It’s not a great move to use preferential pricing and HL are not exactly cheap to start off with. I think this will further backfire on them
Top 10 UK Stocks being bought and sold on Barclays Share Dealing Platform between 27th Feb and 5th March.
It’s good to see them dropping their FX fees but if you’re buying global ETFs then it won’t make a difference.
I do wonder how they are going to make money, considering how little they are charging and they are not profitable yet.
QQQ (Nasdaq 100) sadly at a 6 month low.
But hey looking on the bright side, QQQ at a cheap price! Good for long term investors! 
Pretty much all index trackers are going downhill at the moment and will probably go lower, given Trump’s indecisiveness over Iran. All we need is a sign that this isn’t going to end soon and we’re heading for a stock market crash. That’ll be the time to buy!
Bad timing for It as with the new tax year, a lot of people seem to be thinking of dropping a bunch of cash into their ISA.
I was always told to look at the dips as an opportunity to buy. It can be hard seeing negative figures or in red. It’s why it’s better not to check the apps too often, and wait for the eventual rise of the market.
It is hard for newer investors. You need to zoom out a bit e.g. right now, the markete are basically back to where they were about three months ago. What’s hard is that they’re lost those three months of gains in a matter of days.
Agreed, it’s not great. I looked at my pension by accident, as it’s shown in the Lloyds app.
I think this current situation highlights why it’s important to understand risk and what you’re comfortable with. It’s very easy to get carried away when everything is on the up and up.
It will get better, it just may take some time.
In times like this I always like to take a moment to step out look at the bigger picture. Take a look at the chart below, you’ll note two things; 1) there are lots of dips - some quite large, 2) the chart is going up, and those dips are still rises compared to years previous.
The snag is that an awful lot of people equate high risk exclusively with high returns. What they don’t appreciate is that high risk means that an investment can have dramatic drops too.
I think of the lottery as my highest risk investment. Almost all of the time, I will lose, but there is a chance that I will win really big.
I am looking forward for the new ISA year so I can buy stuff at a ‘discount’!
Vanguard VWRP (FTSE All-World UCITS ETF - Accumulation) for me.
There are cheaper and probably better funds but I like to keep things simple so 100% of my ISA and SIPP is invested in that.
The majority is with Freetrade (S&S ISA & SIPP) but I also have smaller ISAs with Revolut and Prosper as I was trying them out.
Work pension gets transferred in to the SIPP a few times a year as there are no platform fees.
Take your workplace contributions up to the maximum that they will match.
After that T212 SIPP is the way to go. Best fund in the wife’s workplace pension was returning about 12% a year. It’s returned about 45% since last August since we moved it (Steady Growth in T212 is a replica of it).
You can only cash out private pensions 10 years earlier than State Pension Age I think.
Either that or your doctor stated you have less than 12 months to live.
Sorry could you remind me how do I find your pie? Think I’ll move my PensionBee to T212 SIPP. Freetrade is a bit too hands-on and US-leaning so I’ve closed.
Early SIPP access may be permitted in very limited circumstances, including:
Serious ill health, where you have a terminal condition, and your life expectancy is less than 12 months.
Certain protected rights pension ages (for example, specific occupations or older scheme protections).
During a divorce, part of your SIPP may be transferred to your ex-partner, although typical SIPP withdrawal rules will still apply to them.
Outside of these limited exceptions, early SIPP withdrawals are not normally allowed.
This is me praying on Lloyds doing better 