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Retire early and boost your State Pension with FTSE 100 dividends!

first_img You may be tentatively contemplating retirement or ready to embrace it with open arms. Whichever it is, you’ll enjoy retirement a lot more with money in your pocket.State Pension woesThe retirement age to qualify for the State Pension has been creeping up in recent years. It’s now age 67 and many people predict it won’t be long until it’s 70. The State Pension is £168.60 per week, equivalent to £8,750 a year, which is unlikely to allow many working people to maintain their lifestyle in retirement. So, if you’re one of those hard-working individuals seeking a way to retire early using self-generated income, then who can blame you?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…Retire earlyLong relaxing days spent with those you love is the dream of retirement for many. One reason people aim for early retirement is to get the most out of life while relatively young and fit. Another is getting away from working in a stressful and often thankless environment. But you need money to do it. Money should not be the be-all and end-all of retirement, but it helps. Can you keep up your lifestyle in retirement? Consider the implications of having to work longer if you’re unwell, followed by having to survive on the meagre State Pension. But how can you increase your pension pot? I would always advise investing in FTSE 100 companies or buying into a fund that tracks the FTSE 100 index in order to generate the extra cash you need. And I’d do so through a Stocks and Shares ISA.The power of dividendsThe FTSE 100 index contains the top 100 companies listed on the London Stock Exchange, according to their market capitalisation. This includes big names such as BT, Shell, HSBC and Imperial Brands. These are hugely valuable businesses (you can calculate a company’s market cap by multiplying the number of outstanding shares the company has traded in the market by its stock price). If a company has reached FTSE 100 status, then it stands to reason that it’s got staying power. Although there will always be a few bad apples, most FTSE 100 companies can be relied upon to pay dividends and to pay them consistently. Some 97% of the FTSE 100 constituent companies offer a dividend to their shareholders and that’s why investors love these shares.Around 5% is considered a good and relatively safe dividend yield, but dividend yields vary. JD Sports‘ yield is a mere 0.2%, while at Evraz it’s over 14%. If it’s too low, it’s less attractive of course, although a very high dividend yield can be a warning sign that the company has issues.Let’s say you have decided to stick to shares with yields in the mid-range. What’s important next is dividend reinvesting. This is the key to unlocking the power of compounding. Reinvest your annual dividend payment in new shares and the next year that 5% yield is paid on a larger sum, and the next year too. These small additional bonus payments that your capital receives routinely can add up to a much bigger pot over time.Compound dividend investing is a tried and tested way to build a nest egg for early retirement and the earlier you start, the better.  Image source: Getty Images. Simply click below to discover how you can take advantage of this. Kirsteen Mackay | Sunday, 26th January, 2020 Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! 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 Kirsteen Mackay Kirsteen has no position in any of the shares mentioned. The Motley Fool UK owns shares of and has recommended GlaxoSmithKline. 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 Our 6 ‘Best Buys Now’ Shares 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. Enter Your Email Address “This Stock Could Be Like Buying Amazon in 1997” Retire early and boost your State Pension with FTSE 100 dividends! 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

The Metro share price is down 25% in 1 month. Should I buy now?

first_img The Metro Bank (LSE:MTRO) share price has dropped by nearly a quarter over the past month after it released results for 2020 in February. This saw it reporting a record loss of £271.8m.Despite this poor performance, some encouraging trends did emerge. And even with this recent decline, the Metro share price is still up around 40% compared to a year ago. So, is this an opportunity to buy the stock at a discounted price? Let’s take a look.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 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. Zaven Boyrazian | Tuesday, 23rd March, 2021 | More on: MTRO See all posts by Zaven Boyrazian Get the full details on this £5 stock now – while your report is free. Fortunately I’ve found another growth stock that looks far more promising… Our 6 ‘Best Buys Now’ Shares Image source: Getty Images. Are you on the lookout for UK growth stocks?If so, get this FREE no-strings report now.While it’s available: you’ll discover what we think is a top growth stock for the decade ahead.And the performance of this company really is stunning.In 2019, it returned £150million to shareholders through buybacks and dividends.We believe its financial position is about as solid as anything we’ve seen.Since 2016, annual revenues increased 31%In March 2020, one of its senior directors LOADED UP on 25,000 shares – a position worth £90,259Operating cash flow is up 47%. (Even its operating margins are rising every year!)Quite simply, we believe it’s a fantastic Foolish growth pick.What’s more, it deserves your attention today.So please don’t wait another moment.center_img Zaven Boyrazian does not own shares in Metro Bank. 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. 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. Simply click below to discover how you can take advantage of this. A popular high street bankMetro is a bank that offers services to the retail, business, commercial, and private sectors via a network of 77 locations throughout the UK. The firm, which has 2.2 million customers, sees its strong focus on customer service as part of its unique selling proposition (USP). And it has won multiple awards for doing so, including Bank of the Year at the 2020 MoneyAge Awards and Banking Brand of The Year at the 2021 Moneynet Personal Finance Awards.The impact of Covid-19 caused some severe disruptions to Metro’s cash flow. After all, the bank makes money by charging interest on loans. But due to the lockdown restrictions, many of its customers weren’t able to keep up with payments.Yet despite this, Metro was able to stay afloat without taking on any additional debt. Instead, it sold £3.1bn of mortgages to NatWest Group for a small profit. This surge of capital undoubtedly helped mitigate the impact of the pandemic. But it has also enabled Metro to change its strategy and focus on more profitable products in specialist mortgages and unsecured lending.As such, CEO Daniel Frumkin is forecasting Metro will become profitable by 2024 and has recently bought £1.1m of Metro shares. While this certainly sounds promising, there are some risks to consider.Is the Metro share price a value trap?Banks are pretty complex businesses and are quite tricky to value. Based on the latest results, Metro has a net book value of £7.49 per share. That’s almost 85% higher than the current share price. At first glance, this looks like a fantastic opportunity for value investors.However, trading significantly under book value is quite a common occurrence for bank stocks. And in my experience, when the discount is as high as Metro’s, it indicates that the quality of the loans being made is questionable. Given that the bank has been unprofitable for most of its recent history, the low share price could be a red flag. The bottom lineMetro is heading in a new direction that may lead to profitability within the next five years. While it’s too soon to draw any conclusions, the preliminary forecasts for unsecured lending and specialist mortgage income do look promising.But it’s worth noting the firm has run into trouble in the past. In 2018, an accounting scandal broke out, causing the Metro share price to plummet 90% by the end of 2019. Metro’s aggressive lending versus customer deposits brought the bank’s total capital ratio dangerously close to the minimum regulatory requirements. And that was even after numerous rounds of fundraising.For now, I’m waiting to see how the company performs over the next year. And so I won’t be adding Metro to my portfolio today, even at its currently reduced share price. FREE REPORT: Why this £5 stock could be set to surge The Metro share price is down 25% in 1 month. Should I buy now?last_img read more