It has
" 16th largest bank in the USA has failed and been taken over by the FDIC."
" 16th largest bank in the USA has failed and been taken over by the FDIC."
Anyone used the services of Evelyn Partners?
Couple of questions:
1.
Am I right in thinking it's better to hold ETFs instead of funds on HL because of their platform fee structure?
This is very odd given the funds section of their website is much more prominent than the ETFs section, so I feel the need to double check.
£100k fund = £450 platform fee
£100k ETF = £45 platform fee (+£12 transaction fee)
Platform Fees: https://www.hl.co.uk/investment-services/isa/savings-interest-rates-and-charges
Fund example: https://www.hl.co.uk/funds/fund-dis...results/f/fidelity-index-world-class-p-income
ETF example: https://www.hl.co.uk/shares/shares-search-results/v/vanguard-funds-ftse-developed-world-ucits
2.
If I have a Vanguard ETF in HL like the above example. Which institution does the FSCS limit apply to? HL or Vanguard?
Just checking because I'll probably have to open another S&S ISA if the FSCS limit doesn't increase and I'd probably choose Vanguard and I'd want the FSCS protection.
Persimmon was tipped as too cheap. I think they or similar are seen as risky, I dont know the figures but high interest rates and a risk of decline is I suppose a worry. UK needs more housing will do for decades, if the company is sensible and funded that helps long term.
ETF vs fund cost is quite amazing. One provider offers not to charge at all but will only allow ETF which is doable tbh but that helps explain it. Are shares costed the same as ETF
BP declines to 480p possibly, is that the end of its rise
Anyone used the services of Evelyn Partners?
I like housebuilders shares after a crash, question is how low will it go. Interest rates will bite buyers, has that really fed in yet I'm not so sure. Some UK stocks are dirt cheap on expectations of apocalypse so if house sales don't fall off a cliff then its not a bad time to buy. I don't usually like individual shares with the majority of my investments in trackers but have dipped into a few recently in the gambling pot.Why I bought in, And a large amount for me.
I saw them as oversold and not going anywhere. Happy to ride out the high interest rates as, like we all know, the UK needs more houses.
Same mentality it have with EZJ. Don't see traditional air travel going anywhere. And they have relatively low debt and significant fuel requirements were already hedged.
Hoping for good recovery in these two
I like housebuilders shares after a crash, question is how low will it go. Interest rates will bite buyers, has that really fed in yet I'm not so sure. Some UK stocks are dirt cheap on expectations of apocalypse so if house sales don't fall off a cliff then its not a bad time to buy. I don't usually like individual shares with the majority of my investments in trackers but have dipped into a few recently in the gambling pot.
I am in at average cost of 1278. Also dividend incoming.I decided for myself that 1200-1300 was a good entry point. Seemed to find a floor there. And has bobbled about between 1200 and 1400 for a while.
I'm a little more positive (yeah.. I'm a little positive? Crazy) that rates have kind of peaked. And that with long term need for housing.. They will bounce back.
Also. Always chance of tories scheming a prop up.. And if a help to buy comes back.. That will help.
I mean it won't help the long term situation. But.. Tories.
Basically identical to me. Yeah, a reduced dividend, but it has to reduce. It was running at some ridiculous 13pc on current price.I am in at average cost of 1278. Also dividend incoming.
Yeah well in 10 years time we won't care about this reduced dividend we will be celebrating our capital gains. Too bad my shares are in a GIABasically identical to me. Yeah, a reduced dividend, but it has to reduce. It was running at some ridiculous 13pc on current price.
Checked. 1273 for me
I was all going OK.. Then USA woke up!Oof fallen off a cliff today. Seems like a few banks in the US are floundering.
Couple of questions:
1.
Am I right in thinking it's better to hold ETFs instead of funds on HL because of their platform fee structure?
This is very odd given the funds section of their website is much more prominent than the ETFs section, so I feel the need to double check.
£100k fund = £450 platform fee
£100k ETF = £45 platform fee (+£12 transaction fee)
Platform Fees: https://www.hl.co.uk/investment-services/isa/savings-interest-rates-and-charges
Fund example: https://www.hl.co.uk/funds/fund-dis...results/f/fidelity-index-world-class-p-income
ETF example: https://www.hl.co.uk/shares/shares-search-results/v/vanguard-funds-ftse-developed-world-ucits
2.
If I have a Vanguard ETF in HL like the above example. Which institution does the FSCS limit apply to? HL or Vanguard?
Just checking because I'll probably have to open another S&S ISA if the FSCS limit doesn't increase and I'd probably choose Vanguard and I'd want the FSCS protection.
Yeah well in 10 years time we won't care about this reduced dividend we will be celebrating our capital gains. Too bad my shares are in a GIA
We'll seeI don't think you will need to worry about capital gains from those holdings