When to buy

I'm going to buy Lloyds bank, shares that is but not yet, I may just wait till just before it goes ex-div.

What does that mean I hear you ask, ex-div means you by the shares but not the right to any dividend this time.

So if you buy just before they go ex-div then you get the dividend.

The theory is the share price drops by the value of the dividend when they go ex-div so you don't really lose out. I've never actually checked this tho'!

But if I buy the bank I have to buy some bonds/or gilts so I'm looking into that as well first, why do you have to buy bonds or gilts? Well it's to keep the balance of 60/40 in Equities/Bonds-gilts-property-cash.