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Savings and Investments thread
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Generally don't invest in individual shares but do have a few legacy shares. I haven't traded for a few years and the online broker I used has stopped trading. The share registra recommends Link but their commission charges are 1.4% which is certainly a lot more than I used to pay. Anybody got a better recommendation please?0
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Trading 212 is 0% commissionredman said:Generally don't invest in individual shares but do have a few legacy shares. I haven't traded for a few years and the online broker I used has stopped trading. The share registra recommends Link but their commission charges are 1.4% which is certainly a lot more than I used to pay. Anybody got a better recommendation please?0 -
Are you saying you have certificates for these shares ? If so could do worse than Halifax, they will transfer the share certificates into an online account. Dealing charges £9. However, have one day a month where from 12 until 14:30 that drops to £3.50. Good service and their site is easy to use and has everything you need.redman said:Generally don't invest in individual shares but do have a few legacy shares. I haven't traded for a few years and the online broker I used has stopped trading. The share registra recommends Link but their commission charges are 1.4% which is certainly a lot more than I used to pay. Anybody got a better recommendation please?2 -
Yes we do have a share certificate. Thanks I will have a look at this and at Trading 212.RaplhMilne said:
Are you saying you have certificates for these shares ? If so could do worse than Halifax, they will transfer the share certificates into an online account. Dealing charges £9. However, have one day a month where from 12 until 14:30 that drops to £3.50. Good service and their site is easy to use and has everything you need.redman said:Generally don't invest in individual shares but do have a few legacy shares. I haven't traded for a few years and the online broker I used has stopped trading. The share registra recommends Link but their commission charges are 1.4% which is certainly a lot more than I used to pay. Anybody got a better recommendation please?0 -
Make sure you can get a two or preferably a four post lift in height wise. Probably a bit out of your way but I've helped put a couple up from Passmores Timber (if you want/like timber one's) very good quality.bobmunro said:
Likewise - I'm in the process of planning a four bay carriage house with attached workshop (away from the main house so missus is happy!). I've got garaging now and plenty of off-road parking but my retirement plans include getting my hands greasy working on classic cars.Rob7Lee said:
My grandad had a snooker room and it's been my life's ambition to have one, I'm relatively easily pleased.bobmunro said:
Bar/snooker room v a gym - I can think of tougher decisions!Rob7Lee said:
I know, it's ridiculous really. Mines a slightly larger than average 3 bed semi (about 1650 sq ft), yours for 3/4 millionbobmunro said:Rob7Lee said:
Certainly a strange market at the moment, we've been for sale for a week, 6 viewings but no offers yet. The price some people are putting their houses up for sale for is ludicrous. Opposite me a small 4 bed detached, £1.25m!golfaddick said:Funny housing market.
You can't shift 1 or 2 bed flats in London......especially if they dont have a garden.
Other properties are going before they are even listed on places like Rightmove or Zoopla.
Land Registry is snowed under & local searches are taking weeks if not months to come back.
I wouldn't be surprised if there is another SDLT concession before the year is out. The Tories love a good housing bubble. Gives everyone something to talk about instead of Covid or Boris.
London and south east prices are truly mind boggling. In my neck of the woods that would get you a small country estate!
madness.
We're looking to move further down into Kent a bit, still pricey but a lot more space for your money. I can get more than double Sq ft (3,500) not that far out for around 1-1.1m. My wife found one at 1.2m 6 bed 5 bathroom that I discounted until I saw it had a 7 car garage and a sit on mower plus a separate large studio (think bar/snooker room although I may have a battle with that v a gym!)
(and you can never have enough garages!!)
The current rule is I get to decide if it's enough garaging, the rest is up to Mrs R7L and daughters! (so that'll be number of bathrooms and Kitchen/utility room sizes :-) )0 -
Yes, intending to spec a four post lift.Rob7Lee said:
Make sure you can get a two or preferably a four post lift in height wise. Probably a bit out of your way but I've helped put a couple up from Passmores Timber (if you want/like timber one's) very good quality.bobmunro said:
Likewise - I'm in the process of planning a four bay carriage house with attached workshop (away from the main house so missus is happy!). I've got garaging now and plenty of off-road parking but my retirement plans include getting my hands greasy working on classic cars.Rob7Lee said:
My grandad had a snooker room and it's been my life's ambition to have one, I'm relatively easily pleased.bobmunro said:
Bar/snooker room v a gym - I can think of tougher decisions!Rob7Lee said:
I know, it's ridiculous really. Mines a slightly larger than average 3 bed semi (about 1650 sq ft), yours for 3/4 millionbobmunro said:Rob7Lee said:
Certainly a strange market at the moment, we've been for sale for a week, 6 viewings but no offers yet. The price some people are putting their houses up for sale for is ludicrous. Opposite me a small 4 bed detached, £1.25m!golfaddick said:Funny housing market.
You can't shift 1 or 2 bed flats in London......especially if they dont have a garden.
Other properties are going before they are even listed on places like Rightmove or Zoopla.
Land Registry is snowed under & local searches are taking weeks if not months to come back.
I wouldn't be surprised if there is another SDLT concession before the year is out. The Tories love a good housing bubble. Gives everyone something to talk about instead of Covid or Boris.
London and south east prices are truly mind boggling. In my neck of the woods that would get you a small country estate! madness.
We're looking to move further down into Kent a bit, still pricey but a lot more space for your money. I can get more than double Sq ft (3,500) not that far out for around 1-1.1m. My wife found one at 1.2m 6 bed 5 bathroom that I discounted until I saw it had a 7 car garage and a sit on mower plus a separate large studio (think bar/snooker room although I may have a battle with that v a gym!)
(and you can never have enough garages!!)
The current rule is I get to decide if it's enough garaging, the rest is up to Mrs R7L and daughters! (so that'll be number of bathrooms and Kitchen/utility room sizes :-) )
I'm going for timber so will look at Passmores - thanks.0 -
Great, as well as standard/off the shelf they also do bespoke.bobmunro said:
Yes, intending to spec a four post lift.Rob7Lee said:
Make sure you can get a two or preferably a four post lift in height wise. Probably a bit out of your way but I've helped put a couple up from Passmores Timber (if you want/like timber one's) very good quality.bobmunro said:
Likewise - I'm in the process of planning a four bay carriage house with attached workshop (away from the main house so missus is happy!). I've got garaging now and plenty of off-road parking but my retirement plans include getting my hands greasy working on classic cars.Rob7Lee said:
My grandad had a snooker room and it's been my life's ambition to have one, I'm relatively easily pleased.bobmunro said:
Bar/snooker room v a gym - I can think of tougher decisions!Rob7Lee said:
I know, it's ridiculous really. Mines a slightly larger than average 3 bed semi (about 1650 sq ft), yours for 3/4 millionbobmunro said:Rob7Lee said:
Certainly a strange market at the moment, we've been for sale for a week, 6 viewings but no offers yet. The price some people are putting their houses up for sale for is ludicrous. Opposite me a small 4 bed detached, £1.25m!golfaddick said:Funny housing market.
You can't shift 1 or 2 bed flats in London......especially if they dont have a garden.
Other properties are going before they are even listed on places like Rightmove or Zoopla.
Land Registry is snowed under & local searches are taking weeks if not months to come back.
I wouldn't be surprised if there is another SDLT concession before the year is out. The Tories love a good housing bubble. Gives everyone something to talk about instead of Covid or Boris.
London and south east prices are truly mind boggling. In my neck of the woods that would get you a small country estate! madness.
We're looking to move further down into Kent a bit, still pricey but a lot more space for your money. I can get more than double Sq ft (3,500) not that far out for around 1-1.1m. My wife found one at 1.2m 6 bed 5 bathroom that I discounted until I saw it had a 7 car garage and a sit on mower plus a separate large studio (think bar/snooker room although I may have a battle with that v a gym!)
(and you can never have enough garages!!)
The current rule is I get to decide if it's enough garaging, the rest is up to Mrs R7L and daughters! (so that'll be number of bathrooms and Kitchen/utility room sizes :-) )
I'm going for timber so will look at Passmores - thanks.
https://www.passmores.co.uk/gallery/carriage-house-gallery
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Need to bump this thread up.......
Stockmarkets having a mare today. German DAX down 2.5%, same currently as the Nasdaq, with the S&P being off almost 1%. FTSE100 went from being 65 Points up at lunchtime to finishing 45 points down.
Mainly down to tech stocks (again) and Yellen saying that US interest rates may need to rise "modestly".
Should have bloody listened to the old adage of "Sell in May & come back on St Ledger Day" as my SIPP is starting to drop again.1 -
Good buying opportunity soon. I've kept 50pc cash for a situation we may see in prices come end of week.0
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I have tried to tell yougolfaddick said:Need to bump this thread up.......
Stockmarkets having a mare today. German DAX down 2.5%, same currently as the Nasdaq, with the S&P being off almost 1%. FTSE100 went from being 65 Points up at lunchtime to finishing 45 points down.
Mainly down to tech stocks (again) and Yellen saying that US interest rates may need to rise "modestly".
Should have bloody listened to the old adage of "Sell in May & come back on St Ledger Day" as my SIPP is starting to drop again.
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Was going to post this the other day on the thread I started about the Prudential changing their logo but got busy.........
Not sure if anyone noticed the new name fo (what was originally) Standard Life. They were bought by Aberdeen Asset Management a couple of years ago & at the time were rebranded as Aberdeen Standard Investments. They, like the Pru, think it's time to get "with it" and are now renamed as
Abrdn.
Yep.....you read it correctly. The have decided to drop 3 "E"'s out if their name.
Wtf ????4 -
I have two green energy ETFs which did well during the conference the week before last. I considered selling them as I thought that'd be a peak but decided to hold as I'm a believer in the product. Down about 15% since that peak! They'll be back.Meantime £50 on the premium bonds.0
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4 x £25 for me today!
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1 x £25 for me and 2 x £25 for Mrs R7L. Father in law AGAIN won 2 x £25, think he's approaching 3 years now since the last time he didn't get a win.0
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nought for me, £25 for the wife
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I see the person who won the 1m had their winning number in for just two draws, lucky sod.
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Nought for me.0
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Thanks, was due a bit of luck.LargeAddick said:I see the person who won the 1m had their winning number in for just two draws, lucky sod.5 -
Finally got a better PB return than the rest of the family
3x£25, junior got 2x£25 and Mrs C 1x£25. 0 -
2 x £25 for me today.0
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And we're off !
£25 today for Mr F !1 -
Zilch for me this month0
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£25 for me, £50 for Mrs A.0
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Sod all in Tropical Daarrzzet (PB’s).0
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Recently I've read several articles touting small-caps - both UK specific, and globally, as a sector that might out-perform as countries emerge from the worst of Covid. The argument in very broad terms is that the most nimble companies are able to seize the opportunities for change that the virus has created. That argument broadly works for me; what do you all think? Anybody got any reccos for small-cap funds ?
In this article, which argues the case for Europe generally, which I also agree with, they tout Barings Europe Select Trust, as one which also focuses on small and mid-cap. Generally I think Barings are a decent fund house, and know their way around Europe stocks...0 -
Blackrock's Throgmorton investment trust is very well run (I am close to the PM and he is very good) for UK small caps - in an ideal world buy at a discount but you may be waiting a while.PragueAddick said:Recently I've read several articles touting small-caps - both UK specific, and globally, as a sector that might out-perform as countries emerge from the worst of Covid. The argument in very broad terms is that the most nimble companies are able to seize the opportunities for change that the virus has created. That argument broadly works for me; what do you all think? Anybody got any reccos for small-cap funds ?
In this article, which argues the case for Europe generally, which I also agree with, they tout Barings Europe Select Trust, as one which also focuses on small and mid-cap. Generally I think Barings are a decent fund house, and know their way around Europe stocks...1 -
Bad day for the markets. Partly spooked by export figures from China showing their prices rising by 6% and therefore inflation heading this way. Then payroll figures from the USA & then thoughts that interest rates may need to have to rise sooner than expected.
All this has led to the FTSE100 being down almost 200 points at 2.30pm. Now at 6930. Watch out if the Dow opens lower..........0 -
Who knew tech stocks were so overvalued hey...
TSLA driving weak mkt performance (no pun intended). Says it all that there haven't been too many days like this so far this year. Got to love the commentators calling it a 'correction'. You're 50% up on most ishares from May 2020, this is a small bump. US hasn't been as weak as futs suggested going into their open, I'd imagine this is all forgotten about in a couple of days0 -
A long term staple of mine has been Black Rock Smaller Companies. That's an Investment Trust but I think they have a fund equivalent. Personally I always go for the ITs for liquidity and transparency reasons, as I may have mentioned once or twice. TRG has always done well for me, which is European focused.PragueAddick said:Recently I've read several articles touting small-caps - both UK specific, and globally, as a sector that might out-perform as countries emerge from the worst of Covid. The argument in very broad terms is that the most nimble companies are able to seize the opportunities for change that the virus has created. That argument broadly works for me; what do you all think? Anybody got any reccos for small-cap funds ?
In this article, which argues the case for Europe generally, which I also agree with, they tout Barings Europe Select Trust, as one which also focuses on small and mid-cap. Generally I think Barings are a decent fund house, and know their way around Europe stocks...
I totally agree with the premise, particularly for UK stocks. I've been looking at anything that was doing well until last March and is still solvent, so should get back to those levels. Lots out there in finance, oil, construction, media, retail. etc. Have stayed clear of commercial property and travel though - still not sure we're through all the pain for them.
Still holding lots of (established) tech, though. Top-sliced and went back in which is working well. Tailwinds are still there for the likes of Microsoft, Amazon, Paypal, Fortinet, etc..1 -
With the demand for housing in London as it is at the moment,please could someone explain the following.
My son lives in Finchley on an Estate that is 70 percent rented and 30 pc owned.He has recently tried to sell his maisonette and has had several offers,but none of the people who wanted his property could get a mortgage,due to the high level of rented dwellings.yet he had no trouble getting a mortgage 4 years ago through Halifax who now will not lend to a subsequent buyer.0
