The Times 23072022

the times | Saturday July 23 2022 51

The Manifesto Business

Schwimmer splashed out but insists

big buy never put him off his stroke

With the deft purchase ROB PINNEY FOR THE TIMES

of data group Refinitiv David Schwimmer makes light of Brexit and plays down the danger that it could pose to his clearing house operation Why on earth did no human eyes
pick up on what was clearly a bonkers
the exchange boss has Q&A What does leadership Polk & Wardwell Today he has more than 23,000 in 70 ranking? “As we have worked through
mean to you? 1998-2018: Goldman countries. The actual London Stock our integration, we’ve been very
created a global giant, Who is your mentor? Setting a direction, Sachs; 1998-2005: Exchange, the 300-year-old securities focused on improving the risk
I’ve had a number over setting a tone and Financial Institutions market, accounts for less than one management capabilities, improving
Patrick Hosking writes the years. My dad was helping people get the Group, covering market twentieth of total group revenues. the processes across the
key, in particular in most out of themselves. structure, brokerage Schwimmer, who was paid organisation,” trots out Schwimmer,
For all chief executives, there dealing with people. How do you relax? and trading; 2005-06: £6.4 million last year, is now boss to who occasionally sounds as robotic as
comes a time when the Does money motivate Running, cycling, chief of staff to the more people in India (6,000) than the one of his algorithms.
honeymoon with the City is you? swimming, playing with president & COO, Lloyd UK (4,100). The company is the 13th
over, even if the rift is only I’m primarily motivated our dog and reading Blankfein; 2006-09: co- biggest in the FTSE 100. The whole area of data and
temporary. For David by dealing with really histories or biographies. head, Goldman Sachs analytics, now LSEG’s biggest division
Schwimmer, chief executive of interesting, challenging Russia and head of For City traders and analysts, the by far, is taking more of his time
London Stock Exchange Group, it situations. CV Russia/CIS investment most visible aspect of the deal is that because the division head, Andrea
came in March last year, just weeks What was the most banking; 2010-11: head, it pitches LSEG head-to-head with Remyn Stone, resigned three weeks
after he had succeeded in landing his important event in Born 1969, New York metals and mining, Bloomberg. Most use either ago for “personal reasons” after just a
gigantic trophy acquisition, the your working life? City North America; 2011-17: Bloomberg terminals or Refinitiv’s year in the role. Schwimmer is taking
financial data group Refinitiv. Leaving Goldman Sachs Education global head of metals Eikon version. The chat on the personal charge until a permanent
for the CEO role at LSEG 1991 — BA, Yale and mining; 2012: dealing floors is that Bloomberg is the successor is found.
It had all been going swimmingly. Which person do you 1996 — Master of Arts in elected partner; 2017-18: superior product, certainly in terms of
Shareholders loved the idea of the most admire? Law and Diplomacy, global head of market reliability. Eikon can be clunky and We chat on a difficult day for
$27 billion deal. Regulators had all My wife! Tufts University structure; global head sometimes crashes completely. London as a financial centre. The
been coaxed over the line. What is your favourite 1996 — Juris Doctorate, of metals and mining financial headlines are about
Schwimmer had easily smacked away television programme? Harvard investment banking. Schwimmer can’t bring himself to Softbank deciding to halt work on a
an opportunistic gatecrashing I’ve recently been Professional life 2018: chief executive, utter the B word. “I understand why possible London listing for its Arm
£32 billion bid from his oriental rival enjoying Borgen. 1996-98 associate, Davis London Stock Exchange there may be a bit of a focus on one Holdings business, apparently
Hong Kong Exchanges and Clearing. Group particular product, but the important preferring a New York listing. Arm,
Family Married, with thing about Refinitiv is what a diverse the computer chip designing colossus,
But the mood turned chilly when two sons, 13 and 11 business it is. Our desktop offering, is one of the greatest tech companies
for the first time he said the capex and while it may be subject to some in Britain by any measure. Ministers,
opex needed to invest in the combined Rolet and Brydon had to go. Schwimmer, who didn’t take long to criticism, is the No 2 in the world, and as well as Schwimmer, had been
business was going to blow out to Rolet had produced superb returns alight on his own big project. Refinitiv we are improving it dramatically.” lobbying hard for a local listing.
£1 billion. It was a shock for some. The was the financial data arm of
City had a mini-tantrum. LSEG shares through some decisive deals including Thomson Reuters, its assets including A new web-based version called Was he disappointed? “I wouldn’t
dived by 14 per cent that day. the London Clearing House and the securities data and software tools Workspace is being rolled out to comment on any particular listing
Russell, the US-based indices group piped to 40,000 traders’ screens thousands of customers, he says. It is specifically. I would say that London
Recalling the episode, Schwimmer which was successfully combined across the globe, as well as a couple of faster, flexible and more efficient with remains a great place for terrific
insists he had never made a secret of with LSEG’s own FTSE indices group. bond trading platforms. greater functionality and is scoring companies to list and we view it as
the fact there were going to be heavy But he came unstuck when a plan to well in customer feedback, he adds. highly competitive with other
upfront costs, but admits it was never merge with Deutsche Bourse (for the LSEG is indeed dramatically financial centres around the world.”
quantified. “There were, I can’t argue third time) was blocked by the changed from the acquisition. When He also defends the quality of some
with that, some people who were European Commission. Schwimmer arrived in August 2018, it of the data put out by Refinitiv. It was What about all those tech-enabled
surprised by it. With hindsight we had 5,500 employees in 18 countries. the butt of jokes among investment companies that listed in London last
could have been more explicit . . .” Into the Rolet-shaped hole stepped bankers after publishing a league year to cheers from LSEG, but have
table of fees that placed tiny M&A since collapsed in value. Companies
It was, he says, mostly a case of boutiques ahead of some of the giants like Deliveroo, Wise and Made.com,
“the market getting a little ahead of of Wall Street because of unrealistic which had just put out another profit
us, in being a little bit exuberant, assumptions made by its software. warning that very day. Weren’t LSEG
before we were ready for the market and UK policymakers, who last year
to be excited”. That exuberance, when proposed reforms to make tech
the share price blasted past £98, has listings easier and tech entrepreneurs
never quite been rekindled. The welcome, hopelessly late to the tech
LSEG share price yesterday was party?
bobbing around the £80 mark.
“I don’t see it that way,” he says. “If
But it’s water under the bridge now. you and I were having this interview
The integration of Refinitiv has since in New York, we’d be having a similar
gone “very well,” says Schwimmer, conversation about the performance
with every target for synergies met or of biotech companies in the US
beaten. The process of transforming markets. Markets go up and markets
LSEG from a narrow Europe-focused go down,” he shrugs.
exchanges group to a global and much
broader-based financial infrastructure He adds diplomatically: “I think
business is fully on track. that there is this, er, tendency in this
market to really focus on, er, where
Schwimmer, an American former companies might not have done so
Goldman Sachs investment banker, well in terms of market performance,
says that while he has advised on but there are many great success
hundreds of deals in his time, he stories.” Schwimmer, a New Yorker, is
genuinely cannot think of a single one far too polite to say we’re a bunch of
“as transformational and value- moaning pessimists over here.
creating” as this one. Safe to say, he is
as convinced of its merits as ever. He makes light of Brexit and plays
down the danger it could pose to his
Schwimmer, 53, has big shoes to fill. clearing house operation, LCH, if EU
His predecessor was Xavier Rolet, a banks were to be told to stop clearing
charismatic Frenchman who in his through London. LCH was too global
nine years of running the business to be seriously hit, he suggests.
boosted the LSEG share price from
£8 to £37, winning him many fans. He is more concerned about the
Such admiration indeed that his Russian invasion of Ukraine. He ran
announced departure in 2017 Goldman’s office in Moscow for three
triggered one of the great City rows, years from 2006 when it was “a boom
when the hedge fund manager Sir town” for east/west deals. Then came
Christopher Hohn insisted he was Putin’s “infamous” speech at the
being improperly ousted. Munich Security Forum in 2007, in
which he so starkly rejected the US-
A protracted battle followed led liberal order of the West.
between Hohn and Donald Brydon,
the LSEG chairman. Hohn wanted What about a merger with another
Brydon’s head on a plate and called a big exchanges group? For 20 years
special meeting. The row was settled LSEG has been linked with different
only after the intervention of Mark exchanges, but never clinched a deal.
Carney, then governor of the Bank of “I would say for now, we’re very
England, and it was agreed that both focused on the integration and any
M&A we would do would be on the
smaller side.” Big deals are off the
table, for now at least.



the times | Saturday July 23 2022 53

How to avoid Money
the airport
parking pinch
Pages 56-57

Speedy ways to make money
from the things you do already

Saving cash doesn’t have to be complicated — you can earn hundreds of pounds in minutes through small changes

0 Buy yourself a gift card Use all those Five-minute Say yes to did you know that you can also borrow
Cashback is a good way to save money, railcard perks tricks loyalty cards them digitally? Ask your local library
but you typically have to buy the goods which digital app it uses and download
online and the shops you want to use Get a cheap for every £10 you spend and every ten Share it to your phone or a tablet – the most
may not offer it. However, many shops dinner stamps adds £10 to your Plus balance. subscriptions popular services include BorrowBox
do regularly offer gift cards through the Costa Coffee’s card gives you one bean and Libby by Overdrive.
TopCashback website. You buy the gift works, you will be able to get a cheaper for every drink you buy and eight beans that they could live without Netflix.
card and get cashback on that amount. deal elsewhere when it ends. And gets you a free drink. Greggs’s reward Some firms make it hard to cancel, forc- 0 Don’t pay a child premium
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emailed to you. to buy Apple’s new iPhone 13. Keep an Watch out for the small print, through your bank account app. your children. It claims to have 2 mil-
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trainers from Adidas. Buy a £50 Adidas 0 Embrace loyalty cards you four points for every £1 you spend curring card payments rather than di- Starling Bank’s connected card ser-
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Use the giftcard to buy the trainers. alty scheme at a shop till, but instead of And watch out for expiry dates on street ones such as Halifax, HSBC put a spending limit on it of up to £200
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0 Use what you have the cashback or loyalty points? Yes it is ers were caught out during the pan- through your banking app. Look for a
Plenty of services you already pay for annoying getting spam in your email demic because their vouchers are valid tab called something along the lines of 0 Get dinner on the cheap
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gives free cinema tickets, coffees and up a special email account just for deals. 0 Cancel subscriptions with a tap cess to leftover food from local restau-
gym membership discounts. Platinum About 1.66 million subscriptions were Any subscriptions you’ve taken out rants and cafés at heavily discounted
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Plus membership, which gives you 25 cards, but almost every chain you set those looking to make savings realised cancelled through your phone. Look up within a designated time slot. The
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any benefits such as discounted gym stones Plus scheme gives you a stamp Everyone knows that libraries have half the original sale price and includes
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neighbours. For example, you could
0 Don’t double up pop round to pick up a bunch of ripe ba-
Before you sign up to any new service, nanas or half a loaf of bread that is going
check to see if there is a way you can do to go uneaten with the idea that you re-
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have an Amazon Prime account you don’t need. Local community Whats-
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as do some bank accounts.
0 Make the most of your railcard
0 Switch that credit card Anyone under 30 and living in London
Do you shop a lot at Asda, Amazon, can link their young person’s railcard to
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credit cards that will give you extra off-peak travel on Transport for
points on your spending that you can London. If you live in large parts of En-
swap for shopping vouchers or other gland and have an annual season ticket,
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Express and Barclaycard credit cards
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cent cashback on spending for the first ing can also lower the cost of train
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and 1 per cent after this initial period. it is often cheaper.) Split ticketing web-
Lloyds’ cashback credit card pays up to sites such as Trainsplit.com and My-
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0 Phones that give you discounts elling at a specific time will be cheaper.
The chances are that if you have a con- You don’t need to actually get off the
tract with one of Britain’s big four net- train for the trick to work.

Follow us on twitter @timesmoney | @jimconey | @jessiehewitson | @davidbyers26 | @AlihussainST | @katjdenham | @davidbrenchley | @imogent_ | @George_Nixon97 | @sashanugara | @lilycsrj

54 Saturday July 23 2022 | the times

Money

When investing, think Lionel Messi

Home Economics been only interested in investing in
Jessie Hewitson crypto. She approached it not by
telling her sons what to do, but by
My seven-year-old’s amount of electricity that is needed to making her point another way. She
favourite song at the mine the coins is huge), and I’m said that if they were running a shop
moment is called certainly not minded to invest any on a beach, would they only want to
Banana Song (I’m a money in an obscure coin just sell sun umbrellas? What if the
Banana). It goes like because some spotty 20-year-old is weather was bad? Shouldn’t they sell
this: “I’m a banana, I’m a banana, I’m telling me to on a TikTok video. drinks too? This, she said, has
a banana, LOOK AT ME MOVE!” It’s persuaded her elder son to invest in
highly sophisticated. I’m with Andrew Bailey, the something other than crypto.
governor of the Bank of England,
This, my friends, is the type of thing who said that people need to be able Another analogy is a football one:
you get on TikTok. I haven’t been on to lose whatever money they invest. Lionel Messi may be the greatest
the social media site for a while so, Invest in crypto, that’s fine, but don’t footballer: he’s quick and skilful and
after confiscating my phone from the invest too much or the result could be a brilliant goalscorer. But you
seven-year-old, I was curious to see catastrophic. wouldn’t field a team of 11 Lionel
what else was on there. Messis because he is little over 5ft 6in
Recently, I’ve had emails from tall and so probably wouldn’t make a
About 40 minutes later I was still parents worried that if they die and very good centre back or goalkeeper.
scrolling. It is awful. It’s not just the their children inherit their money, the And while he is a brilliant passer, he’s
videos that make me worry for the financial stability they have worked so not the greatest tackler. So a football
future of feminism that I hate, or the hard to pass on will go on some team that allowed Messi to perform
shouty songs, it’s the kind of to the best of his abilities also needs a
financial advice that is random cryptocoin, some of solid defence and some taller players.
dished out. which have lost most or
all of their value lately. This diversification should be at the
It is often delivered Watching the heart of your investing.
by the young and Bitcoin Bros I see
overconfident exactly why they The other financial lesson I’d like
Bitcoin Bros, who are worried. my sons to learn far earlier than their
publish videos on They will never mum is to think about pension saving
how to get rich caution anyone sooner. I remember my dad telling
through not to put too me I had to get a pension when I was
cryptocurrencies. much money on in my mid-twenties. I wanted to
To prove their crypto. One please him, but back then I was
claims they show you video I watched earning £125 a day on a celebrity
some graph on their had a young man news website while having to pay rent
laptops followed by an describing
arrow going up. It’s all so diversification as not and go out each night to the pub,
macho: you take risks, they will and retirement is what happens
pay off and you can then live your putting all your money in just before you die, so why worry
best life, which means driving a one type of coin — instead you about it now?
supercar and taking a beautiful girl had to split it up between
shopping (vomit). different coins. As Charlie The trick, Hepburn tells me, is
Brown would say: good grief. to not use the word “pension”. It
Your parents will not understand, sounds too complicated. Instead
they explain, because they are So how do I talk to my
dinosaurs who don’t understand tech 12-year-old (who will be old talk about “future money”. If
or are jealous because you’ll be enough to download TikTok you can save £100 a month of
making more money than them in himself next year rather than future money, that money
your early twenties, freeing you up to use it on my phone) about will most probably turn into
travel nonstop rather than having to risk in a way he will listen to? £500, say, by the time you are
do any boring actual work. How do I counter the Bitcoin retired. Do you want to spend
Bros for a boy whose heroes the £100 on a couple of nights
I should add that I’m not against are YouTubers? out now or spend it on an
cryptocurrency. I don’t see it as a amazing holiday later?
Ponzi scheme, but I do think it’s Gillian Hepburn from the If I could teach my two anything, it
environmentally a disaster-zone (the investment company Schroders has would be that money does make life
two sons in their twenties who have more comfortable but that hard work
and a job you find fulfilling will make
you happier (as long as you earn
enough).
Don’t make money the end point
— and certainly don’t believe
everything TikTok tells you.

Only bad banks would punish the prudent IN THE
SUNDAY TIMES
Comment there was no evidence of their There are growing concerns that The problem of mortgage TOMORROW
prisoners created by the 2008
James ability to repay a mortgage. That this may mean that anyone who financial crisis has not been solved. special report
Coney Thousands of people are still
Money made them more of a risk, despite has stretched their income to the paying mortgage rates far higher Who gains most
editor than they need to because they from rising rates?
the masses of equity they had maximum to get a mortgage when took out types of mortgages that
F or organisations that employ are no longer available, such as Clue: it’s not us
lots of very clever people, built up by being such prudent rates were lower and household interest-only deals, sub-prime
banks can make some very loans and self-certified loans, plus
foolish decisions. borrowers. bills were lower may find that they which didn’t require any proof of
income. How the mortgage-free
Take mortgages. The I’m sure it will get sorted, no longer pass affordability checks ruined things for
thirtysomething son of a friend is Even though many of them have first-time buyers
buying his next home. When he but being judged in this way from lenders. never missed a repayment, they
and his wife applied for a mortgage cannot switch deals because banks
the bank stammered: why could it for being financially This is exactly what are no longer willing to be that
not see evidence of mortgage flexible.
repayments on their bank responsible is madness. happened to the
statements? The answer was that When economies stutter and
they had overpaid the mortgage A bit like how those £46bn borrowers with people start falling behind on their
on their first home and paid it off who don’t have lenders such as bills, banks get nervous. That
in a decade. Bravo. a credit card are Northern Rock means the prudent get punished
too. If that happens this time
But this prudency was a problem viewed negatively and Bradford & around, it is going to exacerbate
for the bank because it meant that the problems of the cost of living
when they apply Bingley after the crisis.

for a home loan. owed on financial crisis. It’s time for those clever people at
There is more interest-only What it means in banks to come up with some
mortgages practice is that sensible solutions.
of this crackpot many homeowners @jimconey
behaviour coming

from the banks. At will not qualify for

the moment they are a cheaper fixed-rate

all tightening their mortgage because the

affordability calculations and banks are worried that they

factoring rises in the cost of living will not be able to repay it. So

into their assumptions. At the instead they end up on a much

same time, higher rates mean that higher rate, which they are less

the rising monthly cost of your likely to be able to afford.

loan will also affect how much you It’s like banking as imagined

can borrow. by Joseph Heller.

the times | Saturday July 23 2022 55

‘How could it Money

take 6 months

to get probate

for my mum?

Fees have gone up but waiting times are at their

highest, so what’s going wrong, asks David Byers

After 93-year-old Barbara will be able to settle her accounts. Yvonne Davies waited more than six months for a grant of probate after the death of her mother, Barbara, in November
Lewis died on November She is not alone. Other families are
24 last year, her daughter
Yvonne Davies applied for reporting delays as staff at the courts
a grant of probate so she service, which is managed by the Min-
istry of Justice (MoJ), try to clear a

could deal with her mother’s estate, backlog caused by the coronavirus pan-

access her bank accounts and distribute demic, when staff had to work from information to be requested, up from value a property, but HMRC will also

her assets. home and there was a higher number of 17.2 weeks a year ago. It takes 13 and a accept a surveyor’s valuation.

The courts and tribunal service said deaths. The MoJ says it hired more staff half weeks to process online applica- If any tax is due, you will need to give

Davies could expect to wait eight weeks to meet “unprecedented” demand. tions if there is a query, but six and a half precise financial details. HMRC’s

but the process actually took six Probate applications made on paper weeks for online applications overall. checker at tax.service.gov.uk will give
you an idea of the estate’s value.
Executors should bemonths. “After the eight weeks were up, that were granted in May had taken an The Law Society said that sometimes
I began making regular phone calls re- average of 13.1 weeks, down from correct documentation had been sent There is no inheritance tax to pay on
estates worth less than £325,000, or
able to settle an estatequesting an update. Each call I was on 8.4 weeks in the same month last year. back to applicants. Stephanie Boyce,

hold for a minimum of 45 minutes Lawyers say the problems have not the president of the Law Society, said: £500,000 if the estate includes some-
one’s main home that they are leaving
within a reasonable timebefore I could speak to someone,” she been helped by the fact that many offi- “We have been aware of the probate

said. “On one occasion I was cut off ces were closed down in 2019 and ser- service delays for some time. The ser- to a direct descendant. Spouses and

after a particularly long wait, and no vices such as scanning were out- vice must allow executors to settle a non-professionals and £155 for profes- civil partners do not have to pay inherit-

one attempted to call back. I emailed sourced. loved one’s estate in a reasonable time sionals to a flat rate of £273 in January. ance tax on each other’s estates and

but got a generic reply each time. I In 2019 the MoJ had a target of ten frame. Delays can adversely affect fam- “Obviously, the pandemic placed an they can pass their inheritance tax al-

found the whole process upsetting” working days to process applications, ilies in what is already a difficult time. additional strain on the service with the lowances on to each other too. This

Davies’s probate grant finally came which it missed in 90 per cent of cases. “Our members are continuing to see increased death rate and we continue means some couples have £1 million

through last week. She was told that That target has since been dropped. cases being ‘stopped’. We suggest that to ask when they’re likely to return to worth of tax-free allowance.

there had been a delay in scanning her According to estimates from the Law users should be offered reimbursement pre-Covid levels,” the Law Society said. Once HMRC has been informed,

documents by Exela, a private firm ap- Society of England and Wales, 35 per for delays. We will continue to monitor The MoJ said: “As with any court probate can get under way. This can be

pointed as the Ministry of Justice’s cent of probate applications are delayed the situation closely.” proceedings, there will be instances done online at gov.uk or on paper. You

“scanning partner” in 2019. because they are returned to the where cases take longer due to com- need the original will if you’re the exec-

The delay meant that Davies, from applicant requesting more informa- 0 Will things get better? plexity or additional information being utor. You will also need the original

Cwmbran, has been unable to sell her tion. Applications made on paper take The Law Society has questioned why needed. In January 2020 we began to death certificate or an interim death

mother’s garage and has faced ques- an average of 22.8 weeks to be proc- the service is so far off target despite the digitise paper applications through certificate from the coroner.

tions from her bank about when she essed if they are stopped for more MoJ raising probate fees from £215 for bulk scanning, allowing staff to process Once you have a grant of probate you

more applications more quickly.” have the legal right to deal with some-

‘We fear Russell George, 45, of the probate grant. 0 How to execute a will one’s property and possessions. You can
the delay right, is a film and The best rate they are When someone dies, you need to an- start closing bank accounts and passing
TV producer from nounce the death at a register office assets on to beneficiaries, including
Woking. He married likely to get now is within five days in England, Wales and selling the family home.
3.5 per cent, which will

will mean Sabina, 29, in the cost them an extra £450 Northern Ireland and eight days in 0 When don’t you need probate?
Seychelles this year and a month. The clock is
they want a bigger also ticking on the sale Scotland. When you do, you will be If the person who died owned all their

given a certified death certificate. assets and held all their accounts jointly

our whole home to start a family of Russell’s house in If there is a will, it will name one or with another person who survives
(David Byers writes). Woking, which has been more people as executors. If you are them (ie a spouse) that person will auto-

property In March, they found a under offer at £390,000 one, you need to give HM Revenue & matically take over their estate and will
doer-upper owned by a since March. He fears Customs an estimate of the estate’s not need permission to close bank ac-
family going through that the whole chain will value at tax.service.gov.uk. At this counts etc. You may also not need pro-

chain probate after the death of collapse. “It’s incredibly stage, your estimate only needs to be bate if all the deceased person’s assets
anxiety-provoking,” he accurate enough for you to know if the were held in a trust and not owned by
their mother and their eight weeks. But the

collapses’ £775,000 offer was couple’s 2.3 per cent said. “The longer it takes, estate owes tax. You may write to utility them. If the value of the estate is small,
accepted on March 29. mortgage rate offer was the more we’ll have to providers, mortgage lenders, banks, and does not include property, you may
The sellers said probate due to expire on July 21 pay. The system seems loan or credit agencies and care homes not need probate, if the companies

should be granted within and there was still no sign dysfunctional.” to get the value of debts and invest- holding any accounts in the deceased’s

ments. You can use an estate agent to name are willing to pass on the assets.

Thanks for saving with us but Biggest mortgage rate leap since 2007
no, you can’t have the best deal
T he number of mortgage deals 3.74% Scottish Widows Bank has removed
N ot keeping an eye on your bank’s latest account, or apply for a new ac- available is falling as lenders its two-year fixes for new customers,
savings rates could leave you count as an existing customer online. become increasingly concerned The average two-year fixed-rate, and HSBC pulled its three-year fixes.
hundreds of pounds worse off. about people’s ability to afford their Kensington Mortgages has withdrawn
The best easy-access savings rate is Nationwide pays 1.5 per cent on its loans at a time of rising inflation and up from 3.25 per cent last month its fixed-for-life, super-long-term loans.
1.6 per cent, from the sharia-compliant triple-access online saver, but older interest rates.
bank Al Rayan, but older versions of the issues pay 0.5 per cent, £90 less a year monthly amount since the company Meanwhile, Santander removed all
account pay 1.1 per cent. on £10,000 of savings. Issue 30 of Andrew Bailey, the governor of the started keeping data in 2007. The aver- products with 60 per cent loan-to-val-
Sainsbury’s Bank’s defined-access saver Bank of England, told a Mansion House age two-year fixed-rate deal went from ue (LTV) ratios. Andrew Montlake,
Cynergy Bank pays 1.46 per cent on pays 1.4 per cent on balances above dinner on Tuesday that a half-point 3.25 per cent to 3.74 per cent; it was managing director of the broker Core-
issue 52 of its online easy-access £1,000, but older issues pay 0.2 per cent increase in the interest rate from its 2.55 per cent a year ago. co, said having the cheapest interest
account, but savers in old issues can be — £120 less a year on £10,000. 1.25 per cent level would be “among the rate on the market was “not where
earning as little as 0.2 per cent. This choices on the table” at the next The five-year fix average is up from many lenders want to be right now”.
makes a difference of £126 a year on Only Shawbrook Bank, which pays monetary policy committee meeting, 3.37 per cent to 3.89 per cent; it was
£10,000 of savings. The bank applies 12- 1.52 per cent on its easy-access account, on August 4. 2.78 per cent last July. “Lenders are also looking carefully
month teaser rates to these accounts, has raised rates on all older versions to at affordability given the current high
after which the rate falls. You can usual- the same level. So banks can do it, they According to the analyst Moneyfacts The average standard variable rate, levels of inflation and the increasing
ly call and ask to be transferred to the just prefer not to. there were 4,556 mortgage products which borrowers default to after their cost of living, which is leading to more
George Nixon available on July 11, down from 4,987 in fixed-rate deals end, has gone from cautious underwriting and more
June. The average two-year and five- 4.91 per cent to 5.06 per cent in a month. questions being asked.”
year fixed rates have risen by the largest David Byers

56 Saturday July 23 2022 | the times

Money

The airport parking pinch: £6 for

Should you get a lift, park off-site or take the
train? George Nixon does the maths for you

It’s not just the cost of flights, car have cost £44.96 — a saving of 12 per £77.10 Short stay parking at Heathrow Termi- for transfer buses at park-and-ride
hire and accommodation that cent. nal 5 from August 6 to 13 would cost services, and staff shortages. “A lack of
have gone up this summer — if cost of 24 hours’ £203.60 if booked this week, while staff means fewer parking spaces can be
you’re planning to drive to the air- Today it would cost you an average of short-stay parking long-stay parking would cost £156.30 — sold as there are not enough people to
port you will see a huge rise in £66.88 if you booked a month in at Heathrow if you 23 per cent less. manage the car parks and drivers, and a
parking prices too. advance and £128 if you left it until two lack of spaces always means that the
weeks before you were due to fly — don’t book At Gatwick’s North Terminal, a cost is driven up,” she said.
The average price of a typical eight- 91 per cent more. short-stay booking for the same dates
day stay at UK airports booked in ad- On-site airport parking is often di- would cost £207 this week, but long stay Drop-off parking
vance for this summer is 57 per cent If it’s too late to book months ahead, vided into short and long stay. Short would cost £119 — 43 per cent less.
higher than it was in 2019, according to there are still a few things you can do to stays are calculated hourly, according Even getting someone to take you to
the comparison site Airport Parking cut the cost. to the parking firm Airparks, and so is Edinburgh airport’s long-stay car the aiport has a cost these days, and not
Shop. In the last summer before the more expensive. Short-stay is usually a park is 12 minutes’ walk from the termi- just the price of petrol, which is now
pandemic, the average cost of parking The first is to use a comparison site- brief walk from the terminal, whereas nal while its mid-stay one is 4 minutes. over £2 a litre for super unleaded, ac-
for eight days across 11 airports and all such as Airport Parking Shop or Sky- long-stay often comes with a shuttle A booking to park at the long-stay costs cording to the RAC.
types of bookable car parks was £56.06. ParkSecure because you will get a wider bus. If you are planning to be away for a £58.99 between August 6 and 13, com-
Now it is £88.28. range of options with third-party com- week or more, choose long stay and pared with £68.99 at the latter. Of the UK’s seven busiest airports,
panies. Also check cashback websites don’t park in the wrong one by mistake. only Birmingham has not increased the
Over the past three years, six of the such as Quidco and TopCashback, Again the longer you book in ad- cost of drop-off parking in the past
UK’s seven busiest airports have also which offer cashback of up to 49 per vance, the more you save. If you turn up three years, but it was among the first to
introduced or increased charges for cent on some parking bookings. at the airport without a booking, you introduce charges.
dropping passengers off at the terminal. can expect to pay through the nose.
This can now cost up to £30. For example, if you wanted to book Heathrow and Gatwick went from
valet parking at Heathrow Terminal 2 Alice Fowler from Airport Parking not charging at all to drop off passen-
Airport car parks from August 6 to 13, it would cost you Shop said airport car parks blamed
£233 directly with the airport, but you soaring prices on the rising costs of fuel
There are three types of aiport parking: could get it for £109 with the company
on-airport, off-airport and usually the Happy Days Meet & Greet through a
most expensive option, which is meet- comparison site.
and-greet or valet parking.
At Manchester Airport, which is
On-airport car parks are run by the owned by Manchester local authorities,
airports and are usually the closest to for the same period you would pay at
the terminal. least £118 for a multistorey on-site car
park within walking distance of one of
Off-airport car parks are run by the three terminals. An off-site park-
third-party companies and are general-
ly further away so that you have to take The Stansted Express is
a shuttle bus or other transport to the the only London airport
terminal, but they tend to be cheaper. express worth its fare

With meet and greet you drop your and-ride service would cost £70 with
car at the terminal and someone takes Toadparking.
it to a car park for you, then brings it
back when you return. Before you book a third-party com-
pany, check its reviews on sites such as
The average cost of off-airport park- Google, Trustpilot or Tripadvisor.
ing at Birmingham for eight days in Make sure that you arrive in plenty of
August is £28.98. Parking at the airport time before your flight if you are going
would cost an average of £49.39 — to have to get a transport bus.
70 per cent more. Meet and greet would
cost an average of £53.31. Even if you park at the airport, there
are still ways to save money.
At Manchester it costs an average of
£47.79 for a week of off-airport parking
next month, £52.60 for on-airport
parking and £59.18 for valet parking.

At Heathrow the off-airport average
is £32.46. Parking at the airport would
cost an average of £171.55 and valet
parking would be £46.72.

At Stansted, the valet premium is
high. Across August, you would expect
to pay £83.06 for valet parking, com-
pared with £56.45 for airport parking
and £52.89 for off-airport parking.

The earlier you book, the cheaper
the deal. In 2019 it would have cost you
an average of £50.88 for eight days
parking across 11 UK airports if you
booked two weeks ahead. If you had
booked a month in advance it would

Why investment trusts are better than funds Taxman on

M any fund houses run two types Diverging fortunes 000s market and have a set number of shares. choices are right, they make more W ealthy cryptocurrency inves-
of investment products to offer 40 In order to sell your shares you need a money. tors could owe the taxman as
to potential investors — Return on £10,000 willing buyer. much as £2.28 million for the
conventional funds and investment 30 Pacific Horizon trust, run by Baillie past financial year, it estimates. In
trust versions. Pacific Horizon Funds and investment trusts run by Gifford, for example, is up 125 per cent 2020/21 the missing sum was £427,800
investment trust 20 the same management team are nor- over five years compared with a 74 per and in 2019/20 it was £142,000.
There has long been debate about mally run in the same way but with cent gain from the Baillie Gifford Paci-
which is the best — and now, it seems, Source: FE fundinfo Baillie Gifford Pacific 10 investment trusts, managers have more fic fund. Both are managed by Roderick HMRC said that it could also be owed
the jury is in. 2018 19 20 21 22 0 scope to improve performance. Snell. £543 million in tax due on capital gains
made by investors and medium-sized
Bestinvest, an online investment can keep your money as cash or buy One of these enhancement levers is The good news is that it’s possible to businesses in the last tax year.
platform said that for almost two-thirds shares with it. When you sell your units the use of gearing. This is where the pick up investment trusts on the cheap.
of the time fund management teams in the fund, the units are effectively trust borrows money to increase its Jason Hollands from Bestinvest said: Meanwhile individuals earning more
that run both types of product deliv- cancelled and the managers return holdings. This tends to boost returns “They can represent a bargain for new than £200,000 and medium-sized busi-
ered better returns in the investment your money, normally by selling part of when stock markets are rising, but is investors.” nesses (those with a turnover of over
trust over five years. the fund’s portfolio. bad news when share prices are falling, £10 million or more than 20 employees)
because the losses are greater. The performance of the Ruffer In- could owe a maximum of £8.69 billion
A fund is a diversified portfolio of Investment trusts, meanwhile, are vestment Company, a trust that invests in taxes, according to the Revenue’s
assets. The manager that runs them can funds that are listed on the stock This gearing however, is one reason in a number of assets including shares, worst case scenario.
invest in company shares, bonds, gold why successful investment trusts inflation-linked bonds, and gold, is
and other commodities, or a combina- perform better than their equivalent 10 percentage points better than its sis- HM Revenue & Customs said that as
tion of all of them. funds: they put more money behind ter fund, the LF Ruffer Total Return. many as one in ten people in the UK
their investment choices and if their David Brenchley own or have bought cryptocurrency
When you buy a fund, the manager

the times | Saturday July 23 2022 57

Money

ten minutes Express trains You could instead take the Elizabeth from London. Unlike other airport
Line, which takes 29 minutes from Pad- express trains it does make a stop, at
gers to charging £5 last year. Gatwick’s Those who would rather travel by dington and costs £25.40 at peak times, Tottenham Hale (departing from there
drop off fee gives you up to ten minutes public transport should steer clear of £21.40 off-peak. There is no need to will cost £31.90 for an open return), and
to unload your passenger, but it will cost express train services to London’s air- book in advance. there are also slightly slower trains
you £1 extra for every minute after that ports, which are up to 47 per cent more from Stratford (£32.70). However, if
up to a maximum charge of £25. The expensive than their slightly slower al- You could also take the Piccadilly you’re looking to save money, a return
maximum stay is 30 minutes. ternatives. Heathrow, Gatwick and Line to Heathrow, but this takes about National Express coach ticket from
London Stansted have direct express 50 minutes. It would cost £5.50 one way Liverpool Street, which takes one hour
At both airports, your number plate services to central London. The short- from Piccadilly Circus at peak times, or and 20 minutes, can cost as little as £10.
will be scanned by the cameras and you est possible journey is 15 minutes from £3.50 off-peak.
have until midnight the day after you Paddington to Heathrow. The Stansted Outside London, it’s much cheaper.
drop someone off to pay the charge on- Express takes 50 minutes from Liver- An open return on the Gatwick Ex- A train from Manchester Piccadilly to
line. If you don’t, you face a penalty pool Street and the Gatwick Express press costs £36.80 departing today, but Manchester airport can take 16-24 min-
charge of £40 at Heathrow and £60 at takes 30 minutes from Victoria. a return on the Southern Rail service utes and an open return costs £11.70.
Gatwick. (we chose a return date of August 6,
But you can only book these services which was cheaper than an open You can get a tram from St Andrew
Tony Caccavone from Heathrow said directly, rather than through third-par- return) cost £25 — 37 per cent less. The Square in central Edinburgh to the air-
last year that the charge would “protect ty sites such as Trainline, and they cost train stops twice on the way but would port in 37 minutes for £9 open return.
the business financially” and encour- a lot more than slower trains. An open only take 2-3 minutes more.
age more people to take public trans- return from Paddington on the Heath- A train from Birmingham New Street
port to the airport. row Express leaving today and return- Only Stansted’s express service, to Birmingham International airport
ing up to a month later costs £37. which costs £32.70 from Liverpool takes 9-18 minutes and is £7.90 for an
Gatwick’s chief commercial officer Street, is worth it, because there is no open return. There are also X1 and X12
Jonathan Pollard said: “We know that a other direct train to the Essex airport buses from the city centre.
drop-off charge is not going to be popu-
£180 lar with everyone, but we have just lost
£465 million and more than 40 per cent
cost of eight days’ of our staff, so this new revenue stream
parking at will help us to protect jobs.”

Edinburgh airport At Stansted you pay the charge by
if you don’t book card or cash before entering. It went up
from £4 for up to 15 minutes to £7 in No-
vember 2020. If you stay up to 30 min-
utes it will cost you £25.

In 2020 Manchester airport in-
creased the drop-off charge from £3 to
£5 for five minutes and from £4 to £6 for
ten minutes. You can pay with a bank
card or cash, and if you stay longer than
ten minutes there is a charge of £25.

Drop-off parking at Luton airport
has also been affected by the parking
shrinkflation. Before January last year
drivers paid £4 for up to 13 minutes
drop-off time, but the cost has since in-
creased to £5 while the maximum
amount of time you get has been re-
duced to 10 minutes.

In 2020 Edinburgh doubled its drop-
off charge to £4 for up to 10 minutes,
rising to £30 for up to an hour.

Drop-off charges

Airport August 2019 August 2022 Increase
Heathrow None £5
£5 £5
Gatwick None £3
£5 for 10 min, £2
Stansted £4 for 15 min then £1 a min to 20 min £1
Manchester
£3 for 5 min £7 for 15 min, £2
Luton £4 for 10 min £25 for 30 min
Edinburgh None
Birmingham £4 for 13 min £5 for 5 min,
£6 for 10 min
£2 for 5 min
£4 for 10 min £5 for 10 min,
£10 for 15 min then £1 a min
£3 for 15 min
£8 for 20 min £4 for 10 min,
£8 for 15 min
£30 for an hour

£3 for 15 min
£8 for 20 min

hunt for the missing billions

but only 42 per cent were aware that the law firm Pinsent Masons said: “The
they might be liable to pay tax on it. seizure of NFTs by HMRC should
sound alarm bells for those who think
The tax authority has been clamping that they can get away with evading tax.
down on the use of digital assets for tax HMRC is rapidly improving how it
tracks down and traces cryptoassets.”
£8.6bn
The tax office is working with the
HMRC’s worst-case estimate of tax it is joint chiefs of global tax enforcement
owed by top earners and businesses group (J5) in Canada, the US, Australia
and The Netherlands to share intelli-
evasion. HMRC said in February that it gence and coordinate efforts on crypto-
had opened 20 criminal investigations related tax evasion. HMRC said: “We
involving cryptoassets. have detailed guidance to help custom-
ers to apply tax law to cryptoassets. We
A non-fungible token (NFT), which gather data from a range of sources and
is a digital receipt of ownership of assets take action to make sure everyone pays
such as art, videos or music, was seized the tax due, from individuals operating
by HMRC for the first time this year as in the hidden economy through to so-
part of a fraud case. Steven Porter from phisticated organised crime groups.”
Lily Russell-Jones



the times | Saturday July 23 2022 59

Money

The advice firm cutting
costs, but not for you

St James’s Place claims What you are paying fees. You can turn off the SJP advice
to be reducing fees. Not charge, saving you about 0.5 per cent a
that many customers Fee for every £100 invested year, and your adviser will stop moni-
will have noticed, toring your investments.
writes Ali Hussain Fund management cost Fee to SJP
Why it matters
£0 £0.50 £1.00 £1.50 £2.00
£1.36 Value assessment reports were intro-
SJP’s UK fund £0.30 £1.37 duced by the Financial Conduct
Authority, the City regulator, to enable
COPING Britain’s largest advice service Global Emerging £0.30 £1.31 Source: St James’s Place investors to better understand the value
WITH has put up fees on six of its Markets £0.24 £1.29 they are getting from those managing
THE funds despite claiming that it £0.22 their pensions and investments.
CRISIS is cutting costs for customers. North American £0.25 £1.36
St James’s Place (SJP) hires £1.37 If you have £100,000 in a pension
third-party fund managers to create Strategic that grows by 5 per cent a year, with no
Managed £1.56 fees you would make a profit of £331,194
£1.33 after 30 years.
Equity Income £1.36
If your annual cost were 2.3 per cent,
bespoke products that are available Sustainable & £0.24 £1.74 as applied by SJP on average, your
only through its advisers. In its annual Responsible Equity profits would shrink to £122,389, losing
63 per cent of your return to the people
value assessment report, in which it is Allshare Income £0.40 managing your money. If you cut the
required to justify its charges, SJP says fees down to 1 per cent by using a lower-
cost platform, no adviser and cheaper
‘My flatmates and it has reduced its fund management Global Equity £0.10 funds, you would gain £224,340, losing
I now shop and 32 per cent of your profits.
cook together’ charges from an average of 0.36 per International £0.03
cent in 2018 to 0.3 per cent today. Equity £0.25

The report states: “Our scale allows Property
us to negotiate a very competitive price

for all our clients, irrespective of how

much you choose to invest.” However, Another 40 per cent weighting is given

the total fee paid for six of its funds has to whether or not the fund has met its

risen in the past year. objectives, and the final 20 per cent is

Like millions of Morrisons, and get it The cost of fund management is a based on whether or not risks have
other young delivered. We split the
workers Alex £4 delivery cost.” tiny portion of the fees clients pay the been managed properly, and to what
Mylonas is feeling the
pinch. (David Byers He has cancelled his company. The biggest portion is the extent the fund’s manager has consid-
writes). He is 24, lives in £25 a month Pret coffee
Acton, west London, subscription and agreed cost of the SJP platform used to make ered ethical and sustainability issues.
earns £26,000 a year with his company that
in his first job in he can work from home investments, followed by the cost of Based on this, SJP has concluded
recruitment and three days a week,
sometimes gets a few saving Tube fares. an adviser, which customers are auto- that only three of its funds performed
thousand pounds extra
in commission. Yorkshire Building matically opted into paying. unsatisfactorily and were not offering
Society’s Inflation
Mylonas pays £700 a Nation survey of 4,000 Take, for example, the Global Equity value for money. These are the Gilts,
month rent. He and his people suggests that
two flatmates split 24 per cent of people fund, the largest managed by the com- Global Emerging Markets and Japan
household bills three plan to cut back on
ways but are each non-essential items such pany. If you have £100 invested in it, funds. The rest are rated as good,
paying £120, up from as restaurants, holidays
£100 six months ago. and trips to the pub by you pay 10p to the four experts who broadly delivering value, or have a new
“I seem to be scraping £50 to £99 a month,
the barrel every month,” while 19 per cent plan to make the decisions about where to management team in place so it is too
he said. “It does seem save £100-£199. Some
a bit of a battle to get 70 per cent of under-40s invest. Another 50p is paid to the early to say.
out of the overdraft at said they would cut
the moment.” back, with 14 per cent of adviser and 75p for the use of the SJP The Property fund is given a good for
those planning to save
Mylonas has stopped between £200 and £500. platform. Another 8p covers other performance, but it is up 3.8 per cent
driving his car, which
was costing him £50 Nitesh Patel, a administration costs, taking the total and 8.4 per cent respectively over three
a fortnight, and the strategic economist at
flatmates are working Yorkshire Building charge to £1.43 a year. and five years, compared with 9.1 per
together to cut costs. Society, said: “If people
“Trying to turn lights are not spending, Comparisons with the company’s cent and 18.6 per cent for its bench-
out and batch washing businesses cannot
are two examples,” he survive. Taken to the earlier value reports show a rise marks. SJP’s UK income fund,
said.“We also try to extreme, this could be
shop in bulk. Instead of closures and job losses. in total fees paid by clients. up 4.25 per cent over five
popping to the shops as
we used to do, we do one “Business, as well as The Allshare Income years compared with the
big shop together each people, are going to
week, at Sainsbury’s or need considerable £154bnfund, for example, costs benchmark of 16.91 per
support to get through cent, is also described
a very difficult period.” 1.96 per cent today, but as having good per-
it cost 1.81 per cent in
2020. The Property formance.

fund costs 1.99 per SJP’s UK income

cent but customers client funds under fund is managed by
paid 1.89 per cent two Adrian Frost from
management by
years ago. Artemis, another fund

The Diversified As- St James’s Place group. If you invested

sets fund now has a in the Artemis Income

2.42 per cent charge, up fund, managed by Frost,

from 2.41 per cent in 2020. you would be up 17.5 per cent

Equity C, Equity B (both available only over five years.

to overseas customers) and Money SJP said: “While our fund manager

Market fund charges have increased costs are coming down, some third-

too. party costs can vary from time to time,

By charging an all-inclusive fee that and we seek to reduce these where

includes advice, SJP funds almost possible.”

always fail to beat their benchmarks What can I do about it?
if you take account of its fees. SJP

disputes such analysis, but does provide SJP offers everything you need to

benchmark comparisons on its website. invest, including the advice, investment

Of the 35 unit trust funds available products and platform with which to

to UK clients, four beat their bench- make an investment. However, as with

Money marks. They are Asia Pacific, Emerging a packaged holiday you will be paying

Email newsletter Markets Equity, Global Value and more than you would have if you had

From stock tips to mortgage advice, Sustainable and Responsible Equity. bought each element separately and
we’ll send you the latest personal
finance and investment news to The remaining 31 funds, which hold left out the bits you didn’t need.
help make your money go further
£32.6 billion, are underperformers over DIY services such as Interactive
Sign up at home.thetimes.co.uk/myNews
five years. Investor and AJ Bell have been

How SJP judges performance engaged in a price war, driving down
the cost of investing. AJ Bell has a plat-

Value reports require companies to form charge of up to 0.25 per cent a

justify their charges, but they can year, a third of the SJP’s fee.

choose how they do this. Iweb, another investment platform,

SJP judges performance using the which is part of Halifax, charges you

following criteria: how well a fund nothing to hold your money, but you do

compares against its benchmark or pay a flat £5 a trade. SJP charges up to

other similar funds accounts for 40 per 5 per cent on any new money added to

cent of a fund’s performance figure. its products, to cover advice and other

60 Saturday July 23 2022 | the times

Money

Fashions come and go — Following a theme
just look at Blockbuster
Thematic funds' performance since launch

Beat benchmark Below benchmark Fund closed

1-year 23.9% 26.2% 72.5%
29.8% 19.3%
3-year 52.5% 30.6%
52.6%
5-year 39.6%

Get rich slowly It was the year I was born, 1987, point opening a new shop every 24 10-year 21.5% 25.9%
that the Chicago-born hours. Huizenga sold the firm to
David entrepreneur Wayne Huizenga Viacom for $8.4 billion in 1994, and 15-year 8.9% 14.7% 76.4%
Brenchley moved from rubbish collection bought the American football team
into video rentals by buying the Miami Dolphins. But it’s neither Data correct to 31 December 2021 Source: Morningstar Direct
several Blockbuster Video stores. Blockbuster nor the Dolphins that
he’s best known for today, at least in Lauderdale, Florida, with a single funds tend to be launched near the
At that point, Blockbuster’s shop the investment industry: it’s his waste garbage truck and expanded end of big bull markets, a period of
count in the US amounted to 19, but it disposal company. aggressively by buying smaller rivals. generally fast-rising share prices that
wasn’t long before it became one of It listed on the stock market in 1972 tend to come crashing to an end.
America’s best-known firms, at one Waste Management started in Fort and Huizenga left 12 years later.
This period is normally followed by
Today, Waste Management is a a spike in the number of fund closures
mainstay of many sustainable funds the next year — time will tell if that
because its biggest operation is trend continues in 2022.
recycling. Funds that hold the
company include the Pictet Global Thematic funds do well for a bit
Megatrend Selection, a £9.6 billion because the theme that they are
fund offering investors access to 12 linked to performs well and more
investment “themes”. investors get sucked in, then the
companies that they invest in get too
Thematic funds invest in expensive, performance falls sharply,
companies that contribute to a investors bail out of the funds and
common goal and they are very they are shut down.
popular at the moment.
Even the Pictet fund, which is
An electric vehicles thematic fund picked out by Ashhar and has
would invest in companies that survived for almost 14 years, has only
produce electric cars as well as the narrowly performed better than the
ones that make components. The Vanguard Global Stock Index fund,
iShares Electric Vehicle and Driving which simply follows the performance
Technology exchange traded fund of all listed companies around the
(ETF) holds the carmakers Tesla and world.
Suzuki, as well as the sat-nav maker
Garmin and chip-maker Qualcomm. Fund managers will try to convince
you that thematic investing is the way
Popular themes are artificial forward. It’s not. Most of us should
intelligence and robotics, and carry on investing as we have been:
thematic funds are being pushed by buying a fund that returns the value
fund houses that are struggling to of a global index on a monthly basis
hold on to customers who have and ignoring the market movements
realised that most stockpickers aren’t in the meantime.
actually any good. The data firm
Morningstar said that 589 thematic I had an ill-fated flirtation with the
funds were launched globally last L&G Hydrogen Economy ETF, which
year. Many will get plenty of take-up invests in firms with hydrogen-related
and pocket plenty of profit for the products, such as Denmark’s clean
managers. power company Orsted and the green
energy firm Bloom Energy. It also
So, are thematic funds worth invests in China’s diesel engine maker
investing in? Weichai Power and the carmaker
Hyundai. The share price had already
Since 2013, an index of thematic fallen when I bought at £6.60; I ended
funds constructed by the ratings up selling about 11 per cent lower at
agency Morningstar has returned £5.90. Today it’s at £4.60, so I’m
7.5 per cent a year compared with happy I’m out and don’t plan on
6.28 per cent for the global stock making the same mistake. The ETF
market more broadly. Some individual was launched in February 2021 and
themes have done better: digital has lost almost half its value.
economy funds have returned
9.48 per cent and cloud computing If even fund houses can’t tell the
8.5 per cent a year. right time to launch a fund, how can
you and I?
Still, identifying the themes that
will endure is not easy. By the end of It may be that thematic funds
2021, about 30 per cent of all thematic become a good bet for investors, but
funds launched over the past five after a bumper year of launches, the
years had been shut down. Of the smart money is on most of the new
funds launched in the past 15 years, cohort going the way of Blockbuster.
80 per cent had been closed.
Online
More damningly, of those that did
survive, just 3 per cent gave better Follow David Brenchley’s
returns than the benchmarks that
they compare themselves against. investments as he

The problem, said Sabeeh Ashhar makes his changes
from Morningstar, is that thematic
thetimes.co.uk/getrichslowly

Remember to pay HMRC

The next instalment of cing payment by the end of the
tax for next year is due following January.
this month for those You can make payments
paying their bill in ad- online through your
vance. gov.uk account, or by bank
transfer. You don’t need to
Payments on account make two payments if your
are made twice a year by last tax bill was less than
self-employed workers, £1,000, or if you have already
landlords, or those with
second incomes to spread out this year paid 80 per cent of
the cost. The tax office lets you pay what your bill was last year.
in advance based on last year’s bill. You If you think that you will have diffi-
pay half you paid last year by midnight culties paying, contact HMRC as soon
on January 31 and the other half by mid- as possible and it may be able to set up
night on July 31. If your bill has gone up a payment plan.
since last year you then make a balan- David Byers

the times | Saturday July 23 2022 61

Money

Can we escape the tenancy trap?

Times Money government has promised a Renters’
Mentor Reform Bill, which could abolish
Troubleshooter fixed-term contracts. But it doesn’t
sound like you have time to wait, so
Katherine the best bet is to try to negotiate the
Denham terms of the tenancies.

M y wife and two children Demand tends to be highest in the
and I are looking to summer as parents look to settle their
move house so that my children into a new home before
son can be in the school starts, so if you could hold off
catchment area for our then you might have more chance of
preferred school by January, but we negotiating an agreement without
are struggling to find a place to rent. getting into a bidding war.

There is fierce competition for Don’t solely rely on the popular
properties in Wandsworth, south- websites like Rightmove and Zoopla.
west London. We have focused our You could try to connect directly
search on two-bed flats and can with landlords by joining Facebook
stretch to paying £3,000 a month in groups or searching on websites like
rent but we keep being outbid. OpenRent. Perhaps a landlord read-
ing this article could help.
Many of the tenancy agreements
also have really onerous terms and I hope you find somewhere for you
most have annual rent increases of and your young family to live.
between 3 per cent and 6 per cent.
If you would like us to investigate
Some even say that your annual a consumer problem, write to
salary must be 30 times the rent to Troubleshooter, Times Money,
qualify. As my wife is on maternity 1 London Bridge Street,
leave, I barely squeak through on my London SE1 9GF or
own for some of these properties. [email protected].
Please include a phone number
Every place we have viewed has a
minimum-length tenancy of three Money Mentor years, but Dan Wilson Craw from the
years with no break clause. In less campaign group Generation Rent
than three years we hope to buy a Online said the shift towards longer tenan-
home, so locking ourselves into such Find out if you cies is a more recent trend. He thinks
a long contract seems very unwise. would be better off they are designed to lock in high
We have tried to negotiate on proper- renting or buying rents before the cost of living crisis
ties by asking for a one-year break suppresses what people can afford.
clause but they just get snapped up by thetimes.co.uk/money-mentor
other renters. It’s also not illegal for landlords to
Troubleshooter says offer long tenancies of three years
Some contracts have a change in Your experience paints a worrying without a break clause, which allows
occupancy clause, but if we decide to picture of the rental market. In the the tenant or the landlord to end the
move we would have to find new ten- three years to March the number of tenancy early. But it does seem un-
ants ourselves by advertising the properties available to rent through usual given that 90 per cent of
property and conducting viewings. letting agents halved, mostly because assured shorthold tenants started on
lots of landlords decided to sell, initial six-month or 12-month con-
We have savings for a house depos- according to the industry body tracts, according to the latest English
it, but we can’t afford a mortgage at Propertymark. Housing Survey.
the moment because we are living on
my earnings alone so we have little When Covid restrictions were You can ask for a break clause but
choice but to rent. Is it normal or even lifted there was a huge spike in de- as you know landlords don’t have to
legal to ask tenants to lock them- mand for homes in cities. This high agree. The housing charity Shelter
selves into a three-year contract with demand and a shortage of homes are told me that any tenancies that are
no way out? causing bidding wars and propping longer than three years have to be
Relte, south London up rents, which are now at a record executed by deed. So landlords are
high average of £1,113 a month. exercising the limits of what they can
do legally before they would have to
Annual rent increases of 6 per cent jump through hoops themselves.
seem very harsh but there’s nothing
to stop landlords from doing this. The letting agent can charge a fee
to find a replacement tenant on your
Affordability tests like the one you behalf. Unless they can prove it costs
describe have been common for more, this is capped at £50. The

Smart meters, but dumb suppliers

In December I contacted my sound manner and want to run could work out at an eye-
energy supplier, British Gas, to our home using smart watering annual bill of £3,244 for
ask about getting smart meters technology to achieve this. the average dual fuel customer.
installed in my home. Paul Horbury, West Yorkshire
Your smart meter didn’t sound
I was offered an appointment Troubleshooter says too clever. I’m not sure why the
the following day which I Energy suppliers are very eager technician gave you the
accepted and the technician to install smart meters because impression that the connection
arrived and installed both gas they have government quotas to issue could be sorted remotely.
and electricity meters. However, fill yet we often speak to readers
he was unable to connect them to who encounter issues with the When you got in touch with
the communications network to technology. British Gas in March to get an
allow them to report back and he update the firm looked into it
didn’t install my in-home Just over half of all gas and again. You needed another visit
monitor either. He implied that electricity meters in the country from a technician to connect it,
communication would be are smart meters, but about one but in March the company had
established within days. in eight aren’t operating in smart no available engineers and it
mode. Smart meters expected you to call again to
But six months have now automatically send details of your book an appointment. It was only
elapsed and despite many energy usage to your supplier. when I got in touch in July that
attempts to get this sorted, my You can keep an eye on your you miracullously got an
meters remain unconnected and consumption and the cost using a appointment the following week.
British Gas has ignored my digital display gadget. British Gas said it was sorry for
complaints. This means I still the delay.
have to read the meters manually This is particularly useful given
and send the readings to British that the energy cap, which limits You told me your smart meter
Gas. My main issue is that British the amount suppliers can charge and display have now been
Gas has left this job unfinished. custmers on their variable tariffs, installed and you thanked me for
is set to go up in October to what my help. Now you can watch in
We try to live in an ecologically real time as your bills go up!

62 Saturday July 23 2022 | the times

Money

Unit trust and open-ended investment company prices

Weekly Yld Weekly Yld Weekly Yld Weekly Yld Weekly Yld Weekly Yld
Buy +/- % Buy +/- % Buy +/- %
Sell Buy +/- % Sell Buy +/- % Sell Sell Buy +/- % Sell Sell
… +5.20 3.13 … +0.30 0.60
ALLIANZ GLOBAL INVESTORS FIDELITY INTERNATIONAL UK Growth Acc ‡@ 827.04 … +23.23 … UK Alpha Fund A Acc ‡@ 142.70 … +8.90 0.36 UK Index Dist ‡@ 161.20 … +38.20 0.76 Caut Port A Inc ‡@ 152.00 … -0.70 …
Inv Serv: 020 7065 1400 Helpline: 0800 317 573 Private Clnts 0800 414161 Broker Dlgs 0800 414181 … +91.01 … UK Irsh Sm Co Fd A Acc ‡@ 742.50 … +6.60 … US Ind Acc ‡@ 800.10 … +13.20 0.58 Opps Port A Acc ‡@ 280.20 … -0.50 …
UK Sml Cos Eqty Acc ‡@ 1492.22 … -1.65 … UK Property A Acc @ 264.95 278.15 +0.38 Worldwide Acc ‡@ 335.50 Prog Port A Acc ‡@ 266.60
UK Property A Inc @ 105.80 111.07 +0.15 2.63
Gilt Yield A ‡@ 206.01 … -0.62 … Amer Spec Sits ‡@ 2329.00 … +71.00 … UK Sml Cos Gwth ‡@ 82.54 US Growth Fund A Acc ‡@ 1692.00 … +104.00 2.68
… +0.72 0.12 American ‡@ 5170.00 … +259.00 …
Strategic Bond Fund ‡@ 171.84 … -0.77 Euro Opps ‡@ 535.60 … +29.40 … …
… +49.77 … European ‡@ 3096.00 … +124.00 0.36
UK Corp Bond C ‡@ 104.79 … +10.94 3.28 Extra Income ‡@ … 4.74
… +285.21 4.14 Glob Spec Sits ‡@ 24.26 … +0.34 …
UK Eqty C ‡@ 6317.26 … -10.08 1.58 Global Focus ‡@ 5459.00 … +251.00 … Overseas Growth Investment Funds
… +278.37 3.01 International ‡@ 2896.00 … +153.00 0.08
UK Eqty Inc A ‡@ 325.43 0.07 Japan ‡@ 149.50 … 0.54 M & G SECURITIES
Moneybldr Bal ‡@ 527.50 … +1.10 3.61 Enq: 0800 390 390 Dealing Line: 0800 328 3196
UK Gwth A ‡@ 7926.60 Moneybldr Glob 327.60 +14.60 0.21 Authorised Inv Funds Eur Sel Gth A Acc ‡@ 3189.00 … +176.00 0.51
Moneybldr Gwth ‡@ 45.78 … +0.87 …
UK Index A Inc ‡@ 1423.81 Moneybldr Inc ‡@ 327.60 … 4.04 INVESTEC FUND MGRS
Moneybldr UK Ind ‡@ 76.12 … -1.90 3.08 Broker Support and Dealing: 020 7597 1900
UK Mid Cap A ‡@ 4780.71 Special Sits ‡@ 32.29 … +0.20 1.34 OEIC Series i,ii,iii, & iv Charifund Inc ‡ 1496.62 … +37.54 5.18
Wealthbuilder 122.20 72.18 +0.40 0.44
4294.00 +3.94 JP MORGAN ASSET MGMT Tracker and Specialist Investment Funds
69.75 +173.00 OEIC
-0.11 UK Trkr A Acc ‡@ 356.20 … +11.30 2.99
American A Acc ‡@ 647.75 … +35.71 … Sterling Class A Investment Funds 1 UK Trkr A Inc ‡@ 182.30 … +5.80 3.06
Asia ex Japan A Acc ‡@ 770.74 … +10.30 …
Capital Accumulator A Acc ‡@ 231.48 … +8.50 … Asia A Acc ‡@ 263.30 … +3.50 …
Cautious Managed A Acc ‡@ 371.79 … +3.23 1.98 … +7.40 …
ARTEMIS FUND MGRS LTD Cautious Managed A Inc ‡@ 235.85 … +2.05 1.93 Emerging Mkts ‡@ 257.70 … +9.70 0.50 Euro Smlr Cos Acc ‡ 525.29 … +6.31 …
0800 092 2051 Diversified Growth A Acc ‡@ 131.42 … +2.83 0.61 … +41.60 … Euro Smlr Cos Inc ‡ 462.50 … +5.55 0.69
Authorised Inv Funds Diversified Growth A Inc ‡@ 139.19 … +3.01 … Eur Dyn (ex-UK) A Acc ‡@ 261.30 … +73.00 1.44
Diversified Income A Acc ‡@ 313.49 … +2.16 2.57 … +3.30 5.21
Diversified Income A Inc ‡@ 68.38 … +0.48 4.09 Euro Smllr Cos ‡@ 882.80 … +0.90 5.36 UK and Income Investment Funds
Emerging Mkts Blended Debt A Acc ‡@ 106.83 … +1.75 4.27 … +0.80 …
Capital R Acc ‡@ 1977.68 … +74.11 3.31 Emerging Mkts Blended Debt A Acc Gross ‡@ 125.82 … +0.06 4.21 Europe A Acc ‡@ 1682.00 … +0.60 … Corp Bond A Acc ‡@ 303.50 … +1.50 1.67
… +1.71 1.29 Emerging Mkts Blended Debt A Inc ‡@ 64.21 … +1.05 6.31 … +12.00 1.03 … +0.60 1.69
Euro Opps R Acc ‡@ 91.26 … +1.59 1.30 Emerging Mkts Equity A Acc ‡@ 155.76 … +3.21 0.89 Gbl Hi Yld Bd A Acc ‡@ 117.60 … +101.00 … Corp Bond A Inc ‡@ 114.20 … +7.30 1.37
… +13.28 2.38 Emrg Mkts Local Curr Debt A Acc ‡@ 172.14 … -0.03 4.49 … +23.70 … … +6.70 4.96
Euro Opps R Inc ‡@ 85.36 … +1.43 1.43 Emrg Mkts Local Curr Debt A Inc ‡@ 70.26 … -0.01 4.81 Gbl Hi Yld Bd A Inc ‡@ 31.40 … +72.00 0.60 Sterling Class A Investment Funds 2 Envir Invtr A Acc ‡@ 372.60 … +2.04 5.08
… +6.68 1.86 Emrg Mkts Local Curr Debt Gross I Acc ‡@ 220.49 … -1.26 5.42 … +64.00 0.62 … +10.80 3.95
European Growth R Acc ‡@ 327.31 … +3.75 2.65 HALIFAX INVESTMENT FUND MGRS LTD Enhanced Natural Resources A Acc ‡@ 134.24 … -4.54 … Gl ex-UK Bd A Acc ‡@ 263.30 … +36.60 2.65 Extra Income Inc ‡ 693.91 … +14.82 5.13 Hi Inc Bond A Ac ‡@ 229.60 … +3.50 4.05
… +2.46 2.74 01296 386 386 Global Bond A Acc ‡@ 139.30 … +5.98 0.82 … -73.10 2.11 … +1.34 1.09 … -0.14
Global Energy R Acc ‡@ 36.77 … +4.43 … Authorised Inv Funds Global Bond A Inc ‡@ 109.33 … +4.52 0.82 Gl ex-UK Bd A Inc ‡@ 201.50 … +7.20 0.99 Gilt & Fxd Int Inc ‡ 87.76 … +0.55 5.56 Hi Inc Bond A Inc ‡@ 70.43 … +3.80 …
… +1.25 5.50 Share Class `C Global Bond I Gross Inc ‡@ 1167.00 … +46.14 1.25 … +0.94 1.16 … +1.20 … +1.70 2.66
Global Growth R Acc ‡@ 334.35 … +21.57 4.22 Global Dynamic A Acc ‡@ 195.53 … +9.61 0.48 Glb Fins A Acc ‡@ 1077.00 … +0.53 1.15 Gl Hi Yd Bd Inc ‡ 39.90 … +2.39 … Hi Res A Acc ‡@ 367.00 … +7.40 2.69
… +9.64 4.35 Global Energy A Acc ‡@ 170.97 … -4.81 … … -1.30 … … +0.12 3.84 … +105.00 3.35
Global Income R Acc ‡@ 151.84 … +0.96 4.62 Global Equity A Acc ‡@ 235.31 … +10.17 0.46 Global A Acc ‡@ 2010.00 … +8.40 1.79 Index Linked Bd Inc ‡ 134.21 … +129.42 1.33 Hi Res A Inc ‡@ 116.90 2.50
… +3.99 … Global Franchise A Acc ‡@ 306.61 … +16.30 … … +6.10 1.74 2.39
Global Income R Inc ‡@ 99.69 … +1.46 2.32 Corporate Bond ‡@ 34.98 … +0.44 2.66 Global Free Enterprise A Acc ‡@ 1201.00 … +59.71 … Japan A Acc ‡@ 524.50 … -4.70 … Index Trckr Inc ‡ 73.39 Safety Plus A Acc ‡@ 40.49
… +0.78 2.35 Ethical ‡@ 112.20 … +4.80 0.01 Global Gold A Acc ‡@ 165.38 … +1.47 0.54 … -0.54 …
Global Select R Acc ‡@ 150.74 … +1.45 2.48 European ‡@ 100.90 … +4.02 2.07 Global Special Situations A Acc ‡@ 286.91 … +17.36 … Multi-Man Tst A Acc ‡@ 1273.00 … +2.30 3.41 Short Dated Corp Bd Inc ‡ 25.01 Strat Inc A Acc ‡@ 196.60
… +0.78 2.51 Far Eastern ‡ 116.80 … +2.80 1.75 Global Special Situations A Inc ‡@ 221.93 … +13.43 … … +0.88 3.50
High Income R Inc ‡@ 63.96 … +33.79 1.27 Fund of Inv Tst ‡@ 136.10 … +7.70 0.28 Managed Growth A Acc ‡@ 281.33 … +4.49 … Multi-Man Tst A Inc ‡@ 1131.00 … +12.00 … UK Select A Inc ‡ 2870.42 Strat Inc A Inc ‡@ 88.28
… +86.20 … Intl Gwth ‡ 123.30 … +4.60 1.16 Monthly High Income A Acc ‡@ 243.45 … +2.02 … … +4.30 …
Income R Acc ‡@ 487.43 … +34.25 1.14 Japanese ‡ 66.52 … +2.05 1.48 Monthly High Income A Inc ‡@ 63.17 … +0.42 … Nat Resources ‡@ 857.40 … +34.00 0.34 UK Gwth A Acc ‡@ 184.20
North Amer ‡ 149.20 … +5.20 0.29 Multi-Asset Protector A Acc ‡@ 165.98 … +0.57 … … +6.90 3.12
Income R Inc ‡@ 217.85 Smaller Cos ‡@ 111.00 … +6.40 Strategic Bond A Acc ‡@ 244.54 … +0.50 … New Europe A ‡@ 155.70 … +3.48 3.09 UK Sel Gwth A Acc ‡@ 2150.00
Special Sits ‡@ 46.66 … +2.51 … … +14.00 …
Monthly Dist R Inc ‡@ 66.06 UK Equity Inc ‡@ 85.88 … +2.94 1.59 Portfolio ‡@ 299.40
UK FTSE 100 IT ‡@ 65.37 … +1.81 4.38
Strategic Assets R Acc ‡ 79.65 UK FTSE All-S IT ‡@ 74.85 … +2.52 2.55 Stg Corp Bd A Acc ‡@ 91.43
UK Growth ‡@ 77.92 … +2.88 2.35
Strategic Bond R M Acc ‡@97.17 3.11 Stg Corp Bd A Inc ‡@ 51.72 Sterling Class A Investment Funds 3 OEIC B Class
Tracker and Specialist Investment Funds
Strategic Bond R M Inc ‡@ 52.06 UK Act 350 A Acc ‡@ 199.00 Corp Bd A Inc ‡ 35.82 … +0.47 2.85
Dividend Inc ‡ 52.18 … +0.75 5.36
Strategic Bond R Q Acc ‡@ 96.99 UK Dynamic Acc ‡@ 203.30 Recovery A Inc ‡ 103.29 … +4.14 2.27
Sml Cos Inc ‡ 354.82 … +21.35 2.14
Strategic Bond R Q Inc ‡@ 52.14 UK Dynamic Inc ‡@ 147.40 UK Trkr B Acc ‡@ 393.00 … +12.50 3.17
UK Trkr B Inc ‡@ 181.20 … +5.70 3.24
UK Growth R Acc ‡@ 653.14 UK Equity A Acc ‡@ 401.90

UK Smaller Cos R Acc ‡@ 1860.36 UK Equity A Inc ‡@ 46.44

UK Special Sits R Acc ‡@ 654.01 UK Eqy & Bd Inc Acc ‡@ 167.10

UK Eqy & Bd Inc Inc ‡@ 90.29 UK and Income Investment Funds

UK Higher Inc A Acc ‡@ 1132.00 Sterling Class A Investment Funds 4 Corp Bond B Acc ‡@ 370.70 … +0.40 1.39
Corp Bond B Inc ‡@ 136.30 … +0.10 1.40
UK Higher Inc A Inc ‡ 531.30 Episode Allocation A Inc ‡@ 134.56 … +3.23 2.29 UK Gwth B Acc ‡@ 205.60 … -0.60 1.79
UK Sel Gwth B Acc ‡@ 2481.00 … +8.00 1.09
HSBC GLOBAL ASSET MGMT (UK) LTD UK Sm Cos A Acc ‡@ 579.60
Enq: 0845 745 6123 Dlg: 0845 745 6126 Mon-Fri 8-6
AXA FRAMLINGTON UNIT MGMT LTD HSBC Index Tracker Investment Funds (OEIC) UK Str Eq Inc A Acc ‡@ 195.90
Dling: 0845 602 1952 Priv Clients: 0845 777 5511
UK Str Eq Inc A Inc ‡@ 100.00

Equity Inc ‡@ 572.40 … -2.10 4.43 Amer Ind Acc ‡@ 915.50 … +39.51 1.07 US A Acc ‡@ 1036.00 MARKS & SPENCER UNIT TRUST LTD
211.80 -1.50 1.08 Amer Ind Inc ‡@ 735.33 … +31.74 1.08 0808 005 5555
Gilt Acc @ 201.30 78.24 -1.00 1.09 Euro Ind Acc ‡@ 1064.81 … +47.99 2.60
+48.00 Euro Ind Inc ‡@ 680.32 … +30.66 2.68
Gilt Inc @ 74.35 … -0.93 … FTSE 100 Ind Acc ‡@ 259.09 … +5.47 3.36 High Income 90.43 90.43 +1.10 4.58 OEIC C Class
66.09 -0.70 0.30 FTSE 100 Ind Inc ‡@ 119.63 … +2.52 3.43 245.00 +3.00 4.48 UK and Income Investment Funds
Health Acc ‡@ 2927.00 +4.50 4.20 FTSE 250 Ind Acc ‡@ 291.01 … +18.27 2.40 High Income Acc 245.00 425.60 +13.40 2.99
… +11.40 4.44 FTSE 250 Ind Inc ‡@ 179.85 … +11.30 2.39 215.70 +6.80 3.06
Jap Smlr Co Ac @ 62.56 … +95.00 0.68 FTSE All-S Acc ‡@ 668.12 … +21.66 3.31 UK 100 Comp Acc @ 425.60 325.10 +14.60 3.25 UK Gth C Inc ‡@ 122.40 … +4.90 3.95
… +8.90 0.73 FTSE All-S Inc ‡@ 343.40 … +11.13 3.39 662.30 +29.90 1.41 … +8.00 1.29
Managed Inc ‡@ 138.30 … Jap Ind Acc ‡@ 137.41 … +4.40 2.09 UK 100 Cos @ 215.70 931.90 +19.90 0.85 UK Sel Gwth C Acc ‡@ 2598.00
… … Jap Ind Inc ‡@ 107.09 … +3.43 2.44 548.10 +11.70 0.86
Monthly Inc Inc ‡@ 241.10 Pac Ind Acc ‡@ 494.28 … +12.01 2.73 UK Select Pflo @ 325.10
Pac Ind Inc ‡@ 311.07 … +7.56 2.80
UK Growth Inc ‡@ 222.70 UK Selection Port Acc @ 662.30

UK Select Opps Inc ‡@ 1973.00 Worldwide Mgd Acc @ 931.90

UK Sml Cos Inc ‡@ 285.70 Wwide Mgd @ 548.10 STANDARD LIFE INVESTMENTS
0845 279 3003
Investment Funds (OEIC) - Retail Shares

AXA FUND MANAGERS LTD HSBC Investment Funds (OEIC) - Retail Share Class MORGAN STANLEY INVESTMENT MGMT LTD AAA Inc CAT Acc ‡@ 93.16 … +0.43 1.05
Admin & Enq 0117 989 0808 Enquires: 0800 0961 962 AAA Inc CAT Inc ‡@ 52.78 … +0.24 1.06
AXA Trusts The Morgan Stanley Funds (UK) AAA Income Acc ‡@ 101.20 … +0.50 1.48
Class A Shares Amer Eq Gth Acc ‡@ 213.80 … +9.50
Gen Acc ‡@ 2101.00 … -53.00 2.64 Balanced Acc ‡@ 242.55 … +6.02 0.57 Equity Corp Bond Acc ‡@ 164.30 … +2.10 …
Gen Inc ‡@ 1079.00 … -32.00 2.70 … +3.09 … Corp Bond Inc ‡@ 55.93 … +0.69 2.94
Balanced Inc ‡@ 151.95 … +3.64 3.00 Dev Opp Fund F Acc ‡@ 764.54 … +50.32 … Euro Eq Gth Acc ‡@ 232.10 … +15.20 2.96
… +0.62 3.05 Dev Opp Fund I Acc ‡@ 761.51 … +50.09 … Glb Advtg CAT Acc ‡@ 150.80 … +4.30 0.30
Corp Bd Acc ‡@ 279.49 … +7.06 1.19 Glob Bal Inc F F Acc ‡@ 945.91 … +17.41 3.80 Glob Advtg Acc ‡@ 199.20 … +5.80 0.74
… +1.05 1.58 Glob Bal Inc F F Inc ‡@ 898.84 … +16.54 3.90 Glob Eq Uncstrd Acc ‡@ 150.20 … +6.60 0.70
Corp Bd Inc ‡@ 110.30 … +20.42 3.62 Glob Bal Inc F I Acc ‡@ 945.08 … +17.38 3.81 Higher Inc Acc ‡@ 138.00 … +3.40
… +1.62 3.72 Glob Bal Inc F I Inc ‡@ 897.95 … +16.52 3.91 Higher Inc Inc ‡@ 44.04 … +1.10 …
Gilt & Fd Int Acc ‡@ 497.78 … -1.33 3.21 Glob Bal Sust F F Acc ‡@ 949.77 … +18.03 0.67 Japan Eq Gth Acc ‡@ 127.40 … -0.30 4.47
… +2.71 3.79 Glob Bal Sust F F Inc ‡@ 939.60 … +17.83 0.67 Managed Acc ‡@ 355.90 … +11.30 4.54
Gilt & Fd Int Inc ‡@ 74.17 … +4.56 3.48 Glob Bal Sust F I Acc ‡@ 948.92 … +17.99 0.61 Select Inc Acc ‡@ 91.51 … -0.06
… +0.59 3.57 Glob Bal Sust F I Inc ‡@ 939.48 … +17.82 0.61 Select Inc Inc ‡@ 51.26 … -0.29 …
UK/Global Investment Companies Income Acc ‡@ 670.16 … +4.56 3.48 Glob Br Eq Inc Fund F Inc ‡@ 1340.56 … +48.77 4.08 UK Eq Gth Acc ‡@ 348.30 … +14.10 0.31
… +0.59 3.57 Glob Br Eq Inc Fund I Acc ‡@ 1817.40 … +66.03 4.06 UK Eq Hi Alpha ‡@ 214.70 … +8.90 2.21
Income Inc ‡@ 280.26 Glob Br Eq Inc Fund I Inc ‡@ 1437.59 … +52.23 4.16 UK Eq Hi Inc Acc ‡@ 261.20 … +8.60 2.21
Glob Br Fund I Acc (PH) ‡@ 1546.48 … +70.05 0.68 UK Eq Hi Inc Inc ‡@ 74.01 … +2.44 1.99
Euro Acc A ‡@ 234.70 … +0.10 1.18 Monthly Inc Acc ‡@ 313.41 Glob Br Fund I Acc (PH) ‡@ 13565.23 … +523.16 0.62 UK Ethical Acc ‡@ 198.40 … +11.50 3.38
Extra Inc Inc B ‡@ 86.74 … -1.81 1.16 Glob Br Fund I Inc (PH) ‡@ 1480.81 … +67.06 0.69 UK Opps Acc ‡@ 245.00 … +16.10 3.91
Global Gwth Acc R ‡@ 286.90 … +12.20 0.52 Monthly Inc Inc ‡@ 128.65 Glob Br Fund I Inc (PH) ‡@ 3727.53 … +143.76 0.62 UK Opps Inc ‡@ 222.60 … +14.60 4.04
Japan Acc A ‡@ 161.40 … +5.60 1.51 Glob Ins Fund F Acc ‡@ 575.83 … +72.56 … UK Smlr Cos Acc ‡@ 841.90 … +52.60 1.48
Pac Gwth Acc A ‡@ 479.80 … -18.60 2.30 UK Grth & Inc Ret B Acc ‡@ 137.94 Glob Ins Fund F Inc ‡@ 575.83 … +72.56 … 0.06
Glob Ins Fund I Acc ‡@ 574.08 … +72.31 … 0.06
UK Grth & Inc Ret B Inc ‡@62.06 Glob Ins Fund I Inc ‡@ 574.08 … +72.31 …
Glob Sust Fund F Acc (PH) ‡@ 1152.70 … +56.48 0.55 …
UK Gth & Inc Acc ‡@ 137.94 Glob Sust Fund F Inc ‡@ 1256.75 … +53.74 0.50
Glob Sust Fund I Acc ‡@ 1272.89 … +54.40 0.38
UK Gth & Inc Inc ‡@ 62.06 Glob Sust Fund I Acc (PH) ‡@ 1153.56 … +56.50 0.42
Glob Sustain Fund F Acc ‡@ 1278.52 … +54.67 0.49
CIS UNIT MANAGERS LTD HSBC Specialist Investment Funds (OEIC) Stg Corp Bond F F Acc ‡@ 125.18 … +1.99 2.78
08457 46 46 46 Stg Corp Bond F F Inc ‡@ 100.82 … +1.60 2.87
American Index Retail Acc ‡@ 915.50 … +39.51 1.07 Stg Corp Bond F I Acc ‡@ 2664.52 … +42.31 1.94
… +31.74 1.08 Stg Corp Bond F I Inc ‡@1413.47 … +22.45 1.97
European Gwth ‡@ 186.00 … +8.50 0.85 American Index Retail Inc ‡@ 735.33 … -0.67 Sust Fixed Inc Opps F F Acc ‡@ 931.69 … +7.05 1.86
Sus Leaders ‡@ 769.90 … +32.50 1.09 … -0.59 … Sust Fixed Inc Opps F F Inc ‡@ 907.00 … +6.88 1.88
UK Growth ‡@ 606.10 … +26.60 1.73 Asian Gth Acc ‡@ 147.77 … -13.85 … Sust Fixed Inc Opps F I Acc ‡@ 928.70 … +7.01 1.65 SVS BROWN SHIPLEY FUNDS
UK Income ‡@ 208.00 … +6.00 4.68 … -11.72 0.40 Sust Fixed Inc Opps F I Inc ‡@ 906.84 … +6.84 1.67 Enquiries: 0141 222 1151
Asian Gth Inc ‡@ 130.99 … -10.00 0.34 US Adv F F Acc ‡@ 1522.47 … +180.59 …
… -8.39 0.41 US Adv F F Acc (PH) ‡@ 852.15 … +107.82 …
Chinese Eq Acc ‡@ 513.81 0.44 US Adv F I Acc ‡@ 1622.65 … +192.39 … Balanced A Acc ‡@ 135.27 … +4.81 0.71
US Adv F I Acc (PH) ‡@ 894.28 … +113.13 … Balanced A Inc ‡@ 121.66 … +4.31 0.71
Chinese Eq Inc ‡@ 434.76 Cautious A Acc ‡@ 111.69 … +2.32 1.22
Cautious A Inc ‡@ 97.71 … +2.03 1.23
Euro Gth Acc ‡@ 973.97 Dynamic A Acc ‡@ 330.27 … +14.96
Dynamic A Inc ‡@ 299.03 … +13.54 …
Euro Gth Inc ‡@ 817.05 Growth A Acc ‡@ 339.66 … +14.10 …
Income A Acc ‡@ 247.14 … +7.05 0.82
CLOSE FUND MANAGEMENT LTD IGNIS ASSET MGMT Sterling Bond Acc ‡@ 242.37 … +1.39 1.17
0870 606 6402 Dlg: 0141 222 8282 Sterling Bond Inc ‡@ 97.00 … +0.54 …
…
Beacon Inv ‡ 84.88 … +0.45 0.01 American Gth Inc @ 322.55 340.42 +1.71 …
276.69 -1.59 1.52
414.92 -2.40 1.49 Strategic Bond A Inc ‡@ 119.47 … +0.23 … US Sm Cos A Acc ‡@ 921.70 … +65.90 …
-1.17 Target Return A Acc ‡@ 102.03 … +0.39 0.82
Balanced Growth @ 262.17 … -1.19 … Target Return A Inc ‡@ 87.63 … -0.07 0.87
426.26 -1.47 2.18 UK Alpha A Acc ‡@ 2549.21 … +96.20 1.30
Balanced Growth Acc @ 393.13 502.07 +2.16 2.24 UK Blue Chip A Acc ‡@ 770.11 … +5.67
349.90 +0.86 0.12 UK Smaller Companies A Acc ‡@ 5035.83 … +176.37 …
Corporate Bond ‡@ 99.69 88.64 +2.83 4.43 UK Smaller Companies A Inc ‡@ 4516.83 … +158.19 …
290.28 -2.35 4.32 UK Special Situations A Acc ‡@ 1235.58 … +64.60 …
European Growth @ 403.88 51.78 +0.95 0.94 UK Special Situations A Inc ‡@ 452.03 … +23.63 0.37 THREADNEEDLE INVESTMENTS
138.15 +1.59 0.66 0.37 Client Serv: 0800 0683000
Dealing: 020 7426 6232 European Growth Acc @ 475.71 76.96 +0.63 Intermediary Serv: 0800 0684000
100.84 -0.26 … Institutional Shares (Class 2) (500000 GBP)
Winchester ‡ 3569.48 … +119.96 0.38 Glob Gwth @ 331.53 526.34 -8.40 0.58 JUPITER UT MGRS LTD
798.14 -6.93 1.34 020 7581 3020
Higher Yield @ 83.98 663.79 0.15
0.21
Higher Yield Acc @ 275.04 Threadneedle UK Eq Opps Ins Inc ‡@ 121.59 … +3.81 0.98

Japan @ 49.06 Absolute Return ‡@ 33.84 … -0.66 …
… +0.90 2.31
Managed @ 130.89 Distribution and Growth ‡@ 94.47 … -72.04 SANTANDER UNIT TST MGRS
… +29.01 … 08457 413002
Managed Trust @ 71.96 Emg Euro Opps ‡@ 145.34 … +168.59 …
… +25.62 …
EDENTREE INV MGMT LTD Mngd Pfolio Inc @ 95.54 Euro Special Sits ‡@ 433.16 … +16.85 0.68 Bal Pfolio Inc ‡@ 110.50 … … … Retail Shares (Class 1)
0800 358 3010 … +6.40 3.68 Bal Port Gwth Acc ‡@ 231.10 … +3.20 1.08
Pacific Grth @ 498.71 European ‡@ 2736.17 … +18.03 2.20 Equity Inc Inc ‡@ 206.10 … +7.90 5.85 Threadneedle HY Bd Rtl Inc ‡@ 36.50 … +0.86 4.17
Resp & Sust Sterling Bond ‡ 90.54 … +3.33 … N&P UK Gwth Inc ‡@ 182.80 … +6.00 3.09 Threadneedle Mthly Etr Inc Rtl Inc ‡@ 80.96 … +2.36 3.31
Resp & Sust Eurp Eq ‡ 283.60 … +0.83 3.61 Smaller Comp @ 756.24 Financial Opps ‡@ 691.97 … +13.56 2.42 Stkmkt 100 Tkr @ 245.20 245.20 +5.20 1.52 Threadneedle SterlingCorpBd Ins Inc ‡@ 57.33 … +0.72 1.97
Resp & Sust Glbl Eq ‡ 319.70 … +9.80 1.55 … +9.02 … UK Growth Acc ‡@ 450.10 … +22.00 3.39 Threadneedle SterlingCorpBd Rtl Inc ‡@ 57.24 … +0.72 1.59
Resp & Sust Mgd Income ‡ 123.10 … +16.30 0.08 Smaller Cos @ 628.94 Income Trust ‡@ 490.56 … +6.94 0.52 UK Growth Inc ‡@ 245.50 … +12.00 3.46 Threadneedle Stg Bd Ret Inc ‡@ 52.30 … +0.62 0.80
Resp & Sust UK Eq ‡ 220.70 … +1.70 4.70 1.71 Threadneedle Strat Bd Ret ‡@ 42.47 … +0.72 2.62
Resp & Sust UK Equity Opps ‡ 270.10 … +10.30 0.99 For ISIS Asset Mgmt see F&C Fd Mgmt Ltd (OEICS) Merlin Bal (Acc) ‡@ 224.65 Threadneedle UK Eq Inc Rtl Inc ‡@ 97.52 … +3.04 3.41
… +12.20 0.91 JANUS HENDERSON INVESTORS Threadneedle UK Growth & Inc Rtl Inc ‡@ 92.81 … +3.42 2.60
Investors Serv: 0800 832 832 Dlng: 0845 946 4646 Merlin Gwth (Acc) ‡ 520.25 Threadneedle UK Insti Rtl ‡@ 174.66 … +5.83 1.38
Threadneedle UK Mthly Inc Rtl Inc ‡@ 68.07 … +1.96 3.96
Merlin Inc (Acc) ‡ 338.54 Threadneedle UK Rtl Inc ‡@ 130.93 … +5.72 1.08
Threadneedle UK Smaller Coms Rtl Inc ‡@ 364.45 … +13.79 …
INSIGHT INVESTMENT FDS MANAGEMENT LTD Merlin Wwide (Inc) ‡ 365.56
Client Servs: 0207 163 4000
Insight Investment Multi-Manager Funds UK Growth ‡@ 249.00

All Stks Credit A Inc ‡@ 123.30 … +1.40 1.66 UK Special Sits (Inc) ‡@ 198.62
Asian Div Inc U Trst Inc ‡@84.58 … +1.89 7.42
Well Bldr Bal Acc ‡@ 96.05 … +0.24 … Cautious Man Fd A Acc ‡@ 284.90 … +7.70 3.10 SCOTTISH MUTUAL INV MNGRS LTD
Well Bldr Gwth Acc ‡@ 93.79 … -0.32 … Cautious Man Fd A Inc ‡@ 143.30 … +3.80 3.07 0141 248 6100
China Opp Fund A Acc ‡@ 1371.00 … -4.00
F & C FUND MANAGEMENT LTD (OEICS) INVESCO FUND MGRS LTD Emg Mkts Opps Fd A Acc ‡@ 201.60 … +3.20 … LEGAL & GENERAL (UT MGRS) LTD European Inc 1777.00 1873.48 +12.14 0.78 For Resolution see Ignis
Enqs: 0870 601 6183 Dealing: 0870 601 6083 Dling: 0800 085 8571 Inv Serv: 0800 085 8677 Erpn Grth Fund A Acc ‡@ 273.00 … +11.80 … Enquiries: 0870 050 0955 Dealing: 0870 050 0956 Far Eastern Inc 584.69 617.09 +3.79 1.42 TU FUND MANAGERS LIMITED
Share Class 1 - Retail Brkr Serv: 0800 028 2121 Erpn Sel Opps Fd A Acc ‡@ 2004.00 … +77.00 0.44 Intl Growth Inc 380.56 400.59 -0.13 0.75
INVESCO Funds Fix Int Mnthly Inc Fd Acc ‡@ 29.78 … +0.50 1.39 Japanese Inc 41.85 41.85 +0.57 0.56
Corporate Bd ‡@ 52.58 … +0.58 1.55 Global Equity Fund Acc ‡@ 4414.00 … +190.00 8.58 Mutual European 2762.93 2908.99 -73.67 1.11
… +2.40 … Global Equity Income A Inc ‡@ 63.39 … +1.42 … Mutual Far Eastern 953.35 1006.17 +19.09 0.61
Emerging Mkts ‡@ 123.30 … +64.00 … Global Tech A Acc ‡@ 2931.00 … +164.00 3.54 Equity Acc @ 2616.00 2639.00 +17.00 2.12 Mutual North Am 1983.00 2092.88 +19.24 British 878.80 878.80 +48.70 …
… +0.56 Instl UK Idx Opps A Acc ‡@ 108.43 … +3.06 … Equity Dist @ 893.80 902.00 +5.60 2.15 Mutual UK Eq 1340.52 1414.80 +39.33 … European 210.70 219.40 +3.90 …
Euro Gwth & Inc 1 ‡@ 1133.00 … +13.20 1.82 M-Asset Abs Ret A Acc ‡@ 162.40 … +2.00 2.72 Euro Ind Acc ‡@ 470.40 +20.10 1.50 Nth American Inc 1227.65 1295.67 +29.21 3.01
… +16.20 3.16 M-Man Active Fd A Acc ‡@ 257.60 … +6.30 0.66 Euro Ind Inc ‡@ 315.80 … +13.50 1.52 UK Equity Inc 562.93 594.12 +16.53
Extra Inc Bond ‡@ 44.16 12.17 +0.05 UK Str Inc N/Trl ‡@ 323.57 … -2.78 7.05 M-Man Inc Grth A Inc ‡@ 149.90 … +3.00 … Fixed Int Acc ‡@ 139.40 … +2.50 1.76 …
… +1.02 … M-Man Inc Grth Fd A Acc ‡@ 188.70 … +3.90 2.26 Fixed Int Dist ‡@ 66.23 … +1.16 1.79 3.16
FTSE All-Shr Track ‡@ 412.10 … +0.79 5.70 Sterling Bond U Trst Acc ‡@ 218.40 … +2.40 2.23 Glob Gwth Acc @ 243.90 … +0.60 1.15
… +0.45 2.75 Sterling Bond U Trst Inc ‡@ 60.20 … +0.43 1.28 Glob Health Acc ‡@ 109.20 243.90 +2.20 0.71
Global Gwth SC1 ‡@ 305.90 … +33.30 3.18 Strategic Bond A Inc ‡@ 111.50 … +0.90 1.28 Glob Tech Acc ‡@ 89.92 … +5.75 0.10 This list contains unit trusts and Oeics widely held
… +4.50 3.37 UK Abs Ret Fd A Acc ‡@ 163.30 … +1.70 3.34 Gwth Tst Acc @ 106.00 … -2.10 0.17 by private investors. The weekly price change is
High Inc Trst @ 11.54 … +1.50 … High Inc Acc ‡@ 120.10 106.50 +2.70 5.73 based on a Friday-to-Thursday trading period.*
… +152.00 … Japan Ind Acc ‡@ 67.25 … +2.12 1.52 Yield expressed as CAR (Compound Annual
Max Inc Bond ‡@ 43.14 … +2.90 … INVESCO PERPETUAL Funds Pacific Ind Acc ‡@ 198.50 … +4.80 2.47 Return); † Ex dividend; ‡ Middle price; . . . No sig-
… +1.00 0.99 UK 100 Ind Acc @ 180.90 … +7.60 3.19 nificant data. # Periodic charge deducted from cap-
Multi Man Caut ‡@ 70.41 … +49.60 1.35 UK Active Opps Acc @ 249.90 180.90 +1.80 ital; @ Exit charge
… UK Index Acc ‡@ 328.00 252.90 +10.50 …
Multi Man Distr ‡@ 60.44 … Childrens Acc ‡@ 453.70 … +18.17 … … 3.07 SCOTTISH WIDOWS UNIT TRUST MGRS Data as shown is
… … +2.26 2.43 0845 300 2244 for information
North Amer ‡@ 839.40 Corp Bond Acc ‡@ 204.36 … +8.53 2.97 Authorised Inv Funds (OEICs) purposes only. No offer is made by
… +18.12 1.36 OEIC A Class Morningstar or this publication
Pacific Gwth ‡@ 501.70 High Income Inc ‡@ 315.76 … +38.58 3.28 Managed Investment Funds
… +0.04 0.07
Strategic Bd ‡@ 195.80 Income & Grth Inc ‡@ 414.67 … +1.55 4.62
… +0.90 3.15
UK Equity ‡@ 3382.00 Income Inc ‡@ 1235.03

UK Gwth & Inc Acc 1 ‡@ 658.50 Money Acc ‡@ 91.02

UK Gwth & Inc Dist ‡@ 234.70 Monthly Inc Plus Inc ‡@ 94.54 Bal Port A Acc ‡@ 237.60 … -0.10 0.01
Caut Port A Acc ‡@ 207.10 … +0.30 0.43
UK Smaller Cos ‡@ 1040.00 UK Aggressive Inc ‡@ 154.28

the times | Saturday July 23 2022 63

Best buys Money

Data supplied by

Savings Mortgages Personal loans

Easy access (without introductory bonus) First time buyer mortgages Fixed monthly repayment on £10,000 for 5 years

Provider Contact Account Min AER Provider Contact Initial Period Max Fee Redmptn (without insurance)
£5,000 1.60% Rate LTV charge
Al Rayan Bank A via website Everyday Saver (3) Cambridge BS 0345 601 3344 3.49%F for 2 years until Rep Amount per Total
£1 1.56% Barclays Mortgage 0333 202 7580 to 30.11.24 95% £199 repaid
Virgin Money 0800 121 7365 M Saver £1 1.56% West Brom BS 0800 298 0008 3.92%F to 30.11.25 1st 2 yrs Provider Contact APR month
£1,000 1.52% Cambridge BS 0345 601 3344 for 5 years
Virgin Money via website M Plus Saver £1 1.50% Bath BS 01225 475702 3.89%F for 5 years M&S Bank via website 2.8% £178.64 £10,718.40

3.69%F 95% - To 30.11.24 cahoot via website 2.9% £179.07 £10,744.20

Shawbrook Bank via website Easy Access - 29 3.65%F 95% - To 30.11.25 Santander via website 3.1% £179.94 £10,796.40

Chase via website The Chase Saver 95% £199 1st 5 yrs Bank of Ireland UKvia website 3.1% £179.94 £10,796.40

Long-term fixed rates 95% £999 1st 5 yrs Borrowing rates and availability of products are subject to individual credit ratings.

Provider Contact Account Min AER Remortgages
PCF Bank via website Term Deposit 35 (5 yr) £1,000 3.45% F
Hodge Bank via website Fixed Rate Bond (5 yr) £1,000 3.31% F Redmptn Credit cards
Monument Bank via website Fixed Deposit (5 yr) £25,000 3.30% F Max Fee charge
Aldermore via website Fixed Account (5 yr) £1,000 3.25% F Provider Contact Initial Period LTV until
Gatehouse Bank A via website Woodland Saver (5 yr) £1,000 3.25% F Rate
to 31.10.24 80% - To 31.10.24 Introductory rate for balance transfers
3.29% F to 31.10.24
Marsden BS 0800 801645 for 3 years 75% - To 31.10.24 Provider Contact Product name Bal trans Purch
HSBC 0800 169 6333 3.49% F to 1.11.27 Transfer fee APR
Nationwide BS 0800 302010
Cumberland BS 01228 403 141 3.29% F for term 75% £999 1st 3 yrs Sainsbury's Bank 08085 40 50 60 Balance Transfer CC MC 0% 1st 34 mths 2.88% 21.9%
first direct 0800 482448
Easy access cash Isas 3.22% F 75% £999 To 1.11.27 Halifax 0345 944 4555 Longest Bal Trf CC MC 0% 1st 34 mths 2.89% 21.9%

Provider Contact Account Min AER 3.19% V 75% £490 None MBNA Limited 0345 606 2062 Long 0% BT CC MC 0% 1st 34 mths 2.99% 21.9%
Newcastle BS via website Triple Access Isa (2) £1 1.50%
Cynergy Bank via website Online Isa (Issue 24) £1 1.40% Short-term fixed-rate mortgages Tesco Bank 0345 300 4278 Clubcard CC BT MC 0% 1st 33 mths 2.59% 21.9%
Shawbrook Bank via website Easy Access Isa - 20 1.40%
Paragon Bank via website Triple Access Isa (9) £1,000 1.35% Redmptn Santander 0800 912 3123 Everyday long-term MC 0% 1st 33 mths 2.65% 21.9%
Nationwide BS via website Triple Access 14 £1 1.35% Max Fee charge
£1 Provider Contact Initial Period LTV until Introductory rate for purchases
Account Rate 75% £1,495 To 31.8.24
Fixed Isa (3 yr) Post Office Money® 0800 077 8033 2.85% to 31.8.24 Provider Contact Product name Introductory Purch
Fixed Isa (18.8.27) Marsden BS 0800 801645 to 31.10.24 80% - To 31.10.24 Sainsbury's Bank Term APR
Fixed-cash Isas Fixed Isa (5 yr) HSBC 0800 169 6333 3.29% to 31.10.24 M&S Bank 0808 540 5060 Dual Offer CC MC 21.9%
Fixed Isa (5 yr) Nationwide BS 0800 302010 for 3 years 90% £999 To 31.10.24 Barclaycard 0% 1st 24 mths 21.9%
Provider Contact Isa Bond 11 (7 yr) Min AER Nationwide BS 0800 302010 3.44% for 3 years Tesco Bank 0800 997 996 Shopping Plus Offer MC 0% 1st 24 mths 22.9%
Aldermore via website £1,000 2.75% F 75% £999 1st 3 yrs HSBC 0% 1st 24 mths 20.9%
Secure Trust Bank via website £1,000 2.75% F 3.29% 0800 151 0900 Platinum All-rounder Visa 0% 1st 23 mths 22.9%
Castle Trust Bank via website £1,000 2.71% F 90% £999 1st 3 yrs 0% 1st 23 mths
Paragon Bank via website 3.39%
Shawbrook Bank via website £500 2.70% F
£1,000 2.70% F Long-term fixed-rate mortgages 0345 300 4278 Clubcard CC Purchases MC

Redmptn 0345 7404 404 Purchase Plus CC Visa
Charge
Provider Contact Initial Period Max Fee Until
Rate LTV
Post Office Money® 0800 077 8033 3.09% to 31.8.27 75% £1,495 To 31.8.27 Cashback credit card
Cumberland BS 01228 403 141 to 1.11.27
Lifetime cash Isas Cumberland BS 01228 403 141 3.22% to 1.11.27 60% £999 To 1.11.27 Provider Contact Product name Purchase Cashback
Halifax 0345 727 3747 to 30.11.32 APR
Halifax 0345 727 3747 3.39% to 30.11.32 90% £999 To 1.11.27
Provider Contact Account Min AER American Express 0800 917 8047 Platinum Cashback 31.0% 0.75% - 1.25% standard
Beehive Money via website Homebuyer Lifetime Isa £1 0.90% 3.33% 60% £995 To 31.8.32 Intro 5%/3mth (max £125)
Beehive Money via website Retirement Lifetime Isa £1 0.90% American Express 0800 917 8047 Plat Cashback Everyday 25.7% 0.50% - 1.00% standard
Moneybox via website Cash Lifetime Isa £1 0.85% B 3.43% 75% £995 To 31.8.32 Intro 5%/3mth (max £100)
Skipton BS via website Online Lifetime Isa 4 £1 0.85% 19.9% Standard 0.25% - 0.50%
Paragon Bank via website Cash Lifetime Isa (3) £1 0.70% Variable-rate mortgages Halifax 0345 944 4555 Cashback CC MC
on spend over £1 a year
Account Min AER Provider Contact Initial Period Max Fee Redmptn Lloyds Bank 0345 602 1997 Cashback CC MC 19.9% Standard 0.25% - 0.50%
Mntly Rate LTV Charge
Regular savings accounts first direct 0800 482448 3.19% term 75% £490 Until Barclaycard 0800 151 0900 Rewards Visa on spend over £1 a year
£0 3.30% V first direct 0800 482448 term None 23.9% Standard 0.25% on
Provider Contact £0 3.30% V first direct 0800 482448 3.34% term 75% -
£0 2.50% V first direct 0800 482448 term None spend over £1 a year
£0 2.50% V first direct 0800 482448 3.64% term 80% £490
NatWest via website Digital Regular Saver £25 2.50% F None Borrowing rates and products are subject tol credit ratings. Terms apply to all cashback
Royal Bank of Scotland via website Digital Regular Saver 3.79% 80% -
Nationwide BS via website Flex Regular Saver None Current accounts
Nationwide BS via website Start to Save 2 4.29% 90% £490 Credit interest
TSB via website Monthly Saver None

Buy-to-let mortgages

Provider Contact Initial Redmptn Provider Contact Account name Account AER
Rate Period Max Fee Charge Halifax 0345 720 3040 Reward Current Account Fee £5 pm C
Pension annuities Nationwide BS 0800 30 20 10 FlexDirect None
LTV Until TSB 0345 975 8758 Spend & Save None 5%B
Virgin Money 0800 678 3654 M Plus Account None £5 pm B
Principality BS 0330 333 4002 2.40% D to 30.11.24 60% - To 30.11.24 The Co-op Bank 0345 721 2212 Current Everyday Rewards None
None 2.02%
Single life Mansfield BS 01623 676345 2.93% D for 3 years 75% £1,499 1st 3 yrs £1 pm C

Provider Contact Age 60 Age 65 Age 70 HSBC 0800 028 3844 3.49% F to 31.10.24 60% - To 31.10.24
Canada Life 0345 300 3199 £2,587.68 £2,927.28 £3,362.88
Legal & General 0345 765 4465 £2,584.20 £2,857.92 £3,278.40 Virgin Money 0330 057 1701 3.16% F to 1.12.25 75% £1,995 To 1.12.25
Aviva 0800 015 5064 £2,376.85 £2,831.01 £3,245.33
Just 0345 302 2287 £2,381.16 £2,734.44 £3,124.92 Post Office Money® 0800 077 8033 3.05% F to 31.8.27 75% £1,495 To 31.8.27

The selections above are based on a combination of initial rate, fee and incentive available. Arranged overdrafts

National Savings & investments Account 0% OD

Provider Contact Account name Fee EAR Limit

Notice or Min AER Interest Starling Bank via website Current Account None 15.0% £0
Term Paid
Joint life £100 1.30% first direct 0345 600 2424 1st Account None 39.9% £250
£1 1.20% Yearly
Provider Contact Male: Age 60 Age 65 Age 70 Accounts and bonds 1.21% Yearly Virgin Money 0800 678 3654 M Plus Account None 19.9% £0
Female: Age 55 Age 60 Age 65 £500 Monthly
Canada Life 0345 300 3199 Green Bonds 2 3 Yr Bnd 2.20% Lloyds Bank 0800 015 4000 Club Lloyds £3pm 27.5% £50
Legal & General 0345 765 4465 £2,262.96 £2,469.36 £2,777.40 Direct Saver None 0.90% Yearly
Aviva 0800 015 5064 Yearly TSB 0345 975 8758 Spend & Save Plus £3pm 39.9% £100
Just 0345 302 2287 £2,087.88 £2,298.48 £2,529.60
Income Bonds None Current account interest rates paid up to a specified level, terms may apply to qualify for
£1,974.54 £2,261.54 £2,464.55 rates shown. A = Provider operates under Islamic finance principles, rate shown is expected
Tax-free products profit rate. B =Introductory rate. C = Paid net of income tax. F = Fixed rate. D = Discounted
£1,979.28 £2,172.12 £2,381.40 variable rate. V = Variable rate. All savings rates are shown as AER variable unless otherwise
stated. Methods of opening and operating accounts will vary. All rates and terms are subject
Junior Isa Age 18 £1 to change without notice. No liability accepted for any loss arising from the use of, or reliance
£1 upon, this information. Readers who are not financial professionals should seek expert advice.
Based on a pension pot of £50,000 Direct Isa None Visit moneyfacts.co.uk for full details

64 Saturday July 23 2022 | the times

Money Equity prices

12 month Price 12 month Price 12 month Price 12 month Price 12 month Price 12 month Price
High Low Company (p) +/- Yld% P/E High Low Company (p) +/- Yld% P/E High Low Company (p) +/- Yld% P/E High Low Company (p) +/- Yld% P/E High Low Company (p) +/- Yld% P/E High Low Company (p) +/- Yld% P/E

Automobiles & parts O W Drumzv K … … -4.7 8504 6370 Lond Stk Ex Gp 7852 – 42 0.9 80.2 313 196 Billington Hldgsv 196 – 6K 2.1 15.9 1436K 950K Segro 1080 + 28 2.0 3.1 630 449K Cohortv 529 … 2.1 47.0

184 120K EFG-Hermes Hldg 132O + 8N … 8.5 238 178N M&G 215N + 1Y 8.5 67.2 345 265 Boot (Henry) 284 – 1 1.9 15.1 54W 29K SIG 33O … … … 207 104K Crestchic Plcv 198 + 1 … …

2081 371N Aston Martin Lag 483K – 46 … -2.9 435 172 EPE Special Oppsv 172K … … 9.6 274 178O Man 274 – Y 3.0 10.9 556W 441X Br Land‡ 489 + 12Y 3.0 67.0 113 49 SigmaRocv 54V + V … … 2630 1075 Dewhurstv‡ 1075 … 1.2 12.3

Banking & finance 916Y 646K FBD 819 … … 3.6 9N 7N Manx Finv 8K … 2.0 4.3 157K 110 Caledonian Tstv 157K … … 31.4 144 86X Sirius Real Estate‡ 94Y + O 3.4 7.4 380 275 Dialight 275 – 4 … …

90 67K Fiskev 69 … … 12.2 4K 1W Marechale Capv 2 … … 1.0 179N 138W Cap & Count Prop 148Y + 1 0.3 43.7 161K 125K Smart (J) 160K … 2.0 4.3 1882K 1097V Electrolux 'B' 1173V + 26V 5.5 8.8

83K 61 Frenkel Toppingv 71K … 1.9 41.5 14955V 12079X Marsh McLn 13041K – 89X 1.5 27.1 70W 54 Cap & Regnl 58V … … -0.5 61 26 Steppe Cementv 35 + 1 10.8 8.0 1N K Feedbackv K … … -2.9

299 148Y abrdn 161K + W 9.0 3.5 182Y 112Y Taylor Wimpey 126V + N 6.5 8.3 1485 816 Gooch Hsegov‡ 936 + 9 0.4 69.3

3688 1729 Admiral 1735K – 10 8.7 8.8 725 458K Georgia Capital 630 + 12 … 1.7 892K 684 Mattioli Woodsv 690 … 3.0 … 2430 1850 Cardiff Prop 2400 … 0.7 26.1

1005 765 Gresham Housev 876 + 1 0.6 35.1 28K 13O Metal Tigerv 13O … … 5.3 40 21 Carecapitalv 24 – K … -2.8 177 120 Town Centre 177 + 3K 1.9 7.0 3935 2410 Goodwin 2550 … 4.0 14.0

88K 49 ADVFNv 52 … 2.8 9.0 1830 938W Travis Perkins 1050 + 17K 1.1 10.2

440V 246V AJ Bell 300W + W 2.3 28.1 415 260 H&T Groupv 415 + 13K 2.0 13.3 133 70O Metro Bank 82 + 4 … -0.5 183 118K Clarke T 162 + 4 2.7 11.6 3216 1876K Halma‡ 2282 + 35 0.7 33.0

249 178K Tritax Big Box REIT Plc197N + 4K 3.3 3.5 1902 1110 Hill & Smith 1330 + 12 2.2 31.2

27919W 19456 Aon Corpn 23448 + 139K 0.6 57.2 61K 38 Hansard Global 38 … 11.7 13.1 1939K 1487K Nat Aust Bk 1727W + 12X 2.7 17.1 262 185V CLS Hldgs 206 + 3 3.6 7.0

124 84W Tritax Eurobox 95K + 1K … … 125 63 Holders Techv 93K – 3 0.8 5.6

30O 21K Appreciate Groupv 29 + 1N 3.4 12.6 1645K 762K Hargreaves L 856O + 1K 4.4 15.2 253K 192O NWG 225 – 2 4.6 8.8 571K 225O Countryside Prop 270O + 5 … 19.7

1055 820 Arbuthnot Bkgv 840 + 10 1.9 18.5 450 233 Tyman 270K + 5K 2.9 10.6 3W 1N Image Scanv 1N … … 7.9

195 142K Helios Underv 158K … 1.8 … 383 230 Numisv 263 – 2 4.5 5.3 56 18W Craven Housev 18X … … -0.4 1237 990V UNITE GRP 1207 + 35 1.5 14.0

21 14 Argo Groupv 14 … … 6.4 567V 359O HSBC 515V – 8V 3.1 11.2 599 418O Onesavings Bank 507 – 1 3.8 6.7 4002 2756K CRH 2984 + K 2.8 12.4 1838 1150 IMI 1285 – 7 1.7 17.5

399V 192 Ashmore Gp 207O + 1 8.1 7.0 1261K 760K Vistry Group 927K – 5 4.3 8.1

945 648 IG Group 775 – 8 5.5 7.9 741 522 PayPoint 593 – 6 5.4 18.5 3802 2570 Derwent London 2924 + 108 2.5 13.0 … … Inspirit Energyv … … … …

1691 1211O Aus New Z 1305Y + 38V 6.2 10.2 971 537 Workspace Grp‡ 590 + 24 3.0 -8.7

1482 550 Impaxv‡ 644 + 36 1.6 21.2 14 3 PCF Groupv 3 … … -1.4 4N 3 Dolphin Capitalv 3V … … -2.1 8640 6090 Judges Scientificv 7600 + 310 0.7 38.3

602Y 382N Aviva 391X – 2K 5.4 51.5 755 650 Wynnstay Propsv‡ 725 … 2.9 5.2

2379 1284K Intermed Cap‡ 1425K – 46K 3.9 8.1 701W 568V Phoenix Gp 606 + 6 7.9 -7.0 36K 28V First Propv 28V … 1.6 … 81 57K LPAv 75 … … …

290Y 193W Banco Santander 206Y – 4O 3.1 4.9

155W 73O IPF 80V + 2O 2.7 4.5 381K 187W Provident 218 + 2V … 4.0 52K 36K Fletcher Kingv 44 … … … Consumer goods 839V 428N Meggitt 789K – V … …

1670 986 Bank of Georgia 1438 + 4 … 4.4

217 140K Barclays 157O – 1 1.9 3.8 174W 155X Intl Public Pntshp 162K – 1 4.5 20.9 1553K 881 Prudential 1002K + K 1.1 16.2 57K 31 Foxtons Group 38Y … 0.4 … 193K 107K Melrose 163O – X 0.9 …

K … Blue Star Capitalv V … … 4.6 536O 270K Investec‡ 427W – 5V 3.0 10.7 3O Y Quantum Blockchain techv1O … … -9.8 206V 157K Galliford Try 174K + 1V 2.6 38.8 6O 4 Agriterrav 4O – 1 … -0.5 412K 262K Morgan Advanced 294 + 5 2.2 12.4

359 277 BP Marsh&Ptnrsv‡ 311 – 1 0.7 8.5 801 373 Genuit Group 415 + 2 2.1 25.1 34K 25 Aireav 27K … … 10.1 647 230 Mpacv 271 + 21 … 7.1

320 281 Investment Co 283 … 0.3 10.1 197 96N Quilter PLC 102O – 1V 5.1 73.4

42 11N Braveheart Invv 11K – N … 0.3 850 508 Gleeson (MJ) 520 … 2.8 8.1 926 564 Anglo-Eastern 900 – 4 … 8.2 300 208 MS Intlv‡ 287 … 1.2 41.0

155V 66X IP Group 80W + 1N 1.2 3.0 188W 81V Randall & Quilterv 96 – Y 4.0 …

517 266 Brewin Dolphin 510 – 3 2.8 27.8 1412 715 Grafton Gp Uts 810 – 2 4.3 9.3 420 265 Animalcarev 300 – 2K 1.3 … 2680 1760 Oxford Inst‡ 2220 + 10 0.7 30.3

569 208 Bridgepoint 237K + 2K … 14.8 365 162K Jarvis Securitiesv 165 … 8.1 11.8 2210 1518 Rathbone Grp 1914 – 20 3.8 14.8

335 269O Grainger 297V + 6K 1.8 18.4 2131 1526K AB Foods 1699 + 8 0.3 28.0 3565N 1667N Philips El nv 1847W + 6N 3.8 32.8

90 53 Cenkos Secsv 56K … 6.1 11.5 289K 135V Jupiter Fund Mgmt 142X + 2 11.9 5.3 1W Y RiverFort Global Oppsv Y … 2.1 2.7

741 564 Gr Portland 614K + 14 2.0 -7.7 135V 83 Bakkavor Group 83O + O 7.9 8.7 36K 5Y PipeHawkv 15 … … 31.9

317 256K Chesnara 283K – 1K 7.8 15.7 106 63N Just Group 68Y + 1K … … 1820 1370 Rockwood Strategicv 1380 … 1.9 2.0

588 466 Barr (AG) 553 + 1 … 19.6 101K 63K Pressure Techv 70K … … -5.8

76 31 City of Lon Gpv 50 … … -3.4 675K 346K Lancashire Hdgs 420O + 19V 2.7 … 2950 2022K S & U 2120 + 100 4.2 10.0 39Y 18Y Hammerson 21W + N 1.8 -2.3

5X 1X Bidstack Groupv 2Y … … -2.4 5565 3568 Renishaw 4230 – 26 1.5 24.1

550 400 City Lon Inv Gp 406 + 11 8.1 9.5 307O 233V Legal & Gen 256X – 2K 6.9 7.8 3V 1X Sancus Lending Grpv 1X … … -0.7 191 138 Harworth Gp 160 + 2K 1.1 5.5

175 46K Brand Architektsv 46K … … -2.0 34 19K Renoldv 25W – V … 9.0

1602 987 Close Bros 1080 + 7 5.5 8.0 52766X 502X Liberty Group 502X – 2X … … 60O 47X Schroder REIT 51X + W 4.9 5.5 630 375 Heath (Samuel)v 630 + 40 1.0 13.0

3628 2512K Brit Amer Tob 3420K – 29K 6.3 11.5 147W 78N Rolls-Royce 92K + N … 62.9

455K 219K CMC Markets‡ 312 + 4K 9.8 9.5 2485 854 Liontrust‡ 958 + 20 4.9 11.9 3871 2578 Schroders 2766 – 20 4.1 12.7 497 352 Helical PLC‡ 386K – 7 2.6 9.3

785K 429W Commerzbk 538N – 26K … 27.5 1006 741 Britvic 851K + 14 2.8 19.3 3O 1W Ross Gp# 1K … … -3.8

62 43W Livermore Invsv 52N … 6.7 3.3 2650 1732 Schroders N/V 2340 – 25 4.9 10.7 1065 852K Highcroft Invs 1055 + 5 4.9 4.5 2182 1482 Burberry Grp‡ 1725K + 6 2.4 14.8

1233K 654K Deutsche Bk 701Y – 16O … 8.2 373W 232O Rotork 256V + K 3.3 27.8

55V 41 Lloyds Bkg Gp 43V … 5.9 6.0 1731K 1054 St James Place 1185 … 5.1 22.5 239V 154 Ibstock 181V … 2.2 23.5 264O 178N C&C Grp 195O + Y … …

316W 193X Direct Line Ins 201K + X 11.0 8.3 217 137K SDI Groupv 156 … … 25.7

59K 57 Downing ONE VCT 58K … 4.2 7.9 37K 29N LMS Capital 30O … 2.9 13.3 638K 410 Stand Chart 572O – 14W 1.5 12.8 314 196 James Halsteadv 212 + 1 3.6 22.5 12K 4O Capital Metalsv 4O … … -1.2 181 113V Senior 132 – 1V … 23.0

167K 126 Carr's Grp 126K + K 3.9 15.6 82K 58 Severfield 58W + 1W 4.9 10.4

Investment companies 700 465 Character Grpv‡ 487K – 2K 1.8 8.6 16N 11K Six Hundredv 13K … … 78.9

2025 1300 Churchill Chinav 1390 … …… 1900K 1186O SKF B 1381O + 33W 4.1 10.2

12 month Price Yld Dis(-) 12 month Price Yld Dis(-) 2784 1460K Coca Cola HBC‡ 1945K + 7K 2.7 15.5 235 175 Slingsby (HC)v 215 + 15 … 3.5
High Low Company (p) +/- % or Pm High Low Company (p) +/- % or Pm

840 520 Colefaxv 840 … … 14.8 1629 1355K Smiths 1495 – 21 2.5 23.7

1477 1042 3I Group 1237 – 10 3.5 -3.6 378 298 Invesco Asia Tr 343 – 3 4.0 -9.7 4148 2918 Cranswick‡ 3288 + 50 2.1 17.3

368K 300 3i Infrastructure 333 + K 3.5 11.5 198 152 Invesco BondInc 154 – 4K 6.7 -4.1 1400V 877 Solid Statev 1130 + 5 1.4 27.2

176 149 IPST Bal 154K … … -3.2 228K 177V Devro‡ 196 + 11V 4.6 10.6

104K 95 Abrdn Div I&G 97O + 1W 4.6 -18.8 598 360 Somero Enterv 439 + 4 3.6 9.7

1622O 1134 Aberforth Smlr 1242 + 12 2.6 -12.7 250 210 IPST Gbl Eq 223 … 3.0 -9.2 4103K 3343 Diageo 3720 + 13 1.9 28.6

1084Y 867O Alliance 958 – 2 2.2 -6.3 104N 93 IPST Managed 96K – K 0.9 -8.8 4083 2458 Spectris 2995 + 2 2.3 9.8

199Y 157 IPST UK Eq 167 + 2 3.7 -11.4 2 1 Distilv 1 … … 27.5

536 402K Asia Dragon Tr 440 + 2 1.3 -12.3 17135 9130 Spirax-Sarco 11335 + 5 1.0 35.7

258 200 Athelney Trust 210 … 4.1 -11.3 664 426 IP UKSmallerCos 462 + 5 1.6 -17.0 1085 672 Evans (M.P.)v 824 + 10 3.3 7.0

1118 169 AVI Global Trust 187K + 2V 1.6 -10.8 788 650 JPM American 741 + 4 1.0 -2.8 102 66K Finsbury Foodv 71 + 1 3.3 8.4 68K 37 Surface Trsfmsv 46 … … …

469K 250K Baillie Gifford Ch Gr 324 + 9 2.0 -4.0 494 339V JPM Asia 367K – 1K 4.5 -9.8 2O 1K Tanfieldv 2 + V … -5.5

171 77 Baillie Gifford Eu Gr 88N – K 0.3 -14.9 644 295K JPM Chinese 407 – 4 5.2 -0.2 12220 6005 Games Workshop 7680 + 100 3.3 21.1

1109K 657 Baillie Gifford Jpn Tr 764 – 2 0.8 -5.5 952 610N JPM Claverhs 672 + 6 4.6 -1.5 1300O 828 Glanbia 953N + 18X 2.4 23.5 520 371 Thorpe FWv 377K – 12K 1.5 26.2

269V 131N Baillie Gifford SN 153O + 1V … -7.1 105 99 JPM Elect Mg C 101O … 0.2 -1.0 6V 1N TP Groupv 1K … … -2.3

257 143K Baillie Gifford UK Gr 168O + 4W 1.4 -13.2 1115N 896N JPM Elect Mg G 962K + 7K 1.8 -3.5 146K 92K Greencore 105V + 1O … 21.0

150K 95 Bankers 104O – W 2.0 -5.7 111 92 JPM Elect Mg I 97O + 2 4.8 -3.6 536 283K Headlam 310 + 22 2.5 13.3 122K 58 Transense Techv 59K + 1 … 43.7

4755 3303Y BH Macro 4705 + 15 … 16.3 140N 98W JPM Em Mkts 109W … 1.1 -8.9 3494 2470 Ultra Electrncs 3490 … 1.6 37.3

1314 722N Biotech Growth 889 – 5 … -8.4 588 365K JPM Euro disc 394K + K 1.5 -17.4 1250 971 Hilton Food 1072 + 16 2.0 22.3

151 85 BlckRck Com Inc 105 + 1K 3.6 -10.6 155 118K JPM GEMI 124 … 3.5 -12.8 57 25K Hornbyv 26 … … … 567 284K Vesuvius 323 – K 6.3 8.6

140 112O BlckRck Fro Inv 122K + 1K 4.0 -11.7 475 386 JPM GG&I 437 + 1 4.3 0.9 1615 1060 Videndum 1274 + 14 1.2 23.3

732 410 BlckRck Grt Euro 456 + 3K 1.3 -8.4 865 691N JPM Indian 788 + 4 … -20.9 1900K 1486 Imperial Brands 1855 – 17K 7.4 6.2

200 164 BlckRck Inc & Gwth 185K … 3.7 -6.4 568W 301 JPM Jap Sml Co 324 + 3 5.9 -9.0 1Y 1 J Lewis Hfordv 1W … … 8.1 493K 225 Volexv‡ 308 … 1.0 16.8

457 310 BlckRck Latin Am 345 + 10 5.8 -9.2 732 408K JPM Japan# 474K + 1K 1.1 -6.0

213 178 BlckRck Sustain Amer 196 … 3.9 -8.2 1580 827 JPM Mid Cap 945 + 16 3.0 -13.3 11037N 7589X Kerry Gp 8407X + 282 0.8 23.2 1916K 1328K Weir 1496 + 16 0.7 25.2

2230N 1244 BlckRck Smlr 1416 + 16 2.3 -13.7 110N 91 JPM Multi-asset G&I 96 … 5.2 -2.8 89 15K McBride 16N … … -2.9 5630 2730 XP Power 2990 – 35 3.0 15.9

1046 523 BlckRck Throgmorton 630 + 15 1.8 -2.8 894 55V JPM Russian 67 – 1 111.7 49.6

804Y 492 BlckRck Wld Min 572 + 9 7.6 1.6 478W 251 JPM Smllr Co 273 + 5 1.9 -16.6 370 200 Mulberry Groupv 275 … … 11.3 195 125 Zytronicv 135 … … 45.0

30 10 Blue Plan Int Fn# 12K … 4.3 -11.8 375 174 Keystone IT 207 + 6K 3.0 -16.0 1540 1105 Nicholsv 1260 – 7K 1.4 …

341 269K BMO Cap&Inc 303 + 3 3.9 -5.0 829 700 Law Debenture 771 + 3 3.0 1.5 Health

124V 90X BMO Comm Prop 116 + 2K 3.1 -21.1 145 110 Lowland 118K + 1 6.0 -9.2 341 217 Norcros‡ 225 + 5 3.6 7.1

175V 133 BMO Glbl Smaller 144 + W 1.9 -13.1 252 167X Majedie 178 + K 4.9 -24.8 373V 279O Origin Entsv 371X … 2.4 11.7

520 375K BMO Priv Eq Ord 394 + 5 3.1 -38.5 437 276 M Currie Port 322 + 2 1.4 -1.8

101 71V BMO Real Estate 79O + 1O 3.1 -39.1 130 100 Marwyn Val In 107K … 5.3 -37.1 72 50 Pittardsv‡ 50 … 1.0 23.5 1750 1049 Abcamv 1197 + 11 … …

101 77 BMO UK HIT 79O + N 6.1 -13.6 294K 173O Mercantile IT 198 + 3O 3.2 -15.5 710 370 Portmeirionv 392K … 3.3 16.7 341 256K AdvancedMedicalv 278 – 2K 0.6 43.7

108 79 BMO UK HIT B 87 … … -5.5 591 485 Merchants 561 + 5 5.1 0.8 17K 10K Starvestv 10K … … -1.7 1028 695 Keller 745 … 4.8 8.6

408 310N BMO UK HIT UNIT 334 … 4.5 -9.3 870 678O Mid Wynd 731 + 1 0.9 1.2 36 22K STM Groupv‡ 23 … 6.0 8.8 1 X Provexisv O … … 0.3 38K 17K Allergy Therapv 19N + 1 … …

1482 875 Monks Inv Tst 1025 + 3 0.2 -7.9 9126X 4467O Kingspan Group 5150N + 78V 0.6 20.2 257K 182O PZ Cussons 206 + 2 2.9 23.7

1535 1072K Brown Advsr US Smlr1170 – 5 … -16.6 226Y 116V Montanaro Eur Sml 138 + 3 0.6 -10.8 4792N 3654O Sun Life Can 3693W – 12N 3.6 9.4 156 72K Anglev 76W – 1N … …

1135 929V Brunner 1020 + 15 1.9 -12.2 959K 738 Murray Income Trust 850 + 14 4.0 -7.3 813V 643K Land Sec 732K + 18K 4.6 … 200K 55K REA 122 + 2K … -9.6 715 465 Anpariov‡ 555 … 1.4 29.2

4085 3150 Caledonia Inv 3750 + 5 5.6 -23.3 9N 3X Tavistock Invv‡ 9N – N 0.5 1.5

198 152 Invesco BondInc 154 – 4K 6.7 -4.1 1326 1038 Murray Int 1248 + 2 4.4 -0.5 1656 901 TBC Bank Group 1248 + 34 2.8 3.6 105 92V LIFE SCIENCE REITv 92V … … … 3W 1K Real Gd Fdv 2W … … 0.2 11232 8063 AstraZeneca 10766 – 28 1.9 …

427 363N City of Lon IT 408K + 1 5.0 2.2 98X 72X Nb Global Floating 76 – 1 5.9 -7.5

376 286N Pacific Assets 330 … 0.5 -12.6 23N 9O Ternv 12 … … 9.0 25 12 Lon & Assoc 19K + 1 … -2.6 660 235 Tandemv 270 … 3.3 3.8 46 29 Circassia Groupv 34K … … 34.5

123K 100 Crystal Amber Fd 109 … 8.2 -24.8 342K 239 Pantheon Int 248 + 1 … -45.3

550 386W Dunedin Entp 495K … 5.1 -17.7 3125 2295 Pershing Sq 2620 – 45 1.0 -32.0 27 18V Time Financev 19K … … 11.8 285V 225K London Metric Prop 250O + 6O 3.4 5.3 1315 726 Treatt‡ 810 + 10 0.7 32.5 134 38 Creighton 39K + 1K 2.9 7.6

653K 547 Edinburgh IT 612 … 3.9 -6.3 51166 47050 Personal Assets 48650 + 300 1.4 0.6 1415 975 Volverev 975 … … … 66 37 Macau Prop Op 39 + 1W … -5.0 5N 2 Ukrproduct Gpv# 2 … … -1.3

341 159O Edin Wwide 194W + 2 … -12.6 5405 3110 Dechra Pharma 3706 + 88 1.0 55.3

313N 268 EP Global Opp 280 … 1.4 -18.6 2760Y 1764 Polar Cap Tech 2100 … … -10.0 58 37 WH Irelandv 38 … … 21.3 841N 436V Marshalls 487 – W 1.8 17.7 624 13 Unbound Group plcv 13 – 9 … …

203 157 Prem Glb & Inf 171K – K 3.5 -15.8 1O 1 Deltex Medicalv 1 … … -6.1

152 87 European Assets 91W + V 8.5 -8.8 140K 122Y Renewables Inf 135O + V 5.7 13.3 34 28K Walker Crips Grp 28K … 2.6 81.4 148K 85K Michelmershv 85K – K 4.2 13.6 4884 4010 Unilever (NV) 4592K + 32K 3.1 23.5

891 641 European Opp Tr 716 – 2 0.2 -15.9 3635N 2205O RIT Cap Ptnr 2530 … … … 4942X 3132W Wells Fargo 3581V – 13 1.5 9.8 48W 15W e-Therapeuticsv 21O + 3X … …

945K 767V F&C Investment Tr 863 + 5 1.8 -9.0 750 329Y Riverstone 622 + 8 … -46.1 2685 1776 Morgan Sindall 1980 – 2 3.5 9.6 4163K 3328 Unilever 3911K + 22K 3.7 20.0 350 106 Eco Animal Hlthv 126 + 14K 0.7 15.2

510 406V Fidlty Asian Val 454 – 12 1.7 -9.2 528 391K Schroder TotRt 416 + K 2.0 -4.2 1514 1107X Westpac 1218 + 13N 3.9 16.5 1210 404 Victoriav 435 – 46 … …

394K 211K Fidelity China Sp 254 – 6K 1.8 -5.4 616 485K Schrd Asia Pac 531 – 2 1.7 -8.6 31X 26K Worsley Investors Ltd 26K – 1K … 82.8 14750 12950 Mountview‡ 13200 + 200 3.2 16.4 85 30 EKF Diagnosticsv 37 + N 2.7 10.4

923 596 Fdlty Emer Mkts 620N + N 1.9 -12.0 323 271O Schrod Inc Gwth 287 + 1 4.3 -4.2 39794N 31576K Zurich Fincl 35332W + 155K 4.6 13.8 100 71O NewRiver REIT 93K + X 3.2 -3.2 42K 24X Futura Medicalv 28N … … …

384N 256K Fidlty Euro Val 291K … 2.2 -9.5 231 185Y Schrod Jap Gwth 201 + 2K 2.0 -13.3 Engineering

268W 143 Fidlty Jap Tru 159 + 1K … -10.4 809 489 Schrod UKMid 584 + 18 2.4 -15.3 297 230 Palace Capital‡ 287 – 4 3.8 13.7 6070 2234 Genus 2654 – 6 1.2 47.2

312 247 Fidlty Spec Val 272 + 4 2.5 -5.8 37 19V Schroder UK PP Tr 20W … … -43.3 Construction & 1828K 1394N GSK plc 1743V – 3K 4.5 20.1
property
928 731O Fins Gwth & Inc 836 + 3 2.1 -4.2 546 437O Scot American 494K – 2K 2.7 -0.6 315 245 Panther Securitiesv 285 … 4.2 2.5 … … Ass Br Eng# 15 … … -3.5
2950 916 Avon Rubber 1054 + 9 2.7 …
140N 99O GCP Infrastructure 114K … 6.2 -0.1 933 725 Scot IT 842 + 9 3.6 -6.4 2940 1732 Persimmon 1857K + 13K 12.6 7.5 380V 255Y Babcock 332 + 1O … -2.0 1N K Gunsyndv K … … 5.1
838W 528O BAE Sys 780 – 3V 3.1 14.2
55 33 Gldn Prosp Prc Mtl 35 … … -13.8 1568K 670K Scot Mtge 831W – 19W 0.4 -7.9 2400 1600 Braime A N/Vv 1900 … 0.6 21.4 2690 1482 Hikma Pharms 1711 – 14 2.2 12.8
2600 1480 Braime Groupv 1550 + 50 0.7 17.4
160K 128O Greencoat UK Wind 153X … 5.5 2.6 240 205 Secs Tst Scot 224 – 1 2.6 -1.1 8K 4V Pires Investmentsv 4V … … -8.9 602K 450 Caffyns‡ 550 … … 7.9

228K 180 Hansa Investment 186 … 1.1 -38.2 114K 82Y Sequoia Eco 86K + O 6.4 -12.9 262K 138 Alumascv 141 + 2 6.7 7.1 6K 3O Cap XX Ldv 4X … … … 624 144 Hutchmed Chinav 213 – 7 … …
410 288 Castings‡ 313 – 3 4.8 15.1
232N 177 Hansa Inv Co 'A' 185K + K 1.1 -38.1 1279N 202 Temple Bar 220 + 1K 3.6 -5.3 25Y 14Y Aseana Props 14Y … … -7.4 175 65 Plaza Cent 65 … … -0.2
9X 4N Chamberlinv 4X … … -0.3
2870 1986 Hbrvest Glbl Pt Eq 2260 – 10 … -42.6 202O 137V Tplton Emg Mkt 151 – K 2.3 -10.1 169K 131 Primary Hlth‡ 143K + 3N 4.3 14.6 66 32 Checkitv 32 … … -3.9 … … Immunodiag Sysv 378 … 0.5 …

168O 120O Hend Euro Foc 133 + K 2.3 -15.0 W V Tiger Royal and Invv N … … 116.6 79O 59K Assura Grp 69N + 1N 4.1 13.8 9W 5 ImmuPharmav 5O … … -1.8

185 149K Hend High Inc 166K … 6.2 -0.8 526 351Y TR Property 401K + 8 3.9 -0.5 2N 1W Aukett Swankev 1X – V … -2.4 42O 34K Real Estate Invsv‡ 36K + 1 10.2 4.7

1378 776 Hend Smlr 881 + 21 2.5 -15.4 83 67K Troy Inc&Gth 72O + W 2.0 -2.4 336O 148 Indivior 310V + 4W … 17.7

319 215K Balfour Beatty 267V + 5V 1.6 12.6 718O 470W Redrow 577K – K 4.2 7.1

2670 1545O Herald 1702 + 20 … -22.3 286O 165 Utilico Ord 180K … 3.1 -29.7 146K 76 Inspiration Healthv‡ 79K + 2K 0.7 12.2

457K 310 HgCapital Trust 359K – K 1.6 -18.0 227K 196 Utilico Emerging Mkt 204 … 3.4 -13.8 760 448K Barratt Devs 499O – W 5.8 7.8 1418 1015 Safestore‡ 1143 + 32 1.7 6.4

184Y 158N HICL Infra 173K – 2 5.1 7.3 145 137 UtilFin RdZDP 2022 144 … … -0.3 3526 2070 Bellway 2404 – 14 4.8 7.2 84K 30K IXICOv 32K + 1K … 10.4

286 224 Highbridge Tactical 236 … … -13.6 783 617 Vietnam Ent Inv 662 – 3 … -16.6 1450 975K Savills 1137 … 2.0 11.3 479O 275O Mediclinic Int 479O + 1 … 29.9

1300 954 ICG Ent Tr 1138 – 2 1.5 -35.1 257K 200 Witan 222 + K 2.5 -7.1 5352W 3670 Berkeley 4173 + 32 0.2 10.8

1724 1200 Big Yellow Group‡ 1425 + 49 2.3 9.3 7K 6N Secure Propertyv 6N … … 16.5 10 2 N4 Pharmav 2 … … -2.4

584K 370Y Impax Env Mkts 449 + 3 0.6 0.8 3871W 2820 Ww Health 3350 + 30 0.7 -7.2

the times | Saturday July 23 2022 65

Equity prices Money

12 month Price 12 month Price 12 month Price 12 month Price 12 month Price 12 month Price
High Low Company (p) +/- Yld% P/E High Low Company (p) +/- Yld% P/E High Low Company (p) +/- Yld% P/E High Low Company (p) +/- Yld% P/E High Low Company (p) +/- Yld% P/E High Low Company (p) +/- Yld% P/E

7580O 6339W Novartis 7169N – 1X 3.4 9.1 1W V Catenaev# N … … -0.5 2 Y ECR Mineralsv Y … … -5.7 2Y 1N Sound Energyv 1W … … 9.0 862 448 Robert Walters 528 + 14 3.1 12.0 107 42 Intercedev 46K … … 16.0

58Y 3 Omega Diagsv 3W … … -1.3 1146 269 Daily Mail‡ 270 – 2K 8.9 10.3 32K 10N Edenville Energyv 12K … … -0.8 N … Sunrise Resourcesv … … …… 20 10 Roebuck Food Grpv 11K – 3K … 1.7 265K 140 Iomartv 182W + 6O 3.8 20.0

22K 9N Ovoca Biov 9K … … -2.6 195 100 DCD Mediav# 100 – 30 … 5.0 11O 1 Empyrean Energyv 1N … … -9.5 N V Tertiary Mineralsv V … … -3.5 130 92 RPS Group 116K – 3K 0.2 54.4 53N 28V IQEv 39X + 1V … …

1634 415 Oxford Biomedica 465 – 5K … 20.9 71K 50 Ebiquityv 52K … … … 2100 1510 ENDEAVOUR MINING1619 + 21 2.9 24.1 1 W Thor Miningv W … … -2.9 1255 868 RS Group 1047 – 8 2.4 26.5 211 142K K3 Business Tchv 142K … … -2.4

7 2X Physiomicsv 2X … … … 1466 829 Euromoney In Inv 1466 + 2 0.7 … 5068N 3099 Total Eng SE 4088Y – 27V 5.5 9.3 65 21K RTC Groupv 21K … … … 2795V 1405Y LG Electronics 1486K – 8N … 3.9

36K 17 EnQuest 25W + K … 1.6 X V Location Sciencesv V … … -2.9

6V 3N Proteome Sciesv 3X … … … 3910 1551 Future 1948 – 23 … 33.5 K V Tower Resourcesv N … … -5.5 678K 331O RWS Hldgsv‡ 377K + 3K 2.4 34.6

6458 5391 Reckitt Benck 6268 – 2 2.7 … 36K 4W Eurasia Miningv 6– N … … 466 256N Micro Focus Intl‡ 286K – W 6.2 -3.0

1655 930 GlobalDatav 930 … 1.9 46.0 3K 1 Europa Oil&Gasv 2N … … 20.4 62V 39X Tullow Oil 44Y + X … 4.5 490 350 Science Groupv 394 – 1 1.0 18.1

164K 33K RUA Life Sciencesv 37K … … -3.6 183O 121V Serco Gp 182W – 2X 1.2 7.4 88 46 MTI Wirelessv 55K … 3.3 18.4

134 46O Hyve Group 67 + V … … 495V 107 Ferrexpo 132K + 5Y 10.8 1.0 V … UK Oil & Gasv … … … -3.5 46 17 Nanoco Gp 39 + V … …

457K 117K Sareum Hldgsv 207K + 5 … … 43V 31K Smiths News 33W … 1.5 3.2

565 46K IG Design Grpv 96 + 2 9.0 14.0 986O 622W Fresnillo 670 + 15 3.6 15.8 535 135 URU Metalsv 230 … … 7.4 92 52 Netcallv 87K … 0.4 …

1563K 1120K Smith & Neph 1190K – 11 2.2 27.0 4305 2623 Smurfit Kappa 2739 – 117 3.5 12.4

254K 206 Spire Hcare 239 – K … … 624 464W Informa 588O + 7O … … … … G3 Exploration# 28 … … -2.6 7O N Vast Resv O … … -0.1 69K 51 Northamberv 51K … 1.9 …

125O 62Y ITV 70V – O … 7.5 5K 2O Victoria Oil&Gasv# 3O … … -1.8 92O 41W Staffline Gpv 44Y – 1 … 34.5 62 15 Online Blockchainv 17K … … -9.2

212K 18W Synairgenv 27W – 1V … -1.2 42 21 Galantas Goldv 27K + K … -4.7 602 317K SThree 388 – 4 2.0 12.5

X N Tissue Regenixv K … … -6.3 12K 8N Jaywingv 8K … … … 8V 2V W Resourcesv# 2X … … -0.3 126K 76K Oxford Metricsv 99K + K 1.8 43.2

8V 3N GCM Resourcesv 3N … … -2.7 137K 90 Synecticsv 107K … … … 10 6N Parityv 8N … … …

47K 30O Totallyv 42K – K 1.1 67.4 12N 3 Live Company Gpv 4 … … -0.8 15N 3V Westmount Engyv 3V … … -0.6

72Y 40K Gem Diamonds 42N + W 4.3 4.4 256K 138 Wood Grp (J) 152N + 2 … -6.2 34K 17N Thruvision Groupv 25K … … -9.3 40 26 Pennant Intlv 32 + K … …

640 292 Tristelv 355 – 5 1.8 73.2 … … Mediazestv … … … -7.0 37 18K Getechv 23K … … -5.6

55N 10K ValiRxv 11N + K … … 8 3X Woodboisv 4K – V … 17.2 110 84 Tribalv‡ 87O – O 1.3 27.4 770 370 Playtech 475K + 4K … 5.0

62 39K Merit Grpv 39K – 1 … …

541K 307 Glencore 422V + 2W 2.1 15.4 7 3V Xtract Resourcesv 3Y … … -6.9 117K 69 Vianetv 69 … … … 384 243 QinetiQ 383O + 2 2.9 29.9

75 52K Miradav 52K … … -2.3 252 92W RM 98 + 4V 4.8 19.6

Industrials Y N Global Petrolv N … … -4.3 7O 4 Zephyr Energyv 5N + K … -6.7 1060 820 Vp‡ 884 – 16 2.8 21.7

86 46 Mission Groupv‡ 56K … 4.1 9.5 5Y 1N Westminsterv 1N … … -1.5 853O 595K Sage Gp 700W – 3K 2.4 26.8

124738K 768X Gold Fields 768X + 34 3.3 11.8

265K 167 Moneysupermarket 220W + 3K 5.3 22.4 Professional & 12 6 Seeing Machinesv 6W + V … …
support services
181 98 Accsys Techv 99 – 3 … … 9O 6X Goldplatv 7O … … 5.9

2079X 1263X News Corp A 1403W + 5O 1.0 22.9 Retailing 174 74 Shearwater Grpv 138K – K … 85.8

5899 3354N BASF 3665V – 45 7.5 7.2 14N 5W Goldstone Resv 5W + V … …

2046V 1287V News Corp B 1421O – O 1.0 23.2 167K 46K Smartspace S'warev 48K … … -5.0

5777 3774O Bayer DM50 4824Y – 51O 3.4 56.3 21X 9N Greatld Gldv 11K + O … …

1458 874 Next 15 Commsv‡ 1056 + 32 0.6 … 244 39O AO World 49N – 4 … … 2240 1253 Softcat 1373 – 14 1.5 26.9

445 165 Biome Techv 165 … … -5.5 120K 80 Griffin Miningv 86N – 1K … 9.5 3170 2240 4imprint Grp 3115 + 155 0.3 52.5

869W 571O Pearson 791V + 4 2.5 37.8 644 355O B&M European‡ 418Y + V 4.1 9.7 300V 215W Spirent Comms 270V + 2 1.6 25.1

6 2N Byotrolv 2K … … … 310 143 Gulf Keystone‡ 214K + 4 3.9 13.4 550 457 Andrews Sykesv 490 … 4.7 15.6

98V 56N Photo-Me 98V – V … 17.1 56K 21O Brown (N)v 25 + X … 7.3 48K 27K SRT Marinev 28 + K … -8.2

7N 5K Camb Gbl Timberv 6O … … -9.0 530 298K Harbour Energy 331O + 1W … 38.7 6450 3359 Ashtead 4189 + 46 1.0 20.3 955O 593V Tele. Ericsson 616K – 2W 2.9 11.2

81W 58V Coats Grp 72 + 2N 1.9 16.0 4V 3V Primorus Invv 3V … … 5.7 66X 41X Card Factory 52 + K … …

29K 12 Harland & Wolff Group Holdingsv12 + N … 0.9 52 8N Asimilar Groupv 8N – K … 0.4 2770 1549 CVS Groupv 1710 + 25 0.3 47.9 92K 70 Touchstarv 76K … … …

10410 5908 Croda 7050 + 2 1.3 30.7 175K 74K Quarto 145K … … 8.1

173W 74 Hochschild 76O + 1V 4.0 7.4 1775 680 AssetCov 755 – 15 … 4.6 1100 825 Tracsisv 900 + 15 … …

1575 835 Cropper (James)v‡ 915 + 30 … 27.9 420 96W Reach 114W + 2K 6.1 … 289 147O DFS Furn 155K – 1 4.8 8.2

223 98K Horizonte Minrlsv 116K – K … … 53K 35 Avisenv 48 … … … 27 14K Trakm8v 15N … … …

157N 96Y Elementis 104K + 1X … … 2X 1 REACT Grpv 1 … … 14.2 1521 775 Dunelm 864 + 10K 4.0 11.6 165 100 Triad Grp 130 … 1.5 14.2

40V 22K Hardidev 22K … … -4.3 21X 8O Hummingbird Resv 9 … …… 148K 100 Begbies Traynorv 142 + 2W 2.1 … 942 562K Frasers Group 942 – 7K … 41.8

2449 2029 Relx 2358 + 6 2.0 31.1 418 222K Wandiscov 300 + 8K … -5.5

3077 1721 Johnson Math‡ 2118 – 3 3.3 26.7 44N 12O IGas Energyv 35W + V … -1.8 290 190 Blancco Techv 195 – 3 … 69.8 3416 1808 Greggs 1979 – 2 0.7 17.3

800W 531 Rightmove 628O – 1K 0.7 35.5 1340 560 Water Intelv 560 – 30 … 30.8

2068 1309 Mondi 1416K – 81 3.6 10.8 X N Independ Resv N … … -0.3 3163 2397 Bunzl 3043 + 52 1.7 23.0 379V 142O Halfords 170Y – 1 2.9 5.7

155 92K SpaceandPeoplev 97K – 5 … … 273 145 Xaar 200 – 5 … …

125 75 Robinsonv 85 … 6.4 … 52O 20V Capita 28Y + X … 2.2 975K 581W Howden Join 673K + 18 1.9 12.7

377K 249 STV Group 280 + 10 3.4 6.8 250 214 Indus Gasv 245 … … 25.4 16O 6N Yourgenev 7N … … -5.0

462N 270 Smith (DS) 270 – 14X 4.4 15.3 51K 38K CEPSv 41K … … -9.4 933 647 Inchcape 793 + K 1.6 26.7 151 96W Zoo Digitalv 123 … … …

467 240 System1 Groupv 255 … … 12.2 1N N Ironveldv N … … -4.7

592O 433W Swire Pacific 474K … 3.3 … 130 89 Christie Groupv 116 … … 49.3 7X 2O IQ-AI 3 – V … -8.5

3682N 2637Y 21st Cent Fox Inc A 2905N + 2Y 1.1 15.9 521 171 ITM Powerv 201 + O … … Telecoms

28 14K Symph Environv 19 + K … … 1854 1436 Compass‡ 1854 + 19 0.7 45.1 234 102Y JD Sports‡ 141Y – X 0.2 17.1

3364N 2444K 21st Cent Fox Inc B 2692O + W 1.2 14.7 18V 13 Jubilee Metalsv 13O … … 11.4 480 178K CPPGroupv 185 … 16.2 …

564 222 Synthomer 233 – 3V 7.4 4.8 375K 234O Kingfisher 265W + 1K 4.5 6.6

2456K 1829W Takeda Pharm 2439Y – 29Y 4.7 13.6 … … Vela Techv … … … 9.6 3O 2 Karel Diamd Resv 2 … … -8.3 93K 70K Croma Securityv 70K … 2.8 10.1

101 56W Lookers 78X + N … 5.0 292 135 AdEPT Technologyv 147K … … …

13K 4V Velocysv 4X … … -5.8 262 205 Wilmington 261 … 2.3 16.6 1Y K KEFI Gold and Copperv X … … -2.6 6486 4889 DCC 5256 – 14 3.0 17.3 164X 82V Airtel Africa‡ 164X – X 1.9 14.6

1224 761K WPP 871K + 1O 3.0 16.6 256Y 129K Marks Spencer 144O + 1O … …

2678 1590 Victrex 1852 – 15 3.2 22.0 526 403 Kenmare Res 428 – 7 2.5 5.0 190V 73 De La Rue 75O – 1V … 9.9 19X 6 Mothercarev 7 + N … -4.3 200Y 135V BT Group 177V – 3O … 17.2

651 487K Wynnstay Groupv 630 … 2.3 14.4 123K 57K Zinc Mediav 107K … … -6.8 44N 5O Lamprell# 8X + X … -0.7 3460 2158 Diploma 2714 + 16 1.5 48.5 141K 66K Currys plc 70V – 2N … 3.3

879 151 Naked Winesv 165 + 9 … …

463 248 Zotefoams 248 – 4 2.5 14.9 30O 18V Landore Resv 18V … … -4.1 1262 597 Discoverie PLC‡ 699 – 5 1.4 57.3 8426 5764 Next‡ 6686 + 58 … 12.7 2335 1026 Gamma Commsv 1140 – 22 1.0 20.6

Natural resources O W Lansdowne O&Gv K … …… 68K 23K Driver Groupv 34 … 4.4 16.1 2090 727O Ocado Gp 791K + 38W … … 189 110 Helios Towers 134X + 2X … …

Leisure 29K 15 Leeds Groupv 15 … … -2.4 357 227 Essentra 247 – 1K 2.1 27.7 7055 1148K Just Eat T'away 1577W + 185W … -3.4

2O X ADM Energyv O … … -0.1 28O 16 Pendragon 21K – W … 6.7

4K 1Y Lexington Goldv 3 … … -7.1 X V Mobile Streamsv N … … -3.5

3667 2285 Experian‡ 2834 – 1 1.2 36.3 519 278 Pets at Home 321 + 2 2.4 13.1

478 144 888 Hldgs 156V + 3O 7.0 11.5 5N … Advance Energyv … … … -0.1 3N O Mobile Tornadov 1 … … -5.8

992 578 Accesso Techv 604 – 6 … 15.9 10N 4X MC Miningv 7O … … -1.6 13305 8680 Ferguson 9976 + 142 1.8 14.7 385 151V Saga 151V + 1W … … 2180 1010 Telecom Plus‡ 2180 + 15 2.6 55.9

64K 18W AFC Energyv 24O + 1 … …

1600 370 Best of the Bestv 480 … 1.0 5.3 1O Y Metals Explornv Y … … 1.6 250 210 FIH Groupv 240 … … … 340 203N Sainsbury J 220W + 3O 4.8 18.5 139K 106Y Vodafone Gp‡ 129 – K 6.0 …

… … Afentra PLC … … ……

1766W 619K Carnival 692 – 15O … -1.1 X N Nostra Terrav N … … -1.6 256 53K Gattacav 73 … 2.0 … 1805K 1311 Smith WH 1454K – 3 … …

N V Alba Mineral Resv V … … -3.4 36 18 Sosandarv 19 + K … … Transport

140 95 Celticv 111 … … 10.9 11W 3K Nostrum O&G 4Y + K … … 6V 4V Grafeniav 5W … … -4.0

1V K Alien Metalsv X … …… 3V 1N Stanley Gbbnsv 1K + V … -1.6

82K 17V Cineworld 22 + O … -0.7 265K 210X Oil Search 218Y – 5W 0.1 60.3 610 380K Hargeaves Servv 505 + 13K 1.4 5.2

132O 79X Alumina 82Y + K 5.5 17.2 293 103 Studio Retail Group# 115 – 2K … 2.4 301 201 Braemar Ship 257 + 2 1.9 8.5
748N 345K easyJet 379 – 3O … -2.3
465V 272K Domino's Pizza 283K … 4.2 14.4 N V Oilexv V … … -3.7 1178 608K Homeserve 1176 – 3 2.2 … 21N 7K Esken Limited
139K 81Y FirstGroup‡ 7K + V … -0.3
1V K Aminex O … … -4.4 520 305 Impellam Grpv 460 … … 25.1 167V 69K Ted Baker 85 – 1 … … 1020 260K Fisher (James) 131 – 2 … 31.1
188 102Y Intl Cons Air 266 + 1 … -4.8
2377 1075K Entain 1180 + 30K … 26.4 K V Oriole Resourcesv V … … -1.8 415 262N Irish Cont Uts 114O + 1N … -2.5
1423 783O Jet2v 326N + K … …
15890 7614 Flutter Ent 8276 + 252 … … 3Y X Amur Mins Corpv O … …… 70K 14N Ince Gv 15V … … 8.5 303W 231O Tesco 259W – 1X 3.5 13.2 284V 169 Natl Express 890 – 2K … -4.7
1055 835 Ocean Wilson 182N … … …
1238021 5978V Anglo Amer Plat 5978V + 285X 8.1 4.3 1 K Ormonde Miningv K … … -2.4 533V 264K Royal Mail 900 … 8.8 4.5
106V 66W Stagecoach 290O + O 3.4 3.3
41O 22 Gaming Realmsv 24W + W … … 5782 4188 Intertek 4517 + 7 2.3 25.3 75K 38V Topps Tiles 38O + O … 7.0 26K 19K Sutton Harbourv 104X … … 14.7
424 304 Wincanton‡ 21 … … …
4170K 2470K Ang Am 2665K + 38 6.6 5.2 20O 7K Orosur Miningv 7O – V … … 5398 1695 Wizz Air Hldgs 379K – 4 2.7 10.3
1918 + 41 … -4.3
325 290 Heavitreev 290 … … 17.4 328 181O IWG 194N + 2 … -7.4

210 170 Heavitree Av 184 … … 11.0 142K 80 Anglo Asian Mngv‡ 87K + 7 6.6 7.5 24 15V Pan African Resv 18O + N 4.4 6.1 Technology

162 97K Johnson Srvcev 107K + 2W … 67.2

145 90 Hermes Pacificv 145 … …… 1781K 991K Antofagasta 1076 + 29 4.9 11.1 149K 48 Pantheon Resv 95O – 2 … …

137K 99 Journeov 115 … … 25.7

5338 4193 Intercont Htls 4762 + 18 … 44.6 5N 2N Arc Mineralsv 3N … … 2.3 61 34W Parkmead Grpv 57K – 1 … -4.9 156K 100 Access Intellv 100K … … …

131 67Y Kier Gp 76X – N … 7.4

1N Y Minoan Gpv 1 … … -7.4 4Y 3 Ariana Resv 3 … … 4.1 Y W Pathfinder Minsv W … … -3.9 164 130 Aferian plcv 133K … 2.2 23.9

1400 1060 Latham (J)v 1370 – 10 1.5 7.5

295 160X Mitch & Butlers 174N + 2N … … Y K Arkle Resourcesv X … … -2.1 134 60K Petra Diamonds 100 + K … 3.3 213 137 Alfa Financial 154K + 1K 0.6 24.1

1085 665 Lok'n Storev 980 + 10 1.5 29.7

393K 119O On The Beach 123V + 1V … -6.4 6N 2N Armadale Capv 2N … … … 4 1W Petrel Resourcesv 2 … …… 26 16 Allied Minds 18W – O … -1.6

3850 2270 Lon Securityv 3450 … 2.3 19.0

1600 1274 PPHE Hotels 1450 – 15 … … 3 1V Asiamet Rsrcsv 1N … … … 4O 2 Petro Matadv 2N … … … 710 290 Aptitude Software 340 … 1.5 38.2

480 316 LSL Prop Services 326 … … 9.0

183V 79K Rank Grp 93K + 3V … 12.6 448 245 Atalaya Minev 276 – 9 10.6 3.4 163O 87K Petrofac 107N + Y … -2.7 645W 474 Avast‡ 503 – 8O 2.3 20.0

128O 41N Restaurant Gp 49V + K … -9.2 145 111 Macfarlane 116K – 1 2.3 13.5

… … Baron Oilv … … …… 4W Y Petroneft Resv 1V … … -3.4 4220 1924 Aveva Gp‡ 2393 + 34 1.6 …

35 21K Rotalav 31K … … … 385 272 Maintel Hldgsv 295 – 10 … 9.0

17K 3X Beowulf Miningv 5O + Y … … 25 Y Petropavlovsk# 1V – V … 1.6 229 126K Bangov 194 + 1K … …

40V 23K Sportechv 24K … … … N … Malvern Intlv … … … -1.1 94K 32V BATM Adv Coms 33W + X 2.2 14.0

V … Bezant Resv … … … -2.0 6W 3K Phoenix Globalv 5K – V … -1.3 224 179K Mears Group 192 + 1 1.3 16.7 Utilities

303V 207O SSP Group 255Y + 2 … -4.9 34 8O Berkeley Res 21 – K … -8.9

7K 3O Tastyv 4Y … … 6.5 3019 1835V BHP Group 2156 + 59 … 9.4 14N 2N Plexus Holdingsv 2K … … -0.6 607 255 Menzies (John) 607 + 1 … 48.0

6Y K Border & Sthn Petv 2X … … … 38K 15W Blackbirdv 18K + O … … 89K 45W Centrica 87V … … 8.8
257 178 ContourGlobal 255 – K 5.0 28.7
305 40 Tintra PLCv 95 + 5 … -1.6 1565K 92 Polymetal Intl 205 + 9 47.5 … 77N 46W Mitie Gp‡ 71O + N … 35.9 1Y 1 CloudCoCo Groupv 1V … … -2.8 831K 393O Drax Group 742K – 1 2.4 55.0
627K 515 Jersey Electricity 560 … 3.0 10.6
294V 123N TUI 133W … … -1.3 51W 17N Bougainville 19 … … … 772 510 Porvair‡ 604 + 4 0.8 23.2 31 5K MobilityOnev 6K – K … 4.8 1245K 884K Natl Grid‡ 1103K + 22K 4.4 25.7
15 5O OPG Powerv
3030 2268 Computacenter 2526 – 2 2.1 15.7 1321 952K Pennon‡ 6 … … 3.9
985 + 18K 3.3 71.3
5 2 Webis Holdingsv 2K … … … 4O 2K BowLevenv 2Y … … -3.6 6N 2N Prospex Energyv 3O … … -5.1 60 25 Newmark Secv 28 + K … -7.0 X W Rurelecv
3211 2603 Severn Trent K … … -0.4
103 71 Concurrent Techv 87K + 4 2.9 20.7 1920 1445K SSE 2931 + 59 3.4 …
1176K 968W Utd Utilities‡ 1727K + 6K 4.6 6.7
1167 540 Wetherspoon JD 566 + 1 … -5.2 451W 284 BP 383N – K 4.1 13.9 25K 8K Proton Motor Power Sv 8Y + V … -1.6 8 5K Norm Broadbentv 5K – N … … 1077K + 19 4.0 98.8

14K 8Y Corerov 11 … … …

3438 2431 Whitbread 2690 + 23 … … 30W 9Y Cadence Minv 10O – V … 1.0 4 1O Providence Resv 4 … … 35.7 66K 47 Northern Bearv 54K … … 5.5

2640 1340 Cranewarev 1780 + 30 1.5 81.1

1660 1120 Young & Co - Av 1168 + 20 … … 3O 2N Cadogan Petrol 2K … … 36.1 4W 1N Quadrise Fuels Intlv 1W … … -5.6 230 187 NWF Grpv 220 … 3.2 … 3V 2 Crimson Tidev 2V … … 14.6

982 648 Young & Co - N/Vv 730 – 20 … … 1250 850 Caledonia Miningv‡ 890 … 3.8 8.7 42K 16O Rambler Met&Minv 18 + O … 0.5 680K 386 PageGroup 466K – 6 1.0 12.6

27O 10 CyanConn Hldgsv 13 + O … …

229O 125K Capricorn Energy 216 + 2 … 1.7 W … Reabold Resourcesv N … … -4.7 95 53K PCI-PALv 58K … … … 400 230 D4t4 Solutionsv 242K … 1.1 28.7

Media 5N 2V Caspian Sunrisev 3K … … … O N Red Rock Resv K … … -3.0 13 9 Petardsv 9 + W … 16.5 1W … DeepMatter Gpv … … … -0.4

109O 74W Centamin 81V + 1Y 6.3 12.5 26K 17K PHSCv 26K … 3.7 48.1 24K 19 Dillistone Groupv 21K … … -6.2

Y V 7digital Gpv V … … -1.8 7758V 5051W Rio Tinto Ltd 5565 + 24O 8.9 5.8
78K 28K Aeorema Commsv 69 … … 19.0
40K 20K Altitude Groupv 22K + 1 … … 284 200K Cent Asia Metalsv 234 + 2K 6.9 6.8 5Y 1K PowerHouse Egyv 2N … … -4.0 1K W EQTECv W … … -4.9
175 72 Arcontech Grpv 76 … 3.6 10.5
454W 253O Ascential 306K – 1K … … 6292 4375K Rio Tinto 4772 + 79K 10.5 4.9 uAIM company; # Price at suspension;
741O 499K Auto Trader 612W – 2O 0.8 30.2 † Ex dividend; ‡ Ex scrip; s Ex rights issue;
427K 319 Bloomsbury Pub 412 … 2.1 16.9 24 11K Chaarat Goldv 12V … … … 95 61 Record‡ 70 – W 3.2 19.2 1362 830 FDM Group 915 + 19 4.7 31.7 t Ex all; § Ex capital distribution; * figures
11W 5W Bonhill Groupv 5O … … … or report awaited; . . . No significant data.
84 40K Catalyst Mediav 80K … … … 41V 34 San Leon Energyv 38 … … 14.2 Companies in bold are constituents of the
FTSE 100 Index. Investment Cos sector Nav
23Y 5N Chariot Oil & Gasv 19K – 1V … … 443 333 Redde Northgate 376K + 5 4.0 9.4 16O 9 Filtronicv 15Y – X … 42.9 Dis or Prm supplied by Morningstar.

1V N Scirocco Energyv N … …… Data as shown is
for information
11N 4K China Nonferr Goldv 4X … … … 872 594 Renew Hldgsv 691 – 10 1.9 17.0 2500 1378 First Derivtsv 2065 + 30 … … purposes only. No offer is made by
Morningstar or this publication
X … Clontarf Energyv … … … -1.0 77 36 Serabi Goldv 39K + K … 5.4

840 500 Renewi 778 + 1 … 16.4 952K 386V GB Groupv‡ 470V + 5 1.3 35.8

45K 22 Condor Gldv 22K – K … … 418K 145K Serica Energyv‡ 357 + 15K 0.9 … 636V 444K Rentokil Itl 515W + 2W 1.4 36.5

183 136 GreshamTech 146 … 0.5 …

2 W Corcelv W … … -0.4 14O 6O Shanta Goldv 9 + N 1.1 5.6 518 403 Restorev 450 + 6 0.5 53.5 193K 42Y Ilikav 55K + 2K … …

7938 49V DRD Gold 49V + 1K 7.7 5.8 2440 1364K Shell PLC 2039K + 11 2.9 10.7 490 331K Ricardo 401 + 9K 1.7 35.8 102 63K Ingentav 88 … 1.7 51.4

66 2GM Saturday July 23 2022 | the times

Money

Wall Street Major indices Eurotop 100 FTSE volumes (000s)

July 22 wkly July 22 wkly July 22 wkly New York Close +/- 12mthhigh 12mthlow Yield P/E 3i 1,330 Intl Cons Air 17,546
close +/- close +/- close +/- Dow Jones Intertek 178
Nasdaq Composite 31899.29 (-137.61) -0.66 43.98 29.83 abrdn 4,145 JD Sports
S&P 500 11834.11 (-225.50) RWE AG 37.28 -0.40 312.10 215.70 2.25 35.26 Kingfisher 5,412
3M 134.12 +3.99 eBay 46.68 +3.07 NextEra Energy 80.25 +1.54 -250.00 23160.00 15170.00 1.33 17.77 Admiral 498 Land Sec 5,272
3961.63 (-37.32) -205.00 24070.00 15965.00 1.87 2.97 Legal & Gen 2,015
Abbott Labs 109.20 +0.38 Ecolab 162.99 +7.81 Nike 109.12 +4.42 Swatch Group AG 246.00 -0.21 35.30 24.85 1.85 3.00 Airtel Africa PLC 1,403 Lloyds Bkg Gp 7,977
+0.60 153.40 122.42 2.83 13.40 Lond Stk Ex Gp 92,975
AbbVie 148.47 -5.15 Edison Intl 61.33 -0.23 Norfolk Sthn 243.10 +15.21 AP Moller-Maersk A Dn Kr 18040.00 +1.02 121.00 88.91 2.10 24.15 Ang Am 3,448 M&G
-0.26 232.50 168.20 Meggitt 521
Accenture 288.01 +16.49 Edwards Life 102.58 +3.15 Northern Trust 97.40 -1.88 Tokyo AP Moller-Maersk B Dn Kr 18195.00 +33.46 4996.80 2350.00 19.58 Antofagasta 1,298 Melrose 6,756
Nikkei 225 -0.32 59.19 46.66 5.45 11.13 Mondi
Activision Blizzard 79.23 +1.84 Electronic Arts 130.16 +7.00 Northrop Grum 451.85 -9.35 27914.66 (+111.66) ABB Ltd S SF 27.55 +0.12 31.31 20.56 6.69 5.28 Ashtead 610 Natl Grid 870
-4.50 777.50 403.45 0.99 26.78 NatWest Gr 19,132
Air Liquide Fr ¤ 129.34 -28.00 11289.62 8029.00 1.10 1.97 AB Foods 594 Next
-0.86 114.72 25.13 0.64 40.82 Ocado Gp 1,702
Adobe Sys 401.90 +22.04 Eli Lilly 328.75 -2.85 Nucor 119.86 +9.54 Hong Kong -0.91 133.60 22.08 1.92 1822.89 AstraZeneca 1,021 Pearson 3,763
Hang Seng -0.04 29.09 20.34 6.63 7.41 Pershing Sq 6,485
Aflac 55.28 +0.97 Emerson Elec 83.10 +3.50 Nvidia 173.19 +15.57 Airbus Fr ¤ 105.58 -0.02 7.42 6.63 Auto Trader 2,102 Persimmon
-0.05 3.48 2.32 6.66 7.23 Phoenix Gp 220
Agilent Tech 125.04 +6.21 Entergy 109.37 -0.75 Occidental Petr 61.06 +2.35 20609.14 (+34.51) Allianz G ¤ 174.12 -0.90 6.29 3.97 3.11 4.93 Avast 1,025 Prudential 3,109
-0.53 209.45 140.06 8.85 5.71 Reckitt Benck 1,675
Air Prods & Chm 234.56 +9.36 EOG Res 101.00 +3.72 ONEOK 57.99 +2.29 Amsterdam Anglo American UK p 2660.96 -0.61 69.52 39.33 1.90 3.83 Aveva Gp 259 Relx
AEX Index +55.54 67.99 43.91 7.56 7.23 Rentokil Itl 152
Albemarle Corporation221.46 +20.76 Equifax 200.85 +8.43 Oracle 74.90 +4.16 Anheuser-Busch InBev B ¤ 53.07 +0.21 3040.00 1774.56 3.48 56.34 Aviva 3,592 Rightmove 883
-0.72 97.60 67.58 Rio Tinto 2,796
Alexion Pharmas 182.50 Equinix 653.78 +34.03 O'Reilly 688.20 +5.00 705.04 (+0.43) Arcelor Mittal 23.04 -0.40 68.07 40.67 9.43 B&M European 1,687 Rolls-Royce 5,616
-24.00 456.00 281.00 2.44 4.16 698
Allergan 193.02 Equity Res 73.31 +1.99 Paccar 84.73 +4.68 Sydney -3.40 3645.00 2507.50 6.04 6.38 BAE Sys 5,921 Sage Gp 1,830
AO +0.19 201.40 134.85 Sainsbury J 3,683
Allstate 116.20 -6.20 Estee Lauder 260.10 +14.56 Parker-Hannifin 267.87 +19.51 ASML Holding Nl ¤ 522.50 +2.50 90.04 45.21 Barclays 54,389 Schroders 1,046
-2.43 733.50 513.00 Scot Mtge 2,061
Altria 43.09 +1.10 Evrsurce Engy 84.06 +0.40 Paychex 122.44 +7.44 7011.80 (-6.60) AstraZeneca UK p 10766.00 -0.10 67.63 39.20 Barratt Devs 2,806 Segro 14,676
-0.39 10.18 4.99 Severn Trent 1,691
Amazon 122.42 +8.87 Exelon 44.02 -0.21 Paypal Hldngs 81.05 +7.14 Frankfurt Atlas Copco A Sw Kr 110.22 -0.09 77.90 50.19 Berkeley 293 Shell PLC 1,287
DAX -0.20 65.30 46.48 Smith & Neph 4,268
Amer Elec Pwr 94.35 -0.87 Express Scripts 92.33 PepsiCo 169.61 -1.51 Atlas Copco B Sw Kr 98.57 -0.57 14.64 7.53 BP 23,456 Smith (DS) 192
+13.00 19.39 14.47 Smiths 3,361
13253.68 (+7.04) AXA Fr ¤ 21.21 +0.34 4364.10 3282.50 Brit Amer Tob 2,201 Smurfit Kappa 2,724
12.54 7.72 Spirax-Sarco 407
Amer Express 153.01 +10.53 Extra Space Stor 177.91 +8.34 PerkinElmer 146.67 +11.52 -0.02 12.67 6.64 Br Land 1,877 SSE 5,735
-0.01 8.10 4.61 St James Place 1,274
Amer Tower 259.60 +2.40 Exxon Mobil 87.08 +2.54 Pfizer 51.23 -0.52 Singapore Banco Santander Es ¤ 2.43 -0.03 14.61 9.79 BT Group 23,867 Stand Chart 5,073
Straits -0.85 14.85 9.59 Taylor Wimpey 820
Ameren Corp 87.43 -0.32 Facebook 196.64 +8.00 PG&E 10.63 +0.31 3181.34 (+29.04) BBVA Es ¤ 4.15 +2.13 83.15 63.51 Bunzl 450 Tesco 240
+3.30 2753.96 1228.06 Unilever 86
American Int 51.33 +1.25 Fastenal 48.46 +0.42 Philip Morris Intl 95.93 +5.75 Brussels Barclays UK p 158.06 +1.36 548.30 302.55 Burberry Grp 535 2,328
BEL20 -0.20 100.95 77.50 Utd Utilities 1,472
American Wtr W 148.22 -0.35 Fedex 227.30 +9.47 Phillips66 84.53 +2.89 BASF G ¤ 43.14 -0.32 79.65 56.55 Centrica 13,806 Vodafone Gp 3,389
+9.00 88.96 56.56 Whitbread 6,481
Ameriprise 245.06 +14.73 Fifth Third 33.63 -0.11 Pioneer Ntrl Rscs 209.80 +1.35 3738.95 (-21.02) Bayer G ¤ 56.79 -7.50 1678.00 957.60 Coca Cola HBC 376 WPP 10,623
+0.20 567.20 329.55 2,046
AmerisrceBerg 142.50 +0.28 FirstEnergy 38.32 +0.85 PNC Finl 161.76 +8.34 Paris -17.50 11.49 8.47 Compass 1,932 522
CAC-40 -0.19 1918.66 1434.23 1,256
Ametek 115.33 +3.63 FIS 99.02 +3.80 PPG Inds 127.73 +10.93 BHP Group UK p 2152.54 -0.13 32.63 18.55 CRH 1,011 85,803
14.00 7.90 302
Amgen 245.95 -2.74 Fiserv 99.87 +5.71 PPL 27.33 -0.20 6216.82 (+15.71) BMW G ¤ 77.10 +0.15 2.92 1.58 Croda 167 4,248
+0.05 315.35 244.00
Amphenol 69.82 +3.70 Ford Motor 12.82 +0.94 Price T Rowe 121.08 +5.70 Zurich BNP Paribas Fr ¤ 43.82 +6.60 54.50 38.10 DCC 137
SMI Index +1.40 433.65 300.45
Anadarko Petrlm 72.77 Freeport-Mcm 27.76 +1.94 Priceline.com 1905.64 +20.64 DJ Euro Stoxx 50 BP UK p 383.50 +0.20 741.60 535.00 Dechra Pharma 446
+21.00 282.25 205.15
11096.12 (-38.62) British Am Tob UK p 3426.00 +1.40 1271.45 880.60 6.30 11.57 Diageo 2,255
3596.49 (-0.02) -0.02 128.94 105.90 17.20
Analog Devices 163.27 +5.30 Garmin 104.95 +5.05 Procter & Gmbl 143.02 -2.05 -0.19 88.42 72.84 8.80 Endeavour Mining PLC
-0.85 11.94 8.93
Aon Corp 279.49 +7.89 Gen Dynamics 216.76 +3.99 Progressive Cp 111.19 -4.89 BT Group UK p 177.65 +0.08 214.50 166.60 1.11 23.01 286
+4.50 42.01 19.16 3.24 10.04
Apple 154.09 +3.92 Gen Electric 68.19 +5.33 Prologis 126.90 +5.89 London Centrica UK p 87.31 +6.00 1566.00 881.00 1.76 Entain 1,882
-0.10 8020.00 5782.00 2.44 5.53
Applied Mats 101.67 +7.20 General Mills 73.63 -1.29 Prudential Finl 95.51 +3.18 FTSE 100 7276.37 (+5.86) Christian Dior Fr ¤ 623.00 +93.00 146.10 90.28 3.57 18.50 Experian 1,082
+0.40 6343.00 4354.00
Archer Daniels 73.84 +1.84 General Mtrs 34.67 +1.80 Public Serv Ent 60.10 -0.45 FTSE 250 19824.77 (+115.53) Compagnie de Saint-Gobain 43.29 +0.44 439.20 341.00 8.22 Flutter Ent 446
-0.45 161.91 77.87 3.26 21.13
Arthur J. Gallagher168.23 +2.48 Genuine Parts 144.49 +5.95 Public Storage 319.33 +6.01 FTSE 350 4062.26 (+6.47) CS Group S SF 5.33 +15.50 265.00 100.34 1.95 28.62 Fresnillo 546
-0.36 2459.23 1282.78 5.49 4.75
AT&T 18.40 -2.17 Gilead Sciences 60.80 -1.80 Qualcomm 153.70 +9.33 FTSE Eurotop 100 3261.08 (+6.87) +3.92 106.08 80.51 4.09 9.16 Glencore 21,254
+0.18 129.74 83.84 7.67 22.24
Auto Data Proc 220.34 +6.21 Global Payments 118.71 +3.91 Quanta Services 133.06 +5.05 Mercedes-Benz Group AG 54.69 -1.72 173.78 110.02 4.59 8.14 GlaxoSmKline 6,672
-12.16 156.98 93.67 6.07 4.67
Autodesk 195.95 +19.74 Goldman Sachs 323.93 +30.06 Realty Income 71.35 +1.04 FTSE All-Shares 4028.28 (+6.78) Danone Fr ¤ 53.74 -0.40 641.00 406.20 1.94 20.87 20,604
312.10 215.70 4.59 20.13
Autozone 2147.62 -67.41 Google Class A 107.90 -2127.65 Regeneron Pharm 586.11 -21.43 FTSE Non Financials 4916.95 (+16.75) Deutsche Bank G ¤ 8.26 -0.08 102.20 70.48 2.10 15.46 Halma 1,029
+0.14 5.06 3.61 1.02 16.67
techMARK 100 5994.02 (+8.08) Deutsche Telekom G ¤ 18.16 -1.10 16.36 8.04 2.98 16.34 Harbour Energy 3,504
+0.87 304.10 230.48 2.95 16.49
AvalonBay 198.25 +5.46 Google Class C CS 108.36 -2146.98 Regions Financial 20.65 +1.46 Bargains n/a Diageo UK p 3720.00 -0.16 42.19 24.51 0.37 52.33 Hargreaves L 771
+0.33 19.90 13.10 3.14 11.26
Baker Hughes 57.68 Grainger (WW) 473.88 +16.48 Republic Serv 131.02 +2.02 US$ 1.1982 (-0.0013) +0.57 49.17 39.36 4.17 17.34 Hikma Pharms 208
+0.01 103.74 80.74 7.45 6.20
Ball Corp 69.49 -11.15 Halliburton 27.46 -0.40 Rockwell Auto 221.60 +15.25 EON G ¤ 8.46 -0.62 12.16 5.45 0.89 26.21 Howden Join 3,034
+0.70 141.60 106.30 6.55 7.44
Bank NY Mellon 42.72 -0.69 Harris 189.13 -8.09 Rockwell Collins 141.04 Euro 1.1741 (+0.0007) EDF Fr ¤ 11.77 -0.22 313.00 162.40 2.18 52.06 HSBC 20,758
+1.80 218.65 148.24 1.31 44.15
Bank of America 33.43 +1.18 Hartford Financial 63.78 +0.79 Roper Inds 410.92 +15.77 £:SDR 0.98 (+0.00) Enel It ¤ 4.72 461.70 362.90 5.94 6.00 Imperial Brands 798
1.12 43.58
Bard (CR) 331.24 HCA Hldngs 202.03 +30.42 Ross Stores 83.24 +5.26 Exchange Index 78.73 (-0.23) Engie (FR) 11.42 1.09 26.88 Informa 2,956
4.42 10.60
Baxter Intl 66.16 +1.25 Hershey 215.92 -0.88 Salesforce.com 182.47 +15.09 Bank of England official close (4pm) ENI It ¤ 10.97 4.45 25.72 Intercont Htls 271

BB&T 54.24 -0.48 Hess 101.39 +6.18 Schlumberger 35.07 +2.77 CPI 121.79 Jun (2015 = 100) Intermed Cap 668

Becton Dickinsn 242.13 +2.89 Home Depot 306.59 +14.18 Schwab (Charles) 62.99 +0.81 Fresenius Medical Care Ag & Co 73.67

Berkshire Hath 285.93 +7.45 Honeywell Intl 181.47 +8.67 Sempra Energy 154.24 +3.00 RPI 340.00 Jun (Jan 1987 = 100) GlaxoSmKline UK p 1748.93 European money
deposits %
Biogen Idec 206.25 -10.76 Hormel Foods 47.59 -0.20 Sherwin-Williams 259.01 +13.44 RPIX 290.10 Jun (Jan 1987 = 100) Glencre Xstrata 423.10

Blackrock 633.64 +33.27 HP Ent 13.77 +0.50 Simon Prop 103.68 +7.32 Morningstar Long Commodity 677.16 (+5.72) Heineken NV Nl ¤ 95.08

Boeing 158.16 +10.42 HP Inc 32.47 +0.81 Southern Co 71.94 -0.39 Morningstar Long/Short Commod 4703.45 (+27.75) Henkel KGaA G ¤ 60.70

Boston Sci 38.12 +0.57 Humana 488.97 +1.43 S&P Global 361.94 +12.49 Commodities Henkel KGaA Pref G ¤ 61.28 Currency 3mth 6mth 12mth
1mth 0.20 0.29 0.55
Bristol-Myrs Sq 72.95 -2.70 Huntington 13.02 +0.51 Spectra Engy 77.32 +8.17 ICIS pricing (London 7.30pm) Hermes Intl SCA Fr ¤ 1205.00 1.90 2.53 0.81
Dollar 0.15 0.20 0.50
Broadcom Ord 512.52 +18.06 IBM 128.25 -11.67 Starbucks 83.59 +3.97 HSBC UK p 515.90 0.13

Brown-Forman- B 71.22 -0.08 ICE Group 99.11 +3.28 State Street 68.16 +2.49 Iberdrola Es ¤ 9.99 Sterling
1.48
Capital One Fin 108.93 +0.78 IFF 122.26 +6.28 Sthwest Airlines 40.24 +0.66 Imperial Tobacco UK p 1855.00
Euro
Caterpillar 178.62 +5.24 Illinois Tool 191.56 +10.94 Stryker 199.42 +4.66 Inditex Es ¤ 24.56 0.10

Celgene 108.24 Illumina 201.69 +12.48 SunTrust Banks 70.13 Crude Oils ($/barrel FOB) ING Nl ¤ 9.05

Centene 90.94 +1.28 Ingersoll-Rand 44.54 +3.54 Sysco 86.86 -0.76 Brent Physical Intesa Sanpaolo It ¤ 1.66 Gold/precious
BFOE(Oct) metals
CenterPoint Egy 29.70 +0.09 Intel 39.20 +0.58 Target 157.74 +11.07 BFOE(Sep) 107.56 -2.93 Linde G ¤ 280.85
WTI(Sep) 103.27 -0.67
Cerner 94.92 +0.07 Intuit 434.74 +41.78 TE Connectivity 123.05 +7.39 WTI(Oct) 98.54 -1.10 Lloyds Bkg Gp UK p 43.38
94.70 -1.65
Chevron 144.19 +6.54 Intuitive Surg 211.85 +0.93 Texas Insts 163.90 +3.36 92.43 -1.35 L'Oreal Fr ¤ 353.60

Chipotle Mex Grill1347.33 +47.34 JB Hunt Trprt 173.75 +6.17 TheKraftHeinz 38.32 +0.31 Bullion: Open $1718.35
Close $1730.32-1730.47 High $1738.66
Church & Dwight 94.06 -1.52 Johnsn & Johnsn 172.12 -6.11 Thermo Fisher 561.54 +22.67 LVMH Fr ¤ 634.70 Low $1712.96
AM $1686.55 PM $1705.10
Cigna Corp 269.20 -4.91 Johnson Controls 50.78 +3.87 TJX 63.76 +3.20 Munich Re G ¤ 219.20 Krugerrand $1712.00-2805.00 (£1425.03-
2334.81)
Cintas 396.73 +8.45 JP Morgan Chase 114.76 +1.81 Tractor Supply Co 194.89 -8.31 Products ($/MT) Natl Grid UK p 1102.00 Platinum $886.00 (£737.49)
Silver $18.74 (£15.60)
Cisco Systems 44.46 +1.39 Kansas City 293.59 Transdigm Group 581.12 +42.96 Nestle S SF 116.46 Palladium $2043.00 (£1700.54)

Citigroup 51.91 +1.93 Kellogg 71.14 -1.31 Travelers 156.42 +0.24 Spot CIF NW Europe (prompt delivery) Novartis S SF 82.95 3.41 9.13
5.86 3397.74
Citizens Financial 37.17 +0.37 Kimberly-Clark 132.40 -2.28 TSYS 133.27 Orange 10.12 1.66
3.86 28.33
Clorox Co 147.85 -0.82 Kinder Morgan 17.65 +0.89 Tyson Foods 82.08 +0.15 Premium Unld 1091.00 1093.00 -11.00 Pernod Ricard NV Fr ¤ 185.50 1.17 32.84
Gasoil EEC 1132.50 1134.50 +41.00 2.69 16.28
CME 204.48 +2.54 KLA-Tencor 354.02 +27.79 Ulta Salon 406.40 +9.16 3.5 Fuel Oil 459.00 Philips Elect Nl ¤ 21.75 1.72
Naphtha 780.00 474.00 -1.00 10.53 25.80
CMS Energy 65.18 -1.02 Kroger 46.24 -1.51 Union Pacific 213.40 +4.27 782.00 +25.00 Prudential UK p 1006.50 2.09 4.99
26.80
Coca-Cola 61.59 -0.91 Lab Corp Amer 246.34 +1.83 Untd Rentls 274.29 +22.45 Reckitt Benckiser UK p 6498.00 8.68 62.99 Dollar rates
2.97 4.76
Cognizant Tech 69.10 +3.24 Lam Research 463.99 +36.86 UPS 187.98 +5.39 Richemont S SF 106.75 3.25 10.75
1.99 19.91
Colgate-Palm 77.47 -0.68 Lennar 83.08 +4.99 US Bancorp 47.71 +1.14 ICE Futures 2.05 20.89
3.28 22.41
Comcast 42.60 +1.70 Level 3 Coms 53.63 +0.43 Utd Health 521.41 -8.34 Gas Oil Rio Tinto UK p 4785.50 1.55 16.04 Australia 1.4405-1.4406
1.33 12.84 Canada 1.2875-1.2875
ConocoPhillips 88.13 +5.24 Lockheed Martin 394.74 -3.64 Utd Tech 86.01 -18.63 Aug 1063.75-1062.50 Nov Roche Hldgs S SF 394.60 7.75 17.77 Denmark 7.2812-7.2817
Sep 1040.75-1040.25 Dec 7.80 17.52 Euro 0.9781-0.9781
Consd Edison 92.44 -0.96 Lowes Cos 195.58 +10.58 Valero Energy 104.02 -0.57 Oct 1023.25-1022.50 Rolls-Royce UK p 92.79 1.98 3.24 Hong Kong 7.8488-7.8490
3.53 10.75 Japan 136.15-136.15
Constellation Brs 242.38 -2.16 LyondellBasell 86.80 +2.06 Ventas 51.78 +1.04 1001.50-999.75 Royal Bank Scot UK p 120.90 6.63 13.21 Malaysia 4.4495-4.4545
974.50-974.00 2.04 7.83 Norway 9.9168-9.9218
Corning 34.37 +1.17 Marathon Petrol 85.65 +1.23 VeriSign 185.30 +7.82 Shell 2044.00 3.12 8.31 Singapore 1.3870-1.3871
Volume: 572353 2.97 23.58 Sweden 10.215-10.218
Costco Whole 529.72 +6.77 Marriott Intl 150.91 +7.56 Verisk Analyt CS 184.78 +5.95 Sanofi-Aventis Fr ¤ 97.36 5.92 20.10 Switzerland 0.9614-0.9618
6.00
Crown Castle Int 172.86 -0.54 Marsh & McLenn 156.84 +5.86 Verizon Comm 44.45 -6.57 SAP G ¤ 92.06 2.49 6.51
3.68 11.60
CSX 30.89 +2.03 MartinMarietta 326.21 +11.25 Vertex Pharma 280.29 -12.55 Brent (9.00pm) Schneider Electric Fr ¤ 125.58 4.60 13.81

Cummins 205.20 +8.84 MasterCard 343.88 +11.31 VF Corp 47.46 +2.01 Sep 105.27-105.23 Dec 96.09-96.06 Siemens G ¤ 105.42
Oct 100.52-100.50 Jan 95.00-94.42
CVS Caremark 94.06 -1.31 McCormick 84.11 +2.37 Visa 213.70 +3.66 Nov 98.02-97.98 Volume: 1706978 Standard Chartered UK p 575.04

Danaher 273.84 +18.06 McDonald's 253.99 -1.02 Vulcan Mats 155.65 +6.93 Other Sterling

Deere&Co 312.26 +14.56 McKesson 330.44 +0.44 Walgreens Boots 38.66 +0.63 Swatch Gp BR S SF 246.00

Delta Air Lines 31.35 +1.26 Medtronic 90.72 +1.60 Wal-Mart 132.21 +3.14 LIFFE Swiss Re AG S SF 71.54

Devon Energy 55.19 +2.48 Merck & Co 90.11 -4.85 Walt Disney 102.72 +7.52 Cocoa Telefonica Es ¤ 4.39 Argentina peso 155.88-155.89
Australia dollar 1.7305-1.7307
Digital Realty Tr. 127.42 +6.44 Metlife 60.85 +1.82 Waste Mgt 154.93 +2.92 Sep Tenaris SA It ¤ 12.49 Bahrain dinar 0.4493-0.4564
Dec Brazil real 6.5475-6.5511
Discover Financial 100.00 -4.01 Microchip 64.72 +2.34 Waters 345.68 +11.67 Mar 1702-1698 Dec 1944-1750 Tesco UK p 260.00 Euro 1.1746-1.1752
May 1752-1750 Mar 1738 BID Hong Kong dollar 9.4286-9.4297
Dollar General 247.81 +3.67 Micron 61.29 -0.24 WEC Engy 97.86 -2.89 Jul 1752-1750 May 1738 BID TotalEnergies 39.69 India rupee 95.896-95.909
Sep 1752-1750 Indonesia rupiah
Dollar Tree 172.01 +4.05 Microsoft 260.36 +3.64 Wells Fargo 43.17 +2.04 1757-1754 Volume: 65776 UBS AG S SF 15.93 Kuwait dinar KD 17981-17983
1762-1761 Malaysia ringgit 0.3681-0.3705
Dominion Res 77.35 -1.85 Mondelez 61.99 +1.25 Welltower 52.22 -2.58 Unilever NV Nl ¤ 45.93 New Zealand dollar 5.3282-5.3342
Singapore dollar 1.9162-1.9166
Dover 128.64 +8.11 Monster Bvrge 95.07 -2.08 Weyerhaeuser 35.51 +0.73 Vinci Fr ¤ 89.57 S Africa rand 1.6661-1.6664
U A E dirham 20.176-20.186
Dow Chemical 50.85 +1.30 Moodys 295.46 +13.85 Williams Cos 32.34 +0.96 Vivendi Fr ¤ 10.01 4.4070-4.4094

D.R. Horton 77.39 +3.93 Morgan Stanley 82.43 +4.38 Xcel Energy 68.67 -1.29 Vodafone Group UK p 128.98

Dr Pepper Snap 123.66 -0.02 Motorola Sols 221.16 +6.14 Xilinx 194.92 RobustaCoffee

DTE Energy 123.75 -1.43 M&T Bank Corp 168.96 +12.75 Yum Brands 119.45 +1.30 Jul 1908-1950 Mar 1954-1916 Volkswagen G ¤ 190.50
Sep 1961-1958 May 1925-1911
Duke Energy 104.98 -2.45 Netflix 220.44 +31.33 Zimmer 107.00 +3.49 Nov 1960-1954 Volvo B Sw Kr 176.94
Jan 1958-1935 Volume: 13112
Eaton 136.65 +7.66 Newmont Mining 51.39 -3.34 Zoetis 178.18 +3.64 Zurich Fin S SF 408.80

London Financial Futures White Sugar (FOB) Money rates %

Period Open High Low Sett Vol Open Int Reuters May 487.00-484.10 Base Rates Clearing Banks 1.25 ECB Refi 0.00 US Fed Fd 1.50-1.75
Sep 22 116.63 117.67 116.41 585831 Aug 505.00-478.00
Long Gilt Dec 22 116.65 116.65 116.65 117.27 221863 68 Oct 523.70-523.00 Oct 472.20-470.00 Halifax Mortgage Rate 4.49 Exchange rates
3-Mth Sterling Sep 22 98.885 98.890 98.860 301735 Dec 502.30-500.60 Dec 494.30-470.00
Dec 22 98.820 98.825 98.790 115.46 1 347378 Mar 494.20-492.00 Volume: 61216
3-Mth Euribor Mar 23 98.785 98.795 98.755 229855
Jun 23 98.866 3885 Bid Change
3-Mth Euroswiss Sep 23 99.125 99.275 99.125 547993
FTSE100 Sep 22 98.570 98.800 98.550 98.806 7310 761385 London Grain Futures Treasury Bills (Dis) Buy: 1 mth 1.400; 3 mth 1.890. Sell: 1 mth 0.920; 3 mth 1.390 Australia $ 1.730 +0.01
FTSEurofirst 80 Dec 22 98.410 98.700 98.390 669681 Canada $ 1.546 +0.04
Mar 23 98.360 98.680 98.315 98.771 8310 439029 LIFFE Wheat (close £/t) Denmark Kr 8.762
Jun 23 98.295 98.660 98.285 408114 Euro ¤ 1.177 +0.07
Sep 23 100.68 100.68 100.67 Nov 255.50 Jan unq Mar unq 1 mth 2 mth 3 mth 6 mth 12 mth Hong Kong $ 9.450 +1.17
Sep 22 100.61 100.62 100.59 31355 May 261.00 Jul 1.4144 0.0000 1.9023 2.5325 0.0000 Hungary 467.719 +121.01
Dec 22 22748 unq Volume: 1473 Interbank Rates Indonesia 18083.351 +0.02
Mar 23 7222.5 7266.5 7205.0 Eurodollar Deps 2.2 - 2.45 2.43 - 2.68 2.64 - 2.89 3.35 - 3.6 3.8 - 3.87 Israel Shk 4.146 -0.88
Jun 23 7213.0 7213.0 7213.0 99.235 171119 607155 London Metal Exchange Japan Yen 163.819
Sep 22 98.740 209556 2411 (Official) New Zealand $ 1.917 +1.64
Dec 22 98.645 173719 Norway Kr 11.921 -0.14
Sep 22 98.610 136847 Cash 3mth Dec 22 Sterling spot and forward rates Poland 5.579 +0.07
Dec 22 98.595 126720 Russia 70.142
100.68 710 Copper Gde A ($/tonne) 7410.0-7420.0 Mkt Rates for Range Close 1 month 3 month S Africa Rd 20.257 +0.22
100.62 488 7370.0-7372.0 7391.0-7393.0 Copenhagen 8.7338-8.7707 8.7469-8.7482 65pr 409ds Sweden Kr 12.285 +0.01
Euro 1.1786-1.1733 1.1752-1.1748 12pr 38pr Switzerland Fr 1.157
Lead ($/tonne) 1958.0-1963.0 Montreal 1.5348-1.5476 1.5466-1.5468 12pr 36pr Turkey Lira 21.385
2003.0-2005.0 1999.0-2001.0 New York 1.1919-1.2064 1.2013-1.2014 9pr 26pr USA $ 1.204
Oslo 11.864-11.965 11.914-11.917 10ds 35pr
Zinc Spec Hi Gde ($/tonne) 2635.0-2640.0 Stockholm 12.223-12.294 12.271-12.274 452ds
3044.0-3045.0 2976.0-2978.0 Tokyo 163.41-165.12 163.56-163.57 173ds 89ds
Zurich 1.1526-1.1596 1.1552-1.1553 24ds 58ds
7234.5 77570 Alum Hi Gde ($/tonne) 2495.0-2500.0 17ds Rates supplied by Morningstar
7214.0 1 2459.0-2460.0 2457.0-2457.5 Discount = ds
4944.0 Premium = pr
4933.0 Nickel ($/tonne) Data as shown is
21525.0-21530.0 21625.0-21675.0 21980.0-22030.0 for information
purposes only. No offer is made by
Tin ($/tonne) 15mth Morningstar or this publication

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the times | Saturday July 23 2022 67

Money

Unit-linked insurance investments

Weekly Yld Weekly Yld Weekly Yld Weekly Yld Weekly Yld Weekly Yld

Sell Buy +/- % Sell Buy +/- % Sell Buy +/- % Sell Buy +/- % Sell Buy +/- % Sell Buy +/- %

ABBEY LIFE CLERICAL MEDICAL INVESTMENT GROUP International 608.90 640.90 +18.10 … Oseas Equity Ord 1793.20 1887.50 +44.60 … Gilts & Fxd Int 562.10 591.70 -4.90 … Squirrel 28.57 30.07 … …
01202 292373 Narrow Plain, Bristol BS2 0JH 0117 9290566 Japan 299.40 315.10 +8.70 … Property Init 298.90 314.70 -0.10 … Growth Fund 839.90 884.10 +11.50 … Stag …
80 Holdenhurst Road, Bournemouth Life Funds North Amer 4047.70 4260.70 +139.90 … Property Ord 1081.70 1138.70 +0.30 … International Fd 1209.30 1273.00 +30.60 … 91.45 96.26 +4.39
BH8 8AL Perpetual 468.00 492.60 -1.30 … North American 2218.20 2335.00 +69.30 …
Cash 294.90 310.42 +0.01 … Schroders 1479.10 1556.90 +14.40 … Opportunity Fd 823.10 866.50 +15.90 … Pensions
American Ser 4 3784.00 3983.20 +133.00 … Dist Acc S2 210.16 210.16 -0.17 … Select Mgd 147.80 155.60 -0.30 … NPI Safety Fund 633.50 666.80 … 112.20 118.10 +2.00 …
Custodian S4 585.60 616.40 +6.20 … Fidelity Bal 1152.24 1212.89 +9.36 … UK Eqty Inc 1540.30 1621.30 -39.50 … 020 7477 5567 UK Equity 908.80 956.70 -1.30 … Bear 117.20 123.30 +3.00 …
Equity Ser 4 745.80 785.00 +15.90 … Gilt & Fixed Int 517.95 545.21 -5.04 … UK Equity Gwth 2146.20 2259.10 +73.00 … 55 Moorgate, London EC2 +21.10 Bull 34.59 36.41 …
Ethical S4 412.60 434.30 +8.40 … Non Eqty 415.36 437.22 -1.46 … UK Fxd Int 569.30 599.20 +2.50 … Deposit 66.30 69.79 … …
European S4 869.80 915.60 +30.20 … Nth American 2965.75 3121.84 +64.29 … Americas 2535.60 2669.10 +94.50 … SCOTTISH PROVIDENT INSTITUTION Gilt Edged 133.90 140.90 +0.18 …
Fixed Int Ser 4 884.10 930.70 +1.90 … Property 804.28 846.61 +2.55 … Pension Deposit 358.40 377.30 … … 0131 556 9181 Owl 46.23 48.66 +4.30 …
High Inc Ser 4 2516.60 2649.10 +76.20 … UK Gwth 1228.73 1293.40 +32.62 … Far East 1622.40 1707.80 … 6 St Andrews Square, Edinburgh EH2 2YA Squirrel 149.60 157.50 …
International S4 777.10 818.00 +23.30 … With Prof Bd S2 121.90 121.90 … Aggressive Mgd 4 Fixed Interest 1000.10 1052.80 +32.90 … Stag …
Japan Ser 4 506.60 533.30 +11.20 … With Profits Flex 127.80 127.80 … … Balanced Mgd 3 Indexed Gilt 789.50 831.10 +4.10 … +7.50
Man Ser 4 2263.20 2382.30 +40.40 … With Profits Reg 397.30 418.30 … … Cautious Mgd 2 Managed 1668.70 1756.60 +5.60 …
Money Ser 4 526.30 554.00 … … +0.20 European 1003.20 1055.90 -3.70 … Overseas Equity 2271.90 2391.50 +34.10 … Cash 299.70 315.50 … … Pre 1982 Series
Prop Fd Ser 4 1109.20 1167.60 +0.50 … Far Eastern 3717.40 3913.00 +97.70 … UK Equity 2377.30 2502.50 +71.40 … Equity 864.50 910.00 +25.40 …
Protected Gth S4 213.80 225.00 … … Framlington 815.90 858.80 … +66.90 Fixed Interest 716.20 753.90 … 3-Way Fund 2968.10 2968.10 +66.90 …
Green 1186.70 1249.10 -3.90 … Index Linked 558.70 588.10 -4.50 …
Pension Funds 334.53 352.14 +0.03 … International 2779.70 2926.00 +55.00 … PEARL International 1011.30 1064.50 -14.30 … Gresham 4659.00 4904.20 +165.10 …
1867.22 1965.49 +83.63 … Japan 258.10 271.70 +38.10 … The Pearl Centre, Lynch Wood, Peterborough Managed 865.40 910.90 +25.70 … 2423.40 2550.90 +78.70 …
Cash 589.81 620.85 … North Amer 968.20 1019.10 +0.80 … PE2 6FY 01733 470 470 Property 684.00 720.00 +12.10 … American & Genrl 2760.70 2906.00 +89.60 …
European 142.88 150.40 -7.22 … Perpetual 892.00 938.90 +45.30 … +0.40 Capital Fund 692.30 728.70 +1.60 …
Gilt & Fixed Int 4521.21 4759.17 … … Schroders 371.30 390.80 +32.00 … Equity Fund 950.30 1000.30 +30.90 …
Fomerly Hill Samuel Life Assurance Ltd Halifax 1155.75 1216.57 … Select Mgd 11656.30 12269.70 +11.40 … Fixed Interest 3783.60 3982.70 +123.50 …
Nth American 379.44 399.41 +112.22 … UK Eqty Gwth 566.20 595.90 +501.90 … Income 585.20 615.90 +12.90 …
Equity Fund 2799.10 2962.00 +80.70 … PP Bal Pens 1071.86 1128.28 +10.76 … UK Eqty Inc 2846.70 2996.50 … Inv Equity 5630.00 5926.40 +147.00 … Formerly Prolific 835.70 879.70 +15.40 … International Gth 3284.00 3456.80 +73.90 …
European Fund 4545.20 4809.80 +158.20 … PP Caut Pens 865.09 910.62 +2.60 … UK Fxd Int 158.90 167.30 -1.90 … Inv Managed 3792.60 3992.30 +75.90 … 2626.80 2765.10 +36.20 … Japan & General 525.40 553.00 …
Fixed Intl 981.60 1038.70 … PP UK Gth Pens 713.80 751.40 +28.47 … 3789.50 3988.90 +33.90 … Inv Prop Ac Grs 854.40 899.40 +0.10 … Adventurous Mg 542.70 571.30 … Managed Bond 1436.50 1512.10 … …
Income Fund 3111.20 3292.30 +2.20 … PP UK Prop Pens 707.10 744.40 +2.88 … 2512.60 2644.80 … Inv Prop Dist 270.40 284.70 +0.10 … Bal Gwth Mngd 394.30 415.10 … … Money Fund 2643.60 2782.70 +0.60 …
International 2096.60 2218.60 +94.80 … With Profits Reg +0.50 1214.70 1278.60 -0.30 … Ret Managed 4496.40 4733.10 +111.40 … Cash Fund 3539.00 3725.30 -0.50 … Property Fund +127.20
Managed Series A 2125.20 2248.90 +62.90 … With Profits Spec +0.40 +159.60 Cautious Mngd 152.50 160.60 +89.20 … Recovery Fund
Managed Units 3870.30 4074.00 +37.20 … PHOENIX LIFE LTD Equity Fund 750.00 789.50 +3.90 …
Money Series A 477.40 505.20 +67.90 … -64.20 Edward Pavilion, Liverpool L3 4SL 0151 239 3000 Equity Inc Dist 1395.80 1469.30 +27.90 …
Money Units 672.90 708.30 … +5.40 For further fund prices please ring: 0800 731 2031 European 2133.30 2245.60 +21.10 …
Property Series A 1527.60 1616.50 … … For further fund prices please ring 0800 731 2031 Extra Income Fd 1215.60 1279.60 +23.50 …
Property Units 2814.70 2962.90 +0.10 … COUNTRYWIDE ASSURED LLOYDS TSB LIFE LTD Far East 2932.60 3087.00 -10.60 … WINTERTHUR LIFE UK LIMITED
Smaller Cos 2952.00 3123.80 +0.70 … Harbour House, Portway, Preston, Lancs 01634 834000 Broker Life Funds Fxd Interest Fund 1213.20 1277.10 +81.70 … 01256 470707
+1.40 PR2 2PR Mountbatten Hse, Chatham, Kent High Income 138.40 145.70 +31.00 … Winterthur Way, Basingstoke RG21 6SZ
+130.50 CA Funds 0800 262536 Life Funds Moneyhill Grth 510.43 537.29 +2.58 … International 3673.90 3867.30 +1.40 … Formerly Colonial
Managed Dist 1034.70 1089.20 +114.70 …
Formerly Target Life Assurance Co Ltd Deposit Life 220.10 231.60 … … Equity 1601.50 1685.70 +22.50 … Lifestyle Bond Funds (Post 29/1/01) North American 6636.60 6985.90 +0.50 … Cash ‡ 285.70 … … …
Deposit Pen 307.80 324.00 +0.10 … Managed 3608.00 3608.00 +23.00 … Property Fund 3394.50 3573.20 +260.40 … Cash Inv Pens ‡ 532.70 … -0.10 …
Deposit 355.20 373.90 … … Intl Life 948.00 997.80 +34.60 … Income 3128.50 3293.10 +45.60 … Cautious Mgd 252.90 252.90 +3.60 … Technology +163.70 Cash Pens ‡ 146.40 … -0.10 …
Financial Ser 1 244.30 257.20 +8.50 … Intl Pen 1302.30 1370.80 +50.70 … Managed Inv 1879.00 1977.80 +11.80 … Deposit 150.50 150.50 … … UK Mid Cap Equity ‡ 1403.90 … -0.30 …
Fixed Interest 656.00 690.50 +1.40 … Mgd Life 783.20 824.40 +10.30 … Equity 254.30 254.30 … Equity Inv Pens 8662.50 9118.40 +171.80 …
Managed 2098.70 2209.20 +35.60 … Mgd Pen 1164.70 1226.00 +18.90 … Life Funds-Series Two-Current Series Equity Inc 285.10 285.10 +8.20 … Henderson Investment Bonds Equity Pens Cap 2246.60 2364.90 +43.10 …
Mngd Growth 771.50 812.10 +22.40 … UK Eqty Life 793.50 835.20 +20.80 … European 321.20 321.20 +9.70 … Fxd Int ‡ 1003.90 … -7.20 …
Property 903.60 951.10 +0.40 … UK Eqty Pen 1027.00 1081.00 +32.60 … American 3243.90 3414.60 +66.70 … Eurotech 90.10 90.10 +14.60 … Deposit Fund 368.70 388.20 … … Fxd Int Inv Pens ‡ 2451.20 … -12.30 …
TSB Intl 1487.10 1565.30 +44.50 … Balanced 2368.90 2493.60 +50.00 … Far East 416.40 416.40 -0.20 … European Fund 1230.30 1295.10 +45.70 … Fxd Int Pens Cap ‡ 677.60 … -3.30 …
Cash 412.00 433.70 … Fixed Int 216.50 216.50 +7.60 … Far East Fund 2096.20 2206.60 +23.10 … Idx Lk Inv Pens ‡ 1479.60 … …
CWA Series Funds 0870 600 0014 European Gth 805.90 848.30 … … FTSE All Share Tkr 275.70 275.70 +0.60 … Fixed Interest … Idx Lk Pens Cap ‡ 408.40 … … …
Fixed Interest 811.80 854.50 +20.90 … Income Dist I 113.60 113.60 +6.30 … Global Managed 59.10 62.30 -0.50 … Key ‡ … -0.40 …
AEGON SCOTTISH EQUITABLE Equity Fd 1701.10 1790.60 +27.40 … German Growth 1443.30 1519.30 -10.10 … Income Dist II 113.50 113.50 +2.20 … North America 1512.70 1592.40 +20.90 … Managed … 1376.90 +7.10 …
08456 100010 Glob Cash 362.60 381.70 … … Income 2894.30 3046.60 +83.10 … International 299.60 299.60 +2.10 … UK Equity Fd 1638.20 1724.50 +51.20 … Mngd Inv Pens 1308.00 3736.70 +19.90 …
Edinburgh Park, Edinburgh EH12 9SE Glob Eqty 3326.50 3501.60 … Japan Growth 304.80 320.90 +42.10 … Japan Grth 193.60 193.60 +9.60 … 906.10 953.80 +16.80 Mngd Pens Cap 3549.90 969.90 +56.90 …
Glob Fxd Int 1392.00 1465.30 +73.50 … Managed Inv 2040.80 2148.20 +4.50 … Managed 272.50 272.50 +4.10 … Pacemaker ‡ 921.40 … +14.10 …
American 2095.10 2205.37 +36.17 … Glob Mgd 2346.90 2470.40 -9.50 … Pacific Basin 1410.70 1484.90 +12.90 … North America 469.90 469.90 +5.30 … SCOTTISH WIDOWS GROUP +13.90
Cash 276.19 290.73 … … Glob Prop 951.90 1002.00 … Property 1842.90 1939.80 +11.60 … Pacific Grth 666.90 666.90 +17.30 … PO Box 902, Edinburgh EH16 5BU …
Distribution 96.00 101.05 … Managed Fd 2932.80 3087.20 +16.90 … Smllr Cos Recov 4904.30 5162.40 +5.40 … Property 411.20 411.20 +10.70 …
Ethical 653.33 687.72 +1.10 … Property Fd 782.60 823.80 +1.70 … Worldwide Gth 1972.00 2075.80 +164.70 … UK Leader 261.70 261.70 +0.20 … Cash Fund 359.90 378.90 … … ZURICH ASSURANCE LTD
European 1211.18 1274.92 +34.98 … +21.10 +38.00 UK Smlr Cos 305.90 305.90 +4.00 … Equity Fund 2268.50 2387.90 +48.00 … 0845 300 2332
Fixed Interest 507.68 534.40 +52.73 … +1.40 With Profits 153.07 153.07 +13.20 … Fixed Interest Fd 996.50 1048.90 -12.30 … UK Life Centre, Swindon SN1 1EL
Global 364.96 384.17 … +0.10 Indexed Stock Fd 715.30 752.90 -19.80 … Life Funds
International 1102.95 1161.00 -2.84 … FRIENDS PROVIDENT Pension Funds International Fd 2345.90 2469.40 +36.70 …
Japan 429.60 452.21 +7.82 … 01722 413366 Inv Cash 546.60 575.40 +0.10 … Equity 10290.00 10831.60 +315.00 …
Mixed 942.17 991.76 +22.64 … Castle Street, Salisbury, Wilts SP1 3SH American Pens Inv Pol 1 4979.50 4979.50 -89.40 … Managed (1) +19.40 …
Pacific 1594.46 1678.38 +8.93 … Cash Pen Inv Pol 2 4223.50 4445.70 -76.00 … Managed (2) +14.80 …
Technology 4669.68 4915.46 +13.15 … Cash 321.60 338.50 … … European Pen 1975.30 2079.30 +47.90 … Inv Pol 3 3495.30 3679.20 -63.20 … Managed (3) ‡ 1095.80 1153.50 +11.60 …
UK Equity 898.75 946.05 +6.46 … European 1418.10 1492.70 +51.90 … Far East Pen 309.90 326.20 … … Mixed Fund 1927.70 2029.10 +13.90 … Mangd Gen 4 +2.80 …
+202.79 Fixed Inter Life 708.10 745.40 … Fixed Int Pen 1479.20 1557.00 … Other Life & Pension Funds Property Fund 1114.90 1173.60 +3.60 … Property 832.60 876.50 …
+18.59 Index Linked 615.10 647.40 -0.20 … FTSE 100 603.90 635.70 +47.20 … Property (1) -1.30 …
Managed 1136.30 1196.10 -15.30 … Managed Pen 585.70 616.50 +6.10 … Pens Unit W Prof 239.68 252.30 +0.20 … Property (2) ‡ 645.00 … -0.30 …
North American 1178.60 1240.60 +12.20 … Property Pen 366.10 385.30 -9.30 … With Profits Bd 187.25 187.25 +0.12 … -0.30
Overseas Equity 1705.60 1795.40 +26.30 … UK Equity Pen 989.40 1041.50 +5.20 … 156.80 165.10
Pacific Basin 565.90 595.70 +44.20 … 1147.80 1208.20 +13.80 …
Property 769.30 809.80 +3.20 … 738.40 777.30 +3.80 … 2204.10 2320.10
Stewardship 1678.60 1766.90 +0.80 … +15.60
ALBA LIFE UK Equity 1693.00 1782.10 +41.10 … Pensions Solution Funds (Post 6/4/2001) 463.30 487.70
50 Bothwell St, Glasgow G2 6HR +26.30
0141 248 2000 500.60 …
Formerly Britannia
LONDON LIFE Balanced Grth 284.80 284.80 +5.00 … SKANDIA LIFE ASSURANCE CO LTD Pension 1555.90 1637.80 +35.00 …
Life 0117 984 7777 Cash Deposit 159.70 159.70 … … 01703 334411 …
Spectrum, Bond Street, Bristol, BS1 3AL Equity 259.60 259.60 … Skandia House, Portland Terrace Managed (1) …
European 1454.90 1531.50 +54.00 … Equity Inc 292.60 292.60 +9.60 … Southampton SO9 7BX Equity Acc 28697.80 30208.20 +1044.40 …
Far East 625.00 657.90 +6.90 … European 373.80 373.80 +11.20 … Managed Acc …
Fixed Interest 841.10 885.40 -5.80 … Formerly London & Manchester Assurance Eurotech 173.80 173.80 +19.40 … Balanced Acc 947.70 997.50 +4.90 … Property (1) 16780.50 17663.70 +367.40 …
International 1352.60 1423.80 +34.80 … Far East 506.70 506.70 +4.40 … Equity Acc 2024.30 2130.90 +66.70 … Property (2) ‡ …
Japan 663.60 698.60 +10.20 … Equity Ex Cap ‡ … … +4.90 … Deposit 506.60 506.60 … … Fixed Int 249.90 249.90 +10.70 … Global Acc 812.50 855.20 … Property Acc 859.20 904.40 +0.50 …
Managed Fund 1459.10 1535.90 +19.90 … … Deposit A 290.70 306.00 … … FTSE All Share Tkr 307.80 307.80 +0.80 … Property 580.30 610.80 -1.20 … With Profs (5) ‡
Money Market 399.70 420.70 … Equity Life ‡ … … +27.70 … Deposit P 648.70 648.70 +0.50 … Index Linked 317.70 317.70 +7.50 … +0.40 With Profs (6) ‡ 906.40 … +0.70
North America 1393.30 1466.60 … … … Equity 3944.60 3944.60 +108.50 … International 361.40 361.40 …
Property 1148.30 1208.70 +43.50 … Fixed Interest ‡ … … -0.40 … Equity A 877.90 924.20 +24.10 … Managed Grth 299.90 299.90 -2.90 … 10223.10 10761.20 +5.90
UK Equity 2496.50 2627.90 +0.70 … … Equity P 3440.20 3440.20 +116.90 … Pens Protector 277.60 277.60 +13.70 …
+66.20 Fxd Int Ex Cap ‡ … … -0.20 … Fixed Int A 519.50 546.90 +2.10 … Property 547.50 547.50 +7.20 … 236.00 … +0.10
… Fixed Int P 1920.00 1920.00 +10.00 … UK Leader 281.90 281.90 +1.70 …
Gtd Dep Ex Cap ‡ … … -0.10 … Fixed Interest 1220.50 1220.50 +4.90 … Unitised W Prof 201.80 201.80 +0.30 … STANDARD LIFE ASSURANCE CO 207.30 … +0.10
… Index Stock A 615.90 648.40 +4.30 … +5.30 Standard Life House, 30 Lothian Road,
Guaranteed Deposit ‡ … … … Index Stock P 1106.50 1106.50 +10.50 … +0.19 Edinburgh EH1 2DH 0131 225 2552 Share Class 1 - Retail
Indexed Stock 819.90 819.90 +5.80 …
Inter Life ‡ … … +43.20 International 1403.40 1403.40 +45.00 … Managed (2) ‡ 806.70 … +18.30 …
International A 841.20 885.50 +27.00 …
Intl Ex Cap ‡ … … +7.90 International P 1849.90 1849.90 +72.00 … Cash ‡ 435.50 …… …
Mixed 2340.20 2340.20 +51.00 … Equity ‡ 4411.80 … +121.80 …
Pensions Prop Ex Cap ‡ ……… Mixed A 737.90 776.80 +16.10 … European ‡ 913.70 … +38.60 … British funds
Mixed P 2339.40 2339.40 +59.00 … Far East ‡ 532.70 … +6.50 …
Equity Prop Life ‡ … … +0.60 Property 774.90 774.90 +0.10 … Fixed Interest ‡ 1072.60 … -8.20 …
European Property A 332.70 350.30 … … Index Linked ‡ 705.30 … -24.00 …
Far Eastern 1749.90 1842.00 +46.40 … FP Life Assurance ex NM Property P 595.80 595.80 +0.60 … PRUDENTIAL INDIVIDUAL LIFE FUNDS International ‡ 2763.30 … +66.30 … Stock Price Wkly Int Yld Grs rd
Fixed Interest 1813.90 1909.40 +75.40 … 0345 601601 Managed ‡ 3029.10 … +46.10 … +/– % yld
International 508.40 535.20 +6.20 … American 3169.40 3336.20 +70.70 … 55 King's Road, Reading, RG1 3AH Nth American ‡ 1068.90 … +24.00 … Outstanding(£) Stock (£)
Japan 873.80 919.80 … Deposit 539.10 567.50 -0.10 … Property ‡ 988.10 … +0.30 …
Managed 1164.00 1225.30 -7.50 … European 3462.70 3644.90 … Euro Fund ‡ … … +54.20 … Index-linked
Money Market 326.70 343.90 +36.00 … Fixed Interest 1479.80 1557.70 +124.80 … N American Fd ‡ … … +60.30 …
North America 1028.30 1082.40 +5.10 … Income Acc 3833.90 4035.70 -0.50 … Strategic Fund 644.30 678.20 -11.00 … 108.78 102.69 Tr IL 1Y% 22 102.69 – .04 1.88 –6.15
Property 471.70 496.50 +15.50 … Income Dist 680.50 716.30 …
2054.70 2162.80 … International 1692.10 1781.10 +77.80 … 379.62 358.44 Tr IL 2K% 24 * 376.45 + .96 1.44 –2.39
1041.40 1096.20 … … Managed 2543.80 2677.70 +14.20 …
+74.90 Mixed 1776.00 1869.50 +43.90 … 111.98 105.29 Tr IL 0V% 24 105.50 + .14 … –3.08
+0.70 Property 2169.60 2283.80 +27.10 …
Singapore & Mal 1266.20 1332.80 -17.90 … Pensions (Series 4) 120.56 106.89 Tr IL 0V% 26 107.72 + .34 … –1.90
Tokyo Fund 1096.40 1154.10 +2.20 …
UK Equity 2344.60 2468.00 +0.70 … Scottish Amicable Life Fds (First Series) 135.63 115.22 Tr IL 1N% 27 116.78 + .48 1.17 –1.74
+17.30
+36.20 Cash ‡ 133.40 …… … 130.64 109.59 Tr IL 0V% 28 111.50 + .50 … –1.67
Equity ‡ 238.60 … +4.60 …
Cash Fund ‡ ……… … European ‡ 270.20 … +10.60 … 132.52 110.13 Tr IL 0V% 29 112.06 + .55 … –1.58
Equity Fund ‡ … … +187.70 … Far East ‡ 280.10 … +3.60 …
AXA SUN LIFE Fixed Interest ‡ … … -12.50 … Fixed Interest ‡ 236.20 … -1.80 … 141.65 113.53 Tr IL 0V% 31 116.80 + .73 … –1.59
PO Box 1810, Bristol BS99 5SN Intl Fund ‡ … … +62.50 … Index Linked ‡ 270.30 … -10.40 …
AXA Assurance - 02476 235500 MERCHANT INVESTORS ASSURANCE CO LTD Managed Fund ‡ … … +51.10 … International ‡ 342.50 … +9.90 … 402.06 352.13 Tr IL 4V% 30 * 364.13 + 1.84 1.77 –1.43
Sun Life - 0117 989 3000 St Bartholomews House, Lewins Mead Property Fund ‡ … … +5.00 … Managed ‡ 278.10 … +4.60 …
AXA Equity & Law - 02476 235400 Bristol BS1 2NH Nth American ‡ 405.40 … +10.30 … 161.90 126.53 Tr IL 1N% 32 129.52 + .80 0.97 –1.40
Life Assnce - AXA Equity & Law Series 6. 1% AMC Property ‡ 314.40 … +0.10 …
Stock Exchange ‡ 348.10 … +8.60 … 160.29 122.23 Tr IL 0O% 34 125.01 + .75 … –1.24

324.74 263.85 Tr IL 2% 35 * 273.46 + 1.51 0.89 –1.12

Far East 761.30 801.40 +18.90 … 161.43 115.78 Tr IL 0V% 36 119.21 + .73 … –1.11
Gilt Edged 1488.20 1566.50 +6.30 …
Friends Prov (London & Manchester) Ass Ltd Fd Interest Fund 560.30 589.80 … 186.89 132.63 Tr IL 1V% 37 136.67 + .80 0.87 –1.07
Intl Equity 2045.40 2153.10 … …
Managed Fd 1256.70 1322.80 +74.30 … 169.23 115.08 Tr IL 0V% 39 119.21 + .70 … –0.94
North American 793.60 835.40 +16.50 …
Balced Ser 6 2629.40 2767.70 +45.60 … Capital Gth Acc ‡ … … +10.90 … Property 1492.90 1571.50 +29.90 … PRUDENTIAL LIFE FUNDS 186.19 124.96 Tr IL 0X% 40 129.53 + .76 … –0.91
Distribution Ser 6 99.80 105.00 +1.00 … Flexible Acc ‡ … … +17.50 … UK Equity 1031.70 1086.00 … 01786 448844
Europe Ser 6 1971.20 +70.40 … Flexible Cap ‡ … … +3.00 … -3.30 PO Box 14962, Craigforth, Stirling, FK9 4ZD 180.53 116.40 Tr IL 0V% 41 121.31 + .81 … –0.90
Higher Inc Ser 6 1872.60 5071.00 +100.80 … Inv Trust Acc ‡ … … +123.70 … +27.40 Others
Property Ser 6 4817.50 1989.30 +1.20 … Inv Trust Cap ‡ … … +22.00 … 199.86 127.59 Tr IL 0X% 42 133.11 + .92 0.47 –0.86
UK Equities Ser 6 1889.80 4025.10 +97.50 … Moneymaker Acc ‡ … … +3.00 …
3823.80 188.86 115.79 Tr IL 0V% 44 121.37 + .88 … –0.78

196.96 116.17 Tr IL 0V% 46 122.37 + 1.10 … –0.74

BonusBond 240.70 253.40 +5.70 … SUN LIFE OF CANADA 229.64 133.62 Tr IL 0O% 47 140.74 + 1.20 0.54 –0.71
Cap Gteed Bd 390.40 410.90 +1.20 … Basingview, Basingstoke, Hants RG21 2DZ
Prud Inher Bd (Cap) ‡ +0.20 … Dealing: 01256 841414 209.00 116.63 Tr IL 0V% 48 123.70 + 1.24 … –0.70
Prud Inher Bd (Inc) ‡ … … +0.20 …
… … 232.71 128.03 Tr IL 0K% 50 135.99 + 1.38 … –0.68

MGM ASSURANCE 231.36 121.04 Tr IL 0N% 52 129.41 + 1.47 … –0.65
MGM House, Heene Road, Worthing
Life Funds - Sun Life (inc Birmingham Midshires)& AXA Assurance 1% AMC GUARDIAN BN11 2DY 01903 836000 Equity Account 7176.60 7176.60 +245.70 … 306.14 158.17 Tr IL 1N% 55 169.26 + 1.85 0.81 –0.62
01253 733151 Equity Fund Acc 2714.50 2857.30 +92.70 …
Ballam Rd, Lytham St Annes, Lancashire FY8 4JZ Equity II 6342.70 6676.50 +215.50 … 248.27 117.90 Tr IL 0V% 56 127.78 + 1.60 … –0.60
Fixed Int Fd Acc 842.20 886.50 +3.70 …
Cash Acc 469.00 493.70 -0.10 … Growth Acc 8518.70 8518.70 +291.60 … 256.47 118.46 Tr IL 0V% 58 128.82 + 1.65 … –0.60
Deffrd Dist 723.40 761.50 +6.90 … Indx-Lnkd Scs Acc 660.90 695.60 …
Distribution Fund 366.10 385.30 +3.50 … Scottish Amicable Life Fds (First Series) Managed Account ‡ -4.00 … 297.03 129.80 Tr IL 0W% 62 142.03 + 1.82 … –0.57
Equity Acc 5592.10 5886.40 +142.60 … Managed IV … … +93.60 …
European 884.40 930.90 +33.30 … Deposit 433.80 456.60 … … Deposit 114.48 120.50 -0.08 … Cash 371.30 390.90 -0.10 … Mngd Fund Acc 3908.40 4114.10 +84.70 … 309.47 122.90 Tr IL 0V% 65 136.11 + 2.10 … –0.60
Far Eastern Acc 2221.10 2338.00 +12.50 … Equity Life 4434.80 4668.20 +149.10 … Deposit Acc 369.23 388.66 +0.04 … Equity 2398.80 2525.00 +73.20 … Money Fund Acc 1700.90 1790.40 +37.10 …
Fixed Int Acc 991.10 1043.30 -3.70 … European 674.90 710.40 +23.00 … Fixed Interest 387.54 407.93 -3.32 … Fixed Interest 976.60 1028.00 … Pens Equity 337.60 355.30 … 335.00 126.07 Tr IL 0V% 68 140.38 + 2.23 … –0.64
Global Eqty Acc 2473.90 2604.10 +62.70 … Fixed Interest 1767.60 1860.60 … Fixed Interest Acc 1174.59 1236.41 +0.18 … Index-Linked 652.90 687.20 -9.10 … Pens Fixed Int 1771.80 1865.00 … …
Japan Acc 356.10 374.90 +5.70 … Index Linked 667.80 702.90 -0.10 … Managed 483.36 508.80 -9.19 … International 1891.50 1991.00 -17.80 … Pens Guarantee 1082.60 1139.50 +75.00 … 395.45 135.60 Tr IL 0V% 73 152.71 + 2.79 … –0.73
Managed Acc 3222.10 3391.70 +55.80 … Inter Life 2697.00 2838.90 … … Managed Acc 1557.35 1639.31 +32.69 … Managed 1980.80 2085.10 +44.70 … Pens Indx-Lnkd 1463.90 1540.90 +4.70 …
North Amer Acc 2979.20 3136.00 +71.70 … Managed Life 2679.80 2820.80 … Property 250.17 263.34 -0.42 … Property 1284.70 1352.30 +31.30 … Pens Intl 840.70 884.90 +1.30 … Longs (Over 15 years)
Pacific Acc 1689.50 1778.50 +1.60 … North American 1385.80 1458.70 +91.90 … Property Acc 988.97 1041.02 +1.18 … +5.00 Pens Mngd Acct 1277.10 1344.30 …
Property Acc 1442.40 1518.40 +0.90 … Pacific 836.70 880.70 +60.30 … Pens Money 4424.80 4657.60 -5.20 … 147.98 115.86 Tr 4N% 36 122.03 + 1.12 3.48 2.35
Prop Life 1018.10 1071.70 +47.20 … Pens Property 431.50 454.20 +44.10 …
+28.50 Pers Pens Acct ‡ 2053.70 2161.70 +117.20 … 113.52 86.09 Tr 1O% 37 91.44 + .96 … 2.43
+22.90 Prop Fund Acc …
… … … 163.31 124.62 Tr 4O% 38 131.32 + 1.29 3.62 2.42
1609.10 1693.70 -0.20
+252.80 103.54 76.76 Tr 1V% 39 81.94 + .96 … 2.46
-0.20
156.78 118.42 Tr 4N% 39 124.94 + 1.21 3.40 2.46

The M & G Series 159.73 119.18 Tr 4N% 40 125.92 + 1.24 … 2.48

NAT WEST LIFE ASSCE LTD Amer Bond Acc 106.42 75.70 Tr 1N% 41 81.24 + .98 … 2.48
PO Box 886, Trinity Quay, Bristol BS99 5LJ Deposit Bond Acc ‡
Equity Bond Acc 1351.10 1418.80 -21.40 … 147.71 105.26 Tr 3N% 44 112.12 + 1.14 … 2.52
Euro Smlr Cos … … … …
HALIFAX LIFE LTD European Bd Acc … 169.96 124.40 Tr 4K% 42 131.68 + 1.33 3.42 2.50
PO Box 285, York YO1 1YB 01904 611110 Extra Yld Bd Acc 4924.60 5170.90 +150.60 …
Life Funds Growth Mgd Pens 557.96 587.32 +9.47 … Gbl Basics Bd Acc 209.30 219.90 -21.90 … 154.93 109.55 Tr 3K% 45 116.72 + 1.22 … 2.52
Gilt Bond Acc ‡ 1852.80 1945.50 +68.60 …
High Yield Bond 4274.80 4488.60 +56.10 … 175.82 123.45 Tr 4N% 46 131.29 + 1.41 3.24 2.52
Index-Lnkd Gt Bd 1161.30 1219.40 +16.90 …
BARCLAYS LIFE ASSURANCE CO LTD International Bd -10.00 … 99.79 65.65 Tr 0Y% 46 71.49 + .98 … 2.48
0845 603 5000 Japan Bond Acc … … +3.00 …
Level 12, 1 Churchill Place, London E14 5HP Balanced 97.42 102.55 +0.70 … NORWICH UNION LIFE INSURANCE Japan Sm Cos Acc 458.50 481.60 -6.10 … 114.76 75.34 Tr 1K% 47 81.58 + 1.08 … 2.49
Deposit 36.08 37.98 … … SOCIETY - Ex NUAM Funds Managed Bond Acc 375.60 394.40 …
Foundation 101.36 106.70 … PO Box 140, Norwich NR3 1PP Prop Bond Acc 5475.60 5749.40 +172.10 … 122.26 79.28 Tr 1O% 49 86.26 + 1.15 … 2.46
Opportunity 115.12 121.18 +0.58 … 01603 622200 Rec Bond Acc ‡ 446.30 468.70 +8.90 …
+1.73 S East Asia Bd Acc 235.80 247.70 -3.80 … 185.65 125.75 Tr 4N% 49 134.66 + 1.53 3.16 2.49
3599.30 3779.30 +57.00 …
500 Accum 1392.03 1465.29 +22.73 … 1802.60 1892.80 +7.00 … 95.59 57.26 Tr 0X% 50 63.42 + 1.03 … 2.42
America Acc 2752.64 2897.52 +90.42 … +83.90
Comb Inc Acc 2647.30 2786.63 +38.65 … … … -20.40 220.50 116.68 Tr 0V% 51 124.53 + 1.33 … –0.65
Equity Acc 3721.76 3917.64 +61.93 … 1300.20 1365.30
Far East Gwth 1247.94 1313.63 +23.00 … Deposit Fund 604.88 636.71 +0.08 … TESCO PERSONAL FINANCIAL LIFE LTD 111.21 68.51 Tr 1N% 51 75.28 + 1.14 … 2.44
Gilt 2 Init 237.36 249.85 … Eqity Fund 15149.32 15946.65 +239.39 … 0845 845 5555
Gilt Edged Acc 938.64 988.05 -2.46 … Fixed Int Fd 1770.72 1863.91 … PO Box 23042, Edinburgh EH3 8YG 180.27 118.31 Tr 3O% 52 127.41 + 1.61 … 2.45
Inter 2 Init 472.69 497.57 -9.07 … Higher Inc Plus -24.61 …
International Acc 1867.99 1966.31 +11.44 … Pension Funds Intl Fund 218.42 229.92 +1.97 … 120.44 72.83 Tr 1K% 53 79.72 + 1.25 … 2.44
Japan Acc 429.89 452.52 +46.43 … Managed Fund 1246.93 1312.56 +31.09 …
Managed 2 Init 555.21 584.44 +7.46 … Balanced S2 99.28 104.50 +0.95 … Property Fd 6245.23 6573.93 +91.34 … 124.61 74.80 Tr 1X% 54 82.17 + 1.31 … 2.43
Managed Acc 2186.67 2301.76 +7.73 … Deposit S2 41.68 43.87 … … 2728.75 2872.37 +0.98
Managed Alpha 1591.37 1675.13 +31.92 … Foundation S2 100.82 106.12 … Balanced Growth 284.70 284.70 +4.80 … 205.69 131.08 Tr 4N% 55 141.96 + 1.89 2.99 2.41
Money Acc 429.32 451.92 +25.98 … Opportunity S2 114.45 120.48 +0.82 … Intl Growth 424.70 424.70 +16.30 …
Prop 2 Init 281.75 296.58 -0.07 … +2.20 UK Growth 266.10 266.10 +4.80 … 132.79 76.71 Tr 1O% 57 85.35 + 1.31 … 2.37
Property Acc 1107.26 1165.54 -0.07 …
UK Growth Acc 1175.10 1236.95 +0.45 … 213.01 128.74 Tr 4% 60 141.04 + 1.84 … 2.35
Univ Tech Acc 815.39 858.31 +19.48 …
+20.27 96.16 46.70 Tr 0K% 61 54.04 + 1.03 … 2.28

173.16 94.54 Tr 2K% 65 105.36 + 1.64 … 2.30

219.03 120.46 Tr 3K% 68 133.57 + 1.99 … 2.31

INVESCO FUNDS MGMT LTD Formerly Commercial Union WINDSOR LIFE ASSUR CO LTD 149.85 71.56 Tr 1X% 71 81.26 + 1.44 … 2.26
Alban Gate, 14th Flr, 125 London Wall, Lond 01952 292929
EC2Y 5AS 020 7710 4567 Cash 307.40 323.60 … … Windsor House, Telford, Shropshire Mediums (5-15 years)
Formerly GT Global Fund Mgmt Ltd Fxd Int 562.20 591.80 -7.90 … Formerly AEtna
Index-Lnkd 613.20 645.50 -23.30 … PRUDENTIAL PENSION FUNDS 101.41 98.42 Tr 0O% 23 98.80 + .14 … 1.98
Int Equity 1375.90 1448.30 +34.20 … Scottish Amicable Non Series A 1982 Series … 2.00
Managed 1429.30 1504.50 +20.80 … 104.63 99.88 Tr 2N% 23 100.28 + .15 … 2.03
Property 929.90 978.90 +0.20 … … 1.83
Plan Far East 554.30 583.40 … … UK Equity 1842.20 1939.10 +28.90 … 100.00 96.51 Tr 0V% 24 97.18 + .21 … 1.83
Plan Wwide 924.50 973.20 -0.10 … Var Ann (5) ‡ -4.70 … 4.62 1.80
Var Ann Acc (5) ‡ … … -119.20 … 100% Safeguard 155.80 164.00 … … Cash Deposit 327.20 344.40 -0.10 … 102.49 97.70 Tr 1% 24 98.59 + .23 … 1.71
… … 95% Safeguard 171.90 180.90 +1.80 … Far East Equity 1642.00 1728.50 +30.20 … … 1.76
Fixed 736.50 775.30 +1.70 … 108.14 100.80 Tr 2O% 24 101.90 + .27 … 1.69
Index-Linked Fd 690.90 727.30 … … 1.74
LEGAL & GENERAL INVESTMENT MGMT Managed 1468.20 1545.40 -5.00 … 117.41 106.82 Tr 5% 25 108.14 + .33 … 1.70
0203 1243000 N Amer Equity 2338.60 2461.70 +33.10 … 3.78 1.81
One Coleman Street, EC2R 5AA SAVE & PROSPER INSURANCE AND PENSIONS Property 612.00 644.20 +82.70 … 101.82 95.28 Tr 0X% 25 96.97 + .37 … 1.70
St James's House, 27-43 Eastern Rd, Romford Special Opp 2008.00 2113.70 +0.20 … … 1.69
RM1 3NH UK Equity 1548.30 1629.80 +96.50 … 107.50 98.95 Tr 2% 25 100.71 + .40 4.78 1.74
Customer Helpline: 0845 3000144 +50.30 … 1.80
& AXA Assurance 1% AM 99.56 92.58 Tr 0V% 26 94.70 + .46 … 1.77
… 1.82
B Soc Lnkd Init 136.20 143.40 … … 106.30 96.86 Tr 1K% 26 99.10 + .52 3.86 1.78
Brit Opps Int 221.20 232.80 -3.70 … … 1.92
Equity 2 Init 939.22 988.65 +15.01 … British Opp 757.40 797.30 +26.40 … 105.60 94.92 Tr 1N% 27 97.87 + .57 … 2.00
Building Soc Linked 283.40 298.30 … 3.52 1.94
Cash 437.80 460.90 … … Formerly General Accident 124.68 109.49 Tr 4N% 27 112.42 + .64 … 2.10
Cash Initial 119.10 125.40 … … 3.62 2.20
Equity 4575.20 4816.00 -0.30 … American 1450.70 1527.10 +48.80 … Bal Inv Fund 348.90 367.30 +4.60 … 98.46 88.26 Tr 0V% 28 91.73 + .59 … 2.35
Equity Initial 1073.10 1129.60 +116.80 … Cash Deposit 260.50 274.20 … … Deposit Fund (2) 641.10 674.80 +0.10 …
CANADA LIFE Fixed Initial 463.80 488.20 -14.50 … Conv Life 431.60 454.20 … … Gilt Fund 1497.10 1575.90 -12.90 … 108.94 95.72 Tr 1X% 28 99.59 + .69
01707 651122 Fixed Interest 1487.00 1565.30 +3.70 … European 1029.90 1084.10 … Global Equity Fd 1569.20 1651.80 +49.50 …
2-6 High Street, Potters Bar, Herts EN6 5BA Index Linked Gilt 714.80 752.50 +2.30 … Fixed Int 472.20 497.00 +24.70 … Property Fund (46) 344.00 362.10 … 140.50 121.38 Tr 6% 28 125.54 + .75
Index Lkd 270.30 284.50 -5.70 … Index-Linked 595.30 626.70 -6.60 … …
International 2342.40 2465.70 +0.60 … International 860.10 905.40 -22.60 … Formerly AEGON Life 99.77 88.01 Tr 0K% 29 92.02 + .61
Intl Initial 537.00 565.30 +90.70 … Japan 392.90 413.60 …
Life Property 1663.50 1751.00 -6.40 … Japan Smllr Cos 401.90 423.10 +29.70 … Balanced 2047.30 2166.50 +46.00 … 103.32 89.57 Tr 0Y% 29 93.91 + .69
Managed 3030.30 3189.80 +0.60 … Managed 722.30 760.40 +6.00 … Fixed Interest 683.00 722.80 +1.60 …
Cash 320.20 337.00 -0.10 … Managed Initial 770.70 811.30 +61.20 … Pacific Fund 994.60 1047.00 +6.10 … International 2345.60 2482.10 +76.60 … 98.50 84.16 Tr 0W% 30 88.96 + .72
CLife Euro Mgd 1684.00 1772.00 -44.00 … Property Initial 349.80 368.20 -3.70 … Property 675.20 710.70 +10.50 … Money 394.60 417.50 …
CLife Intl Fd 1662.00 1749.00 -16.00 … -0.60 UK Equity 1054.60 1110.20 +18.50 … Property 1541.70 1631.40 … … 138.58 117.27 Tr 4O% 30 123.00 + .84
Deposit Fund 514.90 542.00 … Unitised Profit 403.00 424.20 +0.20 … UK Equity 2561.70 2710.80 +0.60 …
Equity 1174.00 1235.00 … … +16.50 SCOTTISH LIFE INVESTMENTS +83.10 96.58 81.09 Tr 0N% 31 86.23 + .76
Equity Fund 2889.00 3041.00 -17.00 … +0.20 0131 225 2211
European 1673.00 1761.00 +85.00 … 19 St Andrews Square, Edinburgh EH2 1YE 102.46 85.93 Tr 1% 32 91.38 + .80
Fixed Interest 1090.00 1147.00 +77.00 …
Gilt & Fxd Int 631.20 664.40 -11.00 … 138.01 114.06 Tr 4N% 32 120.69 + .94
Gilt Edged Fd 1335.00 1405.00 +5.30 …
International 2550.00 2684.00 -13.00 … 101.40 82.51 Tr 0Y% 33 87.99 + .89
Intl Mgd 3437.00 3617.00 +93.00 …
Investment Fd 1466.00 1539.00 +126.00 … American 1762.60 1855.40 +63.80 … 147.21 117.75 Tr 4K% 34 124.39 + 1.17
Japanese 362.10 381.10 -25.00 … Deposit 310.70 327.10 +0.10 …
Managed 1291.00 1358.00 +7.90 … European 2557.50 2692.20 +96.80 … 97.55 75.70 Tr 0X% 35 80.76 + .99
Managed Fund 2675.00 2815.00 -9.00 … Fixed Interest 736.40 775.20 +8.60 …
ML Intl Fxd Int 697.00 733.60 +61.00 … Global Mgd 1398.80 1472.50 +48.20 … Formerly Crown Shorts (under 5 years)
Money 530.10 557.90 -0.30 … Index Linked 773.60 814.40 +5.90 …
Multiple Inv 3392.00 3570.00 … Formerly Provident Mutual Managed 1327.70 1397.60 +14.40 … Life Equity Acc 3897.20 4102.30 +126.60 … 117.13 108.58 Tr 3O% 21 115.83 – .08 … 1.24
North Amer 2286.00 2406.00 … … Pacific 1116.60 1175.40 +22.80 … Life Fxd Int Acc 862.40 907.80 +2.00 … 142.92 135.65 Tr 8% 21 141.44 – .10 5.66 1.19
Property 1020.00 1073.00 +77.00 … LINCOLN FINANCIAL GROUP Deposit Initial 88.20 92.90 -0.10 … Pen Worldwide 494.80 520.90 +19.80 … Life High Inc Acc 3172.40 3339.30 +84.50 … 100.46 99.88 Tr 0K% 22 100.00 + … 0.50
Property Fund 2142.00 2254.00 +80.00 … Barnett Way, Barnwood, Gloucester GL4 3RZ Deposit Ord 320.60 337.50 … … Property 1102.60 1160.70 +2.20 … Life Intl Acc 2841.70 2991.30 +92.90 … 101.91 100.04 Tr 1O% 22 100.04 + … … 1.36
UK Equity 4392.00 4623.00 +2.00 … 01452 371371 For further prices 0800 7315139 Equity Init 746.00 785.30 … UK Equity 1630.80 1716.70 +51.10 … Life Inv Tst Acc 3589.20 3778.10 +80.70 … 100.12 98.87 Tr 0V% 23 99.27 + .07 … 1.53
UK Property 1534.00 1614.00 … Life Equity Ord 2750.70 2895.50 +11.20 … Worldwide 430.30 453.00 +15.10 … Life Managed Acc 2597.50 2734.20 +58.30 … 100.26 94.49 Tr 0N% 25 95.96 + .37 … 1.90
-1.00 Fixed Int Init 196.60 206.90 +43.20 … Life Money Acc 471.50 496.30 -0.10 … 100.41 91.79 Tr 0W% 26 94.25 + .53 … 1.79
+129.00 Fixed Int Ord 712.20 749.60 … Life Property Acc 905.50 953.20 +0.30 … …
I-Linked Gilt Init 224.90 236.70 -2.80 …
… Aggressive Mgd 4 719.00 756.80 -2.20 … I-Linked Gilt Ord 748.30 787.70 -9.90 … Life Funds * maturities as having a 3-month indexation lag and
Balanced Mgd 3 1645.50 1732.10 +35.30 … Managed Initial 466.50 491.00 -8.70 … which trade on a real clean price basis, excluding
Cautious Mgd 2 490.90 516.70 … Managed Ord 1701.60 1791.20 -28.40 … Bear inflation adjustment charge
European 771.40 811.90 -1.90 … Oseas Equity Init 464.40 488.90 +6.50 … Bull
Far Eastern 1752.50 1844.70 +28.90 … +24.80 SCOTTISH MUTUAL ASSURANCE Deposit 65.60 69.05 +0.95 … Data as shown is
Framlington 215.60 227.00 +20.60 … +11.20 0141 248 6321 Gilt Edged 74.98 78.93 +1.68 … for information
Green 607.80 639.70 +0.40 … 301 St Vincent Street, Glasgow G2 5HN Owl 21.76 22.90 … purposes only. No offer is made by
+23.30 40.69 42.83 … … Morningstar or this publication
Cash Fund 282.90 297.80 … … 88.32 92.97 +0.09 …
European Fund … +2.51
1938.70 2040.70 +72.60











the times | Saturday July 23 2022 73

Today Increasing amounts of cloud will bring spells of rain in the north and west. Max 26C (79F), min 12C (54F) Weather

Around Britain Five days ahead Wind speed Sea state Orkney Shetland Weather Eye
Unsettled with cloud 34 (mph) 15 Paul Simons
Key: b=bright, c=cloud, d=drizzle, pc=partly cloudy and rain in the north Temperature Calm 9 17
du=dull, f=fair, fg=fog, h=hail, m=mist, r=rain, and west but staying dry Slight It was 370 years ago that the
sh=showers, sl=sleet, sn=snow, s=sun, t=thunder further southeast 28 (degrees C) Moderate English admiral Robert Blake
*=previous day **=data not available Rough was stationed off Fair Isle
Tomorrow between Orkney and the
Temp C Rain mm Sun hr* 12 6 13 Shetland Islands, waiting to
Blustery with rather cloudy skies ambush a Dutch East Indies convoy
midday yesterday 24 hrs to 5pm yesterday and outbreaks of rain over Scotland, Flood alerts and warnings C of merchant ships returning home
northern England, Wales and Ireland, 35 around the coast of Scotland. But
Aberdeen 15 C 0.0 5.3 heavy and thundery in places. Dry, At 17:00 on Friday there were no flood 30 before Blake caught sight of the
PC 0.0 2.8 warm and sunny in the south. alerts or warnings in England, Wales 25 convoy, his fleet was spotted on July
Aberporth 17 0.0 0.5 Max 30C, min 9C or Scotland. 18 20 24, 1652, by a mighty Dutch force of
C 0.0 0.1 For further information and updates Aberdeen 15 82 warships and nine fireships
Anglesey 17 B 0.0 ** 21 in England visit flood-warning- 17 10 commanded by Admiral Maarten
PC 0.0 ** information.service.gov.uk, for Wales 19 Tromp. Blake was outgunned and as
Aviemore 16 C 0.2 2.6 22 naturalresources.wales/flooding and 5 Tromp prepared to attack, Blake
PC 1.2 ** 30 for Scotland SEPA.org.uk 0 had an amazing stroke of luck. A
Barnstaple 18 C 0.0 1.1 -5 F northwesterly gale blew up and
PC 0.0 ** 26 -10 95 Blake’s fleet took shelter in the
Bedford 21 C 4.4 0.1 -15 86 refuge of Bressay Sound in the
PC 0.0 6.1 Monday 77 Shetlands. In three days of severe
Belfast 17 PC 0.0 9.3 68 winds most of the English ships
PC 0.0 2.6 Mainly dry with sunny spells in 59 suffered damage, although none was
Birmingham 19 C 2.8 2.2 southeastern Britain, but a scattering NORTH 50 wrecked. However, the storm was
DU 1.0 4.4 of showers elsewhere across Britain SEA 41 calamitous for Tromp, his fleet was
Bournemouth 20 C 0.0 ** and Ireland. 32 scattered and many of the ships
C 0.0 ** Max 25C, min 7C Edinburgh 23 wrecked on the rocks around
Bridlington 16 PC 0.0 0.9 14 Sumburgh Head on the southern tip
B 0.0 4.5 20 of Shetland.
Bristol 22 DU 3.2 ** 15 5
C 0.0 5.5 19 Glasgow When the gale subsided on July
Camborne 18 PC 2.2 ** 25 27, both admirals agreed to sail
C 0.0 1.1 home. It was an unhappy return for
Cardiff 20 C 2.4 ** 24 21 Tromp, who arrived with less than
R 0.0 7.1 half of his fleet. Although more
Edinburgh 15 C 0.0 0.0 Tuesday ships made it back over the
** 0.0 0.0 following weeks, the losses were a
Eskdalemuir 14 DU 0.2 ** The risk of a few showers and sunny 18 18 severe blow and Tromp’s political
R 0.4 2.2 intervals over Scotland, Ireland, Wales enemies blamed him. He was also
Glasgow 16 PC 0.4 0.3 and northern and western England. Carlisle Newcastle blamed for failing to protect the
C 6.8 0.2 Mainly dry with sunny spells in 17 22 Dutch fishing fleet, which Blake had
Hereford 20 R 0.0 ** southern England. ATLANTIC Londonderry previously attacked. Tromp resigned
** 0.0 ** Max 23C, min 5C OCEAN 20 York his commission rather than be
Herstmonceux 23 PC 2.0 ** Belfast dismissed.
C 4.0 0.0 18 18 16
Ipswich 18 R 0.0 0.2 There had been another close
C 0.0 ** 17 escape for the English earlier. In
Isle of Man 16 B 0.0 ** 20 June 1652, a squadron of ten ships
B 0.0 ** led by George Ayscue had attacked
Isle of Wight 16 C 0.0 ** 23 Dutch merchant shipping in the
S 0.8 3.1 Channel and Tromp’s fleet sailed out
Jersey 22 R 7.4 0.1 Wednesday to get revenge. Tromp seemed
C 0.8 ** certain to pin down Ayscue’s ships
Keswick 16 C 0.0 0.9 Rather cloudy with the risk of a few on the Kent coast. Hopelessly
PC 0.0 ** showers in northern and eastern outnumbered, Ayscue took up a
Kinloss 17 C 0.0 0.0 England, Scotland and northwest defensive position in the Downs
C 2.4 7.0 Ireland. Dry with sunny spells anchorage, but in another stroke of
Leeds 13 DU 2.6 1.1 elsewhere. luck for the English, Tromp was
C 0.0 ** Max 23C, min 9C frustrated by calm weather followed
Lerwick 12 PC 5.4 0.8 Manchester Hull by a southerly wind that prevented
R 20 him from entering the Downs to
Leuchars ** Galway IRISH Liverpool 24 attack, and so Ayscue managed to
20 SEA escape certain defeat.
Lincoln 17 21 12

Liverpool 15 23 Dublin 19 Sheffield
Llandudno
London 21 Thursday

Lyneham 20 Dry, sunny and warm over England and
Wales. Areas of cloud in Scotland and
Manchester 14 Ireland will bring the risk of showers 22 Nottingham
at times.
Margate ** Max 26C, min 9C 17 Shrewsbury

Milford Haven 20 21 CELTIC Norwich
SEA
Newcastle 14 22 24 16
24
Nottingham 14 Birmingham Cambridge
25
Orkney 13 Cork
The Times weather Channel Islands
Oxford 21 page is provided Swansea Oxford 26
by Weatherquest 9 Cardiff
Plymouth 20

Portland 19 22

Scilly, St Mary’s 20 Bristol London

Shoreham 19

Shrewsbury 16 19
Exeter
Snowdonia 17 18 Southampton
Plymouth
Southend 20

South Uist 15 Brighton

Stornoway 14

Tiree 15 23

Whitehaven 14 CHANNEL 10

Wick 13 20

Yeovilton 18

The world General situation: Dry and sunny in and thundery in places. Some sunny first, then cloud increasing to bring a
southeastern England but increasing intervals at times. Light to moderate cloudy day with showery rain. Light to
All readings local midday yesterday amounts of cloud elsewhere over southwesterly wind, perhaps fresh moderate southerly wind. Maximum
Britain and Ireland bringing rain. near coastal areas. Maximum 20C (68F), minimum 12C (54F).
Alicante 31 S Madeira 24 PC Cen S Eng, E Mids, E Anglia, London, 22C (72F), minimum 14C (57F). E Eng, NE Eng, Edinburgh and Dundee,
Moray Firth, NE Scotland, N Isles:
Amsterdam 19 B Madrid 35 S SE Eng, Channel Is: A dry day with Aberdeen, Cen Highland, Glasgow,
sunny spells and areas of patchy cloud. Some areas of thicker cloud but it will
Athens 33 S Malaga 29 S Light increasing to moderate south or remain dry with sunny spells at times. Borders: Cloudy with a few spots of
southwesterly wind. Maximum Maximum 20C (68F), minimum rain at first, then turning dry with
Auckland 12 S Mallorca 33 S 26C (79F), minimum 16C (61F). 12C (52F). sunny spells for a time before cloud
Republic of Ireland, N Ireland, SW Eng, W Mids, NW Eng, Cen N Eng, Argyll, increases from the west to bring rain
Bahrain 37 S Malta 30 PC later. Light to moderate southerly
Wales, IoM: Mostly cloudy with Lake District, SW Scotland, wind. Maximum 22C (72F),
Bangkok 31 PC Melbourne 17 PC showery rain spreading, turning heavy minimum 12C (54F).
NW Scotland: Dry with sunny spells at
Barbados 30 SH Mexico City 26 PC

Barcelona 30 S Miami 32 PC

Beijing 31 S Milan 35 S

Beirut 30 PC Mombasa 27 PC

Belgrade 34 S Montreal 30 B

Berlin 24 PC Moscow 22 PC

Bermuda 30 PC Mumbai 30 S Tides Noon today

Bordeaux 25 B Munich 29 S

Brussels 21 S Nairobi 19 B Tidal predictions. 1008 LOW
Heights in metres
Bucharest 32 S Naples 31 PC

Budapest 35 S New Orleans 32 PC Today Ht Ht LOW
Aberdeen 10:16 3.4 3.4
Buenos Aires 19 S New York 31 S 03:20 10.2 23:02 10.0 HIGH 1008
Avonmouth 15:46 3.0
Cairo 31 S Nice 30 PC 20:26 9.3
15:29 4.4
Calcutta 33 S Nicosia 35 PC Belfast 07:45 3.0 14:25 5.5 HIGH
20:08 4.4 1016
Canberra 13 B Oslo 17 B Cardiff 03:03 9.5 19:52 4.0
Devonport 01:42 4.4 14:09 2.8
Cape Town 16 PC Paris 22 R Dover 07:47 5.3 21:02 3.4 1008 LOW
20:34 4.5 1016
Chicago 32 PC Perth 17 SH 19:54 6.0
15:07 4.5
Copenhagen 20 B Prague 28 S Dublin 07:04 4.5 00:02 7.4
20:23 6.1
Corfu 34 S Reykjavik 13 SH Falmouth 01:21 4.1 22:42 2.2 LOW 1016
Greenock 08:41 2.8 18:26 5.3 1008
Delhi 30 T Riga 29 S 15:07 7.3 1016 1016
20:36 5.4 LOW
Dubai 43 S Rio de Janeiro 25 PC 08:15 3.3 20:13 5.4 1024 HIGH Cold front
14:05 2.8 Warm front
Dublin 19 B Riyadh 43 S Harwich 14:52
--:-- -- Occluded front
Faro 29 S Rome 32 S Holyhead 07:04 4.5 20:37 4.0
20:08 4.9 Trough
Florence 35 S San Francisco 18 PC Hull 02:52 5.8 19:20 3.7
Leith 11:27 4.5 15:02 7.1
Frankfurt 27 S Santiago 15 S --:--
15:31 --
Geneva 32 PC São Paulo 22 S Liverpool 07:40 7.5 1.4

Gibraltar 27 PC Seoul 27 B London Bridge 10:16 6.0 Synoptic situation Highs and lows Hours of darkness
Lowestoft 06:43 2.2
Helsinki 26 S Seychelles 27 PC Milford Haven 02:30 5.4 Low pressure to the northwest 24hrs to 5pm yesterday Aberdeen 22:10-04:21
of Ireland will push a complex
Hong Kong 34 PC Singapore 31 PC set of fronts across northern Warmest: Pershore, Belfast 22:10-04:51
and western Britain and
Honolulu 30 PC St Petersburg 28 PC Morecambe 07:54 7.4 Ireland, bringing mostly cloudy Worcestershire, 24.4C Birmingham 21:44-04:45
skies and spells of rain, heavy
Istanbul 27 S Stockholm 17 DU Newhaven 07:45 5.1 and thundery in places. High Coldest: Cairngorm, 4.7C Cardiff 21:44-04:55
Newquay 01:29 5.5 pressure over western Europe
Jerusalem 31 PC Sydney 17 SH Oban 02:29 2.9 will ridge into southeastern Wettest: Leek, Exeter 21:42-04:59
Britain leading to mainly dry 22:11-04:37
Johannesburg 16 PC Tel Aviv 31 PC and warm conditions with some Staffordshire, 9.6mm Glasgow 21:52-04:45
sunny spells. Sunniest: North Wyke, 9.3hrs*
Kuala Lumpur 33 PC Tenerife 29 S Liverpool
Penzance 13:41 4.3
Kyiv ** ** Tokyo 29 B Sun and moon
London 21:32-04:42
Lanzarote 30 PC Vancouver 21 PC Portsmouth 08:05 3.8
Shoreham 07:38 4.8 For Greenwich Manchester 21:50-04:42
Las Palmas 26 PC Venice 34 S Southampton 06:51 3.6 Newcastle 21:55-04:32
Sun rises: 05.11 Norwich 21:31-04:32
Lima 15 DU Vienna 32 S Sun sets: 21.01 Penzance 21:48-05:10
Moon rises: 00.48 Sheffield 21:46-04:39
Lisbon 30 PC Warsaw 31 S Swansea 02:31 7.3 Moon sets: 17.12
New moon: July 28
Los Angeles 23 B Washington 32 B Tees 12:28 4.6
Weymouth 02:31 1.3
Luxor 37 S Zurich 29 S

74 Saturday July 23 2022 | the times

Register

Obituaries

Uwe Seeler

West German footballer who was gracious in
defeat to England in the 1966 World Cup final

As West Germany lost the 1966 World good in the air, able to hang seemingly Seeler, the German captain, left, greets the England skipper Bobby Moore before the 1966 World Cup final. The pair’s
Cup final to England in controversial for seconds and execute overhead kicks,
circumstances, their captain Uwe which became his trademark. Pelé, who and training like a man possessed he the emergence of the scoring sensation For SV Hamburg he won the national
Seeler showed sportsmanship in defeat particularly respected him, said: “His returned to lead West Germany in a Müller, was surprised to be included in championship in 1960 and played 239
that matched the England captain handling of the ball was perfect, his shot crucial qualifier against Sweden late in the squad for the 1970 tournament in games in the national Bundesliga
Bobby Moore’s dignity in victory. precise, and what really amazed me was 1965. He booked West Germany’s place Mexico. It would prove to be a shrewd (which had been founded in 1962),
his ability to head the ball.” in England with a trademark toe-poke selection. Overcoming a threat from a finishing as top scorer in 1964. He
England’s striker Geoff Hurst scored to beat the Swedes. left-wing guerilla group to kidnap him, retired after more than 700 career
the famously disputed winning goal Above all, and perhaps more than as well as tactical disagreement with appearances, scoring 551 goals.
that the Swiss referee Gottfried Dienst any of his compatriots, Seeler exempli- Seeler made his mark at the 1966 Germany’s coach Helmut Schön, Seel-
decreed had bounced over the line off fied the way German footballers played tournament, scoring the winning goal er would play in all six games, scoring in There was to be one final professional
the underside of the crossbar to make it the game: ultra-competitive, with un- against Spain and another in a bruising three. appearance, although he did not know it
3-2 in extra time. The West Germans quenchable fighting spirit, tough but quarter-final against Uruguay. Horacio at the time. In 1978, at the age of 41, he
were adamant that the ball had not fair (most of the time). Jimmy McIlroy, He mentored young Müller, with agreed to play what he thought was a
crossed the line. Several of their a member of the Northern Ireland He exacted revenge on whom he shared a room. They formed charity match in Ireland for Cork Celtic
players, including their young play- team that played out a 2-2 draw against a deadly understanding on the pitch, against Shamrock Rovers. Unbeknown
maker Franz Beckenbauer, surrounded Seeler’s West Germany at the 1958 England in the 1970 with Seeler in a deeper role feeding to him, it was an official League of
the referee to protest. As slow-motion World Cup, said of him: “If there was a Müller with passes and headers. Ireland fixture, the rules allowing guest
video replays would later attest, West brick wall there and the ball was on the World Cup in Mexico players to appear. Cork Celtic, who
Germany had every reason to feel hard other side, then Uwe Seeler would go In the semi-final against Italy Seeler would go bust the following year, lost
done by. right through it.” Troche, the Uruguay captain, had been was magnificent in a fierce match, cele- the game 6-2. Seeler scored the two, one
sent off for retaliation. As he trudged brated as “the game of the century”, of them, of course, an overhead kick.
During jubilant scenes at Wembley For many years, until surpassed by a off the field, he tried to even up the which the Italians won 4-3. West
stadium for what remains England’s modern generation of players, Seeler numbers by slapping Seeler in the face. German supporters chanted “Uwe, By then he was working as a repre-
only World Cup victory, Seeler demon- and Pelé were the only players to have The West German ignored him and Uwe, Uwe” throughout, the final game sentative for Adidas, the German
strated to his incensed team-mates how played in four World Cup tournaments turned away. Seeler later said: “The silly of Seeler’s international career. sportswear brand. He set up his own
to lose a game of football, show- fellow was trying to provoke me.” sportswear company, and owned a
ing as much graciousness as (1958, 1962, 1966 and 1970). Like Seeler would play on for SV Ham- petrol station and several properties in
Moore had shown in the great Brazilian maestro, As the Sixties wore on he played few- burg for two years. He had remained Hamburg. A modest and courteous
delicately receiving Seeler scored in each er games for West Germany and, with loyal to them, turning down lucrative man, Seeler married Ilka in 1959. They
the Jules Rimet one. offers to join Spanish and Italian teams.
trophy from the Uwe Seeler was
Queen’s gloved born in 1936 in the
hands. In stark northern port
contrast to some city of Hamburg
of Seeler’s to Erwin and
younger team- Anny Seeler.
mates, he never His father, who
whinged about had himself
“the goal that played for SV
never was” and Hamburg and
complimented En- worked on a barge
gland on being “an in the local docks,
exceptional team, wor- was a man deeply in
thy of the title”. love with sport. He
enrolled Uwe and his elder
A centre forward who
played his entire club career with SV brother, Dieter, in the junior
Hamburg, Seeler exacted revenge on football division at the club.
England at the 1970 World Cup in
Mexico. He scored a late equaliser The story goes that when Sepp
against England in the quarter-final in Herberger, the famous Germany coach,
sweltering conditions, latching on to a noticed Dieter Seeler playing in a youth
long, hopeful ball into the box from match and struck up a conversation with
Karl-Heinz Schnellinger. The ball his parents, the boys’ mother responded:
appeared to be sailing over him, but “Wait until you see my little Uwe.”
Seeler just managed to connect with it
on the back of his head. Almost in slow Having signed as a schoolboy for SV
motion, the ball floated high over Hamburg, Uwe broke into the first
England’s goalkeeper Peter Bonetti and team in 1953, scoring 28 goals in his first
into the net. As England wilted in the season. He followed up with more than
heat, Gerd Müller (“Der Bomber”) 30 goals in each of the next two seasons.
would volley home from close range to Still not 18, he made his international
secure a 3-2 victory for West Germany debut in October 1954 as a substitute
and knock out Alf Ramsey’s World Cup against France. A few months earlier
holders. West Germany had sensationally won
their first World Cup in Switzerland
Seeler retired from international when they beat the mighty Hungarians
football after the tournament in 3-2 in what became known as the
Mexico with 43 goals from 72 caps over “Miracle of Bern”. However, the team
16 years, earning his place in the was ageing and Herberger saw Seeler as
pantheon as one of the most popular a key component of the rebuilding
and durable footballers to come out of process.
Germany since the Second World War.
So it proved. In the 1958 World Cup
The fact that he hardly looked like a finals in Sweden, Seeler scored the cru-
leading athlete only added to his cult cial goal in the opening game against
status. Seeler was just 5ft 7in and later in Argentina, the favourites. He scored
his career would be described as “tubby” again against Northern Ireland as the
rather than barrel-chested. And like West Germans advanced to the semi-
Bobby Charlton, whom Seeler much finals before their defeat to Sweden.
admired, he had started balding. Yet
Seeler had an explosive turn of pace and In Chile in 1962, a typical flying head-
with his low centre of gravity was almost er by Seeler against the hosts put West
impossible to knock off the ball. His Germany into a quarter-final with
muscular spring made him deceptively Yugoslavia, which they lost.

Seeler believed he had played his
final international after suffering a torn
achilles tendon. Yet after losing weight

the times | Saturday July 23 2022 75

From teenage romance to
marital bliss
Marriages and
engagements, page 76

POPPERFOTO / GETTY IMAGES

Alan Blaikley

Chart-topping Sixties songwriter turned psychotherapist

personal battle at Wembley, far left When the 14-year-old Alan Blaikley both had worked as trainee producers. Alan Blaikley, far group having a female drummer in
wrote his first song with his best friend The pseudonym was a recognition Anne “Honey” Lantree (obituary,
had three daughters: Kirsten, Helle and Ken Howard, rock’n’roll had barely left, with his December 31, 2018), they offered them
Frauke, a former tennis player. His been invented. that the pop landscape of the 1960s was some of their songs, including Have I
grandson, Levin Oztunali, is a profes- changing and the pair also anonymous- songwriting the Right?
sional footballer for Union Berlin. It was 1954 and they recorded a demo ly wrote and produced the 1969 prog-
of their juvenile composition on a rock sci-fi concept album Ark 2 by a partner Ken When the song went to No 1, the pair
For three years in the mid-1990s, Seel- Dictaphone in Howard’s father’s office. band called Flaming Youth, which left the BBC’s payroll by mutual
er served as SV Hamburg’s president. In It was never professionally recorded, featured a youthful Phil Collins. Howard in 1965, consent, the corporation unimpressed
2005 a giant bronze sculpture of his right but Blaikley and Howard went on to by its employees’ foray into pop music
foot was unveiled outside SV Hamburg’s become one of the most successful Reviewing the album’s prog-rock and the group and Blaikley and Howard keen to build
stadium. The German women’s team songwriting duos of the 1960s, writing a leanings in The Sunday Times, Derek on their success.
wore black armbands in his honour in hundred songs together and scoring a Jewell noted that “pop is becoming the Dave Dee, Dozy,
their Euro 2022 quarter-final against string of Top Ten hits. serious music of the age”. Yet in truth It was at a Honeycombs gig in
Austria in London on Thursday. Blaikley and Howard were out of time Beaky, Mick & Swindon that Blaikley found the act
Prominent among them were Have I in a rapidly changing musical land- that would bring them their next chart
Seeler’s misfortune was that his play- the Right? for the Honeycombs, which scape. As disco and punk wrought two Tich, for whom success. Supporting the chart-topping
ing career started just after West Ger- gave the writers their first No 1 in 1964, quite different kinds of musical revolu- headliners were an unknown group
many’s World Cup triumph in 1954 and and the melodramatic The Legend of tion in the mid-1970s, they decided to they wrote at known as Dave Dee and the Bostons,
ended before their World Cup victory Xanadu, a No 1 in 1968 for Dave Dee, venture into more traditional areas of and Blaikley was struck by how differ-
in 1974. However, at the 1974 final in Dozy, Beaky, Mick & Tich. composition. least 13 hits ent they were from most of the beat
Munich, Seeler’s spirit was much in evi- groups of the time with “something of
dence. Müller may have been the hero, In between Howard and Blaikley also Their first West End musical Mardi he picked up the formal musical the British music hall tradition about
scoring the winning goal against the wrote hits for Peter Frampton and the Gras opened in 1976 and was followed education that he credited as the them”.
Netherlands, but West Germany’s sup- Herd (From the Underworld), Lulu by The Secret Diary of Adrian Mole. For foundation of his later success as a
porters chanted “Uwe, Uwe, Uwe”. (Boy), the Marmalade (Wait For Me television they composed the theme songwriter, and he met Howard at Blaikley and Howard took over their
Mary-Anne) and countless others. music for the dramas The Flame Trees of University College School, Hampstead, management, renamed them and
Uwe Seeler, German footballer, was born Thika (1981) and By the Sword Divided when they were eight. They remained proceeded to write and produce no
“We started songwriting as a joke,” (1983–85) and for the BBC’s long-run- friends with barely a serious argument fewer than 13 hit singles for the group,
on November 5, 1936. He died of undis- the pair told Jonathan Aitken, who ning Miss Marple series. between them for 74 years. including Hold Tight!, Bend It!, Okay!
featured them in his 1967 book The and Zabadak!
closed causes on July 21, 2022, aged 85 Young Meteors. “But suddenly we were A third unlikely partner briefly The two briefly separated in their late
forced to take it seriously. Now we are joined the writing team in 1978 when teens while Howard read anthropology Aside from the surfeit of exclamation
well enough off to have to think of tax the psychiatrist RD Laing recited his at Edinburgh University and Blaikley marks, they gave the group’s 1966 LP
fiddles.” poetry to an original musical score by read Latin and Greek at Wadham the music hall title If Music Be the Food
Blaikley and Howard on the 1978 album College, Oxford, where he also served of Love . . . Prepare for Indigestion.
They were also the first British com- Life Before Death. The one-off as reviews editor of Cherwell, the Among the Blaikley-Howard composi-
posers to have a hit song recorded by collaboration reflected Blaikley’s student newspaper. tions on the album was one titled Loos
Elvis Presley, who made the UK Top interest in psychology. Inspired by the of England.
Ten in 1970 with the duo’s I’ve Lost You, work of Jung, Blaikley trained as a They were reunited after graduating
a song which Blaikley described as psychotherapist at the Westminster Blaikley never married but in 2007
“about good love imperceptibly turning Pastoral Foundation and ran a success- He wrote a pamphlet entered a civil partnership with David
bad” and “a couple who go through the ful private practice in Hampstead for Harris, a translator, with whom he had
motions but are finally only held more than 20 years. about homosexuality lived since 1978. Harris predeceased
together by the existence of their child”. him in 2015.
Presley may well have found in its lyrics Alan Tudor Blaikley was born in 1940 when it was an offence
an echo of his own failing marriage to in Hampstead Garden Suburb, north His writing partner Howard survives
Priscilla, the mother of his daughter London, the son of Francesca (née when both landed jobs as trainee televi- him. The pair never lost their belief that
Lisa Marie. Hall), a schoolteacher, and Ernest sion producers with the BBC, Howard songwriting was an art in which the
Blaikley, a founder member of the working in the drama department and best results were achieved collectively.
The coveted invitation to write for Society of Graphic Art and an official Blaikley in the talks department and on “Alan and I have known each other for
Presley came about via Freddy Bien- First World War artist who later the daily current affairs programme so long that we have developed an
stock (obituary September 26, 2009), became keeper of art at the Imperial Tonight. intuitive empathy that allows us to
an American music publisher War Museum. short-cut the creative process,”
employed to find songs for the singer Blaikley also wrote and narrated the Howard noted.
and whose company Carlin Music had As a chorister at St Mary-at-Finchley BBC radio series Writing for Children, in
acquired the rights to Howard and which he interviewed CS Lewis, JRR “It’s like a rally in tennis, keeping
Blaikley’s catalogue. Tolkien and Enid Blyton, and under the ideas in play which individually one
pseudonym Anthony Rowley wrote might have discarded,” Blaikley added.
“Freddy was a larger than life Another Kind of Loving, a pamphlet “Then you examine what you’ve got
character with a mischievous sense of about homosexuality, which was still a and you can tell at once if it’s a winner.”
humour,” Blaikley recalled. “One day criminal offence.
he said, ‘Have you guys got anything for Alan Blaikley, songwriter and
Elvis?’ Elvis had been an idol since The pamphlet was an offshoot of a
schooldays and we thought he was quarterly magazine he and Howard psychotherapist, was born on March 23,
joking.” co-edited, which published early work
by Melvyn Bragg, Ray Gosling and 1940. He died in hospital after a short
They submitted some demos, includ- Simon Raven, among others.
ing I’ve Lost You, and after a long wait a illness on July 4, 2022, aged 82
stream of telegrams began to arrive. When the pair began hawking their
“The first was saying that Elvis liked songs around London’s music publish- Email: [email protected]
the song and might include it on his ers, numerous rejections followed
next session. Then that he had record- before they discovered a group called
ed it — and then that it was to be his the Sheratons (soon to become the
next A-side and in his movie That’s the Honeycombs) playing in a pub in Balls
Way It Is. A completely dreamlike Pond Road.
sequence of events.”
Impressed by the novelty of the
The duo did not even use their own
names on the song, which was original-
ly written for Matthews Southern
Comfort. Led by the former Fairport
Convention singer Iain Matthews, the
group’s folk-rock style was far removed
from the Tin Pan Alley commercialism
of Blaikley and Howard’s regular fare.

“We decided that we needed a
pseudonym to distance ourselves from
the pure pop of Dave Dee and the
Honeycombs,” Blaikley admitted. They
came up with “Steve Barlby”, the
fictitious surname lifted from a road
close to BBC Television Centre, where

76 Saturday July 23 2022 | the times

Readers’ Lives New readers

Marriages and engagements

From teenage romance to marital bliss

WWW.JULIAANDYOU.COM

Chloe Steer, 29, a veterinary nurse, James and Chloe met at a pub gig. Their wedding cake was made by the friend who introduced them years ago Aoife Alexandra Wychrij was born
and James Clack, 30, a graphic on March 2, 2022, at Barnet General
designer, were married on April 15, and records music with friends under pandemic. She really enjoyed it and the final of ITV’s talent show Hospital in north London to Claire,
2022, on the Channels Estate in the name Goldiva. From the age of 18, had the help of her old schoolfriend, Starstruck, and Chloe nervously 38, and Andrew Wychrij, 32
Chelmsford, Essex the couple have been saving to buy a Jade, who had introduced her to wondered if she might have to book
house. In 2018 they bought a flat in James. Jade now runs a cake someone else if he won. At the Aoife’s parents
Chloe’s best friend was going out with Writtle, a village in Essex. company. She made their wedding wedding, he talked to guests and are of Ukrainian
the drummer of an indie rock band cake and favours, which were cookies picked up enough information to and Irish descent,
called the Bliss and she agreed to Marriage had been a running joke and packets of wildflower seeds. personalise the lyrics of songs. so they wanted to
watch them play at a local pub. During after being together so long. Chloe choose a name
the concert, she noticed James, who had imagined a proposal might Chloe was struggling to find a dress The newlyweds had their first for her that
was on guitar, but mostly playing with happen on her birthday or at when her older sister, who was maid dance to Arctic Monkeys’ Baby I’m honoured all
his back to the crowd. “I thought, ‘he Christmas but began to give up hope. of honour, suggested that she try a Yours. “We completely winged it,” parts of her
is the one for me’,” she says. “I always said he would never be able local dress shop in Ongar, which was says Chloe. It was the first time they identity. In Irish
to propose and surprise me because I a success. She is the first of her had successfully danced together mythology Aoife
James was in the year above Chloe can read him like a book,” she says. siblings to get married. Her older without injuring one another. “We means “radiance” and denotes a feisty
at Shenfield High School in Essex. brother was a ring bearer and make each other laugh a lot and we female warrior; her surname Wychrij,
She mentioned to her friend that James waited until between her younger brother gave a reading. understand each other as much as comes from “vikhr”, which means
she thought the guitarist was Christmas and New Year in 2019 on a James’s younger brother was two people can,” says James. “I am whirlwind in Ukrainian. She has her
good-looking and it turned out that surprise trip to see the light show in best man. always drawn to her.” father’s blue eyes and long eyelashes
he was interested in meeting her. the grounds of Audley End House, and her mother’s lips and chin.
They got to know one another as part Essex, considered to be one of the The 2pm ceremony took place If you would like to feature a Aoife was born just weeks after
of a group. most impressive Jacobean houses in outside. Chloe walked in with her wedding or engagement or the Russia invaded Ukraine and it was a
England. Halfway round, he went father to Samm Henshaw’s Only birth of a child on these pages, call difficult time for the family. Her birth
Their first date, just the two of down on one knee. “I have never Wanna Be With You. She and James 020 7782 5583, Mon-Fri, to discuss has, however, been a gift. Having
them, was at Starbucks on Brentwood been so shocked,” she says. “He was as had written their own vows and the content and cost, or email: been born to the soundtrack of I’m
High Street in 2009. Chloe was 16 cool as a cucumber.” exited to Chuck Berry’s You Never [email protected] Coming Out by Diana Ross, Aoife
and remembers asking her parents for Can Tell. “That livened things up,” she loves to be rocked to sleep to songs by
money. “As I arrived, James just said They booked to get married in the says. thetimes.co.uk/static/terms-and-conditions the Strokes. Claire and Andrew are
‘hello’, walked through the door and 17th-century thatched Essex Barn on excited to take Aoife on her first
bought himself his Starbucks,” she the Channels Estate in Chelmsford. They booked Fil Straughan to sing holiday in November to Tenerife,
says. Apart from that, he was Chloe had more time to plan because during the wedding breakfast. In the where they will stay in the same
surprisingly gentlemanly, she says, her work hours were cut due to the run-up to their wedding, he made it to resort as on their honeymoon.
and insisted on walking on the road
side of the pavement. Inigo Charles Patrick Stenning was
born on May 4, 2022, at Chelsea and
“He was very different to other Westminster Hospital in southwest
boys I had spoken to in my own year,” London to Clarissa Martyn-
she says. “He was into Arctic Hemphill, 36, and Jonno Stenning, 36
Monkeys and Amy Winehouse —
music that was a bit more alternative By the time they
than I was used to at the time. He is had their third
very handsome, but he is very modest child, so many of
and very sweet.” He remembers her Clarissa and
being confident, attractive and Jonno’s friends
carefree. had children that
it felt almost
They went back to James’s house impossible to find
afterwards to watch the cartoon film an original name.
Ratatouille and Chloe met his mother They chose Inigo
gardening on the driveway. “She held after their favourite architect, Inigo
out her hand to shake my hand,” says Jones, but when his birth was
Chloe. “I was so nervous.” Early announced in The Times it just so
dates were spent watching films at happened that there was another
their homes. He would serenade her announcement for a baby called
on the guitar. She would go to see Inigo. “We thought we were being
him at gigs. unusual but clearly other people had
the same idea,” says Clarissa.
“I’ve always wanted to work with Inigo’s two older sisters — Sienna,
animals,” says Chloe, who is a three, and Elora, two — are
veterinary nurse. Growing up, she had “completely obsessed” with him. Inigo
dogs, guinea pigs, rabbits and a pygmy is wonderfully docile and very
hedgehog. She has been vegetarian tolerant of their affection; he is
since the age of 13. James, who is a starting to reciprocate his sisters’
graphic designer, turned vegan before affections with constant smiles, and
her. “We’ve definitely become more he loves to accompany them to their
similar in ways and have perhaps classes and “cheer” from the sidelines.
picked up some of each other’s
idiosyncrasies along the way,” he says.

They describe themselves as
opposites. “James is probably a bit
more reserved,” she says. “I am
probably the more outspoken,
confident one.” She appreciates his
compassion and loyalty. He still writes

The perfect gift ‘She has her father’s eyes
for new parents and face shape but her
mother’s lips and nose’
Celebrate the arrival of
a newborn in Readers’ PIPPA SUZANNE DRACOTT WAS BORN ON MAY 28, 2020,
Lives, a service in AT BROOMFIELD HOSPITAL IN CHELMSFORD, ESSEX,
contracted tributes TO CLAIRE, 30, AND GARY DRACOTT, 30

Call 020 7782 5583 or email 50%
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discount for
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the times | Saturday July 23 2022 77

Remembering loved ones Readers’ Lives

Hong Kong to developing transport plans for the
tram designer Chinese cities of Shenzhen, Wuhan
who drove and Nanjing. His greatest
like Mr Toad achievement, he said, was suggesting
cameras be installed on platforms
Timothy Runnacles, 75 across Johannesburg’s metro
system after he noticed the high rates
The light rail expert Timothy called, was the only son of Vernon Timothy Runnacles on the Glacier Express in the Swiss Alps in 1984 and, left, of homicide.
Runnacles did not like to call himself and Eva (née Greenwood). An with his Rover 2000 in 1979 that he drove erratically through Hong Kong
a trainspotter, preferring the term enthusiasm for transport ran in the Timothy was the author of more
“rail enthusiast”, although his family. His grandfather, described by behind Timothy’s move to Hong almost unlit cities thronging with than 30 articles, papers and chapters
obsession with what he referred to as Timothy as a “grand gentleman”, set Kong lay in his early work in the cyclists, shabby people and dodgem- in technical and academic
“big things that move” incorporated such store by his car — and his dog planning office of what was then the like trolleybuses”. When presiding publications and was the Hong Kong
trams, planes, buses and ships as well Peter — that he insisted Peter sit London Transport Executive (now over the annual boat race dinner at correspondent for Railway Gazette. He
as trains. It started from an early age. beside him in the front while the rest Transport for London), which later the Royal Hong Kong Yacht Club in lectured at Imperial College London
At four his scribbles of steam trains of the family crammed into the back. sent him to their international branch evening dress, he would announce and at the University of Hong Kong,
filled his drawing books and by his When Timothy’s father, a motor in Hong Kong. His responsibilities at that “fumigatory materials” could be where his method of making the
early teens he was hunkering down at engineer, was asked by Timothy and the London Transport Executive enjoyed after the loyal toast. In the quieter students contribute was to
Portsmouth railway station, noting his mother, both avid readers, which included writing the proposals for the Hong Kong office he was keen to point directly at them and ask for
the serial numbers of locomotives. book he wanted for Christmas he Docklands Light Railway, which raise standards of English and issued their thoughts.
Thereafter his holidays — in his would answer, “I have one already.” It opened in 1987, and the Croydon a regular memo to colleagues titled
twenties around Europe and later was a Ford car manual. Tramlink. At the time the idea of “Linguistic Horrors”. In his early twenties Timothy
with his family exploring the west having trams in Croydon was viewed married Michelle, a friend of one of
coast of the US — were planned At Portsmouth Grammar School with apprehension but Timothy From 1978 to 1993 Timothy was his housemates, but the union lasted
around visits to railway stations. Timothy embarked on a lifelong habit insisted that they could be with the Hong Kong government, only five years. In 1983 he married for
of chronicling every aspect of his life. incorporated in the traffic on the rising to the role of principal a second time, having met Doris
It was thus a dream job for Timothy He took photographs of geography road. He also praised their transport officer and responsible for Kwan, his boss’s secretary, in the
to be sent in 1977 to Hong Kong and field trips and at Fitzwilliam College, environmental benefits. the running of buses, minibuses,
be put in charge of researching public Cambridge, where he studied trams, taxis and ferries in Hong Kong, He sent memos to Hong
transport options for a new town in geography, he was a member of the Arriving in Hong Kong in 1977, as well as liaising with rail and
the New Territories district. Tuen photographic society. He followed his Timothy travelled into China and, underground railway operators. His Kong colleagues titled
Mun, in the west, was built in the Cambridge degree with a diploma in fond of elaborate description, likened work took him around Asia, from
1960s to deal with overcrowding from town planning at the Oxford its urban sprawl to a “medieval revitalising public transport in ‘Linguistic Horrors’
mainland China and Timothy, who polytechnic and a master’s in agricultural landscape, with smoky, Kazakhstan and Bandung, West Java,
had already worked on the Croydon transport engineering and planning at Hong Kong transport office. The
Tramlink in south London, came up Imperial College London. second largest bedroom in their flat
with the light transit rail system, was given over to Timothy’s model
which he designed and saw through The biggest contributing factor railway, complete with lakes and
to completion over the following mountains, and their own bedroom
11 years. It was no mean feat. When was filled with hundreds of railway
the Tuen Mun Light Railway was up magazines. Timothy and Doris had
and running, it was carrying more two children: Jenny, who is a director
than half a million passengers a day, of corporate affairs, and Pamela, a
placing it among the busiest modern senior communications manager.
tram systems in the world.
In retirement in 2004 Timothy
Born in 1946 in Emsworth, moved his family back to his roots in
Hampshire, Timothy Vernon Portsmouth. His passion for transport
Runnacles, or TVR as he liked to be remained undimmed, and he was
fond of his two cars, an ageing Rover
2000 and a 1979 Datsun Cherry. His
driving style was distinctive and his
focus on getting to his destination
intense. A friend described a trip
with him down Garden Road, one of
the busiest thoroughfares on Hong
Kong island, as being “not unlike
being driven by Mr Toad
in his automobile, with arms waving
and verbal abuse aimed at anyone
whom he even vaguely felt was
impeding his progress”.

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colleague, call 020 7782 5583 to
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International arbitration lawyer and nightclub owner in the 1960s

Tony Connerty, 83 preceded by the 51 discotheque in arbitration, and pioneered links with Westminster in 2000, his own group Jesuit school of St Francis Xavier. He
Douglas on the Isle of Man — were a China. By the mid-1980s he was of international dispute resolution got married in his early twenties and
When the Liverpool-born Tony hiatus for Tony from his job specialists. The IDR Group was a had a son, Julian, who is a solicitor.
Connerty opened 7 Club, a nightclub as an articled clerk but spending weeks at a time in successful venture and led in 2019 to The marriage broke down and later,
for mods in a furniture repository in they were short-lived. its main cities, earning his final move to 6 Pump Court, on Jersey, he met Margaret Carr.
Shrewsbury in 1964, he naturally took By the time he was the trust of Chinese which he described as the most They married in 1971 and raised
his cue in decor from the Cavern 30 he was back lawyers and charming place he had worked in. It Sarah, a governance manager, and
Club, which he had frequented as a practising returning with may have had something to do with Simon, an accountant. A move to
teenager. His opening act was the accountancy on students who his own generous spirit, boundless Hendon, northwest London, followed,
Moody Blues, the Birmingham Jersey and then worked alongside enthusiasm and knack of bringing where Tony studied law while
progressive rock band, but they training to be a him on people together. He was also involved Margaret supported the young family.
inconveniently cancelled as Denny barrister. He placement in in mediation and invited to set up a In later years Tony, a keen sailor, and
Laine, the lead singer, had laryngitis. was called to the chambers. mediation scheme for the Mayor’s Margaret moved to St Leonards-on-
It was a blow for Tony but he found a Bar in 1974, It was while and City of London Court. Sea, East Sussex.
replacement and continued with the when he was 36, Anthony was
club for another couple of years, and into a career acting in an Born in 1938 into an Irish Catholic Tony retained his links with
billing among other 1960s groups the that would last the international family in Liverpool, Tony was the Liverpool, particularly with the city’s
Phantones, the Missing Links, Terry best part of the next arbitration in second child of five. His grandparents international cotton association,
and the Golden Stones and, one 50 years. Washington DC that had run a stevedoring business on the whose arbitration service started in
December night in 1966, a 19-year-old he met Sandra Day docks and his father, Bill, worked as a the 1840s and is seen by some as a
singer called David Bowie with his Tony initially practised O’Connor, the first female clerk for the Commercial Cable forerunner to international
band the Buzz. It was three years from chambers in Gray’s Inn Company. His mother, Madeleine arbitration today.
before Space Oddity hit the top five in and the Temple, with his early work associate justice of the (née Mathieu), known as “Ma”, was a
the UK charts. concentrating on landlord and tenant Supreme Court. She offered to write school secretary. During the war the It was usual for Tony to work seven
law for the church commissioners. He the foreword for his Manual of family moved to Eltham, southeast days a week, not least, he joked,
The nightclub years — 7 Club was moved into construction disputes, International Dispute Resolution London, and then returned to because it meant he got paid. In his
with expertise in international published in 2006. Tony’s next move Liverpool, where Tony went to the final week he was still writing a
was to launch, in the Palace of judgment as an arbitrator.

78 Saturday July 23 2022 | the times

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Births, Marriages and Deaths newsukadvertising.co.uk 6 020 7782 7553 Church of England will
struggle to reverse decline
WHOEVER walks with the wise becomes MR H. CLARKE Deaths
wise, but the companion of fools suffers AND MISS A. J. BURTON Credo might look like smart such good news? For example,
harm. The engagement is announced between DEELEY Monica Clara (née Boyer) on 11th Martyn business. Borrowing money is the rural deaneries were to be
Proverbs 13.20 (NRSV) Harry, youngest son of Mr and Mrs Clarke July 2022, aged 95, peacefully after a short Percy cheap, and repaying it with a replaced with “active-out-
of Cornwall, and Alexina, eldest daughter of illness. Widow of the late W S Deeley of small rate of return over a facing resource hubs geared
Bible verses are provided by the Bible Mr and Mrs Burton of Shropshire. Souldern, Oxfordshire, and devoted sister It is hard to imagine the lengthy period is attractive to for equipping disciples and
Society of Isabelle. Beloved mother of Richard and Church of England lender and spender alike. (But enabling transformation”.
MR E. B. G. HODGSON grandmother of Susan, Edward and David. hanging on to its powers I do hope those brokering the (Who in God’s name writes
Births AND MISS I. L. D’ARCY CLARK A service of thanksgiving will be held at St and privileges in the next deal remembered that the this stuff?) This would all be
BUNNAGE-ZAIR on 19th July 2022 to The engagement is announced between Mary’s Church, Souldern, on Thursday 28th 50 years. Especially since CofE had £500 million wiped done and dusted by 2035.
Edward, son of Mr and Mrs Michael July 2022 at 2.30pm. Family flowers only. the majority of citizens off its investments in the There was a new catchy
Soohie and Jack, a son, Edward “Eddie” Hodgson of South Harting, West Sussex, Donations if desired to St Mary’s Church, expect equality and stock market slump of 2003). strapline for the diocese too,
George. and Isabelle, daughter of Mr and Mrs Brian Souldern, or Katharine House Hospice may accountability from their and a specially commissioned
D’Arcy Clark of Barnsley, Gloucestershire. be made via www.humphrisfuneral.co.uk or institutions. Leaving the finances to one prayer (written by a
WYNNE DAVIES on 15th June 2022 to given at the service. side, the senior leadership of committee) for this bold
Julia (née Scheufler) and John, a daughter, MR. C. D. WILLIAMS Moreover, as the number of the CofE have been endeavour.
Camilla Julia, sister to Sophie. AND MISS J. A. C. GRAHAM GILL Candida Mary (née Butler) passed paid-up members of the remortgaging the actual
The engagement is announced between away peacefully on 5th April 2022, aged 83. Church of England has identity of the church for My critical colleague asked
HAREN Chris, son of Dr David Williams and the late Beloved wife of the late Christopher and seemingly fallen off a cliff some time. They have been if the authors had seen a
On 31st May 2022 to Victoria Koehn Dr Julie Friend of Newcastle, New South much loved by her children Nicholas, edge already, and there is no banking on the past, and predicted 2035 climate
and Stephen, a daughter, Eliza Lillian Wales, Australia, and Jennie, daughter of Elizabeth and Charlotte and grandchildren sign that this decline is borrowing from the future, to change map for their region.
Renata, a miraculous little expression Lord and Lady Donald Graham. Christopher, Sasha, Benjamin and Tom. A temporary or seasonal, some try to resolve the present Of course this map of the
memorial service will be held in Surrey on questions need to be asked. problems. future had not figured in
of German-Irish alliance. MR A. J. QUINN 6th August 2022, details may be obtained missional groupthink. “Well,”
AND MISS F. L. LONG from [email protected] The present state of the As with any home, this is said my colleague, “that map
HENNING on 18th July 2022 to Gemma The engagement is announced between Mr Church of England would risky. It only makes sense if shows half the diocese under
(née Mullin) and Samuel, a son, Douglas Alexander John, son of Mr and Mrs Sean SEDGLEY pose an enormous challenge the value of your property water, so most of these new
Lomond, born 3.43am, at Colchester Quinn of Cowden, Kent, and Miss Felicity for the very best estate agent keeps going up. But as the congregations will be
Hospital, weighing 8lb 9oz. Louise, daughter of Mr and Mrs James Helen Lesley passed away peacefully to elicit serious interest. social, moral, spiritual and submerged. Worse still, our
Long of Richmond, Surrey. on 12th July 2022, aged 77, with loving intellectual capital of the rural economy, tourism,
MALCOMSON True, the CofE is not for Church of England is in fishing, shipping and port
On 17th April 2022 to Michelle (née MR J. C. H. ARCHER husband Robin and sons Max and sale, but it is constantly on negative equity, there may be industries, and many of our
AND MISS H. V. MARTIN James by her side. Funeral on the lookout for long-term and a default at any point. current transport
Hoe) and Nicholas, a son, Oliver The engagement is announced between loyal tenants who will take infrastructures will be
Renjun Michael. James, son of Mrs Olivia Carding of Thursday 28th July at St Nicholas care of the storefront as A senior colleague and decimated. Did the group
Buckland Newton, Dorset, and Mr N Archer Church, Cuddington, 12.15pm. though they were the owners. friend from a diocese in the think about what kind of
MORTON on 15th July 2022 to Freddy of London, and Harriet, only daughter of Mr Upkeep, appearance, Church of England, and one world we might be living in by
and Alex Morton, a son, Luke Andrew Guy. and Mrs John Martin of Allington, Wiltshire. Followed by cremation at Aylesbury productivity, regional brand that enjoys a very fine and 2035?” Answer came there
Vale Crematorium at 1.30pm. compliance and purpose are lengthy coastline, was none.
O’DUFFIN on 18th July 2022 to Greta MR J. N. M. ANDERDON devolved to the local surprised to come back from
Scott-Larsen and Seumas O’Duffin, a son, AND MISS S. C. MONTGOMERY Donations in lieu of flowers to Breast occupiers, who mostly do an a short sabbatical and be met Remortgaging the CofE is
Struan Michael Somhairle. The engagement is announced between Cancer UK c/o Surman & Horwood extremely good job on very by the recently appointed risky business. Especially
John Nicholas Manisty, elder son of Mr and Funeral Service, The Green, Crowell, tight budgets. leader of the enabling team, since tomorrow’s parishes
POOLEY on 30th June 2022 to Ms Amy Mrs James Anderdon of Milland, Chinnor, OX39 4RR. charged with rolling out the will have to repay what was
Brooks and Dr Sam Pooley, a son, Hadley. Hampshire, and Sophie Clare, daughter of However, for all their new Mission Action Plan for borrowed today. Local
Mr and Mrs Douglas Montgomery of WASLEY Gwyneth Isabel (née Parsons) labour, laity and clergy will the diocese. branches may want to start
SWINGLAND on 1st June 2022 to Hennerton, Berkshire. died peacefully on 14th July 2022, aged 95, receive little thanks from asking questions.
Victoria (née Huxster) and Joseph, a in Cheltenham. Dearly loved by her late their somewhat distant Naturally, my friend had to
daughter, Grace Huia Huxster, sister to MR C. J. C. GIRARDOT husband Richard, her children Andrew, landlords, who only seem be paid a visit by the leader of Who actually owns this
Rose. AND MISS L. C. PEDDER David, Joanna and Penny, her interested in the productivity the enabling team promoting business? Do the
The engagement is announced between grandchildren Harriet, Greg, Caroline and and turnover. the fizzy Mission Action Plan shareholders have any say?
Forthcoming Marriages Charles, only son of Mr Paul Girardot and Susie and her extended family. For details replete with maps, diagrams Who does it serve, and for
Mrs Muff Delevingne, both of Battersea, of her funeral arrangements contact Mason The Church of England and charts, so everyone was what purposes? Who are
MS H. M. SKELLERN and Lucy, youngest daughter of Mr and & Stokes, 01242 224877. No flowers please, recently announced a bond of “fully on board”. these people in regional and
AND MR N. W. BAKER Mrs John Pedder of Wimbledon. but donations to wrnsbt.org.uk would be £550 million that would national headquarters, telling
The engagement is announced welcomed. provide long-term financial My friend studied the maps parishes how to run things
between Hannah, daughter of James MR S. R. PEACOCK support for its mission and carefully, which showed locally, cutting local support
and Judith Skellern of Wadhurst, East AND MISS O. J. K. SCOTT YATES William Hugh, MBE, died peacefully ministry. The Sustainability where all the new to fund such speculative
Sussex, and Neal, son of John and The engagement is announced between on 18th July 2022, aged 86. Dearly loved by Bond, as it is known, will congregations were to be strategies?
Elizabeth Baker of Newtownabbey, Steven, son of Mr Ian and Mrs Denise Elisabeth (Lip), his son Stuart, his stepsons repay investors at between “planted”, and how the “old
Peacock of Durham, Co Durham, and Toby, Harry, Tom and Charlie, his 3.25 per cent to 3.65 per cent parishes” were to be The Very Rev Professor Martyn
Co Antrim. Oenone, elder daughter of Sir Christopher daughters-in-law and many grandchildren. over the next 30 years. That “consolidated and merged”
and Lady Scott of Yews Windermere, Funeral private. A thanksgiving service to into new Missional Minster Percy is an honorary fellow at Harris
MR J. R. CALLEN Cumbria. be announced later. Areas.
AND MISS L. C. BRADLEY-WATSON Manchester College, Oxford, and
The engagement is announced between Marriages In Memoriam This was all meant to be met
James, son of Mark and Mary Callen of with breathless excitement. former dean of Christ Church,
Dulwich, London, and Lily, daughter of FLT LT A. T. BARKER PAYA Oswaldo, winner of the European Who could not be excited at
Richard and Tavy Bradley-Watson of AND DR A. V. GREGORY Parliament’s Sakharov Prize and his aide, Oxford (2014-2022)
Melbury Abbas, Dorset. The marriage took place on 8th May 2021, Harold Cepero, brave fighters for true
at St Mary’s Church, Chipping Norton, democracy and untrammelled freedom of
The simple way to place your between Alexander and Anna. worship, murdered in Cuba in July 2012.
announcement in The Times. May they rest in peace.
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Britain’s first nuclear 50% Clarence House
submarine engineer 22nd July, 2022
known to all as Spam discount for The Prince of Wales,
subscribers President, The Prince’s
Commemorate the life of a friend or relative in Foundation, this morning
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PETER HAMMERSLEY, WHO DIED AGED 91, WAS Show at the Garrison Chapel,
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the times | Saturday July 23 2022 79

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The Times Saturday Quiz Olav Bjortomt O Tempora! Crossword CCCLV by Auctor
A weekly crossword for the classically minded

1 Complete the saying: “Red sky at 20 ALAMY
night, shepherd’s delight. Red sky in
the morning, …”? 123456 Clues, which may
be straight or
2 Which annual music competition 78 mildly cryptic,
is the subject of Tim Moore’s 2006 always lead to
book Nul Points? answers in Latin

3 In 1905, Henry Fairfield Osborn 9 10
gave which dinosaur a name
meaning “tyrant lizard king”? 11 12 13 14

4The latest movie spin-off of which 15 16 17
ITV period drama is subtitled
A New Era?

5 Which Rossini opera premiered 18 19 20 21
in 1816 under the title Almaviva 22 23
o sia l’inutile precauzione at Teatro
Argentina, Rome?

6 Located in Brazil, what is the most
populous city in the Southern
Hemisphere?

7 Immortalised in an 1857 novel, who 13 Which author of Jonathan Wild 19 Competing for Alfa Romeo, who Across 2 I’m not entirely scuppered: non ____
was headmaster of Rugby School (1743) became justice of the peace is Formula One’s first Chinese iam perii, Pl. Asinaria 233 (6)
from 1828 to 1842? for Westminster in 1748? driver? 7 Belonging to bulls (contracted
form, as it so often is) (4) 3 She asked with some sense of
8 Alba Campeol gave which coffee- 14Which medal was recently 20 The pictured rodent, urgency: flagitavit, postulavit (8)
flavoured dessert a name that awarded to Hugo Duminil-Copin, Desmarest’s hutia, is endemic 8 In “formal speech”, opp. in
means “pick me up” in Italian? June Huh, James Maynard and to which Caribbean country? sermone, which means in 4 Beech trees on which Paris carved
Maryna Viazovska? conversation (8) Oenone’s name, Ovid Her. 5.21 (4)
9 Murder Before Evensong (2022) Answers below right
is “A Canon Clement Mystery” by 15 Featuring Jim Carrey, which 1985 9 I creak and rattle (the shorter 3rd 5 This drove Aeneas: voluntas grata
which celebrity vicar? horror comedy film stars Lauren Last week’s O Tempora! solution conj. form) (6) in parentes, Cic. Pro Plancio 80 (6)
Hutton as a vampire countess?
10 Which Swiss psychiatrist 10 That girl you’ve just mentioned (6) 6 From where? Whence, as they used
introduced the terms 16 Magic was the lead single from 11 Consequently, accordingly, so (4) to say (4)
“introversion” and “extraversion” which California rapper’s 2022 12 Shakes — “pocula lactea” fallax est,
into psychology? album Ramona Park Broke My Heart? 13 Looks back: nati ____ alas Daedalus,
quatit (8) Ovid Ars Amatoria 2.73f (8)
11 Borrowed from the Queen, the 17 Which 15th-century lord of 15 You lot are snatching (something)
dress worn by Princess Beatrice Rimini was “canonised” to hell by 14 Tooled up (with a blade) — perf.
for her wedding was designed by whom? his enemy, Pope Pius II? away: prehenditis (8) ppl. describing Juno at Aen. 2.614
17 Prima ____: the crack of dawn (4) (8)
12 The Tory MP Gavin Williamson 18 Which England footballer wrote 18 Fillets (non piscium), bands (non
has championed which African the 2001 autobiography 1966 and 16 Adv., rather than and adj., preferred
republic’s campaign to be recognised as All That? cantorum), sacred ribbons (6) (comp. neut. potis) (6)
a sovereign nation? 21 Barba ____: a quite grey beard (6)
22 I spoiled or dishonoured (ponder 17 One may be allowed, it might be
right (subj. impersonal verb) (6)
the meaning of immaculate) (8)
23 The A of a.m. (4) 19 You were going alone (4)
20 Consumam caseum (4)

Down

1 I should encourage (imperf. subj.,
hortor) (8)

TTiimmeess CCrroosssswwoorrddNNo o282,385,3050 Suko No 3549

12 3 4 5 6 7 8 Across 22 Sharp facilitator of trip in charge
(6)
9 10 1 Concoct pancake? (4,2) Place the numbers 1 to 9 in the spaces so
12 5 Concerned with recent delivery of 23 Most disruptive cry for attention
11 14 cut sleep after noon (8) that the number in each circle is equal to
gas the least bit short (8)
13 17 18 9 Resting place for the great cat, not 24 Part of capital in China with large the sum of the four surrounding spaces,
15 16 retail area (4,4)
21 quite running (8) and each colour total is correct.
19 23 10 Cook wraps poorly with fancy 25 Gas — more than enough bottles
(6) Solution MindGames in Saturday Review
20 trimmings (6)
11 Gold car reversing round island Down Quiz answers 1 Shepherd’s warning.
22 2 Eurovision Song Contest.
I’m leaving... (2,6) 2 In extremis, alcoholic has drunk 3 Tyrannosaurus rex. 4 Downton
12 ...which is translated on right cola up in resort (8) Abbey. 5 The Barber of Seville. 6 São
Paulo. 7 Dr Thomas Arnold — as in
devices for listeners (6) 3 Ten rolling, lush rises in port for the novel Tom Brown’s Schooldays.
13 Frank beginning to feel anger is in storing goods (8) 8 Tiramisu. 9 The Reverend Richard
Coles. 10 Carl Jung. 11 Norman
order for troops (4,4) 4 Excluding guys in rubbish heap — Hartnell. 12 Somaliland. 13 Henry
15 Attempt to push back society they’re amazing (9) Fielding. 14 Fields Medal. 15 Once
Bitten. 16 Vince Staples. 17 Sigismondo
entertainer (4) 5 Lay claim to occupy no French Pandolfo Malatesta. 18 Geoff Hurst.
17 Love games after Pamplona’s island with lake (15) 19 Zhou Guanyu. 20 Cuba.
Concise Quintagram answers 1 Haze
leader is one releasing bulls (4) 6 What account providers do 2 Wiped 3 Jet ski 4 Glove box
19 Refuse to promote religious managed to raise amount of 5 Frequency.
interest? (7)
festival (4,4)
20 Man picked up fruit, making 7 Convince to do carpeting, but less
grand (4,4)
asinine utterance (3-3)
21 Protecting arrangement of sails, 8 Discard song — song intended to
be popular (3,5)
cross water (8)
14 Bank run with current and diverse
61 changes (9)

24 25 15 Tents on mountain maybe being
affected (4,4)
A £20 Waterstones gift voucher will be awarded to the senders of the first five correct solutions
opened on Thursday. Enter by post to: Times Crossword No 28,350, PO Box 2164, Colchester, Essex 16 African swamp-dweller quiet over
CO2 8LJ, or by email to: [email protected], with “Crossword 28350” in the subject line. Open online invoice (8)
to 18+, UK & ROI residents only. Winners and solutions will appear on Monday week.
17 Moralising Republican, beastly on
Name/Address................................................................................................................................................... the outside (8)
...............................................................................................................................................................................
............................................................................................................................................................................... 18 Unbalanced painter with no time
...............................................................................................................................................................................* to plug rubbish (8)

19 Key skill of one cutting power and
mains supply (7)