Wish I had a clue what you guys are on about
comment by Silver (U6112)
posted 4 minutes ago
comment by My Partially Peeved POV (U10636)
posted 17 minutes ago
comment by Silver (U6112)
posted 1 hour, 3 minutes ago
comment by My Partially Peeved POV (U10636)
posted 1 hour, 1 minute ago
comment by Firkin (U19526)
posted 1 hour, 23 minutes ago
comment by Silver (U6112)
posted 7 minutes ago
I try to combine overpayments with saving and investing.
—————————————————————
Indeed, and even when investing, particularly for the well off, I’d strongly advise diversification between ISA, pension and property. It can provide maximum flexibility of options at retirement. I’d also encourage further diversification within any investments and, as Firkin says, don’t invest in things you don’t understand. Nobody values your assets as much as you do so take the time to read and read and read. By all means use a IFA but they guarantee nothing and will get their commission regardless. Even reputable firms will have no qualms of taking advantage of the unwary.
----------------------------------------------------------------------
Yes, keep reading, and think carefully about if/when you need an IFA in this day and age when there are so many options for DIY investing. If you do go down the IFA route, make sure it's an IFA and not an FA.
----------------------------------------------------------------------
There’s nothing wrong with being a restricted FA.
----------------------------------------------------------------------
I note you didn't refute the other stuff though?
----------------------------------------------------------------------
We make a living the same as every other profession. 🤷♂️
----------------------------------------------------------------------
So, the hoors bit was right then?
----------------------------------------------------------------------
Hoors make far more than I do.
comment by My Partially Peeved POV (U10636)
posted 10 minutes ago
comment by Silver (U6112)
posted 4 minutes ago
comment by My Partially Peeved POV (U10636)
posted 17 minutes ago
comment by Silver (U6112)
posted 1 hour, 3 minutes ago
comment by My Partially Peeved POV (U10636)
posted 1 hour, 1 minute ago
comment by Firkin (U19526)
posted 1 hour, 23 minutes ago
comment by Silver (U6112)
posted 7 minutes ago
I try to combine overpayments with saving and investing.
—————————————————————
Indeed, and even when investing, particularly for the well off, I’d strongly advise diversification between ISA, pension and property. It can provide maximum flexibility of options at retirement. I’d also encourage further diversification within any investments and, as Firkin says, don’t invest in things you don’t understand. Nobody values your assets as much as you do so take the time to read and read and read. By all means use a IFA but they guarantee nothing and will get their commission regardless. Even reputable firms will have no qualms of taking advantage of the unwary.
----------------------------------------------------------------------
Yes, keep reading, and think carefully about if/when you need an IFA in this day and age when there are so many options for DIY investing. If you do go down the IFA route, make sure it's an IFA and not an FA.
----------------------------------------------------------------------
There’s nothing wrong with being a restricted FA.
----------------------------------------------------------------------
I note you didn't refute the other stuff though?
----------------------------------------------------------------------
We make a living the same as every other profession. 🤷♂️
----------------------------------------------------------------------
So, the hoors bit was right then?
----------------------------------------------------------------------
Hoors make far more than I do.
----------------------------------------------------------------------
You've obviously never been to Govan.
BT GROUP PLC ORD 5P with EPIC code (LON:BT-A) have now 19 analysts covering the company
The target price ranges between £3.60 and £2.35 with the average target price sitting at £2.85.
With the shares previous close at £1.48 this indicates there is a potential upside of 92.2%.
Jump on and make some money folks
comment by Zico 💚 (U21900)
posted 7 minutes ago
BT GROUP PLC ORD 5P with EPIC code (LON:BT-A) have now 19 analysts covering the company
The target price ranges between £3.60 and £2.35 with the average target price sitting at £2.85.
With the shares previous close at £1.48 this indicates there is a potential upside of 92.2%.
Jump on and make some money folks
----------------------------------------------------------------------
What do you think would be a reasonable timescale to expect to meet that return?
The company has a market cap of £15b. I`m out
Wish I understood all this chat,was left a few grand when my mother passed in September,it`s just sat in a saver and current account doing nowt.
comment by Magnum. (The big man on here, The Chief, The Head Honcho, The Big Tamale, The Sheriff, The Main Man, The Guv'nor for the Danny Dyer types, WTF are you looking at?) (U22391)
posted 58 minutes ago
comment by Zico 💚 (U21900)
posted 7 minutes ago
BT GROUP PLC ORD 5P with EPIC code (LON:BT-A) have now 19 analysts covering the company
The target price ranges between £3.60 and £2.35 with the average target price sitting at £2.85.
With the shares previous close at £1.48 this indicates there is a potential upside of 92.2%.
Jump on and make some money folks
----------------------------------------------------------------------
What do you think would be a reasonable timescale to expect to meet that return?
----------------------------------------------------------------------
I'm no fortune teller or financial type, but I would say maybe two to four years.
Re the Market Cap, it's false... BT have just Invested £12Bn to provide Fibre to 20 billion homes, once that's done it's just about collecting the profits.
comment by Zico 💚 (U21900)
posted 25 minutes ago
comment by Magnum. (The big man on here, The Chief, The Head Honcho, The Big Tamale, The Sheriff, The Main Man, The Guv'nor for the Danny Dyer types, WTF are you looking at?) (U22391)
posted 58 minutes ago
comment by Zico 💚 (U21900)
posted 7 minutes ago
BT GROUP PLC ORD 5P with EPIC code (LON:BT-A) have now 19 analysts covering the company
The target price ranges between £3.60 and £2.35 with the average target price sitting at £2.85.
With the shares previous close at £1.48 this indicates there is a potential upside of 92.2%.
Jump on and make some money folks
----------------------------------------------------------------------
What do you think would be a reasonable timescale to expect to meet that return?
----------------------------------------------------------------------
I'm no fortune teller or financial type, but I would say maybe two to four years.
Re the Market Cap, it's false... BT have just Invested £12Bn to provide Fibre to 20 billion homes, once that's done it's just about collecting the profits.
----------------------------------------------------------------------
That's what I thought. Cheers
Doubling your money in a fairly safe way over a two year period is big. I suppose the only significant risk if the bubble bursts in a big way and everything goes south. In which case most of us would be fecked anyway.
It's probably worth a sizeable punt.
BT is massively undervalued, good luck, although I'm certain you won't need it.
We'd have free 5g everywhere if we hadn't have privatised BT.
Lagging (literally) behind France. How embarrassing,
France.
BT have a £5bn (last time I looked) deficit on their £65bn pension liabilities - biggest in the country. Whilst it is not catastrophic it is what has held the share price back. They can't close the gap without raiding dividends which would tank the sp. Profits after tax c. £2bn. A fine balancing act especially as the bulk of their pension fund assets with be in bonds that have been propped up by government quantitative easing as I mentioned earlier. If bonds collapse so will BT.
They have struggled for growth forever. Reinstating the 7% divi will merely underline that they are not a growth stock. Fine if you need that balance in your portfolio though I can think of safer options and BT could be just another value trap. DYOR.
comment by Silver (U6112)
posted 8 minutes ago
BT have a £5bn (last time I looked) deficit on their £65bn pension liabilities - biggest in the country. Whilst it is not catastrophic it is what has held the share price back. They can't close the gap without raiding dividends which would tank the sp. Profits after tax c. £2bn. A fine balancing act especially as the bulk of their pension fund assets with be in bonds that have been propped up by government quantitative easing as I mentioned earlier. If bonds collapse so will BT.
They have struggled for growth forever. Reinstating the 7% divi will merely underline that they are not a growth stock. Fine if you need that balance in your portfolio though I can think of safer options and BT could be just another value trap. DYOR.
----------------------------------------------------------------------
I remember that now.from memory the other issue with that is that a lot of the liability sits in DB schemes so there's very limited room for manoeuvre.
I knew there was a shortfall (they're not the only ones) but hadn't realised it was that big. Its basically a giant ponzi but the chicken will come home to roost as some point.
comment by lauders 55 (U9757)
posted 29 minutes ago
We'd have free 5g everywhere if we hadn't have privatised BT.
Lagging (literally) behind France. How embarrassing,
France.
----------------------------------------------------------------------
We'd have had a full fibre network in the 1980s if Thatcher handn't kyboshed the idea.
Now we play catchup with the rest of the world.
comment by Magnum. (The big man on here, The Chief, The Head Honcho, The Big Tamale, The Sheriff, The Main Man, The Guv'nor for the Danny Dyer types, WTF are you looking at?) (U22391)
posted 24 minutes ago
comment by Silver (U6112)
posted 8 minutes ago
BT have a £5bn (last time I looked) deficit on their £65bn pension liabilities - biggest in the country. Whilst it is not catastrophic it is what has held the share price back. They can't close the gap without raiding dividends which would tank the sp. Profits after tax c. £2bn. A fine balancing act especially as the bulk of their pension fund assets with be in bonds that have been propped up by government quantitative easing as I mentioned earlier. If bonds collapse so will BT.
They have struggled for growth forever. Reinstating the 7% divi will merely underline that they are not a growth stock. Fine if you need that balance in your portfolio though I can think of safer options and BT could be just another value trap. DYOR.
----------------------------------------------------------------------
I remember that now.from memory the other issue with that is that a lot of the liability sits in DB schemes so there's very limited room for manoeuvre.
I knew there was a shortfall (they're not the only ones) but hadn't realised it was that big. Its basically a giant ponzi but the chicken will come home to roost as some point.
----------------------------------------------------------------------
The share price was 95p six months ago, it's now 155p.
Lots of money made shorting it.
Despite the pension issue, I believe BT will be at least £2 this year and maybe double that a couple of years later.
The pensions and payoffs BT have given it's employees are eyewatering, they have been streamling for the past three years and continue to be more competitive.
Hedera
https://youtu.be/VSmANwwaOxU
🚀🚀🚀
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Savings/Investments
Page 4 of 4
posted on 30/3/21
Wish I had a clue what you guys are on about
posted on 30/3/21
comment by Silver (U6112)
posted 4 minutes ago
comment by My Partially Peeved POV (U10636)
posted 17 minutes ago
comment by Silver (U6112)
posted 1 hour, 3 minutes ago
comment by My Partially Peeved POV (U10636)
posted 1 hour, 1 minute ago
comment by Firkin (U19526)
posted 1 hour, 23 minutes ago
comment by Silver (U6112)
posted 7 minutes ago
I try to combine overpayments with saving and investing.
—————————————————————
Indeed, and even when investing, particularly for the well off, I’d strongly advise diversification between ISA, pension and property. It can provide maximum flexibility of options at retirement. I’d also encourage further diversification within any investments and, as Firkin says, don’t invest in things you don’t understand. Nobody values your assets as much as you do so take the time to read and read and read. By all means use a IFA but they guarantee nothing and will get their commission regardless. Even reputable firms will have no qualms of taking advantage of the unwary.
----------------------------------------------------------------------
Yes, keep reading, and think carefully about if/when you need an IFA in this day and age when there are so many options for DIY investing. If you do go down the IFA route, make sure it's an IFA and not an FA.
----------------------------------------------------------------------
There’s nothing wrong with being a restricted FA.
----------------------------------------------------------------------
I note you didn't refute the other stuff though?
----------------------------------------------------------------------
We make a living the same as every other profession. 🤷♂️
----------------------------------------------------------------------
So, the hoors bit was right then?
----------------------------------------------------------------------
Hoors make far more than I do.
posted on 30/3/21
comment by My Partially Peeved POV (U10636)
posted 10 minutes ago
comment by Silver (U6112)
posted 4 minutes ago
comment by My Partially Peeved POV (U10636)
posted 17 minutes ago
comment by Silver (U6112)
posted 1 hour, 3 minutes ago
comment by My Partially Peeved POV (U10636)
posted 1 hour, 1 minute ago
comment by Firkin (U19526)
posted 1 hour, 23 minutes ago
comment by Silver (U6112)
posted 7 minutes ago
I try to combine overpayments with saving and investing.
—————————————————————
Indeed, and even when investing, particularly for the well off, I’d strongly advise diversification between ISA, pension and property. It can provide maximum flexibility of options at retirement. I’d also encourage further diversification within any investments and, as Firkin says, don’t invest in things you don’t understand. Nobody values your assets as much as you do so take the time to read and read and read. By all means use a IFA but they guarantee nothing and will get their commission regardless. Even reputable firms will have no qualms of taking advantage of the unwary.
----------------------------------------------------------------------
Yes, keep reading, and think carefully about if/when you need an IFA in this day and age when there are so many options for DIY investing. If you do go down the IFA route, make sure it's an IFA and not an FA.
----------------------------------------------------------------------
There’s nothing wrong with being a restricted FA.
----------------------------------------------------------------------
I note you didn't refute the other stuff though?
----------------------------------------------------------------------
We make a living the same as every other profession. 🤷♂️
----------------------------------------------------------------------
So, the hoors bit was right then?
----------------------------------------------------------------------
Hoors make far more than I do.
----------------------------------------------------------------------
You've obviously never been to Govan.
posted on 31/3/21
BT GROUP PLC ORD 5P with EPIC code (LON:BT-A) have now 19 analysts covering the company
The target price ranges between £3.60 and £2.35 with the average target price sitting at £2.85.
With the shares previous close at £1.48 this indicates there is a potential upside of 92.2%.
Jump on and make some money folks
posted on 31/3/21
comment by Zico 💚 (U21900)
posted 7 minutes ago
BT GROUP PLC ORD 5P with EPIC code (LON:BT-A) have now 19 analysts covering the company
The target price ranges between £3.60 and £2.35 with the average target price sitting at £2.85.
With the shares previous close at £1.48 this indicates there is a potential upside of 92.2%.
Jump on and make some money folks
----------------------------------------------------------------------
What do you think would be a reasonable timescale to expect to meet that return?
posted on 31/3/21
The company has a market cap of £15b. I`m out
Wish I understood all this chat,was left a few grand when my mother passed in September,it`s just sat in a saver and current account doing nowt.
posted on 31/3/21
comment by Magnum. (The big man on here, The Chief, The Head Honcho, The Big Tamale, The Sheriff, The Main Man, The Guv'nor for the Danny Dyer types, WTF are you looking at?) (U22391)
posted 58 minutes ago
comment by Zico 💚 (U21900)
posted 7 minutes ago
BT GROUP PLC ORD 5P with EPIC code (LON:BT-A) have now 19 analysts covering the company
The target price ranges between £3.60 and £2.35 with the average target price sitting at £2.85.
With the shares previous close at £1.48 this indicates there is a potential upside of 92.2%.
Jump on and make some money folks
----------------------------------------------------------------------
What do you think would be a reasonable timescale to expect to meet that return?
----------------------------------------------------------------------
I'm no fortune teller or financial type, but I would say maybe two to four years.
Re the Market Cap, it's false... BT have just Invested £12Bn to provide Fibre to 20 billion homes, once that's done it's just about collecting the profits.
posted on 31/3/21
*20 Million homes
posted on 31/3/21
comment by Zico 💚 (U21900)
posted 25 minutes ago
comment by Magnum. (The big man on here, The Chief, The Head Honcho, The Big Tamale, The Sheriff, The Main Man, The Guv'nor for the Danny Dyer types, WTF are you looking at?) (U22391)
posted 58 minutes ago
comment by Zico 💚 (U21900)
posted 7 minutes ago
BT GROUP PLC ORD 5P with EPIC code (LON:BT-A) have now 19 analysts covering the company
The target price ranges between £3.60 and £2.35 with the average target price sitting at £2.85.
With the shares previous close at £1.48 this indicates there is a potential upside of 92.2%.
Jump on and make some money folks
----------------------------------------------------------------------
What do you think would be a reasonable timescale to expect to meet that return?
----------------------------------------------------------------------
I'm no fortune teller or financial type, but I would say maybe two to four years.
Re the Market Cap, it's false... BT have just Invested £12Bn to provide Fibre to 20 billion homes, once that's done it's just about collecting the profits.
----------------------------------------------------------------------
That's what I thought. Cheers
Doubling your money in a fairly safe way over a two year period is big. I suppose the only significant risk if the bubble bursts in a big way and everything goes south. In which case most of us would be fecked anyway.
It's probably worth a sizeable punt.
posted on 31/3/21
BT is massively undervalued, good luck, although I'm certain you won't need it.
posted on 31/3/21
We'd have free 5g everywhere if we hadn't have privatised BT.
Lagging (literally) behind France. How embarrassing,
France.
posted on 31/3/21
BT have a £5bn (last time I looked) deficit on their £65bn pension liabilities - biggest in the country. Whilst it is not catastrophic it is what has held the share price back. They can't close the gap without raiding dividends which would tank the sp. Profits after tax c. £2bn. A fine balancing act especially as the bulk of their pension fund assets with be in bonds that have been propped up by government quantitative easing as I mentioned earlier. If bonds collapse so will BT.
They have struggled for growth forever. Reinstating the 7% divi will merely underline that they are not a growth stock. Fine if you need that balance in your portfolio though I can think of safer options and BT could be just another value trap. DYOR.
posted on 31/3/21
comment by Silver (U6112)
posted 8 minutes ago
BT have a £5bn (last time I looked) deficit on their £65bn pension liabilities - biggest in the country. Whilst it is not catastrophic it is what has held the share price back. They can't close the gap without raiding dividends which would tank the sp. Profits after tax c. £2bn. A fine balancing act especially as the bulk of their pension fund assets with be in bonds that have been propped up by government quantitative easing as I mentioned earlier. If bonds collapse so will BT.
They have struggled for growth forever. Reinstating the 7% divi will merely underline that they are not a growth stock. Fine if you need that balance in your portfolio though I can think of safer options and BT could be just another value trap. DYOR.
----------------------------------------------------------------------
I remember that now.from memory the other issue with that is that a lot of the liability sits in DB schemes so there's very limited room for manoeuvre.
I knew there was a shortfall (they're not the only ones) but hadn't realised it was that big. Its basically a giant ponzi but the chicken will come home to roost as some point.
posted on 31/3/21
comment by lauders 55 (U9757)
posted 29 minutes ago
We'd have free 5g everywhere if we hadn't have privatised BT.
Lagging (literally) behind France. How embarrassing,
France.
----------------------------------------------------------------------
We'd have had a full fibre network in the 1980s if Thatcher handn't kyboshed the idea.
Now we play catchup with the rest of the world.
posted on 31/3/21
comment by Magnum. (The big man on here, The Chief, The Head Honcho, The Big Tamale, The Sheriff, The Main Man, The Guv'nor for the Danny Dyer types, WTF are you looking at?) (U22391)
posted 24 minutes ago
comment by Silver (U6112)
posted 8 minutes ago
BT have a £5bn (last time I looked) deficit on their £65bn pension liabilities - biggest in the country. Whilst it is not catastrophic it is what has held the share price back. They can't close the gap without raiding dividends which would tank the sp. Profits after tax c. £2bn. A fine balancing act especially as the bulk of their pension fund assets with be in bonds that have been propped up by government quantitative easing as I mentioned earlier. If bonds collapse so will BT.
They have struggled for growth forever. Reinstating the 7% divi will merely underline that they are not a growth stock. Fine if you need that balance in your portfolio though I can think of safer options and BT could be just another value trap. DYOR.
----------------------------------------------------------------------
I remember that now.from memory the other issue with that is that a lot of the liability sits in DB schemes so there's very limited room for manoeuvre.
I knew there was a shortfall (they're not the only ones) but hadn't realised it was that big. Its basically a giant ponzi but the chicken will come home to roost as some point.
----------------------------------------------------------------------
The share price was 95p six months ago, it's now 155p.
Lots of money made shorting it.
Despite the pension issue, I believe BT will be at least £2 this year and maybe double that a couple of years later.
The pensions and payoffs BT have given it's employees are eyewatering, they have been streamling for the past three years and continue to be more competitive.
posted on 31/3/21
Hedera
https://youtu.be/VSmANwwaOxU
🚀🚀🚀
Page 4 of 4