Where would you invest £200k and why?

[Timmy_45]

Bank and or share dealings services make the most.
Volumes best as greatest gains but also greatest losses .
Hail gale blow or snow the banks win all the time ?

I have shares in my SIPP. Biggest holding is Lloyds, it's throwing out a lovely big fat dividend yield. I don't bother watching the price at all, that's irrelevant to me, it's the dividend income that matters, which I reinvest into the portfolio.

 

[Still Farming]

I have shares in my SIPP. Biggest holding is Lloyds, it's throwing out a lovely big fat dividend yield. I don't bother watching the price at all, that's irrelevant to me, it's the dividend income that matters, which I reinvest into the portfolio.

Not a "lloyds "name then ?

 

[Timmy_45]

Not a "lloyds "name then ?

LOL, definitely not!

 

[Woolly]

I have shares in my SIPP. Biggest holding is Lloyds, it's throwing out a lovely big fat dividend yield. I don't bother watching the price at all, that's irrelevant to me, it's the dividend income that matters, which I reinvest into the portfolio.

Which is the best platform to hold a SIPP?

Any views on Hargreaves Landown's costs?

TIA

 

[Timmy_45]

Which is the best platform to hold a SIPP?

Any views on Hargreaves Landown's costs?

TIA

I think that's a bit like asking whose spuds are best, Sainburys or Tesco? The truth is they all use the same couple of outsourced back end providers and the website you see if just the branding, so the costs are generally similar. There's not much to choose between them. I picked AJ Bell, but I wouldn't say they're any better than HL.

 

[texas pete]

I think that's a bit like asking whose spuds are best, Sainburys or Tesco? The truth is they all use the same couple of outsourced back end providers and the website you see if just the branding, so the costs are generally similar. There's not much to choose between them. I picked AJ Bell, but I wouldn't say they're any better than HL.

Agree.

I use HL for SIPP ISA and LISA and I do find the site and system in general very user friendly, just what you get used to I think.

 

[Robw54]

Shares need to be reviewed on a daily basis with rigid stop loss implementation.

Surely better to just buy into a pre made diversified global fund and forget about it for 20 years? Trading in and out of the markets costs a lot and you usually end up worse off unless you can dedicate all your time to it and even then your transaction costs will eat the return.

Plenty good fund managers get it wrong and I wouldn't pretend to have a fraction of the knowledge that they will have in their circle.

 

[Puff]

Annual Yield on a BTL is done by

Net Annual Rental Income / (Original Cost Of Property + All Legal Expenses + All "Preparation Costs" ie upgrading the property to the required standard)

Current value of house is Asset Value and is separate. For Capital Gains purposes (if selling) then its Selling Price - (Original Cost Of Property + All Legal Expenses (Buy/Sell) + All Upgrade (not maintenance) Costs) = Profit Subject To CGT

If it were I, then I would spend on a Holiday Rental (or 2) as there are certain tax advantages over BTL plus the Annual Yield could well be better. In fact, that is what I am currently doing, in the process of converting part of a barn to a second Holiday Rental to compliment and expand on my existing.

 

[Robw54]

Agree.

I use HL for SIPP ISA and LISA and I do find the site and system in general very user friendly, just what you get used to I think.

Does HL provide much in the way of fund analysis tools (risk/rewards, drawdown, standard dev etc)? I use Best Invest who are cheap but the tools are crap. End up using trust net to analyse my portfolio.

If you buy a managed fund on Best it not far short of an advised fund purchase with a FA.

Some of the same funds also look a bit cheaper on HL too.

 

[texas pete]

Does HL provide much in the way of fund analysis tools (risk/rewards, drawdown, standard dev etc)? I use Best Invest who are cheap but the tools are crap. End up using trust net to analyse my portfolio.

If you buy a managed fund on Best it not far short of an advised fund purchase with a FA.

Some of the same funds also look a bit cheaper on HL too.

Analysis wise, nothing as detailed as you mention, or as detailed as Trustnet.

You can pull up figures for your performance over different time periods, both in terms of individual shares/funds and the whole portfolio, which is interesting, but not particularly helpful for decision making.