Trading the stockmarket (NO Referrals)

Cavallino · 2025-02-22T21:49:35+0000

D.P. said:
And the reason for all world is to diversify risks from US. Even irrespective of the current insanity, it is a bit of a gamble to go all in on US stocks. Other developed markets might do better long term, no one knows, so splitting the risk is a simpler, safer strategy. We kind of saw this in action yesterday when US defense companies took a beating while Europe defense companies surged, thereby on an all world tracker like VT these big swings cancelled out. Also, something like S&P500 is very heavily tech focused, so not very diversified , risky especially given the P/E

I cant seem to find VT on Vanguard when I search for it under "invest now"...

slinxy · 2025-02-22T21:50:08+0000

Cavallino said:
Folks, is HL that bad? Some of you mentioned theyre very expensive, can you break it down for in terms of a comparison between say T212 and HL?
Reading about T212 and this lark about beneficiary owner, I know theyre regulate and all the rest of it, but just doesnt sound "right".
Overreaction?

HL fees vs AJ Bell

AJ Bell vs Hargreaves Lansdown

Compare AJ Bell to Hargreaves Lansdown. From charges on funds, shares and ISAs to how they compare on reaching your financial goals. Read more on Boring Money.

www.boringmoney.co.uk

Trading 212 vs Hargreaves Lansdown 2025

uk.stockbrokers.com

HL Fees vs Ineractive Brokers

Interactive Brokers vs Hargreaves Lansdown 2025

uk.stockbrokers.com

HL are pretty much the most expensive broker, you can google HL fees compared to x fees for a break down

What HL do, is give you newsletters and their own company break downs, which is their opinion and you can get other companies opinion often for free.

The cheapest is not always the best, just make sure you know what you're paying for and if you really need it or not.
Say you make 12 trades per year, which is typical of dollar costing in to a company

12 trades per year - Trading 212 would cost £0 per year, while Hargreaves Lansdown would cost £143.40 / £188.40 if in ISA. per year.

There is no way you can make that 143 pounds back that you paid HL.

Cavallino · 2025-02-22T21:51:24+0000

Now I understand, thank you slinxy and all.

throwaway4372 · 2025-02-22T21:52:29+0000

Cavallino said:
I cant seem to find VT on Vanguard when I search for it under "invest now"...

VT is American, look it up and see what's included in it, then look up the UK equivalent.
From memory I think it's VAFTGAG (fund), but you may also want to look up VWRP (etf), VHVG (etf), or VUAG (etf).
Learn the differences in indexes, fees, etc.

413x · 2025-02-22T22:06:06+0000

Minstadave said:
This is my general thoughts, market is very high right now, uncertainty is massive with Trump basically greenlighting Russia and perhaps China to be more aggressive. US isolationism/tariffs are going to be an issue.

I don't think I'm going to miss much by sitting in cash for a few months.

Very best case is world gets back to normal and these highly valued stocks tick up a bit.

Worst case I don't even want to think about.

This is the first time I've ever actually pulled out due to world events. I've basically just bought before this.

Cavallino · 2025-02-22T22:10:00+0000

slinxy said:
HL fees vs AJ Bell

AJ Bell vs Hargreaves Lansdown

Compare AJ Bell to Hargreaves Lansdown. From charges on funds, shares and ISAs to how they compare on reaching your financial goals. Read more on Boring Money.

www.boringmoney.co.uk

Trading 212 vs Hargreaves Lansdown 2025

uk.stockbrokers.com

HL Fees vs Ineractive Brokers

Interactive Brokers vs Hargreaves Lansdown 2025

uk.stockbrokers.com

HL are pretty much the most expensive broker, you can google HL fees compared to x fees for a break down

What HL do, is give you newsletters and their own company break downs, which is their opinion and you can get other companies opinion often for free.

The cheapest is not always the best, just make sure you know what you're paying for and if you really need it or not.
Say you make 12 trades per year, which is typical of dollar costing in to a company

12 trades per year - Trading 212 would cost £0 per year, while Hargreaves Lansdown would cost £143.40 / £188.40 if in ISA. per year.

There is no way you can make that 143 pounds back that you paid HL.

Many thanks, fully understood.
So I would say HL is probably better for long term trades, whereas T212 is better for more regular trading?
Would this be a fair thing to say?

Ironic Namesake · 2025-02-22T22:10:16+0000

slinxy said:
HL fees vs AJ Bell

AJ Bell vs Hargreaves Lansdown

Compare AJ Bell to Hargreaves Lansdown. From charges on funds, shares and ISAs to how they compare on reaching your financial goals. Read more on Boring Money.

www.boringmoney.co.uk

Trading 212 vs Hargreaves Lansdown 2025

uk.stockbrokers.com

HL Fees vs Ineractive Brokers

Interactive Brokers vs Hargreaves Lansdown 2025

uk.stockbrokers.com

HL are pretty much the most expensive broker, you can google HL fees compared to x fees for a break down

What HL do, is give you newsletters and their own company break downs, which is their opinion and you can get other companies opinion often for free.

The cheapest is not always the best, just make sure you know what you're paying for and if you really need it or not.
Say you make 12 trades per year, which is typical of dollar costing in to a company

12 trades per year - Trading 212 would cost £0 per year, while Hargreaves Lansdown would cost £143.40 / £188.40 if in ISA. per year.

There is no way you can make that 143 pounds back that you paid HL.

I'm totally out of touch - is it possible for someone who's not eligible for SIPP anymore to move away from HL?

I use IB too but they don't support SIPP

Cavallino · 2025-02-22T22:10:19+0000

throwaway4372 said:
VT is American, look it up and see what's included in it, then look up the UK equivalent.
From memory I think it's VAFTGAG (fund), but you may also want to look up VWRP (etf), VHVG (etf), or VUAG (etf).
Learn the differences in indexes, fees, etc.

Thank you, you saved me a lot of research time here. Fully understood.

slinxy · 2025-02-22T22:12:33+0000

The market is high... but you can look at any time frame pretty much and say the market is highest it's ever been but the issue is that it keeps getting higher.

ftse 100's : https://curvo.eu/backtest/en/market-index/ftse-100?currency=gbp
s&P 500's : https://curvo.eu/backtest/en/market-index/sp-500?currency=gbp

throwaway4372 · 2025-02-22T22:14:16+0000

Cavallino said:
Many thanks, fully understood.
So I would say HL is probably better for long term trades, whereas T212 is better for more regular trading?
Would this be a fair thing to say?

The fee structure kinda encourages that to be the case yes.
This is one of the reasons I use ii - I don't like my investment decisions being influenced by a fee structure.

slinxy · 2025-02-22T22:37:01+0000

Ironic Namesake said:
I'm totally out of touch - is it possible for someone who's not eligible for SIPP anymore to move away from HL?

I use IB too but they don't support SIPP

You will need to find another broker that supports SIPPs, not many of the free brokers do.. but when it comes to SIPPs, I personally would use a more established broker.

Cavallino · 2025-02-22T23:02:44+0000

Cavallino said:
Thank you, you saved me a lot of research time here. Fully understood.

Sorry for another dumb question. I just saw that VWRL is available on HL and other platforms, whats the advantage to buy these through Vanguard directly? (I already created an account with them).

platinum87 · 2025-02-22T23:46:45+0000

Cavallino said:
Sorry for another dumb question. I just saw that VWRL is available on HL and other platforms, whats the advantage to buy these through Vanguard directly? (I already created an account with them).

The advantage is the cost of trade, buying on vanguard is free, and you pay 0.15% account fee.

If you buy the same ETF on H&L you pay £11.95 per trade, and 0% account fee.

If you buy the fund version on H&L, you get the trades free + 0.45% account fee.

Vanguard has a minimum fee now so H&L is cheaper if you buy via fund, not ETF, for lower amounts.

As your portfolio/deposits increase, vanguard is cheaper

Then H&L is cheaper after you increase further

platinum87 · 2025-02-23T00:22:21+0000

D.P. said:
Other developed markets might do better long term, no one knows

We know due to regulation and taxation.

USA with trump means the cutting of regulations and taxes, meanwhile in the UK and EU they are increasing taxes, but most importantly regulation.

Search -- > Executive Order 14192

"Sec. 3 . Regulatory Cap for Fiscal Year 2025. (a) Unless prohibited by law, whenever an executive department or agency (agency) publicly proposes for notice and comment or otherwise promulgates a new regulation, it shall identify at least 10 existing regulations to be repealed."

People complain for example about amazon destroying the high street and so forth, but how many regulations and costs are there to running a small business that amazon can much easier deal with with specialised teams because they are at scale.

They will never remove those regulations because it means you have government staff that are now doing nothing, so they need to be made redundant, but they will never do that.

US will outperform EU/UK, if we copy US example, we might keep the status quo as it is, if we do not, then the UK and EU will suffer negative returns, in all asset classes.

Im almost certain US stocks will have a tax applied soon enough