Albemarle & Bond Holdings

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    Price (Inc)

    These are the shares in the fund that pay out an income to clients. The income is made up of the total dividends – the money a company can pay out to its investors – from the companies in the fund.

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    Price (Acc)

    These are the shares in the fund that don’t pay out an income to clients. Any dividends – the money a company can pay out to its investors – are reinvested into companies in the fund. Despite no income, the shares should be worth more over time. Good incentive, eh?

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    Initial charge

    Some funds charge you when you first invest, which is aptly known as the initial charge. They’re usually between 3-5% but at Bestinvest, we usually don’t charge you a penny!

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    Annual management charge

    This is how much the fund management company charges to run the fund. It’s like paying a babysitter, dog sitter or house sitter (that makes well-informed, heavily researched changes to improve your baby/dog/house when needed).

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    Ongoing charges

    This stands for Ongoing Charges Figure. It’s the cost of running a fund and includes admin fees, manager fees, administration costs, etc.

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    Yield

    How much the fund is currently paying out in income to investors. It’s NOT to be confused with the overall growth of a fund – a very different thing indeed. It’s also NOT a guarantee of future pay-outs, just a snapshot. This is more what it’s not than what it is…

Prices as at 17 January 2018

Albemarle & Bond has been listed on AIM since 1995 and is one of the largest pawnbrokers in the UK. The group has grown its branch network by acquiring established businesses and opening greenfield sites. As the group only deals in gold and diamond jewellery the stock-in-trade is imperishable, free of obsolescence and always has intrinsic and measurable value. Albemarle is continuing to expand its business model by adding complementary services such as third party cheque cashing.

Fund summary

Sector Special & Other Finance
Structure X-AIM
Launched
Size £119m
Yield 0.00%
Charging basis
Dividends paid

Charges

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Investment process

Albemarle & Bond was founded in Bristol in 1986 as a pawnbroking service. The largest part of the business was, and remains, the issue of loans against the security of gold jewellery and diamonds. Following major strategic funding in 1998 the company doubled in size and is now the largest pawnbroker in the UK with 61 stores nationwide. While remaining committed to its pawnbroking origins, the company is continuing to improve its business model by adding complementary products and services. Albemarle & Bond has become a major retailer of second-hand and new gold jewellery, and has added two further strands to the loan business, namely Third-Party Cheque Cashing and Micro-Loans (PDAs – PayDay Advances). These additional income streams now generate as much net income as the original pawn business. Further expansion of the business is being actively pursued.

Manager research

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Bestinvest MRI

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Performance figures are based on the average of monthly percentage returns relative to the benchmark index.

Track record

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About the MRI

Our unique indicator: the Bestinvest Manager Record Index (MRI) measures the likelihood that the fund manager is adding value through their decisions. It is based on their performance record over the course of their career, adjusted for the amount of risk taken. MRI is an important contributor to our fund rating system but it is also vital to take account of qualitative factors. It is also very important to select funds to form a cohesive portfolio with an appropriate overall risk level.

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Key Investor Information

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