How did the year end:-
Value Div Fcst Share TIDM Sector %Total %Total Yield Merchants Trust MRCH IT - UK Equity Income 12.35% 12.81% 5.41% Dunedin Income Growth Inv Trus DIG IT - UK Equity Income 9.92% 8.24% 4.33% Henderson Far East Income Ltd. HFEL IT - Asia Pacific Income 6.83% 9.21% 7.03% Middlefield Canadian Income PC MCT IT - North America 6.71% 6.50% 5.05% JPMorgan European Inv Trust In JETI IT - Europe 5.81% 5.24% 4.70% Schroder Income Growth Fund SCF IT - UK Equity Income 5.23% 4.33% 4.32% Murray International Trust MYI IT - Global Equity Income 4.67% 4.08% 4.56% Monks Inv Trust MNKS IT - Global 3.59% 0.12% 0.18% Admiral Group ADM Nonlife Insurance 3.53% 4.80% 7.10% Legal and General Group LGEN Life Insurance 3.53% 4.53% 6.70% IG Group Holdings IGG Financial Services 3.39% 3.12% 4.80% Standard Life Aberdeen plc SLA Asset Management 3.08% 2.95% 5.00% Rio Tinto RIO Mining 3.04% 6.47% 11.10% Imperial Brands IMB Tobacco 3.02% 5.45% 9.40% BP BP Oil & Gas Producers 3.01% 3.29% 5.70% GlaxoSmithKline GSK Pharmaceuticals & Biotechnology 2.83% 3.36% 6.20% BT Group BT-A Telecommunications 2.58% 2.32% 4.70% Lloyds Banking Group LLOY Banks 2.57% 1.87% 3.80% Marks and Spencer Group MKS Retailer 2.22% 1.15% 2.70% Vodafone Group VOD Telecommunications 2.16% 2.45% 5.90% HSBC Holdings HSBA Banks 2.04% 1.64% 4.20% SSE SSE Utilities 1.99% 2.18% 5.70% Aviva AV Life Insurance 1.80% 1.93% 5.60% Taylor Wimpey TW Home Construction 1.39% 1.20% 4.50% Scottish Mortgage Inv Trust SMT IT - Global 1.29% 0.07% 0.28% Cash ZCASH Cash 0.57% 0.00% 0.00% BAE Systems BA Aerospace & Defence 0.48% 0.44% 4.80% Centrica CNA Utilities 0.36% 0.22% 3.20% Portfolio Running Yield = 5.21%
Value Div
Sector %Total %Total
IT - UK Equity Income 27.50% 25.38%
IT - Asia Pacific Income 6.83% 9.21%
IT - North America 6.71% 6.50%
IT - Europe 5.81% 5.24%
Life Insurance 5.33% 6.46%
Telecommunications 4.74% 4.77%
IT - Global Equity Income 4.67% 4.08%
Banks 4.61% 3.51%
Nonlife Insurance 3.53% 4.80%
Financial Services 3.39% 3.12%
Asset Management 3.08% 2.95%
Mining 3.04% 6.47%
Tobacco 3.02% 5.45%
Oil & Gas Producers 3.01% 3.29%
Pharmaceuticals & Biotechnology 2.83% 3.36%
Utilities 2.35% 2.40%
Retailer 2.22% 1.15%
Home Construction 1.39% 1.20%
Cash 0.57% 0.00%
Aerospace & Defence 0.48% 0.44%
Total 95.00% 100.00%
Note: 1...'Value %Total' is the portfolio value of the share as a % of the total portfolio
2...'Div %Total' is the expected dividend of the share based on forecast yield
as a % of the total portfolio expected dividend
What has happened to portfolio in the last year
Date | TIDM | Price | Yield | Notes 31/07/20 | JETI | £1.1524 | 5.78% | Buy in SIPP. TOP-UP 27/11/20 | SMT | £10.9425 | 0.30% | Buy in SIPP. New holding, first Growth purchase. NAV -2.69%. Was going for MNKS but couldn't make a deal. 18/12/20 | ADM | £29.6298 | | Top-sliced 25% from ISA. Over my limits for Median and Income. 51% capital gain. 18/12/20 | RIO | £56.5744 | | Top-sliced 25% from ISA. Over my limits for Median and Income, 53% capital gain. 18/12/20 | AV. | £3.2680 | 7.20% | Buy in ISA. 1st in Top-up table, buying more would have breached sector limits with LGEN 18/12/20 | BP | £2.7090 | 8.20% | Buy in ISA. 2nd in TOP-UP table. 22/12/20 | STEM | £3.0250 | | Sold from trading account. Taking a little profit, 7.13% and static yield for many years. 24/12/20 | GSK | £13.3956 | 5.63% | Buy in ISA. Added sector back 09/02/21 | MARS | £1.0141 | | Sold from ISA. No dividend yield at time. Small capital profit 09/02/21 | IMB | £14.4879 | 9.70% | Buy in ISA. 1st in Top-up table, buying more would break sector, value and yield limits. 09/02/21 | GSK | £13.0441 | 6.30% | Buy in ISA. 2nd in Top-up table 26/02/21 | SSE | £13.7720 | | Sold in SIPP. Top-sliced. SIPP now all IT's. 26/02/21 | MNKS | £14.0456 | 0.18% | Buy in SIPP. New holding. NAV 3.8%. 08/03/21 | SSE | £12.8695 | 6.30% | Buy in ISA. TOP-UP, 2nd in table. VOD was 1st but would break sector limit.Finally got to my objective of only having ITs in my SIPP. Another change is a move to adding "Growth" ITs to the mix. One thing this last year has shown me is that no matter how bad it seems to get I can live "comfortably" on my Pensions and my dividend income is the "icing on the cake", thus the change in direction for my SIPP as this, hopefully, will be passed on to my Daughter and Granddaughter (having my first grandchild has also changed my view of life). Capital value has gone up 30%, still a long way to go to meet previous high.
Have paid away all dividends received in my trading account and ISA. Re-investing income in SIPP to growth IT's
How did my dividend income compare to previous years
Dividends per year | Yield on cost | Yield on value
| |
2015-2016 | 6.90% | 4.98%
2016-2017 | 6.39% | 5.71%
2017-2018 | 6.43% | 5.24%
2018-2019 | 6.93% | 6.39%
2019-2020 | 7.29% | 6.47%
2020-2021 | 4.43% | 6.35%
You would think that by now I would have got this correct. Again these figures have changed from previously reported as spent some time in this last year re-confrming previous data and correcting/adding figures. SHARE DIVIDENDS | | |
| Yield on cost | Yield on value | Divi per unit
For TAX 2015-2016 | 8.95% | 5.31% | 0.92
For TAX 2016-2017 | 6.93% | 5.65% | 0.90
For TAX 2017-2018 | 6.83% | 5.24% | 0.89
For TAX 2018-2019 | 7.33% | 6.54% | 0.91
For TAX 2019-2020 | 7.76% | 6.55% | 0.96
For TAX 2020-2021 | 3.53% | 5.63% | 0.59
IT DIVIDENDS | | |
| Yield on cost | Yield on value | Divi per unit
For TAX 2015-2016 | 4.25% | 4.27% | 0.42
For TAX 2016-2017 | 4.96% | 5.95% | 0.49
For TAX 2017-2018 | 5.41% | 5.22% | 0.53
For TAX 2018-2019 | 6.21% | 6.07% | 0.61
For TAX 2019-2020 | 6.59% | 6.35% | 0.65
For TAX 2020-2021 | 5.39% | 6.98% | 0.54
ITs are now 56% of the portfolio. Dividend income dropped 26.7% overall thanks to the ITs growing, shares took a massive hit at 53% plus.This year will be different in many ways. Expect yield to increase as the last of the non-payers gets back to paying something. Am building a JISA for my Granddaughter. Where I will be investing any "surplus" cash is open to new interpretations as looking at "minimising" IHT as a future plan. Was not a consideration prior to becoming a Granddad.
hahahah.