Some Trusts to research for when/if Mr. Market gives u the chance to buy.

A low risk portfolio for widows and orphans, u have to accept that the capital will be passed on, although in case of an unexpected emergency one of the positions could be sold, maybe the lowest yielder equivalent to taking dividends x amount of years in advance.
An equal weight portfolio would provide income of 7.3%, hopefully gradually increasing.
If u are re-investing the dividends, then hope for weak markets.
The difference between a yield of 7.3% and a tracker ? certainty that u can pay your electric bill.
The difference between a yield of 7.3% and a tracker ? u know that if u can compound at 7% your dividend stream will double in ten years better if u have longer.
No guarantees but to simplify your life, just check the Trust is going to pay its next dividend.
If u are going to take the risk of trading u may as well be rewarded for the risk.

I’ve bought some more shares for the portfolio, even though the price

could continue to fall as it’s xd next week. The portfolio has avoided the

worst of the Trust’s falls but as the price falls the yield rises and vice versa so it’s a risk on trade.

The Trust has a buy back programme in place which could help to arrest the the shares freefall.

Commenting on the results, Alexander Ohlsson, Chairman of Foresight Solar, said:

“Foresight Solar delivered resilient performance with record electricity production and cash distribution against a challenging market backdrop. Our operational strength, the powerhouse behind our progressive dividend, enabled us to comfortably meet our dividend target of 7.55p per share for 2023 and allows us to propose an above inflation increase of 6.0% for the 2024 target dividend of 8.0p per share.

Now the May dividends have been announced the income figure for the end of May should be £4,306.00. Ahead of plan.

The target for the half year period is £5,166.0.

I have bought for the portfolio 2410 shares in FSFL for 2k.

This should provide income to add to the Snowball this year of £135.00

and next year of £180.00.

A Message from WealthPress

Dividend stocks are possibly the only investment where you have the opportunity for capital growth as well as income.

It’s truly empowering once you see the impact that dividend stocks can make on any account size.

Imagine the peace of mind that could give you, knowing that your nest egg could be growing without having to make massive annual contributions.

Or slaving away at the computer screens trying to pick some miracle stock.

The key ingredient is DIVIDENDS.

And when you look at it over the scope of time, the difference dividends make is truly mind boggling.

Just visualize a $10k investment in the S&P 500 since 1960 with me.

Without the dividend payments…Your account would have grown to:

$641k

That’s not bad… But it’s certainly not enough to retire worry-free.

But during that SAME time period…With that SAME starting stake…

If you reinvested the DIVIDENDS:

$4 million

That means dividends were the ONLY difference between not having enough to make it through retirement.

Or retiring in the TOP 1% of all U.S. Households!

And the best part is, there’s no extra legwork on your end to collect these dividends – just sit back and watch.

As long as a company doesn’t cut its dividend, you’re guaranteed cash!

Invesco Bond Income Plus : BIPS

Invesco Bond Income Plus : BIPS (formerly City Merchants High Yield : CMHY until its merger with Invesco Leveraged High Yield) has an objective to seek to obtain both high income and capital growth from investment predominantly in high-yielding fixed-interest securities.

The trust seeks to provide a high level of dividend income relative to prevailing interest rates through investment in fixed-interest securities, various equity-like securities within fixed-income markets and equity-linked securities such as convertible bonds, and direct equities that have a high income yield. It seeks also to enhance total returns through capital appreciation generated by investments which have equity-related characteristics. Quoteddata

U are of the opinion that interest rates will fall, not a given and then your income deposit will fall. U also know that bonds rise when interest rates fall and vice versa when rates rise, which would have kept u well away from the recent blood bath in gilts/bonds.

U want to add a safety net to your portfolio, maybe a fund that pays interest to re-invest as u wait for the next market panic, when u may want to buy a dividend hero Trust, similar to LWDB.

The yield is 6.5%, the next xd date 18/04 but below the yield u need

to compound your dividends in ten years (7%) so u could pair trade it

with a higher yielder, plenty to choose from at present.

GRS

I guess we can all agree, the chart is not a buy at the present time.

Income and Growth 2

Property 4

Loans 2

Renewables 3

ISA’s

by This Is Money

Income funds and dividend-paying stocks continue to be popular among investors this year as they hunt steady returns.

These high yield investments can help to generate extra cash to help in the immediate term, while compounded interest can further boost gains over the long term.

Income-seekers: Investors are looking to income funds and bonds for steady returns

And as the tax burden rises as a result of frozen thresholds, holding income-generating assets in an Isa is more valuable than ever.

We ask experts where income-seeking investors should consider parking their cash.

Why invest for income?
While inflation might be nearing the Bank of England’s 2 per cent target, it continues to eat into savings pots and banks are starting to cut their savings rates.
Adding dividend-paying investments into your portfolio can provide you with reliable income and capital growth.

If you’re looking for shares and funds that will generate income, you will want to target those with a high yield. The higher the yield the more cash it pays out relative to the cost of the fund.
Jason Hollands, managing director of Bestinvest notes that investors ‘should not necessarily pursue the highest yields as this might come at the expense of growth potential.

‘If you need your investments to support you in retirement over many years, it is important that the capital value isn’t eroded and payouts rise over time to offset inflation. Equity income fund offer greater potential for this than bond funds or infrastructure.’

Darius McDermott, managing director of FundCalibre says: ‘Prioritising income in your Isa has multiple benefits: pocketed yield can supplement your lifestyle or help pay the bills, while compounded interest can further boost capital gains over the long term.’

Diversifying your portfolio across different investment styles, assets and geographies will be crucial to ensure it keeps pace with inflation.

Where should income-seeking investors look?
If you are looking to invest for income, you can include any individual shares in companies that pay out dividends.

There are also funds and trusts designed specifically for income, which may be a simpler option.

If you are looking to invest in income funds, look for those with ‘inc’ in their title, rather than ‘acc’ which indicates growth. ‘Inc’ funds will pay dividends straight to investors rather than reinvesting it back into the fund.
Steady Income in Retirement Is Key to Happiness After You Call It Quits

There are plenty of options available to income-seeking investors across equities, bonds and property, as well as alternatives like renewable energ

Dan Coatsworth, investment analyst at AJ Bell, says: ‘The UK market is blessed with lots of income opportunities, many of which pay higher dividend yields than you might find in other geographies such as the US. That is music to the ears of people in retirement who might be reliant on their investments to generate an income to pay the bills.

‘A lot of the UK equity income funds are concentrated in the same group of stocks, principally in the banking, oil and life insurance sectors where some of the most generous dividends can be found.

“The UK market is blessed with lots of income opportunities “
Dan Coatsworth, AJ Bell
‘Earnings growth is low or unpredictable in these sectors, hence why companies use generous dividends to make their shares attractive to investors.’
Paul Angell, head of investment research at AJ Bell favours Man GLG Income which invest in ‘undervalued and unloved companies… those trading below their replacement cost and those where the market appears to be undervaluing profit streams.’

He says: ‘Fund manager Henry Dixon is very experienced and his analytical mindset provides a level of pragmatism that allows the fund to navigate through a variety of market conditions.

‘This is a very actively managed fund, which can diverge significantly from the index and have high levels of turnover. These factors often result in both the fund’s volatility and transaction costs being elevated.’

Hollands singles out Blackrock UK Income which backs companies ‘with strong dividend growth potential rather than the highest payouts today.’

Its top holdings include Shell, AstraZeneca, Rio Tinto and HSBC, and it has a current yield of 3.9 per cent.

Bonds are back in favour
Fixed income can also be a good start for investors looking to add some income to their portfolio. In an era of ultra-low interest rates, bonds were yielding close to 0 per cent meaning they were overlooked by investors.

With rates now at higher levels, investors have fallen back in love with bonds which have ‘reclaimed their rightful place as an income staple,’ says McDermott.
Yields on investment-grade corporate bonds are at their highest levels in years, giving investors the opportunity to lock in income for the foreseeable future.

McDermott favours the Liontrust Sustainable Future Monthly Income fund and Royal London Corporate Bond, both of which currently offer a yield exceeding 5 per cent.

‘Risk averse investors may prefer government bonds, such as gilts or treasuries, which also currently offer competitive yields,’ he says. ‘Historically, they have a negative correlation with equities at times of market stress and therefore can anchor your portfolio should stocks take a dive.’

Jason Hollands recommends TwentyFour Corporate Bond fund, which focuses primarily on investment grade bonds, although it invests in government bonds too.

‘The fund has the flexibility to invest up to 20 per cent in riskier, high yield bonds (those issued by companies with less financial strength). However, in practice these currently represent just 6.4 per cent of the fund.

‘The latest yield on the fund is an inflation and cash beating 6 per cent, with distributions made to investors on a quarterly basis.’

Cheap investment trusts offer attractive yields
Investment trusts also offer opportunity for income because, unlike open-ended funds, trusts can hold back up to 15 per cent from their investments and use it to supplement dividends in future years.

City of London Investment Trust is unrivalled when it comes to payouts having increased its dividend for 58 consecutive years.

Coatsworth says: ‘City of London Investment Trust has a blend of value and income for its investment style. Its 0.37 per cent annual charge is among the lowest in the UK equity income space and a 5 per cent yield is higher than the FTSE 100 which offers 3.9 per cent.

‘One can understand why this trust is so popular among investors given this enhanced yield, with City of London regularly featuring among the most bought investment trusts on the AJ Bell platform.’

Hollands recommends Murray Income Trust which has ‘produced consistent long-term performance, especially in weaker market environments.’

It has grown its dividend every year since 1973 and has a current dividend yield of 4.6 per cent.

He also recommends Temple Bar Investment Trust, managed by value investors Nick Purves and Ian Lance.

‘With the UK market currently unloved and valuations very cheap compared to global equities and longer-term trend, this is exactly the sort of environment throwing up incredible opportunities for the team.’

Trusts focusing on alternative assets like renewable energy, shipping and supermarkets can also provide a reliable income source, says McDermott.

‘Many of these trusts currently trade at substantial discounts to their NAV, despite still offering an attractive and stable dividend, presenting an exceptional opportunity for investors.’