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Partnership share matching scheme December?

19 Aug 2019, 13:53

james wrote:Minus £264 over 11 months.

I haven't offset this figure by taking into account the free shares or dividends as I believe they are a bonus for my investment,my hard earned cash.

That's equity investments for you. They go down as well as up.

Have you included the tax breaks, and the fact that each £1 worth of shares you buy only actually costs you £0.68?

Partnership share matching scheme December?

19 Aug 2019, 14:24

Maybe someone smarter than me could sit down and work it out.
All I see is a share price that should be I think minimum £4-£5.

Partnership share matching scheme December?

19 Aug 2019, 14:48

james wrote:Maybe someone smarter than me could sit down and work it out.

You get tax relief and PSE on your P&M contributions, so each £1 payment on your payslip means your income tax is 20p lower and your NIC's are 12p lower – the government pay that 32p!
Your pension payments are the same as are some things you might be buying via My Bundle.

All I see is a share price that should be I think minimum £4-£5.

What you think the share price should be is irrelevant, it's what it actually is that matters.

But as long as you think it will increase in the future, then you're currently buying in the sales. So when or if it does go back up, then you'll be sitting pretty.

If you're buying at £2 per share at the moment and they go up to £4 next year for example, you'll have doubled your money.
But factoring in the tax breaks, each £2 share is only really costing you £1.36. Meaning your money would actually nearly triple!

So in practice the share price can go down and you can still make a profit!

Partnership share matching scheme December?

19 Aug 2019, 21:20

If you buy £23.07 of shares each month your dividend payment is £222 not bad

Partnership share matching scheme December?

20 Aug 2019, 04:48

james wrote:Maybe someone smarter than me could sit down and work it out.
All I see is a share price that should be I think minimum £4-£5.



As for the SP being considerably below where all metrics suggest it should be at... read up on shorting and that will make you understand why it is where it currently is.

A thoroughly corrupt and devious practice which is actually illegal in many other countries stock markets.

Partnership share matching scheme December?

20 Aug 2019, 11:46

wacko74 wrote:
james wrote:Maybe someone smarter than me could sit down and work it out.
All I see is a share price that should be I think minimum £4-£5.



As for the SP being considerably below where all metrics suggest it should be at... read up on shorting and that will make you understand why it is where it currently is.

A thoroughly corrupt and devious practice which is actually illegal in many other countries stock markets.


Wacko,
Can the shares be shorted week after week,month after month to explain the steady decline from October last year?

Partnership share matching scheme December?

20 Aug 2019, 13:54

james wrote:
wacko74 wrote:
james wrote:Maybe someone smarter than me could sit down and work it out.
All I see is a share price that should be I think minimum £4-£5.



As for the SP being considerably below where all metrics suggest it should be at... read up on shorting and that will make you understand why it is where it currently is.

A thoroughly corrupt and devious practice which is actually illegal in many other countries stock markets.


Wacko,
Can the shares be shorted week after week,month after month to explain the steady decline from October last year?


Yes pretty much so. Once a group of ''investment'' institutions decide to collude and act in unison to target and short a particular stock there's no end of dubious practices they can do to drive the price of that stock down, from fake websites putting out false negative information, to buying each other out of their short positions in off the books trades to keep the price low despite large volume buys taking place.

Partnership share matching scheme December?

20 Aug 2019, 20:13

RobertT wrote:
james wrote:Maybe someone smarter than me could sit down and work it out.

You get tax relief and PSE on your P&M contributions, so each £1 payment on your payslip means your income tax is 20p lower and your NIC's are 12p lower – the government pay that 32p!
Your pension payments are the same as are some things you might be buying via My Bundle.

All I see is a share price that should be I think minimum £4-£5.

What you think the share price should be is irrelevant, it's what it actually is that matters.

But as long as you think it will increase in the future, then you're currently buying in the sales. So when or if it does go back up, then you'll be sitting pretty.

If you're buying at £2 per share at the moment and they go up to £4 next year for example, you'll have doubled your money.
But factoring in the tax breaks, each £2 share is only really costing you £1.36. Meaning your money would actually nearly triple!

So in practice the share price can go down and you can still make a profit!



OK,re-worked the figures taking into account that each £100/month is actually £68 net/month.

So £68 a month for 11 months = £748.
£748 divided by 425 shares gives an average of £1.76.
Again Fridays share price of £1.92 x 425 shares is £816.
Our average of £1.76 x 425 shares = £748.
So at Fridays share price of £1.92 we have a profit of £68.

Anyone else getting these figures?
And I deliberately left out the 2 free shares per month.

Wacko,Thanks for your reply regarding shorting.

Partnership share matching scheme December?

20 Aug 2019, 23:05

Again,using the £68 net/monthly contribution,a breakdown month by month;

Oct.18 27 shares @ £2.51

Nov.18. 28 shares @ £2.42

Dec.18. 38 shares @ £1.78

Jan.19. 34 shares @ £2.00

Feb.19. 33 shares @ £2.06

Mar.19. 35 shares @ £1.94

Apr.19. 43 shares @ £1.58

May19. 40 shares @ £1.70

Jun.19 56 shares @ £1.21

Jul.19. 43 shares @ £1.58

Aug.19. 48 shares @ £1.41

425 shares @ £748 net = £1.76 per share average over the first 11 months of this Partnership & Matching Scheme with a £100 gross/£68 net contribution.

I've not accounted for the 2 free shares per month but they'll dilute the above figures a little more.
Don't forget the 5 year conditional holding period.

If my figures are wrong I apologise in advance but I think they are correct.
I'll try and delete my previous wrong figures.

Partnership share matching scheme December?

21 Aug 2019, 07:59

my share purchase a month looks a little different to yours dont know why, I also did a £100 month

From what I see we are running at a loss at today SP not accounting for the tax relief

430 + 22 * 1.89 = 854.28 plus 76.84 dividend = 931.12

but we paid in 1100 therefore a loss of £170

but if you include the tax relief, something I never thought about till I see this thread 11 * 68 = 748 so a gain of £180

i ve included the free shares and dividends we are getting in a couple of weeks time

(Not added the dividends in january which I think was about £7.92 based on the 93 shares I had in December plus 6 matching shares)

Partnership share matching scheme December?

21 Aug 2019, 10:01

[quote="UglyDef"]my share purchase a month looks a little different to yours dont know why, I also did a £100 month

but we paid in 1100 therefore a loss of £170

but if you include the tax relief, something I never thought about till I see this thread 11 * 68 = 748 so a gain of £180

i ve included the free shares and dividends we are getting in a couple of weeks

I initially thought the exact same myself.
Yes,we paid in £1100 gross but a poster reminded me of the tax/N.I. relief so it is £748 net if you hold them for 5 years.
£68 net x 11 months = £748.

I didn't include the dividends or the free shares in my figures as I see them as a bonus for my investment.

I really just want my figures to show clearly whether this company share plan is worth investing in and at this moment in time,being in profit,I believe it is and will continue with my weekly deductions.

Partnership share matching scheme December?

21 Aug 2019, 10:36

This is why I did not include the dividends/ matching shares in my figures.

I just flicked through the original Partnership Matching booklet and I quote:

"The company does not have to pay dividends."

"Royal Mail reserves the right to vary or withdraw the matching ratio applied at any time."

"There is no formal timeline for the plan."

I hope this makes things clearer.

Partnership share matching scheme December?

22 Aug 2019, 22:17

RobertT wrote:
james wrote:Minus £264 over 11 months.

I haven't offset this figure by taking into account the free shares or dividends as I believe they are a bonus for my investment,my hard earned cash.

That's equity investments for you. They go down as well as up.

Have you included the tax breaks, and the fact that each £1 worth of shares you buy only actually costs you £0.68?

Think about the posties who took part in previous scheme that lasted three years then used the funds saved to purchase RM shares at the supposedly cheap price of 360p. Now those same shares are worth about 200p.

Partnership share matching scheme December?

18 Sep 2019, 08:44

51 shares purchased + 2 free for September @ £2.26 bringing the total for the first year to exactly 500 for those that invested £100/ monthly.

Partnership share matching scheme December?

17 Oct 2019, 11:19

15/10/2019 Share purchased / 43 @ 213.8974p= £91.97 + 2 free.

Still building up nicely and in profit.

Partnership share matching scheme December?

18 Nov 2019, 12:45

15/11/19 = 40 shares purchased + 2 free @ £2.30.

The site must have updated this morning.

Still building up nicely,totalling 559 partnership shares and 28 free shares over 14 months,(£100/monthly investment).

Partnership share matching scheme December?

01 Dec 2019, 19:47

I agree about the £100 per month should only be carrying over less than the price of one share but if you look at your account you'll find;

17/12/18. - £113 was spent.
15/04/19. - £113 again.
17/06/19. - £114 in June.
16/09/19. - £115 in September.

Another kind user near the start of the thread explained how Royal Mail payroll gives the money to Equinti at the end of the month and the shares are purchased roughly two weeks later.
It all made sense once I'd read it.

Partnership share matching scheme December?

01 Dec 2019, 19:49

macphee1 wrote:
wacko74 wrote:My Feb allocation isn't showing up yet and also according to the website my last contribution date was 25/1, so not sure why my last 3 contributions aren't showing either.

Anyone else have similar issues?

(The contributions are still showing on my payslip, so not sure where they've been going!)


I phoned up about this a couple of months ago.Apparently Equiniti take/transfer our deductions on the last day of every month and in between these days our weekly deductions are held by payroll/ Royalmail, probably earning interest. Equiniti then use the money they take to buy shares on the 15th of the next month, ie Equiniti take the money on 31.01.19 and use this money to buy shares on 15.02.19, again probably earning interest. Equiniti can only update our contribution record when payroll transfer the money and they buy the shares.Using this month as an example, all of our contributions after 25.01.19 will be held by payroll/Royalmail until Equiniti take them on 28.02.19, and buy shares on 15.03.19. Only then will our contributions/deductions be updated,and only up to 28.02.19.
It took me a while to get my head round,and I was over an hour on the phone, as I was convinced I was getting screwed over.

Partnership share matching scheme December?

17 Dec 2019, 17:21

The Equinti website must have updated this afternoon for December 2019.

16/12/19 - 46 shares purchased @ £2.49 + 2 free per £100 investment/monthly.

This brings the total to date per £100/monthly investment to 605 partnership shares + 30 free.

Partnership share matching scheme December?

16 Jan 2020, 14:12

January update just now.

15/01/20 = 42 shares purchased @ £2.22 + 2 free per £100 monthly investment.

A running total now of 647 shares purchased + 32 free per £100 monthly investment since the scheme started.

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