Originally posted by MarillionFan
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Reply to: Online share dealing service
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Previously on "Online share dealing service"
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Originally posted by suityou01 View PostNot sure how. Still getting used to it and cannot see any IM capability. Can you guide me?
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Originally posted by DimPrawn View PostWhy I'm not a big fan of pensions.
Unless you are a permie and your employer is dropping free money in every month or you have one of them final salary jobbies, the rules and shifting sands ring alarm bells in my mind.
http://www.ajbell.co.uk/downloadfiles/Utter_Madness.pdf
TLA Direct > Latest News (1 > Wills, Trusts, Probate Legal News > Inheritance tax to cover pensions, claims ruling
http://www.ajbell.co.uk/downloadfile...ated_plans.pdf
http://www.ajbell.co.uk/downloadfile...ution_rush.pdf
Revenue forestall failure adds to confusion | News | Money Marketing
Retirement age rise plan attacked by charities and unions | Money | The Guardian
Retirement age is rising rapidly, you might not be able to get a penny out of your SIPP until you are very old.
At the moment, if you die after your 70th birthday and your SIPP is in drawdown, you lose the whole pot of money you have paid in, even if you don't buy an annuity, so all your hard earned is gone in an instant. Nothing is left to your children, it's gone!
HMRC are making the rules very complex, changing the rules, challenging people in court, the list goes on.
Do you really want to put money into something you have no control of and can't get the money back out of for decades,at the whim of successive governments and HMRC's bully boy tactics?
Personally, I'd rather not. Not with my own money anyway.
HMR&C believe that anything granted tax free now must be clawed back somehow later, one way or another.
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Originally posted by suityou01 View PostBarclays marketmaker account set up and floated with a couple of k.
Now <cracks knuckles> decisions decisions.
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Barclays marketmaker account set up and floated with a couple of k.
Now <cracks knuckles> decisions decisions.
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Originally posted by DimPrawn View PostWhy I'm not a big fan of pensions.
Unless you are a permie and your employer is dropping free money in every month or you have one of them final salary jobbies, the rules and shifting sands ring alarm bells in my mind.
http://www.ajbell.co.uk/downloadfiles/Utter_Madness.pdf
TLA Direct > Latest News (1 > Wills, Trusts, Probate Legal News > Inheritance tax to cover pensions, claims ruling
http://www.ajbell.co.uk/downloadfile...ated_plans.pdf
http://www.ajbell.co.uk/downloadfile...ution_rush.pdf
Revenue forestall failure adds to confusion | News | Money Marketing
Retirement age rise plan attacked by charities and unions | Money | The Guardian
Retirement age is rising rapidly, you might not be able to get a penny out of your SIPP until you are very old.
At the moment, if you die after your 70th birthday and your SIPP is in drawdown, you lose the whole pot of money you have paid in, even if you don't buy an annuity, so all your hard earned is gone in an instant. Nothing is left to your children, it's gone!
HMRC are making the rules very complex, changing the rules, challenging people in court, the list goes on.
Do you really want to put money into something you have no control of and can't get the money back out of for decades,at the whim of successive governments and HMRC's bully boy tactics?
Personally, I'd rather not. Not with my own money anyway.
Leave a comment:
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Why I'm not a big fan of pensions.
Unless you are a permie and your employer is dropping free money in every month or you have one of them final salary jobbies, the rules and shifting sands ring alarm bells in my mind.
http://www.ajbell.co.uk/downloadfiles/Utter_Madness.pdf
TLA Direct > Latest News (1 > Wills, Trusts, Probate Legal News > Inheritance tax to cover pensions, claims ruling
http://www.ajbell.co.uk/downloadfile...ated_plans.pdf
http://www.ajbell.co.uk/downloadfile...ution_rush.pdf
Revenue forestall failure adds to confusion | News | Money Marketing
Retirement age rise plan attacked by charities and unions | Money | The Guardian
Retirement age is rising rapidly, you might not be able to get a penny out of your SIPP until you are very old.
At the moment, if you die after your 70th birthday and your SIPP is in drawdown, you lose the whole pot of money you have paid in, even if you don't buy an annuity, so all your hard earned is gone in an instant. Nothing is left to your children, it's gone!
HMRC are making the rules very complex, changing the rules, challenging people in court, the list goes on.
Do you really want to put money into something you have no control of and can't get the money back out of for decades,at the whim of successive governments and HMRC's bully boy tactics?
Personally, I'd rather not. Not with my own money anyway.
Leave a comment:
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Originally posted by DimPrawn View PostWell there's your answer then.
SIPPDeal is the BEST online share dealing service.
Happy to be of assistence.
Now off you go, fill in the forms and buy them lovely shiny BP shares.
PS. So SIPPDeal specialise in SIPP accounts rather than plain vanilla share trading. Well I never, imagine that. And you wanted a SIPP account all along......
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Well there's your answer then.
SIPPDeal is the BEST online share dealing service.
Happy to be of assistence.
Now off you go, fill in the forms and buy them lovely shiny BP shares.
PS. So SIPPDeal specialise in SIPP accounts rather than plain vanilla share trading. Well I never, imagine that. And you wanted a SIPP account all along......Last edited by DimPrawn; 24 June 2010, 20:05.
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Originally posted by DimPrawn View PostA SIPP is not a share dealing account.
Utter bobbins . . .
Why choose SIPPDeal?
Here are just 5 good reasons -
* Online dealing is just £9.95 per deal
* Free to setup
* No charge for SIPP annual administration
* Over 1,800 funds to choose from and over 1,500 have no initial charge
* Free to make contributions and transfers in
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Originally posted by suityou01 View PostSIPP was the plan, yes. I will also run some spreadbets/CFDs.
Some online share dealing accounts offer SIPP's but that's usually separate to the main share dealing account have lots of paperwork to complete and fees are levied every year.
Have you thought this through?
Also a SIPP means you get tax relief on the way in, you pay tax when you draw your pension and if recent news on rising retirement age is anything is to go by, won't be until you are in your seventies.
Unless you are a higher rate taxpayer now and intend to be a low rate tax payer when you retire, you don't gain anything other than an inflexible pot of money you can't touch until you are very old.
A Shares ISA (and one for the wife) every year filled to the brim gives you tax free dividends and tax free gains and you can sell up and draw the income whenever you like.
HTH
PS. I still think the Lotto is your best bet.Last edited by DimPrawn; 24 June 2010, 19:47.
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