Originally posted by eek
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Reply to: SIPPs - I told you so
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Previously on "SIPPs - I told you so"
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Originally posted by Fred Bloggs View PostThanks for the suggestion. I hadn't considered ETFs but I prefer actively managed funds to tracker type investments (AFAIUI, ETFs are index trackers?).
See Index Funds Beat Actively Managed Funds - Business Insider
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Originally posted by Retro View PostAnother option is to invest in ETFs which trade at neither a premium nor a discount and these are subject to the same charges at H/L as shares, capped at £200p.a. The ETFs themselves have an annual charge of typically between 0.1% and 0.5%.
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Originally posted by Fred Bloggs View PostInvestment Trusts? As an income centric investor I've missed that boat as the income trusts are trading on pemiums. My SIPP is invested in a basket of income generating unit trusts.
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Originally posted by SimonMac View PostI am with HL and as I hold shares rather than funds I pay a flat £200 a year
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I am with HL and as I hold shares rather than funds I pay a flat £200 a year
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Im with EPML/Selftrade and pay a fixed rate, rather than %, and invest in shares, so no management fees from what I have invested in heading off to EPML/Selftrade.
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Indeed, I am very happy with HL but they have become unaffordable (IMO) with their platform fee of 0.45% and fund management fees of typically ~0.6% on top. On my SIPP I shall be paying about £2k a year in fees unless I move. So I'm moving my SIPP to Interactive Investor as they use a flat rate fee structure instead of a %.
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Originally posted by IR35 Avoider View PostI've never understood the popularity here of Hargreaves Lansdown for SIPPS. Now that legislative changes have increased transparency with regard to charges, it's clear to people who previously couldn't be bothered reading the small-print exactly how expensive they actually are. Apparently many customers are unhappy.
Link to telegraph article with table highlighting how expensive they are. (And where to go for cheaper alternatives.)
DIY pensions: The cheapest Sipp fund supermarkets - Telegraph
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SIPPs - I told you so
I've never understood the popularity here of Hargreaves Lansdown for SIPPS. Now that legislative changes have increased transparency with regard to charges, it's clear to people who previously couldn't be bothered reading the small-print exactly how expensive they actually are. Apparently many customers are unhappy.
Link to telegraph article with table highlighting how expensive they are. (And where to go for cheaper alternatives.)
DIY pensions: The cheapest Sipp fund supermarkets - TelegraphLast edited by IR35 Avoider; 1 March 2014, 20:26.Tags: None
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