Search found 108 matches

by hiriskpaul
January 20th, 2017, 3:25 pm
Forum: Passive Investing
Topic: Passive income ETFs - alternative to HYP
Replies: 18
Views: 447

Re: Passive income ETFs - alternative to HYP

In difficult times governments will seek to confiscate its citizens wealth. Even in the Land of the Free Roosevelt forced people to sell the government their gold at below market price. We live at a time of remarkably low taxes on wealth and unearned income. It may not last.
by hiriskpaul
January 20th, 2017, 11:56 am
Forum: Trading my way to a million
Topic: 25.9%
Replies: 14
Views: 1093

Re: 25.9%

You must be very pleased with progress Moorfield. Have you rolled to April yet? Or are you going to wait and see whether the VIX ticks higher first?

My June puts are well in profit. An excellent start to the year.
by hiriskpaul
January 20th, 2017, 11:38 am
Forum: Passive Investing
Topic: Passive income ETFs - alternative to HYP
Replies: 18
Views: 447

Re: Passive income ETFs - alternative to HYP

UKDV is not specifically a high yield fund, they do not target yield. Instead they target stocks with a 10 or more years history of maintaining or increasing dividends. There are no guarantees that this will result in a higher yield than the market, but it probably will as they will obviously not be...
by hiriskpaul
January 20th, 2017, 12:36 am
Forum: Passive Investing
Topic: Passive income ETFs - alternative to HYP
Replies: 18
Views: 447

Re: Passive income ETFs - alternative to HYP

I agree with GeoffF100. Equity income has been a reasonable to excellent retirement strategy for the last 35 years and a lot of people seem to have concluded from this that it cannot go wrong. There have been periods over the last 35 years where the dividends paid out by the market has decreased, e....
by hiriskpaul
January 19th, 2017, 3:17 pm
Forum: Brokers and Share Dealing
Topic: Transferring and transforming an ISA. Is this a sensible approach?
Replies: 13
Views: 501

Re: Transferring and transforming an ISA. Is this a sensible approach?

Oddly I just attempted to work out the approximate geographical allocation of my funds tonight (the only direct holdings I have are BP & IAG, an inheritance and a legacy of employment). The next step is to compare it to an "ideal" regional allocation if there is one - any hints gratef...
by hiriskpaul
January 18th, 2017, 8:31 pm
Forum: Investment and Unit Trusts
Topic: Investing for Grandchildren
Replies: 5
Views: 298

Re: Investing for Grandchildren

Forgot to mention, HL do offer regular investment in certain UK shares, ITs and ETFs for a charge of £1.50 per investment. That might work out better for you if the investment you want is available.
by hiriskpaul
January 18th, 2017, 8:18 pm
Forum: Investment and Unit Trusts
Topic: Investing for Grandchildren
Replies: 5
Views: 298

Re: Investing for Grandchildren

Because the amounts are small, we are looking for the the smallest possible ongoing charge and wondered if there may be a different way of investing small monthly amounts for the grandchildren? Hargreaves Lansdown offer a bare trust with their Junior Investment Account. No ongoing charge at all wit...
by hiriskpaul
January 18th, 2017, 7:50 pm
Forum: Investment Strategies
Topic: Is a Capital Gain Capital at Risk
Replies: 3
Views: 280

Re: Is a Capital Gain Capital at Risk

I have a lot of PIBS and most are showing a good profit. A year or two ago I could not envisage selling any of them as the spread was so bad, I thought bought for life. The income was good and gross in the Sipps and ISA. Recently I have been badly burned by Manchester 8% and may have to wait years ...
by hiriskpaul
January 17th, 2017, 11:29 pm
Forum: Brokers and Share Dealing
Topic: New iWeb account fee reduced
Replies: 25
Views: 544

Re: New iWeb account fee reduced

High transfer out fees should they decide to "restructure" their charges I do not believe that is entirely fair. Transfer out fees are £25 per stock, with a maximum of £125. If you have a lot of stocks, that is much cheaper than some. I am also not aware of a Youinvest style clause in the...
by hiriskpaul
January 17th, 2017, 11:07 pm
Forum: Investment and Unit Trusts
Topic: Small Cap Bottom Fishing
Replies: 14
Views: 1132

Re: Small Cap Bottom Fishing

Ok thanks for the info. I spotted several company names that were household names whereas I was expecting obscure very small companies! You need to go to VCTs if you want obscure. I already hold VMID by the way, but that does not trade at a 15-20% discount to NAV, which is my main interest here. Al...
by hiriskpaul
January 17th, 2017, 2:21 pm
Forum: Brokers and Share Dealing
Topic: TD Regular Investing
Replies: 24
Views: 699

Re: TD Regular Investing

IG are good for shares, ITs, ETFs, but no good for bonds, preference shares or OEICs.
by hiriskpaul
January 17th, 2017, 1:58 pm
Forum: Brokers and Share Dealing
Topic: New iWeb account fee reduced
Replies: 25
Views: 544

Re: New iWeb account fee reduced

I just hope they do not use the refreshed web site as an excuse to "restructure" their fees or make them "fairer" for all customers, as Youinvest, ATST and Barclays have recently done. I would rather have the current interface left as it is but in a bubblegum pink colour scheme t...
by hiriskpaul
January 16th, 2017, 12:56 pm
Forum: Brokers and Share Dealing
Topic: Transferring and transforming an ISA. Is this a sensible approach?
Replies: 13
Views: 501

Re: Transferring and transforming an ISA. Is this a sensible approach?

So an existing selftrade ISA for my motley collection of ITs, ETFs and shares that I've acquired over the years. An iWeb ISA as a "reboot" of an IFA driven investment where I'll now focus on passive/tracker funds. Rounded off with a YouInvest SIPP with ETFs and ITs. Does that count as div...
by hiriskpaul
January 15th, 2017, 1:05 pm
Forum: Brokers and Share Dealing
Topic: Transferring and transforming an ISA. Is this a sensible approach?
Replies: 13
Views: 501

Re: Transferring and transforming an ISA. Is this a sensible approach?

An interesting suggestion. Thank you. It may be irrational, but I've been assuming that UTs/OEICs are automatically more expensive to deal with and hold than ETFs/ITs. I've yet to look in to the finer details if I'm honest. The whole IFA experience has also made me more suspicious of OEICs than per...
by hiriskpaul
January 14th, 2017, 11:54 pm
Forum: Passive Investing
Topic: Vanguard starts securities lending
Replies: 4
Views: 312

Re: Vanguard starts securities lending

In theory there are risks with stock lending. I have read somewhere that over the last 35 years or so BlackRock, currently the World's largest fund manager with a truly massive stock lending program, have suffered 3 defaults. However, there was sufficient collateral on each occasion to cover the los...
by hiriskpaul
January 13th, 2017, 4:16 pm
Forum: Brokers and Share Dealing
Topic: Transferring and transforming an ISA. Is this a sensible approach?
Replies: 13
Views: 501

Re: Transferring and transforming an ISA. Is this a sensible approach?

Your plan is sound, but why not just transfer into the Vanguard fund(s) you want at Skandia then transfer to a new platform that does not charge a fee for holding OEICs? Halifax would do, they charge just £15 per year flat fee for an ISA. They do charge for trading OEICs, but if you get invested bef...
by hiriskpaul
January 13th, 2017, 2:49 pm
Forum: Passive Investing
Topic: Best Passive Investments for Children
Replies: 19
Views: 767

Re: Best Passive Investments for Children

For my son I have invested his inheritance from my mother in ishares SWDA (core MSCI world) and a small amount in national savings bonds. ishares ETF SWDA is a good choice as it is an accumulating fund with global exposure albeit only 6.45% in the UK - I want my son to learn the importance of being...
by hiriskpaul
January 13th, 2017, 1:50 pm
Forum: Passive Investing
Topic: Best Passive Investments for Children
Replies: 19
Views: 767

Re: Best Passive Investments for Children

This has to be one of the most misleading postings I have seen so far on lemonfool. For a start Witan, FRCL and ATST invest globally. They do not invest just in FTSE 100 stocks... I think hiriskpaul is being a little harsh here! While these ITs are now purely global vehicles, and define their perfo...
by hiriskpaul
January 12th, 2017, 3:57 pm
Forum: Passive Investing
Topic: Falling Pound -Global Passive Equity
Replies: 4
Views: 457

Re: Falling Pound -Global Passive Equity

It is unpredictable. The government looks set for a "train crash Brexit", in which case the pound will fall further. Alternatively, they may shy away from that when the time comes, in which case the pound will rise. In the meantime, they will not say. If they say that they will favour cur...
by hiriskpaul
January 12th, 2017, 3:16 pm
Forum: Passive Investing
Topic: Best Passive Investments for Children
Replies: 19
Views: 767

Re: Best Passive Investments for Children

To answer the original question, I would recommend the products offered by Vanguard, BlackRock/iShares, SPDR, Fidelity and HSBC. Legal & General are ok as well, but don't buy directly from them, as this costs more than going to a discount broker. Choose ETFs or funds, but watch out for platform ...

Go to advanced search