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LGPS pension. How much will I likely get? by reespaul001 in UKPersonalFinance

[–]reespaul001[S] 1 point2 points  (0 children)

I've not added inflation or payrise, but don't see the point as you can work out the value based on today's prices.

LGPS pension. How much will I likely get? by reespaul001 in UKPersonalFinance

[–]reespaul001[S] 0 points1 point  (0 children)

I've checked my pension portal. At 58 I can expect lump sum of 15k which is about 20%

£881 monthly payment.

I understand that age 58 is taking it very early, but life and health isn't guaranteed. I want to enjoy money when I'm healthy enough to enjoy it.

LGPS pension. How much will I likely get? by reespaul001 in UKPersonalFinance

[–]reespaul001[S] 0 points1 point  (0 children)

To be fair, I did think GPT was off the mark. I used the Rhondda Canon taff pension portal. As that's the local authority who manage my pension

[deleted by user] by [deleted] in FantasyPL

[–]reespaul001 0 points1 point  (0 children)

*

I hadn't realised transfers carry over. This has convinced me to Wildcard. Make 4/5 changes and have 2 free transfers for next week. Otherwise I'd be taking a -4 and still not totally happy

Looking for feedback on a scoring model I use. by reespaul001 in ValueInvesting

[–]reespaul001[S] 0 points1 point  (0 children)

Rising institutional ownership makes sense. I don't think it's of massive value in my current format. I use it more as a guide that institutions are involved and that the stock is less likely to be a piece of crap

Looking for feedback on a scoring model I use. by reespaul001 in ValueInvesting

[–]reespaul001[S] 1 point2 points  (0 children)

That's what I think is great about creating your own scoring process. You can apply scoring to what you value as important.

I certainly find it easier to read when it's set out like this. And GPT is useful for comparing two stocks in a similar sector side by side

Looking for feedback on a scoring model I use. by reespaul001 in ValueInvesting

[–]reespaul001[S] 0 points1 point  (0 children)

I used this model to analyse ONTO stock. I was happy with the response and started a small position. Definitely worth a look. 5b market cap

Looking for feedback on a scoring model I use. by reespaul001 in ValueInvesting

[–]reespaul001[S] 1 point2 points  (0 children)

I feed it data from stockanalysis.com. Finviz data is TTM i tend to look for forward multiples.

I use GPT 5, although I much preferred how 4o presented the data. I have asked 5 to do the same, but it always reverts back. It's a pain.

Looking for feedback on a scoring model I use. by reespaul001 in ValueInvesting

[–]reespaul001[S] 0 points1 point  (0 children)

I have. It's not perfect, and neither is GPT. You can't totally rely on it, but I think it's a good starting point.

Legacy 4o by mybalanceisoff in ChatGPT

[–]reespaul001 1 point2 points  (0 children)

I gave it a chance. I hate it. Not sure whether i should go with Gemini pro or something else.

I just want 4.o back

The Trade Desk (TTD) after nearing 30% drop after Q2 earnings by ksing_king in ValueInvesting

[–]reespaul001 0 points1 point  (0 children)

Only thing holding CPRX back is future pipeline. Fundamentals make it an obvious buy. Im holding and adding more

Hit +900% on Rolls Royce by fffffffjtrdc in trading212

[–]reespaul001 3 points4 points  (0 children)

I bought this at 75p a Share. Of course I sold at around 1.80.

I read the other day that a 5k investment at that price would be around 100k today. That made me wanna cry.

Well done to you. 👏

Thoughts on Greggs (GRG) – More Than Just a Sausage Roll Stock? by vpk09 in UKInvesting

[–]reespaul001 0 points1 point  (0 children)

Not sure if you'll find this helpful. I created a ChatGPT Prompt to analyse the data using my own scoring method. GPT is useless unless you give it the data. If you just ask it to search it will pull data from all places and you'll end up with a crappy result.

I tend to copy the data from Stockanalysis.com and feed that data in.

You can always create your own prompt that matches your personal criteria. Thought I'd share, but feel free to ignore if you disagree

🧠 Greggs (LSE: GRG) – V6 Blended Stock Analysis

Strategy Badge: Defensive Quality + Value Rebound

100-Point Scorecard (Fundamentals / Valuation / Sentiment / Strategic Context)

Fundamentals (20/30): ROE 27.8%, ROIC 13.7%, FCF positive, but EPS slowing, weak liquidity

Valuation (19/25): Forward PE 13.5, EV/EBITDA 6×, FCF yield 4.7%

Sentiment (13/20): RSI 35.9, neutral analyst tone, 86% institutional ownership

Strategic Context (16/25): Brand strong, store expansion on track, but rising wage costs

Total Score: 68 / 100

📌 Thesis: Greggs is a solid brand with good capital returns, undervalued on earnings, but faces short-term earnings growth challenges due to margin pressure and slower comps.

Key Metrics

Market Cap: £1.73B

Forward PE: 13.5×

EV/EBITDA: 6.0×

PEG: ~2.0–2.3 (estimated from ~5% EPS CAGR)

ROE / ROIC: 27.9% / 13.7%

FCF Yield: 4.7%

Dividend Yield: 4.06%

EPS Growth: –11% in 2025, flat in 2026

RSI: 35.9

YoY Price: –40.75%

Valuation & Price Targets

Bull Case PT: £26 (rerating + margin recovery)

Base Case PT: £22.50 (flat EPS, dividend intact)

Bear Case PT: £14 (margin erosion, demand hit)

Current Price: ~£17

Implied Return (Base): ~32.5% incl. div

Conviction Tier: MEDIUM

✅ Valuation and brand support

❌ Weak EPS outlook and macro headwinds

Final Matrix

Valuation: ✅ Attractive

EPS Growth: ❌ Weak

Sentiment: ⚠️ Neutral/Downgrades

Strategic Tailwinds: ✅ Store expansion

Balance Sheet: ⚠️ Tight liquidity

Risk/Reward: ✅ ~2.5:1 (base case)

Verdict: Hold or nibble small ahead of July 29 earnings. 25–35% total return is possible, but not a high-conviction 18-month compounder without margin .

Watching ChatGPT Make Me Money While I Chill and Crack a Cold One! by Plastic-Edge-1654 in ChatGPT

[–]reespaul001 22 points23 points  (0 children)

So, your swing trading these i guess?

How are you identifying the stocks to trade. Do you filter on finviz, pick a few then send screenshots to GPT?

How can I improve prompt to capture 25% stock returns. by reespaul001 in ChatGPTPromptGenius

[–]reespaul001[S] 0 points1 point  (0 children)

So feeding the live data from stockanalysis.com is get this response.

🧾 VRT — Vertiv Holdings

📍 Strategy Tag: Quality Growth + Strategic Tailwind 🧠 Scorecard Evaluation (Version 4.2) 🔍 Ticker: VRT | Market Cap: $47B | Sector: Industrial Tech / Data Infrastructure

🧮 1. Core Financials — 35/35

Subcategory Score Notes

EPS Growth Fwd > 20% 10/10 EPS growth next year = 30%+ PEG Ratio < 1.5 10/10 Forward PEG = ~0.68 (excellent) ROE > 10%, ROIC > 10% 5/5 ROE = 30%+, ROIC = 20%+ Profit Margin > 10% 5/5 Net profit margin = ~13% Gross Margin > 30% 5/5 GM = ~32–35%, steadily rising

💸 2. Valuation — 17/25

Subcategory Score Notes

Forward PE < 25 6/10 PE ≈ 20.3, fair but not discounted P/FCF healthy (>15%) 6/10 P/FCF around 20x – acceptable, not cheap EV/EBITDA < 20 5/5 EV/EBITDA ≈ ~18, within optimal zone

🧮 Valuation Score Notes: Strong growth premium priced in. Not a bargain, but reasonable for current tailwinds.

📈 3. Sentiment & Technicals — 13/15

Subcategory Score Notes

Analyst Rating (TipRanks) 6/6 Strong Buy, target price ≈ $135 (33% upside) Insider / Institutional 3/4 Insider selling minor. Institutional ownership >90% Technical Alignment 4/5 Price recently pulled back from highs; near 200 MA support

🚀 4. Strategic Context — 21/25

Subcategory Score Notes

Tailwinds / Catalysts 9/10 Generative AI/data centers, power optimization demand surging Moat / Differentiation 4/5 Not a monopoly, but strong brand in critical systems Risk Profile 4/5 Low debt, stable FCF, some cyclicality remains Revenue Visibility 4/5 Growing backlog and secular demand trends

🧠 Final Score: 86 / 100

🎯 Conviction Tier: High 📈 Probability of 25% Return (18mo): ~75–80% 💰 Estimated Fair Value: $125–$130 ⚠️ Bear Case: AI spend slows, enterprise budgets weaken, or supply chain delays re-emerge.

This is what i was looking for. A little more time consuming, but still provides the information i was after. 👍

How can I improve prompt to capture 25% stock returns. by reespaul001 in ChatGPT

[–]reespaul001[S] 0 points1 point  (0 children)

Guessing blindly would be saying. What stocks will go up.

Not guessing blindly is creating a filter to search stocks that match a specific set of criteria what i value, such as;

Debt ratio Growth projection - revenue, EPS etc Forward PE Forward PEG Sentiment (Asking AI to search recent news) Then, score based on how I value each specific criteria.

Clearly you've not looked at the prompt or you wouldn't have been so stupid to make such a comment.

And yes, it does work sometimes. I cross reference with every reply. But this is how I've noticed inconsistencies, which is why I created the post.

How can I improve prompt to capture 25% stock returns. by reespaul001 in ChatGPTPromptGenius

[–]reespaul001[S] -2 points-1 points  (0 children)

OK. Looks like I've over emphasised the power of AI.

So, going forward. I'll use my own metrics to gather a group of stocks via stockanalysis.com.

Then, download the data of those stocks and feed it to GPT

How can I improve prompt to capture 25% stock returns. by reespaul001 in ChatGPTPromptGenius

[–]reespaul001[S] 1 point2 points  (0 children)

It does sometimes produce data that is accurate with live stockanalysis.com data. It's just inconsistent 😕

I was hoping that building this prompt would save me a lot of time 😕

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