Search found 331 matches

by TedSwippet
May 18th, 2019, 7:33 pm
Forum: Music, Theatre, TV and Film
Topic: Songs you'd prefer to NEVER hear again.
Replies: 33
Views: 449

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 ...
by TedSwippet
May 18th, 2019, 10:56 am
Forum: Passive Investing
Topic: Charges
Replies: 31
Views: 929

Re: Charges

It is possible to invest in passive funds directly and therefore avoid the platform fee. Can you give an example? Investing with HSBC directly triggers their 0.25% platform fee, and investing with Vanguard directly triggers their 0.15% platform fee. This despite the fact that in some cases these 'p...
by TedSwippet
May 16th, 2019, 8:48 am
Forum: How Do I Invest
Topic: Make your own simple hands-off investment with limited funds available?
Replies: 9
Views: 446

Re: Make your own simple hands-off investment with limited funds available?

As I kinda understand it, buying ETFs managed in Ireland, but listed on the UK stock market would mean avoiding UK tax issues (cos Ireland) and maybe avoiding currency exchange fees (cos UK market = denominated in GBP?) If you buy ETFs which track US markets, wherever they are based, US withholding...
by TedSwippet
May 15th, 2019, 12:58 pm
Forum: Passive Investing
Topic: Charges
Replies: 31
Views: 929

Re: Charges

I guess it is a toss up between iweb and Vanguard but leaning towards iweb with their zero platform fee. If you plump for iWeb, probably best to move your holdings intact, rather than as cash. You could switch to the Vanguard equivalent inside iWeb after the move (or perhaps in HSBC before the move...
by TedSwippet
May 15th, 2019, 12:10 am
Forum: Passive Investing
Topic: Charges
Replies: 31
Views: 929

Re: Charges

The ISIN was GB0000424886. I hold income units. Wait, "was?" Do you still hold this fund? If yes, it's definitely the more expensive 'retail' class: https://markets.ft.com/data/funds/tearsheet/summary?s=GB0000424886:GBX It's 'clean' class C equivalent is GB00B80QFW04: https://markets.ft.c...
by TedSwippet
May 14th, 2019, 6:44 pm
Forum: Retirement Investing (inc FIRE)
Topic: Portfolio Regig to ETFs
Replies: 10
Views: 1151

Re: Portfolio Regig to ETFs

Im tyding up 20+ years of stuff into 3 ETF's ... Part of the prompt is the foolish plan to migrate to the USA. Taxation in the USA is horrendous. Which ETFs? Note that once you become a US resident, holding any non-US domiciled funds or ETFs is a usurious living nightmare, one that can over time co...
by TedSwippet
May 14th, 2019, 6:17 pm
Forum: Passive Investing
Topic: Charges
Replies: 31
Views: 929

Re: Charges

I have just checked and I was moved to the C class of HSBC's UK all share tracker fund In September 2017 as the option to remain in retail class was removed. After RDR in 2012 I was offered the choice of remaining in the legacy class (retail) or moving to Clean share (C) and opted to remain in Lega...
by TedSwippet
May 13th, 2019, 6:24 pm
Forum: Passive Investing
Topic: Charges
Replies: 31
Views: 929

Re: Charges

Thank you for your detailed explanation. It appears that holding the HSBC equivalent through iweb is is far less than I am currently being charged. Why do you think this is? In the Costs and Charges statement that I have just received for 2018/2019 from HSBC, service costs are 0.25% at £156.36 and ...
by TedSwippet
May 13th, 2019, 2:42 pm
Forum: Passive Investing
Topic: Charges
Replies: 31
Views: 929

Re: Charges

I hold a high 5 figure sum and drip feed in £250 a month by ddm so I am buying units on a monthly basis and reinvest the divis twice half yearly. There is no account fee in the links above but as you say the OCF is 0.07 but there is a transaction fee of 0.50% which would make the annual TER 0.57% w...
by TedSwippet
May 13th, 2019, 10:02 am
Forum: Passive Investing
Topic: Charges
Replies: 31
Views: 929

Re: Charges

Reason I ask because I have been looking at various trackers and this was one of them but the on-going charge is only 0.07% with Iweb, currently priced at £5.95. The Vanguard one GB00B3X7QG63 is 0.08 but currently at £202? The price of a fund isn't really relevant to you as an investor. It's just a...
by TedSwippet
May 13th, 2019, 9:09 am
Forum: Passive Investing
Topic: Charges
Replies: 31
Views: 929

Re: Charges

I have looked at Vanguard All Share Tracker which I have found has an account fee of 0.22% but have not been able to find if there is an additional product cost fee. Can someone possibly shed some light on this? As mentioned already by Alaric , your problem here is probably a combination of 'platfo...
by TedSwippet
May 5th, 2019, 7:06 pm
Forum: Pensions - Practical Problems
Topic: SIPP Inheritance
Replies: 11
Views: 1011

Re: SIPP Inheritance

Wait for a market crash, and then crystallise the pension. LTA is only measured at the crystallisation event, I think. Needs checking That might be one way to limbo under the LTA, but it's very risky and uncertain. The crash might not come when you need it. Or it might not be as deep as you need it...
by TedSwippet
April 10th, 2019, 10:27 pm
Forum: Brokers and Share Dealing
Topic: Interactive increases monthly charge
Replies: 42
Views: 1925

Re: Interactive increases monthly charge

The main downside would be for folks who never trade. But how many manage that? And why should the rest of us subsidise their inaction? I never trade. I hold accumulation units in passive trackers, wrapped in a SIPP that I am not currently paying into. I do however pay a sizeable platform fee that ...
by TedSwippet
April 5th, 2019, 2:22 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Used my CGT allowance
Replies: 15
Views: 859

Re: Used my CGT allowance

One also has to watch the xd dates, be silly to miss a divi. Would it, though? In general, on its ex-dividend date a stock's price will drop by an amount equivalent to the dividend to be paid. In this case, by missing a dividend you would then buy back at a lower price than if there had been no div...
by TedSwippet
March 27th, 2019, 7:30 pm
Forum: Passive Investing
Topic: World-USA Tracker?
Replies: 3
Views: 419

Re: World-USA Tracker?

monabri wrote:Some possible candidates. ...

My guess is that both of these are US domiciled, and so won't supply a KIID. In which case, the PRIIPs regulations mean that brokers won't let EU residents trade in them.
by TedSwippet
March 27th, 2019, 9:06 am
Forum: How Do I Invest
Topic: ISA providers and charges
Replies: 9
Views: 1112

Re: ISA providers and charges

... or whether for this years ISA I should open an account with Halifax Share Dealing, who are one of the cheapest? As already noted, which platform will be the most cost-effective for you depends entirely on your requirements and on what you plan to invest in on it. If you enter some details and a...
by TedSwippet
March 7th, 2019, 7:03 pm
Forum: Passive Investing
Topic: Acc vs Inc and Bed & Breakfast and Capital Gains
Replies: 6
Views: 535

Re: Acc vs Inc and Bed & Breakfast and Capital Gains

If the above isn't allowable, then i will probably sell LS 80 inc and buy VWRL in its place, and then vice versa at some point next year, to take advantage of any capital gains. VWRL and LS 80 are not really equivalent (specifically, LS 80 has both a bond component and a UK bias, neither of which e...
by TedSwippet
February 28th, 2019, 7:16 pm
Forum: Computers, TVs & Phones
Topic: Disposal of a tablet or two…
Replies: 25
Views: 778

Re: Disposal of a tablet or two…

Certain areas of the touch screen became inactive, so it was impossible to enter the password to be able to use it. Mine too. It was a nice device before. Problems started about six months ago at the bottom of the screen when in portrait mode. Usually solvable by turning it through 180 degrees as n...
by TedSwippet
February 14th, 2019, 12:08 pm
Forum: Passive Investing
Topic: Vanguard VWRL - the one stop solution?
Replies: 49
Views: 4626

Re: Vanguard VWRL - the one stop solution?

The underlying investments themselves are 53% USD and the ETF itself from the investors' aspect is a USD one. The clue is in the name: FTSE All-World UCITS ETF (USD) Distributing (VWRL ). All true, but this does not mean that VWRL introduces any additional forex drag in the way you originally claim...
by TedSwippet
February 14th, 2019, 10:04 am
Forum: Passive Investing
Topic: Vanguard VWRL - the one stop solution?
Replies: 49
Views: 4626

Re: Vanguard VWRL - the one stop solution?

The reason is to avoid forex. VWRL introduces forex drag. With VWRL you are using GBP to buy a US$ assets, hence there is forex, even though it's opaque to you. VWRL in and of itself will not introduce forex drag. VWRD and VWRL are both denominated in USD, but it does not necessarily follow that tr...

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