Intelligent Money - your investment questions answered
Discussion
Kingdom35 said:
Did we come out of WHSMith on Tuesday in the end as i cant see the Cash waiting to re-invest in my account at all?
We did indeed (with an 84.87% profit over 7 months), and we avoided a big fall on the following Friday (which has, in fairness, almost recovered now).The cash should settle on Monday.
JulianPH said:
Yes, you can do this, though the tax treatment is split 50/50 so you can't fully take advantage of a lower rate tax band.
We currently don't offer this as our systems have always been set up for individual accounts only, but Nik is working with Alex on the development of this.
Cheers
Thanks. We currently don't offer this as our systems have always been set up for individual accounts only, but Nik is working with Alex on the development of this.
Cheers
Please keep me abreast of developments.
JulianPH said:
Kingdom35 said:
Did we come out of WHSMith on Tuesday in the end as i cant see the Cash waiting to re-invest in my account at all?
We did indeed (with an 84.87% profit over 7 months), and we avoided a big fall on the following Friday (which has, in fairness, almost recovered now).The cash should settle on Monday.
Ron-ski said:
What's going on with ABI? It's now pretty much the same price as PHR launch day, less if you take in to account exchange rates.
FWIW AB Inbev might come good but will probably have to stay to the end, IMO.https://www.morningstar.co.uk/uk/news/209535/3-rec...
"Stock number two requires very little introduction. It's the alcoholic beverage juggernaut Anheuser-Busch InBev. This is the company that has a wide moat, wide economic moat in our methodology as well. It also trades at a very attractive discount. 20% plus and this is a company that is very well-positioned in rapidly growing demographics. So, think of developing markets like Latin America, think of developing markets like Africa, Anheuser-Busch is a household name there. It has a very strong presence in those markets. And eventually, once we see some of the rebound perhaps in the developed market, occur in the consumption for alcoholic beverages, the long-term transformed from the emerging markets will definitely propel this stock."
Kingdom35 said:
Thanks Julian, straight into PHE i think Monday :-)
It depends which one you think has better legs for the next few months, PHR or PHE.Looking at PHR as a complete portfolio with a buy price of X and a sell price (when all stocks hit their targets) of Y, how far are we towards Y now?
Phooey said:
"Stock number two requires very little introduction. It's the alcoholic beverage juggernaut Anheuser-Busch InBev. This is the company that has a wide moat, wide economic moat in our methodology as well. It also trades at a very attractive discount. 20% plus and this is a company that is very well-positioned in rapidly growing demographics. So, think of developing markets like Latin America, think of developing markets like Africa, Anheuser-Busch is a household name there. It has a very strong presence in those markets. And eventually, once we see some of the rebound perhaps in the developed market, occur in the consumption for alcoholic beverages, the long-term transformed from the emerging markets will definitely propel this stock."
Or"Everyone likes beer! That's gotta be a winner"
Simpo Two said:
It depends which one you think has better legs for the next few months, PHR or PHE.
Looking at PHR as a complete portfolio with a buy price of X and a sell price (when all stocks hit their targets) of Y, how far are we towards Y now?
My bag of a fag packet workings are that I am currently 43% up on a road toward what could be a 70% gain. I've just re-invested any sales back into PHR. Obviously IM have a target price for each stock and will know pretty accurately how far along the road we are but in the absence of that I just made some assumptions.Looking at PHR as a complete portfolio with a buy price of X and a sell price (when all stocks hit their targets) of Y, how far are we towards Y now?
I'm assuming that it's not unreasonable for the final price of each stock to fall between 80% and 90% of its pre-Covid level. Currently they are all between 50% and low 80%'s. That would indicate a portfolio total gain of between 65% and 75%.
Just my own figures - everyone will have their own view and IM could easily call it done at an earlier stage.
i4got said:
My bag of a fag packet workings are that I am currently 43% up on a road toward what could be a 70% gain. I've just re-invested any sales back into PHR. Obviously IM have a target price for each stock and will know pretty accurately how far along the road we are but in the absence of that I just made some assumptions.
I'm assuming that it's not unreasonable for the final price of each stock to fall between 80% and 90% of its pre-Covid level. Currently they are all between 50% and low 80%'s. That would indicate a portfolio total gain of between 65% and 75%
Are you basing that figure on money in vs value now (the Simpo method), or the Modified Dietz method? For me MD says 56% but in cold hard dosh it's actually less than half that.I'm assuming that it's not unreasonable for the final price of each stock to fall between 80% and 90% of its pre-Covid level. Currently they are all between 50% and low 80%'s. That would indicate a portfolio total gain of between 65% and 75%
Every stock has its own target so could Julian provide the 'how far are we now?' percentage?
Simpo Two said:
i4got said:
My bag of a fag packet workings are that I am currently 43% up on a road toward what could be a 70% gain. I've just re-invested any sales back into PHR. Obviously IM have a target price for each stock and will know pretty accurately how far along the road we are but in the absence of that I just made some assumptions.
I'm assuming that it's not unreasonable for the final price of each stock to fall between 80% and 90% of its pre-Covid level. Currently they are all between 50% and low 80%'s. That would indicate a portfolio total gain of between 65% and 75%
Are you basing that figure on money in vs value now (the Simpo method), or the Modified Dietz method? For me MD says 56% but in cold hard dosh it's actually less than half that.I'm assuming that it's not unreasonable for the final price of each stock to fall between 80% and 90% of its pre-Covid level. Currently they are all between 50% and low 80%'s. That would indicate a portfolio total gain of between 65% and 75%
Every stock has its own target so could Julian provide the 'how far are we now?' percentage?
Not sure where to stick the cash this time. Do we see any more recovery in the housing stocks? Tempted to leave it in cash, put it in Optimum GG, or wait for Julian’s next successful venture. Thanks again Julian and IM team for the PHR journey. I know it’s easy to say when the returns are great but it’s genuinely been an enjoyable experience, helped by this forum attached to it
As the number of stocks in PHR reduces and as time goes on from the big drop that made the fund feasible it must become less sensible to go straight back in to PHR (as I have done so far).
I’m tempted with PHE for the WH Smiths cash as it does appear well discounted at the moment and that’s where a chunk of my PHR money will probably end up long term anyway.
I’m tempted with PHE for the WH Smiths cash as it does appear well discounted at the moment and that’s where a chunk of my PHR money will probably end up long term anyway.
Phooey said:
Not sure where to stick the cash this time. Do we see any more recovery in the housing stocks? Tempted to leave it in cash, put it in Optimum GG, or wait for Julian’s next successful venture. Thanks again Julian and IM team for the PHR journey. I know it’s easy to say when the returns are great but it’s genuinely been an enjoyable experience, helped by this forum attached to it
Hold the cash. Flights to Vegas look good soon. Belagio?Phooey said:
FWIW AB Inbev might come good but will probably have to stay to the end, IMO.
https://www.morningstar.co.uk/uk/news/209535/3-rec...
"Stock number two requires very little introduction. It's the alcoholic beverage juggernaut Anheuser-Busch InBev. This is the company that has a wide moat, wide economic moat in our methodology as well. It also trades at a very attractive discount. 20% plus and this is a company that is very well-positioned in rapidly growing demographics. So, think of developing markets like Latin America, think of developing markets like Africa, Anheuser-Busch is a household name there. It has a very strong presence in those markets. And eventually, once we see some of the rebound perhaps in the developed market, occur in the consumption for alcoholic beverages, the long-term transformed from the emerging markets will definitely propel this stock."
Thanks, lets hope so.https://www.morningstar.co.uk/uk/news/209535/3-rec...
"Stock number two requires very little introduction. It's the alcoholic beverage juggernaut Anheuser-Busch InBev. This is the company that has a wide moat, wide economic moat in our methodology as well. It also trades at a very attractive discount. 20% plus and this is a company that is very well-positioned in rapidly growing demographics. So, think of developing markets like Latin America, think of developing markets like Africa, Anheuser-Busch is a household name there. It has a very strong presence in those markets. And eventually, once we see some of the rebound perhaps in the developed market, occur in the consumption for alcoholic beverages, the long-term transformed from the emerging markets will definitely propel this stock."
Phooey said:
FWIW AB Inbev might come good but will probably have to stay to the end, IMO.
https://www.morningstar.co.uk/uk/news/209535/3-rec...
"Stock number two requires very little introduction. It's the alcoholic beverage juggernaut Anheuser-Busch InBev. This is the company that has a wide moat, wide economic moat in our methodology as well. It also trades at a very attractive discount. 20% plus and this is a company that is very well-positioned in rapidly growing demographics. So, think of developing markets like Latin America, think of developing markets like Africa, Anheuser-Busch is a household name there. It has a very strong presence in those markets. And eventually, once we see some of the rebound perhaps in the developed market, occur in the consumption for alcoholic beverages, the long-term transformed from the emerging markets will definitely propel this stock."
Good summary mate.https://www.morningstar.co.uk/uk/news/209535/3-rec...
"Stock number two requires very little introduction. It's the alcoholic beverage juggernaut Anheuser-Busch InBev. This is the company that has a wide moat, wide economic moat in our methodology as well. It also trades at a very attractive discount. 20% plus and this is a company that is very well-positioned in rapidly growing demographics. So, think of developing markets like Latin America, think of developing markets like Africa, Anheuser-Busch is a household name there. It has a very strong presence in those markets. And eventually, once we see some of the rebound perhaps in the developed market, occur in the consumption for alcoholic beverages, the long-term transformed from the emerging markets will definitely propel this stock."
It has not fallen since we originally purchased it (to date - even though yesterday was a bit of a setback) and the value in there still remains the same as before.
Phooey said:
Not sure where to stick the cash this time. Do we see any more recovery in the housing stocks? Tempted to leave it in cash, put it in Optimum GG, or wait for Julian’s next successful venture. Thanks again Julian and IM team for the PHR journey. I know it’s easy to say when the returns are great but it’s genuinely been an enjoyable experience, helped by this forum attached to it
Quoting myself to add - looks like our 2 housing stocks might get a welcome +5% boost this week. Is there a fast-track option to reinvest the cash from WHSmith back into PHR on Monday?.. or could Monday be too late 
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