Lloyds Banking Group Live Discussion

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PrefInvestor1 23 Feb 2020

LLOYDS is going to FLY Did that a few times. No change. Those controls that you have arent appearing on my pages. Is it working for you today and if so what platfirm/browser are you using ?. ATB Pref

J_Westlock 23 Feb 2020

LLOYDS is going to FLY PrefInvestor1: Anyway hmmmmm Click on ‘Performance’ and see if the the ‘Compare’ boxes appear… If not… then go back to ‘Charts’ and see if they now appear.

trader_jack 23 Feb 2020

LLOYDS is going to FLY PrefInvestor1: Hi @trader_jack, Hope you are well. If STS has been going since 2005 (~15 years) then its hardly a newbie !. As for there being days when it isnt traded, I dont know where you are getting your trade information from but if you look on the LSE Interactive Chart page for STS as per this link:- Good morning to you Prefinvestor, Well, I must admit I was doing probably the most simplistic / simple option, looking at the STS price chart on HL and just moving the days along around the various dividend payment dates. I should have tried harder, looked around for other sites. When I look at other IT’s SMT started in 1909,BNKR in 1888 & ATST & MRCH in 1889. I think that the newest trust that I hold in VIN which started life in 1981. So STS is a mere baby at present with only 15 years or so of information and results to fall back on. I like to think that I am extremely cautious and basically look at IT’s that have a reasonable longevity to fall back on. I am still busy looking at STS and updating my various spreadsheets to take it into account. The next financial year is the earliest I would expect to purchase any new holding. I have not looked at AJ Bell but will do so in the coming days and I used to have a log in with the LSE but kept losing / forgetting my password so I just gave the site up in the end. Might give it another go though. You know that my computer skills would be regarded as way below those of an average 100 year old let alone getting anywhere close to that of the average 5 year old!There is so much that I just cannot get to grips with, understand ore even find on a google search. I have still not found a way of getting prices etc on the internet to transfer onto my spreadsheets automatically even with all the help you offered a couple of years ago, but I am now seriously thinking about buying the latest Excel / MS Office programme as mine is now officially “retired” and will no longer have Microsoft support. Hopefully that might help if manage to understand it. Hope the rain and wind stop soon for us all. Good luck with your new bout of decorating. Best regards TJ

PrefInvestor1 23 Feb 2020

LLOYDS is going to FLY Hi Again @J_Westlock, Well it might do if I got that screen content but I dont appear to be getting the same pages (are you logged in or something). This is what I get when I enter STS, Search, select the IT from the list and then select Chart image.png1323x897 70.6 KB image.png1316x619 84.3 KB I have posted the whole screen in two parts (as its more than one screenful). Theres some corporate blurb right at the bottom of the screen but nothing of interest there that I can see. Note the absence of the Compare button on what I get ?. Theres also what looks like an “in progress” indicator whirring away in front of the chart all the time - and none of the controls on the page seem to work eg timescale selection. Maybe I should try another browser. Actually thinking about it I just did as I tried it on the iPad and it was the same…? Anyway hmmmmm ATB Pref

J_Westlock 23 Feb 2020

LLOYDS is going to FLY See if this helps (the ringed bit). I do find these screens more fiddly than I think they need to be in both H: and AJ Bell. They seem to have done all the hard work behind the scenes but the user interface could defo be improved. image.png1269x740 44.3 KB

PrefInvestor1 23 Feb 2020

LLOYDS is going to FLY J_Westlock: at top right of screen, use the search ‘magnifying glass’ and enter code of first stock/fund select ‘Chart’ from left side vertical bar… and you get their total return chart ensure in chart setting/plot type is set to ‘Growth’ (not ‘Price’) select ‘Compare’ and enter code of stock/fund you want to compare first to (…and repeat for several codes as you wish) Hi Again @J_Westlock, Well I tried to follow your instructions but without much success Im afraid. First two steps were OK, I entered STS and search and selected Chart from the menu on the left of the screen - that was all fine. But having got there I couldnt find any chart settings to set, couldnt do a comparison - no button ?, change the timescale of the chart or anything - I must be missing something. Not quite sure what ATM though. Or maybe its sunday and their site isnt working. Dunno TBH. Thanks for the link anyway. ATB Pref

J_Westlock 23 Feb 2020

LLOYDS is going to FLY PrefInvestor1: Hi @J_Westlock, I’d be interested in giving the AJBell comparison tool a try, as you say the HL one cant do more than 5 years. Any chance you could post a link to it please ?. I have tried looking on their web site and I cant see it as first glance. If you have to have an account with them to use it then just say as I am unlikely to go that far to use it !. You don’t need an account @PrefInvestor1 AJ Bell Youinvest AJ Bell Youinvest AJ Bell Youinvest is a low cost, award-winning platform for the DIY investor. at top right of screen, use the search ‘magnifying glass’ and enter code of first stock/fund select ‘Performance’ from left side vertical bar… and you get their total return chart ensure in chart setting/plot type is set to ‘Growth’ (not ‘Price’) select ‘Compare’ and enter code of stock/fund you want to compare first to (…and repeat for several codes as you wish) It’s pretty similar to HL’s but you don’t need the ‘Select Fund first’ trick and offers longer periods… but I find some of the colours it selects difficult to distinguish at times.

PrefInvestor1 23 Feb 2020

LLOYDS is going to FLY image.png706x128 5.8 KB Hi @trader_jack, Hope you are well. If STS has been going since 2005 (~15 years) then its hardly a newbie !. As for there being days when it isnt traded, I dont know where you are getting your trade information from but if you look on the LSE Interactive Chart page for STS as per this link:- [link] And set the time period to 3 months and select the “Volume” radio here Then you will get a 3 month chart with bars at the bottom giving trading volumes for each day as shown below:- If you run your mouse pointer over these bars it will tell you the exact number of shares traded each day. As you can see I couldnt see ANY days in the last 3 months when no shares were traded. Lowest volume was on Dec 31st but perhaps not surprising at that time ?. As for whether its a good time to be buying ANYTHING right now thats a different question !. Enjoy the rest of your weekend ! ATB Pref

PrefInvestor1 23 Feb 2020

LLOYDS is going to FLY Hi @J_Westlock, I’d be interested in giving the AJBell comparison tool a try, as youy say the HL one cant do more than 5 years. Any chance you could post a link to it please ?. I have tried looking on their web site and I cant see it as first glance. If you have to have an account with them to use it then just say as I am unlikely to go that far to use it !. I wonder whats going to happen with the markets this week ?. Lots of new virus cases in South Korea I’m reading today, guessing that wont be good for Asian markets or indeed markets in general… ATB Pref

BrownAdder 22 Feb 2020

LLOYDS is going to FLY Eadwig: Far more likely to decimate global GDP. So we’ll all actually be poorer in that case. I am not sure if we will be poorer - but when have 2 people agreed on relative wealth anyway I am up for restarting the planet, be it virus or man made

BrownAdder 22 Feb 2020

LLOYDS is going to FLY PrefInvestor1: but all of the efforts to prevent a global pandemic are causing enormous economic impact. well everything gets blown out of proportion these days - It does bode well for current American plan to boost Taiwan/Vietnam as newer territories for production - put a dent into China’s economic growth Somehow a new catalyst is needed to start the next wave of economic expansion Cant make an omelette without breaking eggs

J_Westlock 22 Feb 2020

LLOYDS is going to FLY trader_jack: I will be looking at STS reports and factsheets over the weekend to see if they fit “my crirteria.” Until now I have only considered well and long established IT’s. STS only started in 2005 as far as I can see ther are days where it appears to have not been traded. I used to work out the total return on these things with a s/sheet (I’m referring to reinvested dividends + capital appreciation just to be clear) as I didn’t trust the brokers who offer such comparison tools. Then a few months back Pref mentioned using the compare tool with HL (which is simple and easy to use if you know the trick to get it to work with funds first) but I also use AJ Bell’s which gives you a 10yr+ view too. I prefer the HL tool as the colours it distinguishes the different stocks/funds compared make it easier to see. If you are more interested in total return than yield (as you indicated for your grandchildren’s pots) then these are useful to see performance over varying periods of time… which is what I think you are doing. (PS. The tables I posted previously look at total return over 1,3 and 5 yrs (only) so they are ordered by whichever is best over those 3 points.() Diff between ATST and STS isn’t great in terms of total return but MNKS and SMT have performed better. image.png573x525 53.1 KB

J_Westlock 22 Feb 2020

LLOYDS is going to FLY PrefInvestor1: Hi @J_Westlock, I’m sorry to read that you are in an underwater position on LLOY, I hope it is not a large one. However bad it cannot compare with regardless with his 500,000+ shares at an average of over 60 - that’s just scary, but it is the course that he has deliberately chosen. It was the portion I bought 3 years back that was the mistake. Now, I’ll just hang on and wait for it to be above 60… if it ever gets there… and then I’ll be shot of this. Certainly, not putting in any more to average down for all the reasons you said. Yes, I’m waiting for the pref XD dates too… only a few weeks to go.

Eadwig 22 Feb 2020

LLOYDS is going to FLY BrownAdder: On the flip side if it does decimate the global population by at least a quarter then we all should be richer, a horrid thought I confess Far more likely to decimate global GDP. So we’ll all actually be poorer in that case.

PrefInvestor1 22 Feb 2020

LLOYDS is going to FLY BrownAdder: This virus is an excellent catch-all excuse On the flip side if it does decimate the global population by at least a quarter then we all should be richer, a horrid thought I confess Thats not going to happen with a morality rate of about 2%. Seems to me that this virus is only slightly worse than a new flu virus for which there is no vaccine - but all of the efforts to prevent a global pandemic are causing enormous economic impact. Pref

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