks that at some point it will wake up. However, the ludicrous LDI rules introduced after the financial crisis aren't helping, helping to drive UK pension fund holdings in UK stocks down to 3% right now.0 -
PragueAddick said:redman said:IdleHans said:Do these figures refelect dividends?0
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redman said:PragueAddick said:redman said:IdleHans said:Do these figures refelect dividends?0
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PragueAddick said:redman said:PragueAddick said:redman said:IdleHans said:Do these figures refelect dividends?
On Vanguard they show me capital change and also dividends received if income fund, if accumulation fund that's dealt with in the price per unit.
So for instance my FTSE100 tracker has gone from paid in of £79k to current value of £86k (with another £4.4k taken as profit) and dividends/income of just under £6k (since June 2022).
So overall my £79k has returned nearly £17.5k (22%)1 -
The yield on a typical UK equity fund is around 2% so nothing to write home about. On an UK Equity Income fund it's just over 3%.
The UK has always been a bigger dividend payer with many US & European funds paying less than 1% yield. Back in the 80's & 90's Japanese Companies didn't pay dividends but instead ploughed their profits back into the Company by way of "Research & Development".....hence why the big tech firms that sprung out of Japan were much more innovative than UK ones (think Toshiba v Amstrad)1 -
Rob7Lee said:PragueAddick said:redman said:PragueAddick said:redman said:IdleHans said:Do these figures refelect dividends?
On Vanguard they show me capital change and also dividends received if income fund, if accumulation fund that's dealt with in the price per unit.
So for instance my FTSE100 tracker has gone from paid in of £79k to current value of £86k (with another £4.4k taken as profit) and dividends/income of just under £6k (since June 2022).
So overall my £79k has returned nearly £17.5k (22%)There was an article in the FT a few days ago keyed up as H-L the dinosaur facing threats from more nimble rivals. But when I read it, and reader comments, none of these rivals stood out as a choice worth moving to.Never was so much money taken by so many, for so little added value.0 -
PragueAddick said:Rob7Lee said:PragueAddick said:redman said:PragueAddick said:redman said:IdleHans said:Do these figures refelect dividends?
On Vanguard they show me capital change and also dividends received if income fund, if accumulation fund that's dealt with in the price per unit.
So for instance my FTSE100 tracker has gone from paid in of £79k to current value of £86k (with another £4.4k taken as profit) and dividends/income of just under £6k (since June 2022).
So overall my £79k has returned nearly £17.5k (22%)There was an article in the FT a few days ago keyed up as H-L the dinosaur facing threats from more nimble rivals. But when I read it, and reader comments, none of these rivals stood out as a choice worth moving to.Never was so much money taken by so many, for so little added value.
On Vanguard income funds they show you Capital return and Gross return, the difference being Gross includes income/dividends. Obv on accumulation it's just the unit price.
As an aside, whilst not earth shattering, Fidelity now pay 3.65% on cash in your SIPP.1 -
Rob7Lee said:PragueAddick said:Rob7Lee said:PragueAddick said:redman said:PragueAddick said:redman said:IdleHans said:Do these figures refelect dividends?
On Vanguard they show me capital change and also dividends received if income fund, if accumulation fund that's dealt with in the price per unit.
So for instance my FTSE100 tracker has gone from paid in of £79k to current value of £86k (with another £4.4k taken as profit) and dividends/income of just under £6k (since June 2022).
So overall my £79k has returned nearly £17.5k (22%)There was an article in the FT a few days ago keyed up as H-L the dinosaur facing threats from more nimble rivals. But when I read it, and reader comments, none of these rivals stood out as a choice worth moving to.Never was so much money taken by so many, for so little added value.
On Vanguard income funds they show you Capital return and Gross return, the difference being Gross includes income/dividends. Obv on accumulation it's just the unit price.
As an aside, whilst not earth shattering, Fidelity now pay 3.65% on cash in your SIPP.
I haven't drilled down on individual holdings as I also subscribe to ShareScope and that gives me all the returns data I need and has my portfolio history going back to 2005. But when I just searched for new columns on the word 'return' IB gave me 9 options, including several measures of risk adjusted returns.
For P&L, I can track total returns in absolute and percentage, realised and unrealised P&L, etc. Theoretically, I could set things up to dump my subscription to share scope altogether (but would lose all that history).
Under the covers, HL have developed their channels independently and are still reliant on an old mainframe system. They have big plans to fix that (and I'm hoping to help them) but it can't be fixed overnight. They've had at least one failed attempt to replace that mainframe and have recently just fired their CIO ....
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Rob7Lee said:PragueAddick said:Rob7Lee said:PragueAddick said:redman said:PragueAddick said:redman said:IdleHans said:Do these figures refelect dividends?
On Vanguard they show me capital change and also dividends received if income fund, if accumulation fund that's dealt with in the price per unit.
So for instance my FTSE100 tracker has gone from paid in of £79k to current value of £86k (with another £4.4k taken as profit) and dividends/income of just under £6k (since June 2022).
So overall my £79k has returned nearly £17.5k (22%)There was an article in the FT a few days ago keyed up as H-L the dinosaur facing threats from more nimble rivals. But when I read it, and reader comments, none of these rivals stood out as a choice worth moving to.Never was so much money taken by so many, for so little added value.
On Vanguard income funds they show you Capital return and Gross return, the difference being Gross includes income/dividends. Obv on accumulation it's just the unit price.
As an aside, whilst not earth shattering, Fidelity now pay 3.65% on cash in your SIPP.0 - Sponsored links:
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golfaddick said:The yield on a typical UK equity fund is around 2% so nothing to write home about. On an UK Equity Income fund it's just over 3%.
The UK has always been a bigger dividend payer with many US & European funds paying less than 1% yield. Back in the 80's & 90's Japanese Companies didn't pay dividends but instead ploughed their profits back into the Company by way of "Research & Development".....hence why the big tech firms that sprung out of Japan were much more innovative than UK ones (think Toshiba v Amstrad)0 -
WishIdStayedinthePub said:Rob7Lee said:PragueAddick said:Rob7Lee said:PragueAddick said:redman said:PragueAddick said:redman said:IdleHans said:Do these figures refelect dividends?
On Vanguard they show me capital change and also dividends received if income fund, if accumulation fund that's dealt with in the price per unit.
So for instance my FTSE100 tracker has gone from paid in of £79k to current value of £86k (with another £4.4k taken as profit) and dividends/income of just under £6k (since June 2022).
So overall my £79k has returned nearly £17.5k (22%)There was an article in the FT a few days ago keyed up as H-L the dinosaur facing threats from more nimble rivals. But when I read it, and reader comments, none of these rivals stood out as a choice worth moving to.Never was so much money taken by so many, for so little added value.
On Vanguard income funds they show you Capital return and Gross return, the difference being Gross includes income/dividends. Obv on accumulation it's just the unit price.
As an aside, whilst not earth shattering, Fidelity now pay 3.65% on cash in your SIPP.
I haven't drilled down on individual holdings as I also subscribe to ShareScope and that gives me all the returns data I need and has my portfolio history going back to 2005. But when I just searched for new columns on the word 'return' IB gave me 9 options, including several measures of risk adjusted returns.
For P&L, I can track total returns in absolute and percentage, realised and unrealised P&L, etc. Theoretically, I could set things up to dump my subscription to share scope altogether (but would lose all that history).
Under the covers, HL have developed their channels independently and are still reliant on an old mainframe system. They have big plans to fix that (and I'm hoping to help them) but it can't be fixed overnight. They've had at least one failed attempt to replace that mainframe and have recently just fired their CIO ....
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@PragueAddick still holding direct line? No need to thank me 😂😉0
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Rob7Lee said:@PragueAddick still holding direct line? No need to thank me 😂😉
See, I really do care about income...😉0 -
£2.04 today 🙈 that’d be 10%+ income 😂0
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Rob7Lee said:£2.04 today 🙈 that’d be 10%+ income 😂
L&G gives me 7% every year…
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PragueAddick said:Rob7Lee said:£2.04 today 🙈 that’d be 10%+ income 😂
L&G gives me 7% every year…
agree though on L&G divi’s - an old employer of mine, very good company.0 -
Been a regular user and advocate of the Chase Debit card with its 1% cashback up to £15 a month as long as you pay in £500 a month. Just had the email to say from April have to pay in £1500 a month to qualify...that seems to be quite a hike! Might have to look around for other offers - altough Martin Lewis suggests pay in the £1500 and set-up a S/O to transfer £1,000 back the next day!2
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CafcWest said:Been a regular user and advocate of the Chase Debit card with its 1% cashback up to £15 a month as long as you pay in £500 a month. Just had the email to say from April have to pay in £1500 a month to qualify...that seems to be quite a hike! Might have to look around for other offers - altough Martin Lewis suggests pay in the £1500 and set-up a S/O to transfer £1,000 back the next day!0
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Good to see those con merchants and thieves at St James Place are getting a good kicking. I turned down their very kind offer to employ me due to their inability (unwillingness) to answer a simple question: what is the return on your funds, AFTER fees and how do they rank?
Really, really wanted to short them after that but needed deep pockets and patience. I understand they have the entire ambulance chasing PPI crowd on their back now.3 - Sponsored links:
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WishIdStayedinthePub said:Good to see those con merchants and thieves at St James Place are getting a good kicking. I turned down their very kind offer to employ me due to their inability (unwillingness) to answer a simple question: what is the return on your funds, AFTER fees and how do they rank?
Really, really wanted to short them after that but needed deep pockets and patience. I understand they have the entire ambulance chasing PPI crowd on their back now.
Just caught up on this properly and you're right this sounds like a huge claim industry slam dunk.2 -
WishIdStayedinthePub said:Good to see those con merchants and thieves at St James Place are getting a good kicking. I turned down their very kind offer to employ me due to their inability (unwillingness) to answer a simple question: what is the return on your funds, AFTER fees and how do they rank?
Really, really wanted to short them after that but needed deep pockets and patience. I understand they have the entire ambulance chasing PPI crowd on their back now.2 -
CafcWest said:Been a regular user and advocate of the Chase Debit card with its 1% cashback up to £15 a month as long as you pay in £500 a month. Just had the email to say from April have to pay in £1500 a month to qualify...that seems to be quite a hike! Might have to look around for other offers - altough Martin Lewis suggests pay in the £1500 and set-up a S/O to transfer £1,000 back the next day!0
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WishIdStayedinthePub said:Good to see those con merchants and thieves at St James Place are getting a good kicking. I turned down their very kind offer to employ me due to their inability (unwillingness) to answer a simple question: what is the return on your funds, AFTER fees and how do they rank?
Really, really wanted to short them after that but needed deep pockets and patience. I understand they have the entire ambulance chasing PPI crowd on their back now.2 -
Covered End said:WishIdStayedinthePub said:Good to see those con merchants and thieves at St James Place are getting a good kicking. I turned down their very kind offer to employ me due to their inability (unwillingness) to answer a simple question: what is the return on your funds, AFTER fees and how do they rank?
Really, really wanted to short them after that but needed deep pockets and patience. I understand they have the entire ambulance chasing PPI crowd on their back now.5 -
CafcWest said:Been a regular user and advocate of the Chase Debit card with its 1% cashback up to £15 a month as long as you pay in £500 a month. Just had the email to say from April have to pay in £1500 a month to qualify...that seems to be quite a hike! Might have to look around for other offers - altough Martin Lewis suggests pay in the £1500 and set-up a S/O to transfer £1,000 back the next day!0
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LonelyNorthernAddick said:CafcWest said:Been a regular user and advocate of the Chase Debit card with its 1% cashback up to £15 a month as long as you pay in £500 a month. Just had the email to say from April have to pay in £1500 a month to qualify...that seems to be quite a hike! Might have to look around for other offers - altough Martin Lewis suggests pay in the £1500 and set-up a S/O to transfer £1,000 back the next day!0
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Just been reading about SJP. I moved from them as the returns were poor and paid the exit fee as I had no choice.
will I be able to claim on them for this or is it just for those paying for advice that they don’t get?Any pointers greatly appreciated0 -
MStuartPerm said:Just been reading about SJP. I moved from them as the returns were poor and paid the exit fee as I had no choice.
will I be able to claim on them for this or is it just for those paying for advice that they don’t get?Any pointers greatly appreciated0 -
Rob7Lee said:MStuartPerm said:Just been reading about SJP. I moved from them as the returns were poor and paid the exit fee as I had no choice.
will I be able to claim on them for this or is it just for those paying for advice that they don’t get?Any pointers greatly appreciatedWill keep an eye on it.
the good news is my new investments regained the costs pretty quickly and I made the right decision to move from SJP1