Stocks and Shares ISA 20:17 - Feb 8 with 14232 views | cackinthesackjack | After becoming frustrated with a measly 1% interest on my savings i'm researching investing in a stocks and shares ISA. I've opened one with Hargreaves & Landsdown and am looking into some sort of managed fund. I'm looking at a long term investment that will (hopefully) give me a greater return on my investment. Are there any posters on here who dabble in investments that could offer some advice? Thanks in advance | ![](/images/avatars/0.gif) |
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Stocks and Shares ISA on 20:22 - Feb 8 with 11996 views | max936 | Take a look at Met Life, I've got a pension with them and was gonna put money into an ISA with them, got a good contact who deals with them if you're interested, PM me and I'll pass on your number. | ![](/images/avatars/9760.gif) |
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Stocks and Shares ISA on 20:24 - Feb 8 with 11985 views | DwightYorkeSuperstar | Nationwide has an account where you can keep £2500 with 5% interest for a year. A Halifax Vantage account lets you keep up to £15,000 at 3% interest. You can keep up to £12,000 in Tesco at 3% interest. I'm sure Lisa will let me know if I am wrong, however you do not pay tax on interest up to £1000 if you your tax rate is up to 20% and £500 at 40%, so ISA's are not the fantastic option they were a while ago. | ![](/images/avatars/10660.gif) |
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Stocks and Shares ISA on 21:00 - Feb 8 with 11935 views | owainglyndwr | RBS has a similar one to Nationwide but with RBS you can have 3 accounts, well you could 4 weeks ago. Same as anything there are some clauses to look into | ![](/images/avatars/11172.gif) | | ![](/images/icons/ignore-user.png) |
Stocks and Shares ISA on 21:00 - Feb 8 with 11934 views | monmouth |
Stocks and Shares ISA on 20:24 - Feb 8 by DwightYorkeSuperstar | Nationwide has an account where you can keep £2500 with 5% interest for a year. A Halifax Vantage account lets you keep up to £15,000 at 3% interest. You can keep up to £12,000 in Tesco at 3% interest. I'm sure Lisa will let me know if I am wrong, however you do not pay tax on interest up to £1000 if you your tax rate is up to 20% and £500 at 40%, so ISA's are not the fantastic option they were a while ago. |
Cash isas aren't that interesting for 20% taxpayers because of the new tax threshold. Stocks should still give much better value over the medium term if you can live with the risk and don't need the cash in a hurry. For stocks and shares, index trackers generally outperform managed funds and have much cheaper fees. No doubt a fund manager will tell you differently, as they make money pretending they can beat the market with anything but luck. A small change in management cost can make a disproportionate difference to the return. HL will be fine. I use Fidelity. Much of a muchness. Be prepared to leave it at least 5 years. I'm not licenced to give investment advice, so ignore me. | ![](/images/avatars/9539.gif) |
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Stocks and Shares ISA on 21:00 - Feb 8 with 11933 views | sherpajacob | For a stocks and shares IS A, the key factor in the long term return is the asset allocation. This also is the key factor in how risky ( volatile) it is. In simple terms asset allocation is how much of your money is in less volatile investments like bonds, and how much is in more volatile investments like shares. A cautious fund may be 70% bonds / 30% shares and should comfortably beat the building society without too much risk. If you want a,better return again increase the % in shares, which will also increase the risk. Medium risk would be about 40% bonds / 60% shares. Higher risk 80- 100% in shares, will give the best return over the long term, but be prepared for some ups and downs. Any fund fact sheet from any investment manager will tell you the asset allocation. The starting point is always, how much risk do you want to take? | ![](/images/avatars/9550.gif) |
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Stocks and Shares ISA on 21:04 - Feb 8 with 11912 views | Loyal | Have a decent grand or two on Robeco, USA. 11% yield for past few years. Lovely holidays I've had. | ![](/images/avatars/19328.gif) |
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Stocks and Shares ISA on 21:06 - Feb 8 with 11906 views | Bournedore | Agree with the comment on Index trackers. That's a pretty decent 'invest and forget' option. Also check out Vanguard Lifestrategy funds. They are split into different options depending upon the risk level you are comfortable with and most of the shares involved are made up of their index trackers anyway. Check your platform charges too. Not sure HL are the best option for a stocks and shares ISA if you're not doing additional trading, but I could be wrong... | ![](/images/avatars/10895.gif) | | ![](/images/icons/ignore-user.png) | Login to get fewer ads
Stocks and Shares ISA on 21:21 - Feb 8 with 11868 views | siralan | http://www.bbc.co.uk/programmes/b081qyxh Very good information on this radio 4 money box interview with john bogle the founder of Vanguard. It's interesting that managed funds perform very poorly. It goes to show how much BS these financial guessers give out at large expense. | ![](/images/avatars/0.gif) | | ![](/images/icons/ignore-user.png) |
Stocks and Shares ISA on 21:49 - Feb 8 with 11812 views | Dracan66 |
Stocks and Shares ISA on 21:21 - Feb 8 by siralan | http://www.bbc.co.uk/programmes/b081qyxh Very good information on this radio 4 money box interview with john bogle the founder of Vanguard. It's interesting that managed funds perform very poorly. It goes to show how much BS these financial guessers give out at large expense. |
HL s&s Isa is a good vehicle and Just a question all but do any of you invest in gas and oil? I'm with Sound Energy and have followed them for over a year. A great possibility of strong return and are just about to drill TE-8 in Morocco and Badile in Italy. | ![](/images/avatars/14987.gif) | | ![](/images/icons/ignore-user.png) |
Stocks and Shares ISA on 21:55 - Feb 8 with 11803 views | jack247 | Cash ISAs, at the moment are more about using up your annual allowance than the actual return I.e. if you forego it this year and spread between interest paying current accounts (some of which will require a specified turnover), you could lose out in years to come if interest rates are higher. Obviously this only applies to the very few fortunate to be able to put £15k away per year and want no risk. Managed fund ISAs are a pretty good bet. They will charge you a fee of 1% (ish), but you will have a team of experts constantly monitoring the market and buying and selling on your behalf. Plus they count towards your ISA allowance and you could convert them to cash ISAs if interest rates increased enough to justify it. Not risk free, but kind of a compromise between a cash ISA and hitting the stock market yourself. | ![](/images/avatars/0.gif) | | ![](/images/icons/ignore-user.png) |
Stocks and Shares ISA on 21:58 - Feb 8 with 11789 views | pikeypaul | These things are common knowledge to large investors and are already priced in to its share price. If you know something about the company that no one else knows then that's a different matter. | ![](/images/avatars/14875.gif) |
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Stocks and Shares ISA on 22:00 - Feb 8 with 11785 views | Clinton | I put money into Fundsmith ISA this year. Long term one. | ![](/images/avatars/9081.gif) |
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Stocks and Shares ISA on 22:21 - Feb 8 with 11746 views | TheResurrection | It's generally not fair on yourself or other's to ask for recommendations when investing in pension/investment funds. What maybe suitable for one will possibly be not for another. You'll have to weigh up your financial situation against your aims and objectives and time horizon, any other need areas to consider, other investments already held, have you utilised tax free products etc, how much you're able or want to invest, your tolerance for risk and capacity for loss. Then, depending on all that and your tax bracket you can start to look at suitable products that match your attitude to risk... Capital protection, open ended etc. The markets have done well the last few years so lots of funds will be showing good growth figures but the usual disclaimer, the past should never be relied upon. Fees and charges are worth paying for the right advice and products. Do you have a financial adviser? ;-) | ![](/images/avatars/21041.gif) |
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Stocks and Shares ISA on 22:25 - Feb 8 with 11737 views | Dr_Winston | Property always the best investment unless you get greedy. | ![](/images/avatars/8802.gif) |
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Stocks and Shares ISA on 22:31 - Feb 8 with 11715 views | TheResurrection |
Stocks and Shares ISA on 22:25 - Feb 8 by Dr_Winston | Property always the best investment unless you get greedy. |
Something as illiquid as property makes that statement in isolation very poor advice. Which is not to say an element of ones overall portfolio being in property would be. | ![](/images/avatars/21041.gif) |
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Stocks and Shares ISA on 22:33 - Feb 8 with 11707 views | Dr_Winston |
Stocks and Shares ISA on 22:31 - Feb 8 by TheResurrection | Something as illiquid as property makes that statement in isolation very poor advice. Which is not to say an element of ones overall portfolio being in property would be. |
Return on property generally around the 7% mark almost in perpetuity unless you're one of the idiots who pays over £100k for a BTL. It's not flexible, but it's safe. | ![](/images/avatars/8802.gif) |
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Stocks and Shares ISA on 22:50 - Feb 8 with 11678 views | Wingstandwood | There are two ways of going about this i.e. invest by means of a financial advisor or invest directly yourself by means of a broker e.g. https://www.tddirectinvesting.co.uk/. https://www.barclaysstockbrokers.co.uk/Pages/index.aspx http://www.hl.co.uk/ https://www.share.com/ The nice thing about buying your own shares that way is you can set a 'stop-loss' so if there were to be a major crash you will be able to significantly reduce losses. FTSE 100 is generally a safe bet especially if you're a long term investor i.e. even with a fall it has always historically bounced back again so a stop-loss does not have to be set if you're prepared to ride out a storm. Do not get seduced by the more risky FTSE SmallCap, FTSE Fledgling stuff i.e. explorative mining, oil exploration, minor-pharmaceutical drug producer/researcher. They tend to be risky because these enterprises can have huge irrevocable share price falls and can even go bust at times! Also do not put all your eggs in one basket e.g. having an entire portfolio invested in the property market IMO buying a diverse range of shares in utilities, property, retail, major pharmaceutical companies etc is better. A good book to read about shares that many recommend is https://www.amazon.co.uk/Naked-Trader-Anyone-Trading-Shares/dp/1905641516. [Post edited 8 Feb 2017 22:54]
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Stocks and Shares ISA on 23:09 - Feb 8 with 11631 views | KingstonJack | I made 14% & the wife 17% in last 14 moths with a HL stock & shares ISA. She was more conservative in her choices. I've just cashed-out some for some building work. Also because I think we are in volatile times with article 50 about to be triggered. I liked the company, and you can trade regularly if you want or leave it to be managed. | ![](/images/avatars/0.gif) | | ![](/images/icons/ignore-user.png) |
Stocks and Shares ISA on 23:19 - Feb 8 with 11607 views | siralan |
Stocks and Shares ISA on 23:09 - Feb 8 by KingstonJack | I made 14% & the wife 17% in last 14 moths with a HL stock & shares ISA. She was more conservative in her choices. I've just cashed-out some for some building work. Also because I think we are in volatile times with article 50 about to be triggered. I liked the company, and you can trade regularly if you want or leave it to be managed. |
FTSE 100 has gone up around 20% 5950-7188 in that time a simple blind ftse 100 tracker had out performed your choice. If you listen to the link to the money box link it explains what bad value managed funds are. | ![](/images/avatars/0.gif) | | ![](/images/icons/ignore-user.png) |
Stocks and Shares ISA on 23:53 - Feb 8 with 11578 views | KingstonJack |
Stocks and Shares ISA on 23:19 - Feb 8 by siralan | FTSE 100 has gone up around 20% 5950-7188 in that time a simple blind ftse 100 tracker had out performed your choice. If you listen to the link to the money box link it explains what bad value managed funds are. |
Well I'm fully aware of the FTSE 100 movements thanks. , a FTSE 100 - only investment could and has lost many % short term in the past also. Those companies were only a % of my chosen mix ( I certainly wouldn't want to put eggs in 1 basket which I consider high-risk). As has been said, I chose to mix in property, foreign finance, and even ethical investments. I'll take my 14% gain in just over a year. Managed funds can cost 1-2% which does add up in the long term, but it's hands-off, choice to interfere obviously. I think the OP is just asking for inputs and thoughts. If there was a guarantee of a huge return on a certain investment we'd all be doing it | ![](/images/avatars/0.gif) | | ![](/images/icons/ignore-user.png) |
Stocks and Shares ISA on 00:46 - Feb 9 with 11545 views | Joe_bradshaw |
Stocks and Shares ISA on 23:19 - Feb 8 by siralan | FTSE 100 has gone up around 20% 5950-7188 in that time a simple blind ftse 100 tracker had out performed your choice. If you listen to the link to the money box link it explains what bad value managed funds are. |
You still need to be careful which company you use. Some trackers return considerably more than others which, in theory, shouldn't happen but it does. | ![](/images/avatars/9110.gif) |
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Stocks and Shares ISA on 07:57 - Feb 9 with 11464 views | monmouth |
Stocks and Shares ISA on 00:46 - Feb 9 by Joe_bradshaw | You still need to be careful which company you use. Some trackers return considerably more than others which, in theory, shouldn't happen but it does. |
The charges normally plus the tracking error. Shouldn't really pay more than 0.5% management fee or under 1% all charges. Fidelity were the cheapest, probably most are in line now. Halifax were charging 1.5% fee alone at one point, the shysters. Makes a big difference with the magic of compounding. | ![](/images/avatars/9539.gif) |
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Stocks and Shares ISA on 11:08 - Feb 9 with 11339 views | Pegojack |
An alternative to buying funds and forking out money to fund managers is to have a self select share ISA. I've had one for many years with stockbrokers Pilling & Co, and it forms the core of my retirement plans. In this kind of ISA, YOU take all the decisions, i.e. what to buy (and sell) and when. The stockbroker is execution only, i.e. they do your bidding without any advice or comment. I'd recommend this for people who are starting out on the investment trail and want some serious, hands on involvement, though obviously do it cautiously at first. Start with small sums of money and never over stretch yourself. Do plenty of research and learn how the market works. If you're young, you can start this as a hobby in conjunction with whatever regular pension you're paying into. I've built up a strong portfolio over the years, mostly 'blue chip' stocks like BP, Diageo, GSK, but also one or two smaller 'below the radar' companies. The portfolio is currently yielding about 4% annually in divis (which are all re-invested) and the capital growth is standing at about 50%. Aside from the trading commissions, the only fee is £140 annually, taken by Pilling from your cash pot. As your investments and divis increase, this fee becomes inconsequential. Great fun and it can become addictive! | ![](/images/avatars/9145.gif) | | ![](/images/icons/ignore-user.png) |
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