Limited company - company pension?
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  1. #51

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    Quote Originally Posted by Lance View Post
    self-invested PERSONAL pension

    It's yours not your companies. If you've managed to put it in your companies name then it's not yours. Good luck fixing that
    Just checked. You're right, it is in my name. Phew.

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    The information in this thread is very valuable.

    Just to consolidate the most popular SIPP providers, we have:

    Hargreaves Lansdown (Fee charged is a percentage of the size of the pension pot)
    Interactive Investor (II) (Flat rate fee)
    iWeb (not sure about the fee structure)

    Is there any other new SIPP provider that is gaining traction?

  3. #53

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    Quote Originally Posted by suresh505 View Post
    The information in this thread is very valuable.

    Just to consolidate the most popular SIPP providers, we have:

    Hargreaves Lansdown (Fee charged is a percentage of the size of the pension pot)
    Interactive Investor (II) (Flat rate fee)
    iWeb (not sure about the fee structure)

    Is there any other new SIPP provider that is gaining traction?
    Close Bros and Cavendish are both % based platforms but about half the cost of HL.
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  4. #54

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    Quote Originally Posted by suresh505 View Post
    The information in this thread is very valuable.

    Just to consolidate the most popular SIPP providers, we have:

    Hargreaves Lansdown (Fee charged is a percentage of the size of the pension pot)
    Interactive Investor (II) (Flat rate fee)
    iWeb (not sure about the fee structure)

    Is there any other new SIPP provider that is gaining traction?
    On HL website it says
    0.45% a year (Capped at £200 a year across all holdings in the account)
    does that mean £200 is the maximum you pay per year irrespective of holding size ?
    can someone clarify

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    Quote Originally Posted by Andy2 View Post
    On HL website it says
    0.45% a year (Capped at £200 a year across all holdings in the account)
    does that mean £200 is the maximum you pay per year irrespective of holding size ?
    can someone clarify
    HL can......



    but my cat probably could as well actually.
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    Quote Originally Posted by Andy2 View Post
    On HL website it says
    0.45% a year (Capped at £200 a year across all holdings in the account)
    does that mean £200 is the maximum you pay per year irrespective of holding size ?
    can someone clarify
    The cap does not apply to funds. Only shares. Read the T and C carefully.
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    Quote Originally Posted by Fred Bloggs View Post
    The cap does not apply to funds. Only shares. Read the T and C carefully.
    ok, so that means for a sipp containing shares ,ETF and investment trusts only ,HL costs the same as iii
    I dont want to buy funds anyway as the fund managers charge too much
    Last edited by Andy2; 5th January 2018 at 15:02.

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    Quote Originally Posted by Andy2 View Post
    ok, so that means for a sipp containing shares ,ETF and investment trusts only ,HL costs the same as iii
    I dont want to buy funds anyway as the fund managers charge too much
    Sorry, I don't know. You need to check T&C's very carefully, they change frequently. Myself, I will not use a platform where charges in any way limit my investment universe. Sure, fill your boots with shares and IT's. at HL. I choose a different path, so far, extremely successfully too. But it's a free world. Nobody here is going to try to change your mind.
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    As others have said, check with your provider. Post RDR, the offerings of many brokers have been subject to change often at relatively short notice.

    I have two SIPPs. One with HL and one with IWeb.

    In my opinion, HL are competitive if you choose to hold ETFs, Investment Trusts and individual shares. Their charges for doing so are shown in the link below. i.e. 0.45% capped at £200 across all holdings.

    Help & support | Hargreaves Lansdown

    HL are imo not competitive for holding funds given they are charged at an uncapped 0.45% albeit with lower charges for larger accounts.

    Help & support | Hargreaves Lansdown

    Iweb and others are far more competitive for funds. As well as your holdings, the size of your account has a large bearing on how competitive each provider is on price.

    This is the best resource I have found for comparing brokers for SIPPs, ISAs and trading accounts.

    /monevator. com/compare-uk-cheapest-online-brokers/ - Compare the UK’s cheapest online brokers

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    The Daily Telegraph has a very easy to understand traffic light rating system against the major platforms for ISA and SIPP accounts. Rating them red, amber or green depending on portfolio size.
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