Trading the stockmarket (NO Referrals)

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.
 
I hold efs with Vanguard i am thinking the fees are low compared to a fund as there's no fund managers to pay maybe, i am under 80k but i read Interactive investor becomes cheaper on higher amounts, my fees are peanuts tbh equal to a few bottles of cheap red a quarter
i enjoy watching the live prices if i am being honest and collecting the dividends (over 4 percent on my vuke) you can do a free purchase if you join a bulk buy the next day but i enjoy doing a live trade for £7.50 if i am doing a decent amount
 
throwaway4372 said:
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.
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1. Yes the annual account fee for holding ETT's are 0.45% capped at £45 per year
2. It would apply to HL in that example, if you held the Vanguard ETF direct with Vanguard then the FSCS would apply to Vanguard.

That's how I understand it.
 
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Sweet.
I'm guessing the talk of help to buy returning is boosting house builders?

Persimmon is my 3rd biggest holding (behind ezj and aviva), (average of 1270p). I bought for the recovery when rates fell. So this may be a flash in the pan rise.
 
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
 
silversurfer said:
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
Click to expand...

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
 
413x said:
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
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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.
 
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200sols said:
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.
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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.
 
413x said:
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.
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I am in at average cost of 1278. Also dividend incoming.
 
200sols said:
I am in at average cost of 1278. Also dividend incoming.
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Basically 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
 
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413x said:
Basically 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
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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 :p
 
Complete man logic here, but given i sold my BP shares to part fund the new car, they've dropped around 12%. In theory that's £400 saved from the drop.

Covers the loan interest from the other borrowing :D
 
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throwaway4372 said:
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.
Click to expand...

The cap of £45 per year is from stocks and etf's inside an ISA, in a normal account there is no ongoing fee for holding etf's/stocks

Its better yes, but only with a larger portfolio, the newer person who is just starting should stick to funds until they get up to somewhere over £30k or so.

#2 has come up before, what exact protection do you believe you get from holding 2x85k, vs 1x170k where the holdings are in ETF's and not cash, nobody can explain this previously.
200sols said:
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 :p
Click to expand...

I don't think you will need to worry about capital gains from those holdings :)
 
Martynt74 said:
Complete man logic here, but given i sold my BP shares to part fund the new car, they've dropped around 12%. In theory that's £400 saved from the drop.

Covers the loan interest from the other borrowing :D
Click to expand...
If this was true man logic, you'd have allocated that £400 'saved' to some treat or other :D

Kinda umming and washing about where to put money this month. Put enough into the EV manufacturers in this dip.

Kinda thinking MSFT is going to be a good hold long term with their positioning on AI, but buying near ATH puts me off.
 
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