FDH Bank Plc (FDH.mw) 2020 Prospectus

first_imgFDH Bank Plc (FDH.mw) listed on the Malawi Stock Exchange under the Banking sector has released it’s 2020 prospectus For more information about FDH Bank Plc (FDH.mw) reports, abridged reports, interim earnings results and earnings presentations, visit the FDH Bank Plc (FDH.mw) company page on AfricanFinancials.Document: FDH Bank Plc (FDH.mw)  2020 prospectus Company ProfileFirst Discount House is a wholly owned subsidiary of FDH Financial Holdings Limited and was licensed as a discount house by the Reserve Bank of Malawi on 20 July 2001. First Discount House is currently the only Discount House in Malawi. Operational since April 2002, the company has grown into one of the strongest and most reliable Financial Services Houses in the country. First Discount House boasts of seasoned financial services experts, continually re-inventing itself to make sure it continues to cater for the ever-changing needs of its clients. First Discount House is listed on the Malawi Stock Exchangelast_img read more

Forget gold and Bitcoin! I’d invest in these 2 FTSE 100 stocks to get rich and retire early

first_imgForget gold and Bitcoin! I’d invest in these 2 FTSE 100 stocks to get rich and retire early I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Image source: Getty Images. “This Stock Could Be Like Buying Amazon in 1997” The prices of gold and Bitcoin may have surged higher in 2019, but there could be better opportunities to generate high returns in the FTSE 100.The index appears to offer a number of shares that trade on low valuations and which offer improving financial prospects. Buying a range of them now could enable you to boost your retirement prospects.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…As such, now could be the right time to buy these two FTSE 100 shares. They appear to be undervalued based on their financial prospects.Rolls-RoyceThe recent update from Rolls-Royce (LSE: RR) was somewhat mixed. Although it showed that the company is making progress in implementing its efficiency drive and free cash flow is on target to reach £1bn in 2020, issues with its Trent 1000 engine have persisted.They have contributed to weaker-than-expected financial performance from the business, as well as deteriorating investor sentiment over recent months. This trend may continue in the short term, but the company expects the Trent 1000 issues to ultimately be resolved.Looking ahead to the next financial year, Rolls-Royce is forecast to post a rise in its bottom line of around 45%. This puts the stock on a price-to-earnings growth (PEG) ratio of just 0.4, which suggests that it offers a wide margin of safety.With demand for civil aircraft and defence-related products expected to rise over the long run, now could be the right time to buy the stock. It may experience further challenges in the short run that cause investor sentiment to decline. But for long-term investors, its low valuation and overall strategy could catalyse its share price performance.RSAInsurance business RSA (LSE: RSA) is another FTSE 100 share that could deliver impressive total returns in the long run. Its recent trading update showed that it is making progress in its aim to improve the customer experience. It has also delivered improved underwriting results, despite market conditions being competitive.The stock is forecast to post a rise in net profit of 8% in the next financial year. Since it trades on a price-to-earnings (P/E) ratio of 12.1, it seems to offer good value for money at the present time when compared to its wider sector. This suggests that it may deliver a rising share price over the coming years.Furthermore, RSA is expected to raise its dividends per share by around 11% in the next two financial years. This puts it on a forward dividend yield of 4.6% from a shareholder payout that is expected to be covered twice by net profit. Therefore, it could become increasingly attractive from an income investing standpoint, which may lead to greater investor demand for its shares. As such, now could be the right time to buy it as its growth and income investing prospects look set to improve. Peter Stephens | Wednesday, 15th January, 2020 | More on: RR RSA Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Our 6 ‘Best Buys Now’ Sharescenter_img Enter Your Email Address Simply click below to discover how you can take advantage of this. I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Peter Stephens owns shares of Rolls-Royce. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. See all posts by Peter Stephenslast_img read more

3 reasons why I’d buy FTSE 100 shares today to beat the State Pension and retire early

first_img Image source: Getty Images Simply click below to discover how you can take advantage of this. “This Stock Could Be Like Buying Amazon in 1997” Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Peter Stephens has no position in any of the shares mentioned. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. The State Pension age is set to rise to 67 over the next decade. Further rises would be unsurprising in the long run, since increasing life expectancy and an uncertain economic outlook could mean the political consensus focuses on reducing the cost of retirement benefits.Alongside a rising State Pension age, the low level of payment to retirees means having a second income is highly important for most people. The State Pension currently amounts to just £8,767 per year, which is unlikely to provide financial freedom in older age.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…As such, with the FTSE 100 offering a strong track record of growth, low valuations and an opportunity to diversify, now could be the right time to start building a retirement portfolio to help you beat the State Pension.Track recordWhile having cash savings and investing in bonds may have been worthwhile in the past, low interest rates mean the FTSE 100 could offer significantly higher returns in the coming years. It has recorded an annualised total return of around 9% since its inception in 1984. With cash savings and bonds currently offering returns struggling to beat inflation in many cases, their potential to catalyse your retirement portfolio seems to be slim.Of course, the FTSE 100 may experience periods of decline in the coming years. Risks such as Brexit, US political uncertainty, and geopolitical challenges in the Middle East may hold back investor sentiment and could produce paper losses for investors. But adopting a buy-and-hold strategy could lead to high returns, with the index’s track record showing it has always recovered from its lows to post new highs.Low valuationsAt present, the FTSE 100 appears to offer good value for money. It currently yields around 4.4%, which is above its long-term average. This suggests there’s a wide margin of safety on offer, and that the index may produce stronger total returns than it has done in the recent past.Attractive valuations also suggest investors may be able to lower their overall risks, since many of the uncertainties facing the world economy appear to be priced in to FTSE 100 stocks’ valuations. This could mean the risk of losing money is relatively limited, since investors may already be expecting a difficult period in the near term that’s currently reflected in lower valuations across the FTSE 100.Diversification potentialWith the UK facing a transitional period as it leaves the EU, diversifying across the global economy could be a good idea when it comes to building your retirement portfolio. The FTSE 100 currently generates around two-thirds of its income from outside the UK, which means investing in it could reduce your overall risk and enable you to benefit from strong growth rates in emerging economies. This could further improve your returns and help you to beat the State Pension and retire early.center_img Our 6 ‘Best Buys Now’ Shares See all posts by Peter Stephens Enter Your Email Address I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. 3 reasons why I’d buy FTSE 100 shares today to beat the State Pension and retire early Peter Stephens | Saturday, 8th February, 2020 last_img read more

As the stock market crash continues, I’d buy these 2 FTSE 100 stocks in an ISA right now

first_img “This Stock Could Be Like Buying Amazon in 1997” As the stock market crash continues, I’d buy these 2 FTSE 100 stocks in an ISA right now Our 6 ‘Best Buys Now’ Shares Image source: Getty Images. I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Simply click below to discover how you can take advantage of this. Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge!center_img Peter Stephens owns shares of AstraZeneca and Royal Bank of Scotland Group. The Motley Fool UK has recommended AstraZeneca. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Peter Stephens | Tuesday, 24th March, 2020 | More on: AZN NWG The FTSE 100’s 32% crash since the start of the year could continue in the coming weeks. The situation regarding coronavirus is impossible to accurately predict. That may lead to investors demanding even wider margins of safety from large-cap shares.However, valuations now suggest there could be opportunities for long-term investors. Many FTSE 100 stocks offer wide margins of safety and the potential for improving returns in the coming years.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…As such, now could be the right time to buy these two stocks as part of a diverse ISA portfolio, and hold them for the long run.AstraZenecaAstraZeneca’s (LSE: AZN) defensive characteristics have been evident in recent weeks. Its shares are down by 10% in 2020, which is less than a third of the FTSE 100’s decline.The company is less reliant on the world economy’s performance for its sales. But disruption to global supply chains and weak economic performance may have a negative impact on the pharmaceutical and biopharmaceutical giant’s performance in the near term.However, AstraZeneca’s recent updates have shown it’s making headway in delivering improving financial performance. For example, its new medicines recorded sales growth of 62% last year. Since they now make up 42% of its total product sales, they’re likely to have a significant impact on its future financial performance.The stock’s recent decline means that it appears to offer relatively good value for money. It’s forecast to post a rise in its bottom line of 27% next year. Trading on a price-to-earnings (P/E) ratio of 21. And having a defensive business model means that now could be the right time to buy a slice of AstraZeneca and hold those shares for the long run.RBSWhile AstraZeneca offers defensive characteristics, other FTSE 100 stocks, such as RBS (LSE: RBS), have fallen by a much greater amount than the index in recent weeks. The bank’s share price is down by 52% since the start of the year, as investors have reacted to a challenging outlook for the UK economy.Furthermore, the banking sector may find the task of generating improving returns more difficult in a low interest rate environment. With interest rates at historic lows and monetary policy likely to remain accommodative over the medium term, the financial prospects for the banking industry could prove to be challenging.However, RBS now trades on a P/E ratio of around 6. This suggests investors have priced in the potential difficulties it may face, and that it now offers a wide margin of safety.Certainly, it may experience further declines in the short run. But, with its recent results showing an improving operational performance from the bank, now could be a buying opportunity. That’s the case for long-term investors who can accept short-term volatility for high-potential rewards in the coming years. Enter Your Email Address I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. See all posts by Peter Stephenslast_img read more

Housebuilding stocks are underpriced: these cheap FTSE 250 shares are my top picks

first_imgHousebuilding stocks are underpriced: these cheap FTSE 250 shares are my top picks “This Stock Could Be Like Buying Amazon in 1997” See all posts by Stuart Blair Image source: Getty Images. I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Simply click below to discover how you can take advantage of this. Stuart Blair owns shares in Vistry Group and Bellway. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors.center_img Enter Your Email Address Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Stuart Blair | Tuesday, 12th May, 2020 | More on: BWY VTY Our 6 ‘Best Buys Now’ Shares Housebuilding stocks have been significantly affected due to the coronavirus pandemic. This has led to building sites being shut down, dividends being cut, and estate agents closed. Nevertheless, with the construction sector restarting over the past couple of weeks, I believe housebuilding stocks now look drastically underpriced. This is despite housing demand remaining strong and large numbers of first-time buyers searching for cheap options.Even so, with some estimates predicting a 37% fall in housing sales for this year, the housing sector is still on perilous ground. This means that not all housebuilding stocks will recover as fully as others. For this reason, it is important to be discerning when choosing the best housebuilders.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…I believe that these two FTSE 250 companies are in the best position for the recovery.A five-star housebuilding stockThe first FTSE 250 company that stands out is Bellway (LSE: BWY). Bellway is the fourth largest housebuilding stock in the UK and has consistently received excellent consumer satisfaction. In fact, over 90% of its customers state that they would recommend it to a friend. This has resulted in a strong order book of approximately c.£1.6 billion. Consequently, the housebuilder is in an excellent position once housing sales start to increase again.Bellway also has a flawless balance sheet, which includes more cash than debt. This will ensure that Bellway is in a strong position to deal with the impacts of coronavirus and will be able to spend cash where necessary.A housebuilder with significant insider buyingAnother FTSE 250 housebuilder that is especially appealing is Vistry Group (LSE: VTY). Vistry (previously Bovis Homes) has been the worst affected housebuilding stock over the past couple of months, with a c.45% year-to-date drop.Although this may be worrying, this underperformance may be due to the acquisition of Linden Homes for c.£1.1 billion just before the crisis. This has led to worries over Vistry’s liquidity. Nevertheless, this acquisition has established Vistry as a leading housebuilder and this should result in benefits in the near future.One particular aspect that attracts me to Vistry stock is the amount of insider buying. Since the start of March, nearly 100,000 Vistry shares have been bought by seven different insiders. As Peter Lynch has said, “insiders might sell their shares for any number of reasons, but they buy them for only one: they think the price will rise.” This insider buying is a strong sign of faith in the recent acquisition and the future of the company.The FTSE 250 housebuilder has also noted that traffic to its website has remained strong throughout the pandemic and this is “an indication of the continued underlying demand”. The recent £58 million deal to build 200 homes in Exeter is an example of the demand that still exists and how Vistry ought to profit from it.To conclude, I believe that these two cheap FTSE 250 housebuilding stocks offer excellent value and significant potential for the future. Whilst I can also see significant potential in other housebuilding stocks (such as Taylor Wimpey and Persimmon), I think that Bellway and Vistry are the two housebuilding stocks best placed for the recovery. I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool.last_img read more

3 reasons to buy cheap FTSE 100 shares that could help you make a million

first_img Our 6 ‘Best Buys Now’ Shares I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Rachael FitzGerald-Finch | Thursday, 14th May, 2020 | More on: ^FTSE “This Stock Could Be Like Buying Amazon in 1997” Image source: Getty Images Rachael FitzGerald-Finch has no position in any of the shares mentioned. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. As the FTSE 100 has plunged, many investors have locked in paper losses by selling their shares. It is understandable – if everyone else seems to be selling stocks, the impulse to do so too is really powerful.If you did sell on the footsie’s way down, there are many good reasons to buy back in before it rebounds. Especially if you realised a loss this year.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…Historically, stock market crashes are followed by recoveries. By not making the most of the 2020 bear market and buying cheap FTSE 100 shares, you could miss out on the recovery and making that million.Here are three other reasons to do it:Diversify your portfolioBonds have long been considered ‘safe’ assets. In times of uncertainty, many investors dump their FTSE 100 stocks and buy bonds to try to limit the losses on their stocks. Consequently, footsie share prices plummet and bond prices rocket. Likewise, in more optimistic times, many investors buy stocks and sell bonds to try to make big gains.Dividing your portfolio between stocks and bonds reduces your risk of loss for both asset classes. However, it’s far better value to increase your holdings of each class at the best time, which is when they’re selling for bargain prices.Bonds are on sale when many investors are buying stocks and selling bonds – in a bull market. But, for FTSE 100 stocks, the best time is when many investors are buying bonds and selling their stocks – in a bear market.    Reduce your risk on the FTSE 100Investors always risk being wrong. It goes with the territory of investing. However, not overpaying on any investment reduces your risk of smaller returns, losing money, and being wrong!Many investors, myself included, buy into companies listed on the FTSE 100 because they are great companies. Most are well run with good prospects for the future. Consequently, shares for these companies are in high demand, which pushes up the share price.Moreover, inflated share prices can make for fairly speculative purchases, even for FTSE 100 listed companies. This is because a business cannot physically grow and profit at the rate expected of it by the high market price. At a certain point, investors stop buying the shares and the stock price begins to drop.This speculation increases an investor’s risk as the more speculative a stock, the smaller your return becomes. For this reason, as stocks get more expensive, they become riskier.You can’t eliminate risk but you can manage it. Buying FTSE 100 stocks when on sale is a great way to do this.Get higher returnsThe future value of an investment depends on the purchase price. The higher the price, the lower the return, especially for income investors. Therefore, it makes sense to buy stocks when they’re on sale.Bear markets provide a great opportunity for buying stocks on sale but it’s true that there is a risk of the share price going down further after you buy. However, for a long-term investor, this temporary drop should not be a big concern. Moreover, market irrationality often means a pessimistic bear market is unjustified, and historically, a recovery will follow.Now is a great time to reduce your risk and diversify your portfolio by adding cheap FTSE 100 stocks to increase your returns and make that million. Simply click below to discover how you can take advantage of this.center_img 3 reasons to buy cheap FTSE 100 shares that could help you make a million Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Enter Your Email Address I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. See all posts by Rachael FitzGerald-Finchlast_img read more

I think these bargain FTSE 100 shares could help you become an ISA millionaire

first_img Enter Your Email Address 5 Stocks For Trying To Build Wealth After 50 I think these bargain FTSE 100 shares could help you become an ISA millionaire Image source: Getty Images Kevin Godbold | Monday, 15th June, 2020 I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Kevin Godbold has no position in any share mentioned. The Motley Fool UK owns shares of and has recommended GlaxoSmithKline and Unilever. The Motley Fool UK owns shares of Next. The Motley Fool UK has recommended Burberry, Diageo, and Sage Group. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Our 6 ‘Best Buys Now’ Sharescenter_img See all posts by Kevin Godbold Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Markets around the world are reeling from the coronavirus pandemic…And with so many great companies trading at what look to be ‘discount-bin’ prices, now could be the time for savvy investors to snap up some potential bargains.But whether you’re a newbie investor or a seasoned pro, deciding which stocks to add to your shopping list can be daunting prospect during such unprecedented times.Fortunately, The Motley Fool is here to help: our UK Chief Investment Officer and his analyst team have short-listed five companies that they believe STILL boast significant long-term growth prospects despite the global lock-down…You see, here at The Motley Fool we don’t believe “over-trading” is the right path to financial freedom in retirement; instead, we advocate buying and holding (for AT LEAST three to five years) 15 or more quality companies, with shareholder-focused management teams at the helm.That’s why we’re sharing the names of all five of these companies in a special investing report that you can download today for FREE. If you’re 50 or over, we believe these stocks could be a great fit for any well-diversified portfolio, and that you can consider building a position in all five right away. Click here to claim your free copy of this special investing report now! Simply click below to discover how you can take advantage of this. Last week, many bargain FTSE 100 shares dropped back. And that weakness in the markets may have been a bit of a shock to people after the robust rally we’d been seeing off the coronavirus lows of the spring.And we can find several bearish voices warning of a second crash in the stock market. But analysts at JP Morgan are more optimistic. They see “plenty of upside for equities in the medium to long term.” And compounding such gains could help you become an ISA millionaire over time.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…Why I’d buy bargain FTSE 100 sharesI think JP Morgan may be right. We could argue that the fast bounce-back rally had been getting ahead of itself, particularly in US markets. But the fundamentals driving the rally remain in place. Indeed, we’ve been seeing fast economic recovery emerging because of the easing of lockdowns. The pandemic is largely being controlled (so far), and governments are throwing massive fiscal stimulus at the economic problem.In England, today’s the day non-essential shops can throw open their doors for their customers once again. Some people have been fretting that fear about the pandemic could keep customers away from shops. But I reckon there’s pent-up demand and sales will likely be brisk everywhere. Of course, social distancing measures will have some effect on how much of the demand stores can satisfy.But queues for drive-through takeaways have been huge since they reopened. And I’d have thought those fearful of catching a virus might have avoided fast food. But there isn’t much evidence people are avoiding takeaway food. So why would those people avoid using other shops? There are some parallels in the way supermarkets have been trading so well through the crisis. To me, it’s a natural extension to expect similar levels of business in non-essential shops.We could be seeing opportunityMeanwhile, we’ve seen a few scary numbers about how far GDP has plunged over the past couple of months in the UK. Indeed, the economy essentially stopped in the lockdown. Those numbers were always going to be big, but the recovery will likely be rapid as economic activity resumes. Meanwhile, the recent back-step in the stock market has blown off some of the speculative froth.We could be seeing a good opportunity to pick up shares in the cyclical sectors that stand to benefit from recovering revenues. For example, FTSE 100 retailers such as Next, Burberry and JD Sports Fashion.However, in a balanced long-term portfolio, I’d also consider defensive FTSE 100 names. For example, tobacco and smoking products company British American Tobacco has an attractive-looking valuation.  I’d also consider premium alcoholic drinks provider Diageo and pharmaceutical firm GlaxoSmithKline. And in the energy space, National Grid and SSE.Others could make decent long-term investments from here too, such as fast-moving consumer goods giant Unilever and cloud-based business software and service provider Sage.Overall, I’m much more likely to be a buyer of shares in the recent market pull-back than I am a seller.last_img read more

Are you one of thousands making this retirement investing mistake?

first_imgAre you one of thousands making this retirement investing mistake? Kevin Godbold | Sunday, 28th June, 2020 Enter Your Email Address If your retirement investing strategy relies on putting regular money in a cash savings bank account, you could be making a BIG mistake.Bank interest rates have recently lurched down another notch. The highest rates I can find are around 2.75% for regular saver accounts and some current accounts. But you can’t save much with those because of upper limits for monthly and total sums saved. And, often, the deals only last for a year before reverting to very small interest rates.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…Retirement investing needs gains above inflationIndeed, the landscape is barren when it comes to investing in bank accounts for saving cash. And one of the main dangers is the value of your money in cash accounts will likely lose ground against general price inflation.Instead of declining, your retirement savings need to work hard for you and increase in value over time above the rate of inflation. And to achieve that, you need a higher rate of annualised return.Many people turn to the stock market for these higher returns. Over the long haul, shares in general have outperformed the other major classes of assets, such as property, bonds, and cash savings.Rising share prices can combine with income from shareholder dividends to produce annual returns that beat the interest rates paid by cash savings accounts. And if you compound those gains by ploughing them back into shares, your pension pot could grow nicely, over time.One way to get involved with share-backed investments is to put regular money into a fully-managed pension fund. If your employer has a workplace pension scheme, that’s usually a good option. Indeed, your employer will often add extra money on top of what you pay in each month, which can be a big boost to your pension pot.On top of this, saving in a pension scheme is tax-efficient. But if you can’t get into a workplace scheme, you can simply invest in a fully-managed personal pension on your own. And that’s still a good deal when it comes to tax.Controlling your own stock market investmentsIf you want more control over the investments going into your pension pot, you can choose a Self-Invested Personal Pension (SIPP). Or you can go for a Stocks and Shares ISA. Both have tax advantages and are worth considering.Within those ‘wrappers’ you can invest in managed funds of your choice. Or you can choose low-cost index tracker funds, such as those that follow the fortunes of the FTSE 100, FTSE 250, America’s S&P 500, and many others. And if you’re prepared to work hard at research, you can invest in the shares of individual companies too.Some retirement investors build a core of well-diversified funds in their portfolios and add a few shares of individual companies as well. Individual company shares can help you beat the returns from the general stock market, if you choose carefully. Kevin Godbold has no position in any share mentioned. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Markets around the world are reeling from the coronavirus pandemic…And with so many great companies trading at what look to be ‘discount-bin’ prices, now could be the time for savvy investors to snap up some potential bargains.But whether you’re a newbie investor or a seasoned pro, deciding which stocks to add to your shopping list can be daunting prospect during such unprecedented times.Fortunately, The Motley Fool is here to help: our UK Chief Investment Officer and his analyst team have short-listed five companies that they believe STILL boast significant long-term growth prospects despite the global lock-down…You see, here at The Motley Fool we don’t believe “over-trading” is the right path to financial freedom in retirement; instead, we advocate buying and holding (for AT LEAST three to five years) 15 or more quality companies, with shareholder-focused management teams at the helm.That’s why we’re sharing the names of all five of these companies in a special investing report that you can download today for FREE. If you’re 50 or over, we believe these stocks could be a great fit for any well-diversified portfolio, and that you can consider building a position in all five right away. Click here to claim your free copy of this special investing report now! Our 6 ‘Best Buys Now’ Sharescenter_img See all posts by Kevin Godbold 5 Stocks For Trying To Build Wealth After 50 Simply click below to discover how you can take advantage of this. Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Image source: Getty Images I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement.last_img read more

Looking for a rising passive income in retirement? I’d check out the Sainsbury’s share price

first_img Harvey Jones has no position in any of the shares mentioned. The Motley Fool UK has recommended Tesco. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. The Sainsbury’s share price has looked to be past its sell-by date for years. It’s at least five years since I swept the UK’s second-biggest supermarket from my watchlist. Subsequent performance gives me little to regret. Incredibly, the stock trades 40% lower than it did 10 years ago.But this morning, J Sainsbury (LSE: SBRY) served up a healthy 8.2% rise in first-quarter sales, driven by pandemic stockpiling. Online sales doubled as housebound customers scrambled to book home delivery slots. 5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…Sainsbury’s reported a £500m “profit impact” from Covid-19 overall, with clothing sales down 26.7% and fuel down 56.1%, and staff safety measures adding to costs. However, this was broadly offset by business rates relief and stronger grocery sales.The Sainsbury’s share price has dippedExcitement today centred around Argos. Sales rose 10.7% as locked-down Britons snapped up laptops, computer games, baking equipment and home office furniture. Former CEO Mike Coupe’s acquisition looks to be paying off.Yet after an early jump, the Sainsbury’s share price retreated and is down around 1.5% at time of writing. Investors clearly anticipated the jump in online grocery shopping. The challenge now is to hold on to its new shoppers, amid intense competition.At the start of 2018, Sainsbury’s market share stood at 16.2%, according to Kantar Worldpanel. It has since slid to 14.9%. The decline is inexorable, even if growth rates at discounters Aldi and Lidl are slowing. Margins are tight and Tesco‘s decision to price-match Aldi could up the pressure on Sainsbury’s.Investors would now like to see a bounce-back in general merchandise sales, as the lockdown is eased. This is still a strong start for new boss Simon Roberts, the worry now is that customers will feel squeezed if unemployment rises sharply after the furlough scheme ends.Roberts was being cautious today, warning of the positive impact recent sunny weather has had on sales at the FTSE 100 company, which may not last. The long-term impact of Covid-19 on sales and costs is impossible to predict, although underlying profit is expected to be the same as last year.The share price looks cheap, judged by conventional metrics. Right now, it trades at just 11.2 times forward earnings.Top FTSE 100 dividend stockThere is no dividend, remember. This was suspended in April, even though rival Tesco has stood by its payout. Interestingly, recent Sainsbury’s share price performance has been marginally better. It is up 7.5% in the last month while Tesco is down 2%. I suspect investors are indulging in a bit of profit-taking today, because these are good results.The dividend will return at some point. Right now, analysts are forecasting a yield of 4.8% in 2021, and 5.1% in 2022. That is the main reason to buy into the Sainsbury’s share price – for income. Share price growth has been non-existent for years.At today’s low value, right now could still prove a good entry point for long-sighted income seekers.There could be better options though. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Image source: Getty Images. Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Our 6 ‘Best Buys Now’ Shares I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement.center_img Enter Your Email Address Looking for a rising passive income in retirement? I’d check out the Sainsbury’s share price Simply click below to discover how you can take advantage of this. “This Stock Could Be Like Buying Amazon in 1997” Harvey Jones | Wednesday, 1st July, 2020 | More on: SBRY See all posts by Harvey Joneslast_img read more

A FTSE 100 dividend stock I think will pay you for the rest of your life

first_imgSimply click below to discover how you can take advantage of this. Our 6 ‘Best Buys Now’ Shares Image source: Getty Images. See all posts by Rupert Hargreaves “This Stock Could Be Like Buying Amazon in 1997” Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! A FTSE 100 dividend stock I think will pay you for the rest of your lifecenter_img I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Rupert Hargreaves | Sunday, 2nd August, 2020 | More on: ULVR Enter Your Email Address Rupert Hargreaves owns shares in Unilever. The Motley Fool UK has recommended Unilever. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. This year, many FTSE 100 businesses have been forced to slash their shareholder distributions. Dividend cuts and deferrals of UK companies have now topped £30bn. This has left income investors with a large hole in their portfolios. However, there is at least one FTSE 100 dividend stock that has been able to avoid the carnage. FTSE 100 dividend stock to buy Unilever (LSE: ULVR) is one of the FTSE 100’s top income stocks. With a dividend yield of around 3.1% at present, the company does not offer the highest level of income in the FTSE 100. The average yield in the index is about 4%. Still, what the group lacks in yield it more than makes up for in sustainability. 5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…As one of the world’s largest consumer goods companies, Unilever is a reasonably defensive business. Its recent trading update showed just how defensive the group’s operations are, especially in uncertain times.Underlying sales declined by 0.3% in the second quarter. That’s the first time in 14 years the FTSE 100 dividend stock has reported a decline in sales, but considering the impact coronavirus has had on the global economy, it’s highly impressive. Rising sales of cleaning products and ice cream helped the business offset declines in other areas. Sales of ice cream jumped 26% in the second quarter. This performance allowed management to keep the company’s dividend payout in place. Long-term strength Unilever’s performance over the past six months shows why the company is a champion FTSE 100 dividend stock, in my opinion. The group’s international operations and defensive product lines have helped it navigate the pandemic with relative ease. These advantages may also help the business prosper for many years to come. Unilever’s profitability means the company has plenty of cash to reinvest back into its operations. This implies that the corporation can continue to change with the times and meet changing consumer tastes. This could also be a positive for the company’s dividend growth. Thanks to rising profitability, the FTSE 100 dividend stock has been able to increase its annual payout to investors by a third over the past six years. As management continues to invest in the group’s growth, it seems highly likely this trend will continue. The bottom line The outlook for the global economy is highly uncertain at present. However, Unilever has shown over the past six months that the company has what it takes to navigate the storm successfully. This suggests that no matter what happens throughout the rest of 2020, the FTSE 100 dividend stock may continue to register a positive performance. What’s more, despite its recent performance, the stock is still trading nearly 20% below its all-time high reached in September 2019. This implies that the blue-chip income champion may offer a margin of safety at current levels.As such, now may be a good time to snap up a share of this FTSE 100 dividend stock.last_img read more