Search found 350 matches

by TedSwippet
July 16th, 2019, 4:49 pm
Forum: Brokers and Share Dealing
Topic: Alliance Trust Savings taken over by Interactive Investor
Replies: 91
Views: 3981

Re: Alliance Trust Savings taken over by Interactive Investor

I wonder if the people complaining about ii were clients who were with ii before the merger with TD Direct Investing? Whereas the people who are happy are the former TD folks? The reason I say that is because for TD clients there was really no change, as the interface and workings were adopted from...
by TedSwippet
July 15th, 2019, 3:19 pm
Forum: Passive Investing
Topic: Vanguard VWRL - the one stop solution?
Replies: 52
Views: 5678

Re: Vanguard VWRL - the one stop solution?

So overall, if i buy VWRL in GBP it's fair to say I get a global equity exposure and some exposure to a currency mix, however it is likely to more weighted towards dollars as the defacto currency of commodity markets and global trade. On the first clause, yes, On the second, following "however...
by TedSwippet
July 15th, 2019, 1:13 pm
Forum: Taxes
Topic: CGT Lettings Relief proposed changes
Replies: 11
Views: 1108

Re: CGT Lettings Relief [and other] changes

If anyone is interested in reading the summary of responses to the consultation document, it should be here... It's a less-than-riveting read, but it does nicely exemplify the government's approach to "consultation", which I find can generally be summed up as: ignore responses and press o...
by TedSwippet
July 12th, 2019, 4:05 pm
Forum: Passive Investing
Topic: Charges
Replies: 38
Views: 1662

Re: Charges

There are FTSE 250 and FTSE 350 Indexes which exclude ITs. If there's one for the all share, it's not widely used. In fact you only want to exclude ITs to the extent that they invest in UK shares. Some of the larger ones, Fidelity China and Fundsmith springing to mind invest outside the UK anyway. ...
by TedSwippet
July 12th, 2019, 2:07 pm
Forum: Passive Investing
Topic: Charges
Replies: 38
Views: 1662

Re: Charges

Can you not switch to Vanguard funds on your current platform? If you then wanted to move to the Vanguard platform , you would presumably stay in the market whilst the transfer took place. Probably not. HSBC's platform only supports a limited range of fund providers, and (perhaps unsurprisingly!) V...
by TedSwippet
July 12th, 2019, 9:11 am
Forum: Passive Investing
Topic: Charges
Replies: 38
Views: 1662

Re: Charges

Your thoughts would be much appreciated. In brief, with the FTSE all-share index you hold some stock directly, and other stock through an intermediate. This intermediate investment trust adds a second layer of costs. An analogy might be owning a big pile of raw peas but also several other packed an...
by TedSwippet
July 11th, 2019, 11:50 am
Forum: Retirement Investing (inc FIRE)
Topic: SIPP Choice
Replies: 5
Views: 503

Re: SIPP Choice

I am not a fan of % charges, so I am leaning towards fixed price SIPPS, Interactive Investor is looking favourite at the moment. Anyone else using II or similar fixed price SIPPS. I have SIPPs with both II and ATS. II will be taking over ATS later this year, so at some point I guess they will merge...
by TedSwippet
July 9th, 2019, 6:14 pm
Forum: The Natural World
Topic: Otter...or not?
Replies: 12
Views: 576

Re: Otter...or not?

A fitter fits; A cutter cuts; And an aircraft spotter spots; A baby-sitter Baby-sits -- But an otter never ots. Though sinners sin And thinners thin And paper-blotters blot I've never yet Had letters let Or seen an otter ot. A batter bats (Or scatters scats); A potting shed's for potting; But no one...
by TedSwippet
July 4th, 2019, 5:21 pm
Forum: Brokers and Share Dealing
Topic: Alliance Trust Savings taken over by Interactive Investor
Replies: 91
Views: 3981

Re: Alliance Trust Savings taken over by Interactive Investor

Is it typical for platform not to segregate crystallised and uncrystallised elements of a SIPP? How do they work out when you exhausted all your crystallised elements via draw down :?: It seems atypical, although I don't think Interactive Investor are alone. Anyway, I wrote up how I believe this wo...
by TedSwippet
July 4th, 2019, 2:13 pm
Forum: Brokers and Share Dealing
Topic: Ive had enough of interactive investor, recommendations?
Replies: 22
Views: 906

Re: Ive had enough of interactive investor, recommendations?

I got that error message when trying to set up a monthly payment from my ISA to my bank account. Apparently it is not possible. So I set up a monthly transfer from my ISA to dealing account and then a monthly transfer from my dealing account to my bank account which does the job... I got it on tryi...
by TedSwippet
July 3rd, 2019, 11:06 am
Forum: Brokers and Share Dealing
Topic: Alliance Trust Savings taken over by Interactive Investor
Replies: 91
Views: 3981

Re: Alliance Trust Savings taken over by Interactive Investor

I hold two accounts at ii, and they are linked, so I know they can do that. Makes it easy to move funds between them at the click of a button. I have a fully crystallised SIPP at II, and an uncrystallised one at AT. We already know that II don't segregate crystallised and uncrystallised elements of...
by TedSwippet
June 25th, 2019, 11:35 pm
Forum: Pensions - Practical Problems
Topic: TFLS and The Pension Service
Replies: 1
Views: 854

Re: TFLS and The Pension Service

A really good discussion with the PAS, here in all its glory ... I'm not sure I can see anything wrong with the PAS responses here. Are you conflating crystallising a pension with taking actual taxable drawdown? If so, they aren't one and the same. Crystallising means allocating a chunk of money fr...
by TedSwippet
June 2nd, 2019, 8:33 am
Forum: Brokers and Share Dealing
Topic: Switch from Interactive Investor
Replies: 20
Views: 1418

Re: Switch from Interactive Investor

I'm not sure whether it is more or less secure. Having to enter only part of the password means that if anyone detected your keystrokes, they still could not access your account. But needing all 12 characters makes it less likely that someone would get it right by accident. This paper contains some...
by TedSwippet
May 28th, 2019, 12:24 pm
Forum: Brokers and Share Dealing
Topic: Interactive Investor
Replies: 103
Views: 8215

Re: Interactive Investor

As for the SIPPS, I will have to look at the pricing again and post the comparison later. I'll save you the effort. Here is a like-for-like comparison, based on an investor with a SIPP balance above £50k and making monthly contributions into a pension. ⋅ Interactive SIPP, £120 SIPP fee pl...
by TedSwippet
May 28th, 2019, 8:52 am
Forum: Brokers and Share Dealing
Topic: Interactive Investor
Replies: 103
Views: 8215

Re: Interactive Investor

Just to give a good comparison - In 2016 I recall paying iii £80 per annum, checking today their fees are £240 per annum just to have an ISA and SIPP with them and £8 per trade... extremely overpriced. ... Both X-O and iweb offer cheap trades at £5.95 and £5 respectively... with no periodic charges...
by TedSwippet
May 27th, 2019, 9:02 am
Forum: Brokers and Share Dealing
Topic: FT: Switching your pension or ISA: why does it take so long
Replies: 4
Views: 2508

Re: FT: Switching your pension or ISA: why does it take so long

A year? I've made quite a lot of partial and full account transfers in the last few years and even the very worst where one broker effectively blanked the other didn't take that long. The best took a couple of weeks, and cash only transfers seem to move around the system quite freely. My last SIPP ...
by TedSwippet
May 21st, 2019, 8:25 pm
Forum: Brokers and Share Dealing
Topic: Where's left for a CREST account? CSD Twist the knife!
Replies: 53
Views: 1835

Re: Where's left for a CREST account? CSD Twist the knife!

I contacted the FOS and the FCA regarding the Charles Stanley situation, and the FOS referred me to this page on their web site. This searches old cases https://www.ombudsman-decisions.org.uk/ Interesting. Thanks for the steer and quotes here. It seems that AJB had a bit of a change of heart around...
by TedSwippet
May 21st, 2019, 5:18 pm
Forum: Brokers and Share Dealing
Topic: Where's left for a CREST account? CSD Twist the knife!
Replies: 53
Views: 1835

Re: Where's left for a CREST account? CSD Twist the knife!

... where I doubt the FCA would accept a contract that allows one party to make a massive increase in fees but which the other party cannot leave without incurring significant costs is fair. AJ Bell YouInvest has got away with this in the past. Not just once, but twice. In all known cases but one, ...
by TedSwippet
May 21st, 2019, 8:15 am
Forum: Polite Discussions
Topic: Milkshakes
Replies: 95
Views: 1730

Re: Milkshakes

Well I, for one, was utterly shocked when I read this news story. I mean, who on earth pays £5.25 for a over-sugary drink?
by TedSwippet
May 18th, 2019, 7:33 pm
Forum: Music, Theatre, TV and Film
Topic: Songs you'd prefer to NEVER hear again.
Replies: 46
Views: 1119

Re: Songs you'd prefer to NEVER hear again.

"Tears in Heaven", although I generally like Clapton, especially when in full-on blues mode as with the album "From the Cradle." And "Ebony and Ivory", probably the most insipid piece of musical output in modern history. For me, Stevie Wonder has the unique distinction ...

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