Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk

Royal Mail Floatation – I’m in. Are you??

Royal MailWeekend Press read, blogs followed, mind exercised and YES I am investing.

  • Have I read the Prospectus line by line? No
  • Have I taken apart the financials? No
  • Am I an expert in industrial relations? No
  • Do I believe all I have read? No

So why does it just make sense to me?

  • The offer looks to be sensibly priced.
  • Demand will exceed supply.
  • Proposed dividends are well above average.
  • I am not locked in. No cost to buy and £ 11.95 to sell ( Hargreaves Lansdown)
  • I think the possible rewards exceed the risks.
  • The Government will look very silly if this is not a success.

My strategy?

Take a quick profit if possible. I will sell if I can make 20% within the first three months and not look back.

If it goes wrong take a quick loss. If the price falls by 10% in the first three months I’m out.

Still in after three months? Then I am happy to hold for the above average dividend.

But is it right for you? You could fill in a 16 page questionnaire to see whether it fits your risk profile but even then you might get the wrong answer!! Don’t even think about it if :-

  1. A 10% loss would cause you any financial problems.
  2. You are not prepared to stay in for the medium term if there are not quick profits to be made.
  3. It would take you more than a couple of hours to get over the annoyance, frustration and disappointment of having sold at a loss!!!.
  4. You are not prepared to write down your strategy and stick with it.

One final question – DOES IT MAKE SENSE TO YOU?

Best of luck. Don’t forget this is not advice. It’s your money. Make your own decisions!!!


This document and our on going services are not personal advice. We'll give you all the help and guidance you need to make your investment and retirement decisions, but we can't advise you. If you're not sure whether you need regulated financial advice we can put you in touch with a suitably qualified and experienced regulated adviser. Because we are not regulated by the Financial Conduct Authority you will not have access to the Financial Ombudsman Service in respect of any complaints. If you use one of the "no advice" on line services to handle investment transactions they will be Regulated and you will have access to the Ombudsman and The Financial Compensation Scheme in respect of their services. The value of investments/pension plans can fall or rise depending on market performance. The Retirement Team and The Investment and Retirement Coach are trading names of Capture Success Ltd Reg No 01825075 Tel 07770575122

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