| Ticker | Name | Ex-Div | Buy By | Days | Price | Yield | Est. Income | |
|---|---|---|---|---|---|---|---|---|
| ⚡ | LGEN | Legal & General | 23 Apr | 22 Apr | 10d | 260p | 8.3% | £397 |
| ⚡ | BA | BAE Systems | 23 Apr | 22 Apr | 10d | 2198p | 1.6% | £74 |
| 🟡 | RKT | Net loss £385 after £0 divs received = 2.1× annual income — monitor | ||||||
| 🟡 | RKT | Price 5136p within 10% of 52w low (4770p) | ||||||
T+1 settlement — buy by market close on the day BEFORE ex-dividend date. Red alerts also trigger a Pushover notification.
| Ticker | Shares | Avg Cost | Live Price | Invested | Value | Capital P&L | Divs Received | Total Return | Ann. Income |
|---|---|---|---|---|---|---|---|---|---|
| AV | 750 | 639p | 623p | £4,791 | £4,676 | £-116 | — | £-116 (-2.4%) | £295 |
| BATS | 100 | 4681p | 4367p | £4,681 | £4,367 | £-314 | — | £-314 (-6.7%) | £249 |
| FRES | 137 | 3633p | 3549p | £4,977 | £4,862 | £-115 | — | £-115 (-2.3%) | £141 |
| GKP | 1000 | 222p | 195p | £2,223 | £1,954 | £-269 | £395 | £+125 (+5.6%) | £127 |
| HIK | 400 | 1221p | 1318p | £4,885 | £5,270 | £+385 | — | £+385 (+7.9%) | £285 |
| HSBA | 365 | 1319p | 1325p | £4,814 | £4,835 | £+20 | — | £+20 (+0.4%) | £358 |
| LLOY | 5000 | 99p | 100p | £4,968 | £4,980 | £+12 | — | £+12 (+0.2%) | £199 |
| MNG | 1500 | 315p | 290p | £4,723 | £4,353 | £-371 | — | £-371 (-7.8%) | £308 |
| NWG | 800 | 604p | 604p | £4,830 | £4,834 | £+4 | — | £+4 (+0.1%) | £295 |
| OSB | 850 | 568p | 547p | £4,826 | £4,650 | £-177 | — | £-177 (-3.7%) | £293 |
| RCH | 8000 | 62p | 61p | £4,998 | £4,912 | £-86 | — | £-86 (-1.7%) | £594 |
| RKT | 90 | 5564p | 5136p | £5,007 | £4,622 | £-385 | — | £-385 (-7.7%) | £185 |
| SGLN | 130 | 7302p | 6841p | £9,493 | £8,893 | £-601 | — | £-601 (-6.3%) | — |
| SSLN | 50 | 6182p | 5294p | £3,091 | £2,647 | £-444 | — | £-444 (-14.4%) | — |
| Total | £68,308 | £65,854 | £-2,454 | £395 | £-2,060 (-3.0%) | £3,329/yr | |||
Average cost includes commission and stamp duty. Income on actual shares held using trailing 12m dividends.
| # | Ticker | Name | Live Price | Yield (fwd) | Est. Income/yr | CADI | Score | Ex-Div | Buy By | Notes |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | ⚡ BATS | British American Tobacco | 4367p | 5.7% | £274 | 8 | 7.0 | ~18 Mar | ~17 Mar | · 100/110 held @ 4681p (-6.7%) |
| 2 | ⚡ HIK | Hikma Pharmaceuticals | 1318p | 5.4% | £259 | 8 | 13.3 | 19 Mar | 18 Mar | · 400/364 held @ 1221p (+7.9%) |
| 3 | ⚡ NWG | NatWest | 604p | 6.1% | £293 | 6 | 9.9 | 19 Mar | 18 Mar | Declared · 800/794 held @ 604p (+0.1%) |
| 4 | ⚡ MNG | M&G | 290p | 7.1% | £339 | — | — | 26 Mar | 25 Mar | · 1500/1654 held @ 315p (-7.8%) |
| 5 | LLOY | Lloyds | 100p | 4.0% | £192 | 4 | 5.8 | 9 Apr | 8 Apr | · 5000/4819 held @ 99p (+0.3%) |
| 6 | AV | Aviva | 623p | 6.3% | £303 | — | — | 9 Apr | 8 Apr | · 750/770 held @ 639p (-2.4%) |
| 7 | RKT | Reckitt | 5136p | 4.0% | £191 | 4 | 5.3 | 9 Apr | 8 Apr | ⚠️ Fwd ~2.7% · T12m includes 235p one-off special — forward yield ~2.7% · 90/93 held @ 5564p (-7.7%) |
| 8 | OSB | OSB Group | 547p | 6.3% | £303 | 6 | 14.0 | 2 Apr | 1 Apr | · 850/878 held @ 568p (-3.7%) |
| 9 | FRES | Fresnillo | 3549p | 2.9% | £139 | 2 | 3.5 | 20 Apr | 17 Apr | · 137/135 held @ 3633p (-2.3%) |
| 10 | LGEN | Legal & General | 260p | 8.7% | £418 | 4 | 10.3 | 23 Apr | 22 Apr | |
| 11 | BA | BAE Systems | 2198p | 1.6% | £74 | — | — | 23 Apr | 22 Apr | Declared 22.8p |
| 12 | ADM | Admiral | 3319p | 5.9% | £284 | 2 | 3.4 | 14 May | 13 May | ⚠️ Incl. special · T12m includes variable special — floor yield ~4–5% if cut |
| 13 | TSCO | Tesco | 488p | 3.5% | £168 | 2 | 4.7 | 14 May | 13 May | |
| 14 | SVT | Severn Trent | 3244p | 4.1% | £197 | 9 | 4.9 | 28 May | 27 May | |
| 15 | HSBA | HSBC | 1325p | 7.4% | £355 | 5 | 7.2 | ~Jun | — | 200 shares held · 365/362 held @ 1319p (+0.4%) |
| 16 | LAND | Land Securities | 578p | 7.0% | £336 | 5 | 5.9 | 11 Jun | 10 Jun | REIT |
| 17 | III | 3i Group | 2700p | 3.2% | £154 | 5 | 6.7 | 18 Jun | 17 Jun | |
| 18 | BLND | British Land | 377p | 6.3% | £302 | 0 | 3.5 | 18 Jun | 17 Jun | REIT |
| 19 | UU | United Utilities | 1388p | 3.8% | £181 | — | — | 25 Jun | 24 Jun | |
| 20 | RCH | Reach plc | 61p | 12.1% | £581 | 0 | 18.1 | TBC | — | · 8000/7818 held @ 62p (-1.7%) |
| 21 | IMB | Imperial Brands | 3125p | 5.3% | £255 | 5 | 5.2 | Jun (next) | — | Quarterly |
| 22 | BP | BP | 588p | 4.2% | £200 | — | — | Jun (next) | — | Quarterly |
| 23 | BARC | Barclays | 434p | 2.2% | £106 | 5 | 4.6 | Jun (next) | — | |
| 24 | GSK | GSK | 2171p | 3.4% | £163 | 3 | 3.0 | Jun (next) | — | Quarterly |
| 25 | SGLN | iShares Physical Gold ETC | 6841p | — | — | — | — | — | Anytime | No stamp duty · 130/140 held @ 7302p (-6.3%) |
| 26 | SSLN | iShares Physical Silver ETC | 5294p | — | — | — | — | — | Anytime | No stamp duty · 50/91 held @ 6182p (-14.4%) |
| 27 | GKP | Gulf Keystone Petroleum | 195p | 6.5% | £312 | — | — | ~Apr | — | Legacy · Kurdistan oil · 1000/2456 held @ 222p (-12.1%) |
| Est. total | £6,379/yr | Net ~£6,179 after £200 platform fee | ||||||||
Yield and income use DividendMax forward annual yield where available, falling back to yfinance trailing 12m. ⚠️ RKT and ADM include special dividends in T12m — forward income will be lower. CADI/Score from DividendMax cache — refresh by dropping new divmax.rtfd into transactions/.
Filtered for quality: cover ≥ 1.8×, yield 3.5–12%, no material cut forecast. Ranked by quality-adjusted score (yield × CADI track record × cover). Yield traps and infrastructure trusts excluded. DivMax: 2026-03-10 17:07.
| Ticker | Price | Yield | CADI | FDI | Cover | Score | Buy Before |
|---|---|---|---|---|---|---|---|
| TBCG | ~£42.05 | 6.1% | 6 | +178% | 3.3 | 14.9 | 21 May '26 |
| SGRO | ~£7.25 | 4.4% | 12 | +6% | 5.4 | 14.2 | 26 Mar '26 |
| ZIG | ~£3.91 | 6.8% | 5 | 0% | 2.9 | 13.8 | 27 Aug '26 |
| ICG | ~£15.56 | 5.7% | 15 | +5% | 2.0 | 12.5 | 18 Jun '26 |
| DCC | ~£46.9 | 4.7% | 12 | +5% | 2.7 | 12.4 | 28 May '26 |
| INVP | ~£5.98 | 6.7% | 5 | +6% | 2.4 | 11.3 | 13 Aug '26 |
| MUT | ~£9.13 | 4.4% | 19 | 0% | 2.0 | 11.1 | 14 May '26 |
| RAT | ~£20.2 | 5.0% | 14 | +7% | 2.0 | 10.6 | 16 Apr '26 |
| PAG | ~£7.65 | 6.2% | 5 | +8% | 2.4 | 10.4 | 02 Jul '26 |
| FGP | ~£1.74 | 5.2% | 4 | +29% | 6.4 | 10.3 | 02 Jul '26 |
| VSVS | ~£4.22 | 5.6% | 5 | 0% | 2.5 | 9.8 | 23 Apr '26 |
| TCAP | ~£2.57 | 6.9% | 5 | +8% | 2.0 | 9.7 | 09 Apr '26 |
| CRDA | ~£27.18 | 4.1% | 14 | +1% | 2.2 | 9.6 | 09 Apr '26 |
| GFTU | ~£8.94 | 4.2% | 6 | +2% | 3.5 | 9.3 | 23 Apr '26 |
| HFG | ~£5.02 | 7.4% | 2 | +5% | 2.1 | 9.0 | 28 May '26 |
Green score ≥ 9 = strong candidate. Consider as a replacement if a current holding cuts its dividend or total return deteriorates.
Two rotation triggers: Opportunity — net return (capital + dividends − costs) exceeds 10% and a watchlist candidate with a materially better score is available. Fundamental — dividend cut, CADI drops, or FDI < −20% → rotate regardless of return. Friction per rotation ≈ £38 (2× commission + stamp duty on new position).
| Ticker | Risk | Rotate out if… | Capital P&L |
|---|---|---|---|
| GKP | Spec | Kurdistan oil legacy — rotate if pipeline shuts and dividend suspended | -12.1% |
| RKT | High | Forward yield only ~2.7% — rotate at +10% net return | -7.7% |
| RCH | Spec | 12% yield, CADI 0 — rotate immediately on any dividend cut | -1.7% |
| FRES | High | Silver-linked variable dividend — rotate at +10% net return | -2.3% |
| BATS | Med | FDI turns negative; cover (now 1.5) falls below 1.2 | -6.7% |
| BLND | High | CADI 0, cover 1.1 — rotate at +10% net return or any dividend cut | not held |
| ADM | High | Cover 1.0 (dividend = earnings) — if special removed, yield halves | not held |
| MNG | Low | Dividend cut; cover falls below 1.5 | -7.8% |
| TSCO | Med | Yield 3.5% is low — rotate at +10% net return if better yield available | not held |
| LGEN | Med | Cover falls below 1.5; annuity book stress | not held |
| LAND | Med | REIT, low cover is structural — rotate if dividend reduced | not held |
| IMB | Med | Cut dividend in 2020; cover 1.4 — watch FDI closely each year | not held |
| HSBA | Med | Cut dividend in 2020 — rotate if cover drops below 1.0 again | +0.4% |
| HIK | Med | Earnings miss that cuts dividend; US tariffs confirmed on generics | +7.9% |
| GSK | Med | Cover 1.4, yield 3.4% — weakest quarterly — rotate at +10% | not held |
| BP | Med | Oil-price dependent quarterly — rotate if oil cycle turns down | not held |
| BARC | Med | Yield 2.2% is low — rotate at +10% net return for better yield | not held |
| OSB | Low | Cover drops below 2.0; UK buy-to-let market deteriorates sharply | -3.7% |
| AV | Low | Dividend cut; cover falls below 1.5 | -2.4% |
| UU | Low | Regulated utility — rotate only if dividend cut | not held |
| SVT | Low | Regulated utility, CADI 9 — hold; rotate only if dividend cut | not held |
| NWG | Low | FDI turns negative; regulatory capital shock | +0.1% |
| LLOY | Low | Cover drops below 1.8; PPI-style regulatory shock | +0.3% |
| III | Low | Cover 3.8, CADI 5 — very safe. Hold long-term | not held |
| BA | Low | Defence dividend well covered — rotate only on fundamental change | not held |
Capital P&L only — dividend income not yet tracked here. Net return will be higher once dividends are counted.
| Ex-Div Date | Ticker | Name | Dividend/share | Est. Pay Date |
|---|---|---|---|---|
| ~18 Mar ⚡ | BATS | BAT | 61.26p | ~May |
| 19 Mar ⚡ | NWG | NatWest | 23.0p | 5 May |
| 26 Mar ⚡ | MNG | M&G | ~13.5p | 8 May |
| 9 Apr | LLOY | Lloyds | 2.43p | 19 May |
| 9 Apr | AV | Aviva | ~24p | 21 May |
| 9 Apr | RKT | Reckitt | ~90p | 28 May |
| 20 Apr | FRES | Fresnillo | ~15p | 29 May |
| 23 Apr | LGEN | L&G | ~15p | 4 Jun |
| 23 Apr | BA | BAE Systems | 22.8p | 4 Jun |
| 30 Apr | CNA | Centrica | ~3.0p | 4 Jun |
| 14 May | ADM | Admiral | ~120p | 12 Jun |
| 14 May | TSCO | Tesco | ~9.5p | 26 Jun |
| 28 May | MKS | M&S | ~2.6p | 3 Jul |
| 28 May | SVT | Severn Trent | ~73p | 14 Jul |
| ~Jun | HSBA | HSBC | ~11p | TBC |
| 11 Jun | LAND | Land Securities | ~12p | 24 Jul |
| 18 Jun | III | 3i Group | ~36p | 24 Jul |
| 18 Jun | BLND | British Land | ~12p | 24 Jul |
| 25 Jun | UU | United Utilities | ~34p | 3 Aug |
| Later 2026 | IMB | Imperial Brands | ~40p | TBC |
| Later 2026 | BP | BP | ~6p | TBC |
| Later 2026 | BARC | Barclays | ~5.6p | TBC |
| Later 2026 | GSK | GSK | ~18p | TBC |