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The average price-to-earnings (P/E) ratio of the FTSE 100 has been around 14 to 15 over the long term. Right now, the Lloyds P/E is only 6.5.

About three-quarters of the trust’s assets are in the UK. The current biggest holding is Legal & General, with Aviva taking the third spot. Royal Dutch Shell is sandwiched in between. The trust is managed with a contrarian approach, and that shows from its big investments in these two depressed sectors – sectors I definitely consider risky now. Still, Lloyds did report a 6% rise in other income, which it said is a sign of continued recovery. But it’s seeing increases in competition for savers’ cash too. Deposits down And with a price-to-earnings ( P/E) ratio as low as 7.5, there might even be some share price gains to come.

I've been a Fool for over a decade, and am proud to currently call myself the Editor in Chief of TMF UK. I follow Foolish investing principles, and buy shares in quality companies throughout both bull and bear markets! Foolish Freelancers

And on that score, I see a forecast price-to-earnings ( P/E) ratio of only 6.5, and set to fall. And there’s a dividend yield of 5% on the cards, also on the up. The update did point out that “ Ocado Retail is in the early stages of restoring direction and profitability.“

But, the City still expects pre-tax profits from the FTSE 100 to rise by 10% this year. That’s above even today’s inflation. It might look good to be paying 8% and more. But I think the market can see through it. Just look at the size of those price falls. They’re the biggest of the bunch, over both 12 months and five years. Fears overdone I already thought Lloyds shares were among the best value in the FTSE 100. But after these falls, the market puts them at only around half the average Footsie valuation. That just can’t be right.

We should be making lists of shares we think are cheap, to buy if they get even cheaper. So, which ones? Ben is an investment writer. He's been managing his own pension and ISA portfolios for a number of years. His approach aims to balance growth and income styles of investing. Owain is a magpie of the investing world -- and not because he gets into a flap. Almost any style of investing might suit him, depending on the bigger picture, and he's held all sorts of companies. Paraphrasing Keynes, he says: “When the market changes, I change my mind -- what do you do?” Andrew is a committed value investor who follows the principles of Benjamin Graham in building his portfolio. In particular, he uses macro trends from the wider business environment to build his investment thesis. His approach to investing has been largely influenced by the principles of Warren Buffett and Peter Lynch. He also takes a special interest in the work of healthcare companies. Outside of investing, Mark plays guitar, enjoys good writing and has a guilty passion for combat sports.My first loves were Maths and Physics. After studying Maths, Stats and Computer Science in the late 80s, I worked in the financial sector from 1987 to 2002. I then joined The Motley Fool's writing team in January 2003 and left in November 2005. Since then, I have been a freelance financial writer. My primary goal is to help people manage their money better by making sensible financial decisions! Now, the doom-mongers might be right. In fact, over the next year or too, there’s a fair chance they will. The banks really do face a tough time right now. But we shouldn’t forget that Rolls-Royce was struggling even before the pandemic. In the two years prior to the Covid crash, Rolls shares were down 35%.

But for those with a positive view of housebuilding for the long term, I think this could be a great choice right now. Investment trust Based in London, Edward is a freelance investment analyst/writer who has clients all across the world. Before launching his own investment content business in 2017, he spent 15 years working in private wealth management and institutional asset management in the UK and Australia. They might be wrong, the dividend might falter, and the share price might fall. But just think of the passive income I could build if I can snag yields like these, and keep them coming. What if?Investing in tomorrow's world! I'm focused on identifying growth companies with durable business models and sustainable competitive advantages. My specialty is the Technology Sector but eventually, all companies will incorporate technology elements into their businesses. But those who take on the risk and buy today could secure that 10%. And that’s the kind of yield that can provide long-term riches. Right now, some Cash ISAs offer 4% on a fixed one-year term. So I can understand people taking a break from shares to stash cash there for a year. But I don’t want to do that. The bank has kept its full-year outlook pretty much flat, when the City expected a boost. That reflects the pressures the financial sector still faces for the rest of 2023.