The latest news and discussion on Royal Mail Shares.Please note the advise given in this forum is unofficial, please use the links we have for a more detailed response or see an independent financial adviser. All news and discussion on Daniel Kretinsky's full takeover of Royal Mail.
bullhead wrote:Not sure if it's been mentioned elsewhere, but if I was to die without having cashed in my shares , then would my NOK ( my son) be able to receive them if I left them to him in my will. Would rather sell them if it meant him getting something rather than leave them in and then being divied up by Moya and Co and him getting nowt
If you leave Royal Mail for the following reasons, you will not lose your Free Shares and will not have to pay income tax or National Insurance on their value.
• You have an injury or disability which means you can no longer do your job
• You are made redundant
• You retire
• The part of the company or business you work for is sold or transferred • You die (in this situation, the people managing your estate will not have to pay income tax or National Insurance on the value of your Free Shares)
If you leave Royal Mail for any of the reasons above, the Trustee will take your Free Shares out of the SIP. You will not pay any income tax or National Insurance on the value of your Free Shares, regardless of when you leave.
You (or, if you have died, those managing your estate) may instruct the Employee Share Offers administrator, Equiniti, to transfer the shares to you (or those managing your estate) or to sell your shares. If you give no instructions, your shares will be sold by Equiniti and you (or your estate) will receive the money made from the sale (after a fee has been deducted for selling your shares).
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milly wrote:
Most of the people who are selling in my office never have two ha'pennies to rub together and live from hand to mouth.
Reminds me of a quote I read on Facebook
"Rich people stay rich by spending like they're poor.
Poor people stay poor because they spend like they're rich"
Timestamp
What sensible person would sell something for only 2/3rds of it's value ???
good quote. Really don't know how people earning £400+ a week with all the overtime can still be skint enough to sell their shares losing a grand in the process. Are some people really that thick?
I work in a large parcelforce depot and speaking to others I would say about 50% of people are selling , mad in my opinion but some need it more than others I guess!
Spedley wrote:So the even though the price was only recorded as fluctuating to £5.14 it actually reached 5.1686 for a short period of time?
Sorry only just seen this post.
Yes, but thats normal.
Shares sold on the stock market have 5 principle points.
1.The starting price.
2.The Closing price.
3. The lowest Price.
4. The highest price
5. The mid point price.
1 and 2 are self-explanatory as are 3 and 4, but these are independent of 1 and 2 and can be lower or higher due to fluctuations in the market.
5 is a figure used, at least in our scheme, to work out the tax implications when you trade them in between 3 and 5 years.
All post by me in Green are Admin Posts. Any post in any other colour is my own responsibility. If you like a news story I posted please click the link to show support Any news stories you can't post - PM me with a link My sharing of news articles should not be interpreted as an endorsement or condemnation of any particular viewpoint or the issues presented. I share them solely for informational purposes.
That being said, if enough are desperate enough (or daft enough) to sell, it will in all likelihood present a decent buying opportunity for some (including myself - sorry )
Down to 482 today - could go to perhaps 460 with a sell off over the next few weeks. Might place a buy limit at 465. Sell at 515 within a couple of months. 11% in 3 months would be very nice indeed.
soi6tiger wrote:Its a no brainer, keep them for another 2 years and earn yourself another 32%.
No bank in this land would offer you 32% interest on an investment of less than 3k over 2 years !!!!
Actually, Person A selling at today's price (if we were already at October 17th) would have received about £2012.50
Person B, selling at the same price in October 2018, with no tax or NI deductions, would receive £2959.56
Add to that about £271 in dividends that Person B gets, which Person A will not, and the total return is...
soi6tiger wrote:Its a no brainer, keep them for another 2 years and earn yourself another 32%.
No bank in this land would offer you 32% interest on an investment of less than 3k over 2 years !!!!
Actually, Person A selling at today's price (if we were already at October 17th) would have received about £2012.50
Person B, selling at the same price in October 2018, with no tax or NI deductions, would receive £2959.56
Add to that about £271 in dividends that Person B gets, which Person A will not, and the total return is...
About 60% more
But the dividends and future share price aren't guaranteed so if the share price went down by £1.50 by the time you came to sell, then you will have gained nothing for keeping them the extra 2 years. It's important that you realise this, as lots of my former colleagues got a rude awakening when their Halifax shares plummeted in value.
I will be keeping mine only because I don't need the money at this time and would fritter it away if I cashed in now..
I will be keeping mine as I just see them as free money but
soi6tiger wrote:Its a no brainer, keep them for another 2 years and earn yourself another 32%.
No bank in this land would offer you 32% interest on an investment of less than 3k over 2 years !!!!
Actually, Person A selling at today's price (if we were already at October 17th) would have received about £2012.50
Person B, selling at the same price in October 2018, with no tax or NI deductions, would receive £2959.56
Add to that about £271 in dividends that Person B gets, which Person A will not, and the total return is...
About 60% more
But the dividends and future share price aren't guaranteed so if the share price went down by £1.50 by the time you came to sell, then you will have gained nothing for keeping them the extra 2 years. It's important that you realise this, as lots of my former colleagues got a rude awakening when their Halifax shares plummeted in value.
I will be keeping mine only because I don't need the money at this time and would fritter it away if I cashed in now..
I will be keeping mine as I just see them as free money but
Good point,I always adhere to the saying "A bird in the hand is worth 2 in the bush"
So i will probably cash mine and if people are better off in 2 years by keeping them,Good on them.
another point the reason the share price is dropping Deutsche Post rm shares are very volatile you really dont know what will happen in the next 2 years but looking at the last few days well its a big gamble Deutsche Post dont spend nearly 300 million for nothing and they will be coming for rm business sooner or later and you might find that share price dropping even further so the ones who do sell next month might have the last laugh here just saying they might pay tax and insurance now and loose out on a grand in 2 years u might loose a lot more one more thing i find very odd share holders where never told about the uk mail buy out by Deutsche Post and after reading this was common knowledge to some 3 days before and you really think them shares are safe
RM shares are pretty much guaranteed. There is no way this country can survive without a postal service and if the competition becomes very strong then the USO or other such restraints will be lifted giving a massive boost. If anything is going to be a problem in the future for long term profits then you will have plenty of warning.
That being said, if enough are desperate enough (or daft enough) to sell, it will in all likelihood present a decent buying opportunity for some (including myself - sorry :oops: )
Down to 482 today - could go to perhaps 460 with a sell off over the next few weeks. Might place a buy limit at 465. Sell at 515 within a couple of months. 11% in 3 months would be very nice indeed.
Thats the theory anyhow.
Now - whats 11% of £75 ? :hmmmm :Very Happy :Very Happy :Very Happy
great plan unless it goes down to 320 like Liberum have been claimed to say theyre worth. Truth is, I dont know if they will go up or down further. You seem pretty sure theyll go up so I hope they do, but I dont think its automatic like you make it seem.
viking1488 wrote:another point the reason the share price is dropping Deutsche Post rm shares are very volatile you really dont know what will happen in the next 2 years but looking at the last few days well its a big gamble Deutsche Post dont spend nearly 300 million for nothing and they will be coming for rm business sooner or later and you might find that share price dropping even further so the ones who do sell next month might have the last laugh here just saying they might pay tax and insurance now and loose out on a grand in 2 years u might loose a lot more one more thing i find very odd share holders where never told about the uk mail buy out by Deutsche Post and after reading this was common knowledge to some 3 days before and you really think them shares are safe
youre right the Deutsche Post coming into the market seems to be why RM price has dipped. However if i wasnt leaving in the next few months id probably hold onto them, even if RM price did crash im not sure it would get lower than the value after amount of tax you have to pay for cashing in your shares on the 15th. I certainly wont be buying more shares though !
That being said, if enough are desperate enough (or daft enough) to sell, it will in all likelihood present a decent buying opportunity for some (including myself - sorry )
Down to 482 today - could go to perhaps 460 with a sell off over the next few weeks. Might place a buy limit at 465. Sell at 515 within a couple of months. 11% in 3 months would be very nice indeed.
Thats the theory anyhow.
Now - whats 11% of £75 ?
great plan unless it goes down to 320 like Liberum have been claimed to say theyre worth. Truth is, I dont know if they will go up or down further. You seem pretty sure theyll go up so I hope they do, but I dont think its automatic like you make it seem.
No, I'm not sure at all.
It's definitely not automatic.
Trade at your own risk.
)
