Friday, 1 January 2016

Dividends Uncovered?

Enough cover?
'Dividend cover' is one of the key ratios that income investors should be looking at, as it is a measure of how affordable the dividend payments are for a company. However, like most things in investing, it pays to do a little more research into the underlying situation - and the level of commitment of the company management to income-oriented investors.

Saturday, 12 December 2015

DIY vs Funds - The Costs


As a Do-It-Yourself Investor, I always believed costs would always be lower than going to the professional wealth managers - the 'men-in-suits'.

Recently I came across a study that tried to calculate how big the savings of DIY Investing might be - and the results are quite shocking....

Thursday, 10 December 2015

In For A Penny (Portfolio Buy)

I won't try to deny it - 2015 has not been a good one for the DIY Income Investor portfolio, which is currently down about 6% since January.

However, one thing I have learned about investing is that sometimes there are bad years. So, while I'm ready to modify my investment approach, I'm not going to panic. I'm going to carry on using high yield as an indicator of potential value (as well as income). And the latest purchase is about as high a yield as you can find.

Monday, 23 November 2015

Portfolio Page Updated!

Finally - thanks to an anonymous reader for pointing out how out-of-date it had become!

I am not a financial adviser and the information provided does not constitute financial advice. You should always do your own research on top of what you learn here to ensure that it's right for your specific circumstances.

Wednesday, 11 November 2015

Healthy Shares? (Portfolio Buy)

Concordia is focused on legacy pharmaceutical products, orphan drugs and medical devices for diabetes.

As a DIY Income Investor, I am interested in shares that pay a nice dividend. These 'high' yielders will (hopefully) give my cash a home that will provide a nice cash flow and minimise the risk of losing capital. And even better, I like it if the company management is explicit about its commitment to maintaining - and increasing - the dividend.

Unfortunately, you don't find a lot of that about - but such opportunities do exist...

Thursday, 29 October 2015

Final Destination


Every now and then you need to take a step back and look at the big picture. Of course, this applies to everything in life, not just investing - but if you have a family, how you manage your money in the longer term does cover a lot of other considerations.

We all need to think carefully about why we are nvesting and what our objectives are. Here's how mine developed.

Saturday, 24 October 2015

When It's Time to Sell (Portfolio Sale)

Is It Time to Sell Your Website, 4 Tips To Make A Good Sale
October 2015 has been quite volatile so far. The beginning of the month saw a rapid recovery in the value of the DIY Income Investor portfolio, but it was followed quickly by more jitters, Currently the portfolio is showing a 3.3% gain over the first three weeks of the month but it is still showing a slight loss on 2015 as a whole. It's probably mainly due to China.

But there has been an interesting development in the portfolio - resulting in a sale.

Wednesday, 7 October 2015

Sell Grafenia! (Portfolio Sale)

What well-informed readers this blog has! No sooner had I bought Grafenia in February 2015 than 'Anonymous' piped up to tell me it was a mistake.

Today saw a 25% drop in the share price - and he told me (I'm assuming it is a he, and one-and-the-same) that I could get out 'clean', taking into account the dividends (follow the link above to see the comments). He was and is right. I'm out.

But what lessons are there here?

Getting the Best Rate at Ratesetter

If you haven't looked at the peer-to-peer lender RateSetter yet, you might be missing a great way to hold cash. I'm not the only one to say so: as their web site proudly claims, it was voted best peer-to-peer lender by Which? readers.

I have recently introduced my son to this way of investing cash. It took a bit of explaining but he's got it now. And we both recently lent our cash out at a rate of 6.3%. Here's how to get the best rates.

Thursday, 24 September 2015

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The DIY Income Investor