Search found 211 matches

by Hariseldon58
November 12th, 2018, 12:09 pm
Forum: Passive Investing
Topic: World Equity Index tracking funds
Replies: 40
Views: 2989

Re: World Equity Index tracking funds

Regarding hedged indexes.

I'd be cautious in assuming that the hedging is as cheap as you think, or as effective as you might believe.

iShares have a link (regret I'm off out now and can't locate it instantly) which gives details on this and its much more complicated than you might expect....
by Hariseldon58
November 8th, 2018, 7:08 pm
Forum: Brokers and Share Dealing
Topic: Interactive Investor scraps exit fees
Replies: 16
Views: 565

Re: Interactive Investor scraps exit fees

@Ted I think it unlikely there will be a problem, but then I think of the things that one did not expect in 2006, that had occurred by 2009. The cost of adding ii is virtually nil, with the fees being available as credits to offset trades. The cost of adding HSBC will be low for me as well. It’s ver...
by Hariseldon58
November 8th, 2018, 9:46 am
Forum: Brokers and Share Dealing
Topic: Interactive Investor scraps exit fees
Replies: 16
Views: 565

Re: Interactive Investor scraps exit fees

Beaufort did leave a few investors out of pocket and some diversity of supplier is not a bad thing. In bad times, apparently unlikely events occur far more often than one might anticipate. Better to have £500k with four brokers than £2m with one, if you were unfortunate enough to be with the failing...
by Hariseldon58
November 7th, 2018, 9:33 pm
Forum: Brokers and Share Dealing
Topic: Interactive Investor scraps exit fees
Replies: 16
Views: 565

Re: Interactive Investor scraps exit fees

@mc2 fool

The transfer bonus is up to £2,000 depending on the amount transferred, I don’t believe there is a cap.

My original post was incorrect, I got too excited typing zeroes !
by Hariseldon58
November 7th, 2018, 8:35 pm
Forum: Brokers and Share Dealing
Topic: Interactive Investor scraps exit fees
Replies: 16
Views: 565

Re: Interactive Investor scraps exit fees

@TedSwippet There is a mention that the offer is for new transfers in, I’d check that Alliance Trust is ok before you do it. I took an incentive to join Hargreaves Lansdowne, which was pleasant and there seems to have been no downsides, with excellent service. I believe it is prudent to have multipl...
by Hariseldon58
November 7th, 2018, 6:14 pm
Forum: Gilts and Bonds
Topic: US 10 Year Treasury purchase?
Replies: 14
Views: 523

Re: US 10 Year Treasury purchase?

Before dismissing an ETF as against a single treasury bond, because the ETF has no maturity date, I think the choice is not quite so clear cut. The closest to a 10 year bond is the 5.25% maturing November 15th 2028 at $117.60, you know it matures at $100 and thus you will have a capital loss. There ...
by Hariseldon58
November 7th, 2018, 5:53 pm
Forum: Brokers and Share Dealing
Topic: Interactive Investor scraps exit fees
Replies: 16
Views: 565

Re: Interactive Investor scraps exit fees

Interactive Investors are offering incentives to transfer in of up to £2,000,000, deadline 31/12/2018, need to leave it with them for 12 months.

Personally I am with HSBC and Hargreaves, both of which are good but after Beaufort Securities, peace of mind suggests multiple brokers.
by Hariseldon58
November 7th, 2018, 5:50 pm
Forum: Investment Trusts and Unit Trusts
Topic: Alliance Trust
Replies: 40
Views: 2874

Re: Alliance Trust

@Steveam The Plus option allows international dealing and you can have a trading reserve account, this allows a cash account for funding trades and you can subject to approval borrow against your portfolio. The vanilla account pays for non ISA trades from your HSBC current account, subject to a fair...
by Hariseldon58
November 6th, 2018, 5:08 pm
Forum: Investment Strategies
Topic: Purchasing Method
Replies: 24
Views: 1208

Re: Purchasing Method

ref Making 4 trades every month will be the worst solution, since that is 4x the trading fees and the underlying performance will also be no better. Really... £2,000 a month, trading cost is around an extra £4.50 a month, you get to sample the volatility of the share price 12 times, versus 4 times y...
by Hariseldon58
November 6th, 2018, 4:51 pm
Forum: Investment Trusts and Unit Trusts
Topic: Woodford Patient Capital - Why?
Replies: 20
Views: 1212

Re: Woodford Patient Capital - Why?

Woodford Patient Capital is a more attractive investment now, then it was at launch......

Woodford is hugely out of favour at present but who knows...
by Hariseldon58
November 6th, 2018, 4:44 pm
Forum: Investment Trusts and Unit Trusts
Topic: Alliance Trust
Replies: 40
Views: 2874

Re: Alliance Trust

@steveam With regard to income from VERX and VJPN, the income just appears in £ It all works well, the telephone dealing service is fine , bit pricey for Gilts though, online dealing and reporting is fine. As stated previously, the paper statements are not user friendly, but online transaction repor...
by Hariseldon58
November 5th, 2018, 4:01 pm
Forum: Property Investment Discussions
Topic: So you thought land banking was dead?
Replies: 24
Views: 1850

Re: So you thought land banking was dead?

Interesting thread I used to work in Wraysbury in the 80’s and the nature of my job allowed to go pretty much anywhere in the area. The houses that are there, are on strips either side of the road in general, dating back to less regulated days, and I’d be surprised that any development takes place. ...
by Hariseldon58
November 5th, 2018, 3:07 pm
Forum: Investment Strategies
Topic: Minimising Costs - 'What Does 1% matter?'
Replies: 9
Views: 592

Re: Minimising Costs - 'What Does 1% matter?'

Another thought , buy an Investment Trust on a 10% discount to NAV , employing 15% gearing.... The charges will be around .75% higher than a tracker. You can enjoy the return on assets that came for “free” can easily completely offset your costs., to become gains. Recently added one IT on a 20%+ dis...
by Hariseldon58
October 30th, 2018, 3:11 pm
Forum: Investment Strategies
Topic: Purchasing Method
Replies: 24
Views: 1208

Re: Purchasing Method

Over 20 years then all three methods should work just fine. No one will know until afterwards which is the best approach. 1) and 3) are pretty similar, 1) is probably a bit cheaper but I'd prefer 3) its so simple. 2) I see where are you going, but it could become tricky if one asset keeps falling fo...
by Hariseldon58
October 30th, 2018, 2:56 pm
Forum: Investment Trusts and Unit Trusts
Topic: Alliance Trust
Replies: 40
Views: 2874

Re: Alliance Trust

@steveam The insurance has been simplified re pre existing conditions and have added to the cover over the years, you never know with these schemes until you need too..... I have extended cover to nearly three months (30 days included) whilst I travelled around South America earlier this year for a ...
by Hariseldon58
October 29th, 2018, 12:16 pm
Forum: Investment Trusts and Unit Trusts
Topic: Alliance Trust
Replies: 40
Views: 2874

Re: Alliance Trust

@Dod

Little bit O/T....With HSBC dealing account if your balance is £500,000 plus, then you can promote yourself from Premier to Jade, incl free travel insurance to 80 rather than 70, could be worthwhile in later years if one travels.
by Hariseldon58
October 29th, 2018, 12:11 pm
Forum: Property Investment Discussions
Topic: Choosing an estate agent
Replies: 15
Views: 1177

Re: Choosing an estate agent

@TahiPanasDua I'm sure there are good agents, regarding the flat it was apparent to me that a fairly new flat, looking spick and span, ready to go for a landlord would attract viewers, as it did. (The initial buyer failed in her mortgage and I released around 4 weeks on, the second time I had three ...
by Hariseldon58
October 28th, 2018, 8:43 pm
Forum: Property Investment Discussions
Topic: Choosing an estate agent
Replies: 15
Views: 1177

Re: Choosing an estate agent

I have done freelance property photography for some of the online agents. If the property is well presented and described, the vendor able to talk confidently to potential purchasers, the property sensibly priced etc, an online agent works well. Good pictures (not too many really help) I sold three ...
by Hariseldon58
October 26th, 2018, 8:58 pm
Forum: Investment Trusts and Unit Trusts
Topic: Personal Assets v Capital Gearing v RICA?
Replies: 61
Views: 3804

Re: Personal Assets v Capital Gearing v RICA?

The problem with saying I expect 5% nominal or 8% nominal, from an Equity portfolio going forward, is that equity returns are very lumpy... I have run a 90%+ equity portfolio, which I would describe as balanced (well I would , wouldn't I :D ) and I have had around 12% annual returns since 1990 and o...
by Hariseldon58
October 26th, 2018, 8:21 pm
Forum: Investment Trusts and Unit Trusts
Topic: Alliance Trust
Replies: 40
Views: 2874

Re: Alliance Trust

@Dod HSBC Invest Direct works well online, one or two ETFs they didn't offer, after being contacted, they subsequently offered. Telephone service backup was helpful if you had online dealing issues (at no additional charges) So despite the rubbish paper statements I quite like the service (online tr...

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