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Finally - thanks to an anonymous reader for pointing out how out-of-date it had become!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

Over 1 Million Page Views!

 According to Blogger stats, this little site has received over one million page views.

Thanks for visiting!

The DIY Income Investor

Not As Bad As It Seems?
For this DIY Income Investor it's been a horrible couple of months - my family portfolio is down nearly 5% on the year. So I have taken my own advice - I've left my investments to look after themselves and got on with other activities.

It is hard for anyone invested in the stock market not to be spooked by the sudden downturn but it is rarely correct to sell up when prices are diving. As long as you have targeted reasonably sustainable yields, you should be able to weather a short-to-medium period of depressed prices by just sitting tight.

But all is not 'doom and gloom' - there might be some light appearing at the end of the tunnel.

Monday, 17 August 2015

Doom and Gloom

Trouble Ahead Sign

We are going through difficult world financial times, which the London Stock Exchange is reflecting in its loss of all 2015 FTSE100 gains.

If you are a Buffettarian, you will know that the best time to buy is when all others are fearful. And the signs could not be worse...

Monday, 10 August 2015

Cycles (Portfolio Buy)

The DIY Income Investor portfolio is languishing somewhat this year, barely maintaining its total value. The migration into diversified income-oriented Exchange Traded Funds (ETFs) over the last couple of years was meant to provide stability - but coupled with reasonable gains, not stagnation...

Economies - and therefore financial markets - work in cycles of confident exuberance followed by panicky fear; and unfortunately these cycles can span several years. So, it's difficult to tell whether one particular investment strategy will work in the medium to long term. For the time being, I'm going back to basics that have worked over the last 10 or so years: purchasing more focused investment instruments.