Trading the stockmarket (NO Referrals)

Guys, I have a bit of money to invest, happy to take a medium to long term view on it.

I don't have the time or expertise to invest directly in shares so was thinking about a FTSE linked/stocks & shares ISA, like this one from VM for example: www.http://uk.virginmoney.com/virgin/isa/stocks-and-shares/?gclid=CKq2-t6I-7sCFY3LtAodGU8AgA

Anyone got any views on this? Also, do you know if you benefit from any dividends from companies that the fund invests in with these sort of ISA's?

Thanks.

EDIT: Just read that divi's are added to ISA value.
 
Souleh said:
The sunday times article was certainly very positive towards it but its an interesting one alright. Put a bit of money on it this morning and its paid off my commission so far. Hopefully the news tomorrow is positive. GBX50 would be some leap if it goes as the editor predicts
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Yeah I dug in this morning also, and up 10% at the mo so it's look good so far and can only see it rising.

I believe the trading update is actually on Thursday however, think the Times got it wrong in they're article when they said Tuesday.
 
There's no point in paying the charges on that tracker because you can get a lot else with different ones and considering it's meant to track why pay more for something you can have for less, so ignore that Virgin one.

How much is a 'bit' to invest? Will you be adding more at later time points? I assume you'll want it in an S&S ISA. Do you just want to stick to the UK market or would you like to diservse more?
 
Azza said:
There's no point in paying the charges on that tracker because you can get a lot else with different ones and considering it's meant to track why pay more for something you can have for less, so ignore that Virgin one.

How much is a 'bit' to invest? Will you be adding more at later time points? I assume you'll want it in an S&S ISA. Do you just want to stick to the UK market or would you like to diservse more?
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Thanks mate.

I can lump in anything between £5k and £15k just now and top up with monthly's, say c. £100 per month thereafter. May add in further cash lumps down the line.

Just looking for something that's low personal management and would hopefully deliver a better return than a bog standard cash ISA. Reason I looked at S&S ISA's in the first place was to take advantage of a potential FTSE rise this year. Nothing more scientific than that!

Cheers.
 
BombayMix said:
This is widely regarded as the cheapest tracker around

http://www.hl.co.uk/funds/fund-disc...are-index-swip-foundation-growth-accumulation
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Thanks, looks interesting.

Dunce's question coming up: they refer to a "yield" of 3.3% (by way of dividend) and last years fund performance showing an annual return of 16.92%.

For last year, would this mean you would have received a dividend payout of 3.3% on invested sums and an increase of 16.92% on your investment, before tax, management costs etc?

Thanks.
 
Make said:
Vodafone share price will drop by the amount of distributed cash, I think it was 122p or something. At the same time, they will do a consolidation (2:1), so you will hold the same number of shares, but they are worth half of what they are now.

As for the dividend/verizon shares, I haven't decided yet.. I might keep the Verizons for later, as selling such a small amount of shares is expensive. If you wait, they pay a healthy dividend, and if they drop later, you can double your holding. That's of course if you believe that Verizon is a good investment in the first place. I think it's alright.
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The other problem is that the $$ has strengthened. When they originally announced the deal it was looking like an exchange of 112p per share. The comparison is now down to 105p per share. The exact price will not be known until the 24th Feb (the official date of this happening)
 
MaX_PoWah said:
I wish i had bought Easyjet shares right after Ryanair announced there results, i was looking at it at the time and thinking the markets reaction via the share price of Easyjet was ridiculous, and it was, it went up loads when they announced there own results which were good, plus you could put money in now and get a guarenteed 5% with the special dividend by the end of March ish.
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I can't believe tbh how EZYs shares keep rising. The dividends help push it up but I have masses of shares I got at £3 odd and another load at £9 and in between. Having to sit on them waiting for the tax free period is breaking my heart :D

Many people I work with have paid their mortgages off this year with Ezy shares they didn't even buy all of them in the first place.
 
guys do you know if its possible to sell shares before the settlement date or do I have to wait till then?

I have bought a few different shares over the years but I have always held them for a while so not sure if its possible.

cheers
 
Yep Easyjet definitely beaten the FTSE :p [share appears strong still] If the dividend is known, its in the price usually which means you get 5% income and the capital drops by 5% but then that excludes the idea the share might rise anyway meanwhile.
Free dividend is sorta a joke I think when a share is too cheap or perception is wrong, it can happen that a share rises on ex div but mostly it drops by the same amount it just paid

How about Royal Dutch Shell, too cheap ? Even though they rose 10% in the last month

top up with monthly's, say c. £100 per month thereafter. May add in further cash lumps down the line.
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I think its best to add the most in via monthly. That was my regret on my ftse tracker, lump was not the best coming off the tech boom. It took a while to settle, rise properly.
My saving grace was I reinvested dividends, accumulation type index.
Ditto 2008 May I started Asia Pacific index, I did a lump one and a monthly one and the monthly for obvious reasons did great though they were both good (sterling fell, never came back up so inversely that helps foreign based shares)

500k ounces gold at 3g per ton, which is pretty good and economically viable says CEO
28m market cap
CEY is £500m but mining 300k ounces a year ! at 2g per ton
13m oz indicated


guys do you know if its possible to sell shares before the settlement date or do I have to wait till then?
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You can sell shares a minute after you buy them if you want. Ive not heard of a broker doing otherwise though in theory you have to provide a share certificate in some cases, its trusted you are the owner. So cant think why not
 
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Royal Dutch Shell are rising off the back of there proposed repurchase of shares though ?

You can do monthly savings with Hargreaves now as well..
 
silversurfer said:
You can sell shares a minute after you buy them if you want. Ive not heard of a broker doing otherwise though in theory you have to provide a share certificate in some cases, its trusted you are the owner. So cant think why not
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thanks , my account was funded with settled funds when I bought the shares so it sounds like it would not be a problem if I did sell before settlement.
 
dannyjo22 said:
I can't believe tbh how EZYs shares keep rising. The dividends help push it up but I have masses of shares I got at £3 odd and another load at £9 and in between. Having to sit on them waiting for the tax free period is breaking my heart :D

Many people I work with have paid their mortgages off this year with Ezy shares they didn't even buy all of them in the first place.
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Sweet. Sharesave £250 a month ?

Do you work for easyjet?
 
I would be tempted to say take some profits or at least the original capital off the hype train.

VObc91I.jpg

If its already legal in large parts of the world, why havent they already made a ton of money. I guess USA is largest medical market in the world
GWPH on nasdaq

https://www.google.co.uk/finance?authuser=0&q=dia&ei=ghHUUqCqJozCwAPlygE

DIA was a good buy recently. Buying into LED tech on the cheap hopefully, robbie burns held this.
Im waiting for a retouch of 600 area but I probably should have pulled the trigger on this one. Selling volume last week was massive

Centricia I would like to buy at 300, they should do well outside UK and ok enough here to make 5% yield no problem and I expect growth.
Unpopular and I think I like them more for good income then BG BP or RDSB
 
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HummuH1 said:
Thanks mate.

I can lump in anything between £5k and £15k just now and top up with monthly's, say c. £100 per month thereafter. May add in further cash lumps down the line.

Just looking for something that's low personal management and would hopefully deliver a better return than a bog standard cash ISA. Reason I looked at S&S ISA's in the first place was to take advantage of a potential FTSE rise this year. Nothing more scientific than that!

Cheers.
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If you're looking for a long term investment 10+ years then I would (personally) look at diversifying more than just having that much in a single market. Spread out across different global markets maybe some bond allocation.

It's very simple to do yourself to put together a diversified portfolio of trackers. UK, Europe-ex UK, US equity, Japan, Asia-ex JPN, emerging markets maybe a couple of small cap if you liked, bonds, a specialist like property. All you would have to do is rebalance them when you seen fit (basically when you wanted to add more money), either quarter or half a year would be fine really.

You could also look at Vanguard Lifestrategy funds. They come in different equity - bond ratios.

https://www.vanguard.co.uk/uk/mvc/investments/mutualfunds#mf_fundstab

They are completely diversified funds that you could literally put money in and then forget about for years. Under £9600 Charles Stanley is the cheapest but over that then Hargreaves Langdon is because of their different fee structures.

This is a superb website that will help you a lot - http://monevator.com

BombayMix said:
This is widely regarded as the cheapest tracker around

http://www.hl.co.uk/funds/fund-disc...are-index-swip-foundation-growth-accumulation
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Yeah it is but it's only available through HL.
 
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