Wednesday, 21 February 2018

Dealing With Down Markets (Portfolio Buy)


 "Prices can go down as well as up" - the standard disclaimer for investors in securities. It's all fun while prices are rising...but sobering when markets are heading southwards.

After a pleasing Santa Rally in December, January and February have been horror stories, with a worldwide pull-back in share prices. The DIY Income Investor portfolio is back to the value it was a year ago.

How to deal with this kind of knock-back?

Monday, 15 January 2018

High Yields in London


For DIY Income Investors able to access it, Shares magazine has an interesting article on investing for income: 'Give yourself an income boost with stocks and funds yielding more than 5%'

Of course, yield is not everything and the article goes on to discuss some of the pitfalls and problems associated with high yield investing.

Wednesday, 10 January 2018

In Search Of Utility (Portfolio Buy)

Image courtesy of David Castillo Dominici at
Economists use the term 'utility' to explain behaviour - essentially it relates to the benefit you gain from buying or selling something. People are simply expected to 'maximise their utility' - in other words, do things that make them feel better off.

That basic principle works pretty well - but when it comes to investing, the new discipline of behavioural economics has found that it is all a lot more complicated.

Tuesday, 9 January 2018

Goodbye 2017

Funny happy new year 2018 wishes

Happy New Year to all DIY investors!

The DIY Income Investor portfolio has done OK during 2017 - but a number of poor investment choices held back the overall total return.

So - how to make better choices in the New Year?

Thursday, 7 December 2017

Choosing a Broker

Running a DIY portfolio is tough. You have no-one to blame but yourself on your choices of investment (more about that later).

But one area you can tackle fairly simply is minimising the operating costs of the portfolio - by choosing the right share-dealing broker, which can save you hundreds of pounds a year.

Saturday, 25 November 2017

Top Investment Blog

This site has been included as one of the top 60 investment blogs in the UK

 For the full list see here.

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.

Thursday, 14 September 2017

So, You Think You Know What You Are Doing? (Portfolio Sales)

Not much action on the DIY Income Investor portfolio recently, apart from a couple of sales (which I'll come to), meaning that there is a lot of cash sitting around idle...

But before I do any more investing, I need to check that I know what I am doing: I'm even less confident than I used to be.

Monday, 10 July 2017

Income Portfolio Using Cheap 'Tracker' Funds

Investment charges

The Daily Telegraph has published an interesting article about using cheap 'tracker' funds to create an income-oriented portfolio.

Over time, I have sought to automate and diversify the DIY Income Investor portfolio by using Exchange Traded Funds, which are a cheap and easy way to 'buy' a (fairly) sustainable income, as well as accessing world markets.

Tuesday, 20 June 2017

Risky FTSE100 Dividend Shares?


The DIY Income Investor likes shares that pay dividends - effectively investments that pay you an income while they (hopefully) go up in value.

And what could be safer than buying shares in the biggest dividend-paying companies quoted on the London Stock Exchange?

Buyer beware! Big is not always beautiful.

Thursday, 15 June 2017

Only Connect! (Portfolio Buy)

Only connect!...Only connect the prose and the passion. - E. M. Forster

The election and Brexit have helped to knock Sterling and the Stock Market sideways - although the DIY Income Investor portfolio (which is quite international) has perked up in the last few days, hitting record values, at least when measured in Sterling.

As part of the recent flurry of deals, I have gone for something more UK-based - using the usual 'painting-by-numbers' approach.