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Might be worth a thread handling drawdown etc and the different providers,could be a great resource for people as its crucial to get it right,and of course the nuances of taking lump sums instead of drawdown etc.As it stands i need to run ISAs down mostly due to IHT etc.When you say HL have a separate account what do you mean?

Cheers. Text though? Like II. I take 2FA to mean using an authenticator app. Text codes are not so secure (SIM intercept, etc).

Is it like this? https://tradingeconomics.com/argentina/stock-market

HL can do 2FA, and will turn it on if you ask them to. I requested it in a moment of paranoia, and now they text a code to my phone every time I log on.

They have monetised education….money just swishing around not adding value but increasing the GDP. Lecturers, light bulbs, books, student loans, fees etc etc all generating paper money and tax thereon albeit at a cost. Thats why they want everyone to have a degree even just for a basic analyst job which could be done on an old style apprenticeship. Even nursing etc could all be done to degree standard but on the job….but they want to make everyone battery hens. The students leave with debts so have to work for life…it’s a fantastic scam. It even manages to gather back some of the printing by collecting in in tax and spending by all involved.

Yep, a few ETFs are like that, including ones you'd not expect. For MM, Lyxor do overnight but again, a bit opaque. Some like PIMCO are actually ultra short bond funds of various bonds. Some pay interest monthly, some accumulate. Some are in GBP while others are in foreign currencies. Not that many overall.

We hold a variety of accounts at all the main brokers except Saxo who we tried but found their international service not as good as advertised (e.g. needed to request boring stocks to be added to their permitted trade list). Your biggest difference with an II SIPP will be the ability to reduce forex fees and/or diversify (by holding direct) currencies. That and market access. HL has issues with pricing some portfolio stocks, mainly overseas ones. They both rip you off on Forex compared to IB. At least II can be more "one and done". Yep, the mobile apps share similar functionality. IB's one (no SIPP though) is very different. IMO HL handles partial drawdowns better in that it maintains a separate account whereas II apparently pools it with separate tracking. Both were fine executing drawdowns though. IMO, better info on HL for pensions, funds, etc. IB seems to have the best security. Neither of the other two have 2FA, II texts/emails you a code FFS. Degirio has 2FA. IB uses it's own protcols. AJB won't allow VPN access, worse still, only sometimes! BTW, there's a £10pcm extra charge by II for SIPPS. PS: Market access means (for us) chosen exchange access, not via LSE International (AJB) or random choice for multiple listings (HL).

All sorted

Also some recent chatter about opening a SIPP on a platform other than HL. I just opened a SIPP with II and transferred ⅓ of my HL SIPP straight into it. I like the free regular investing feature on II (well, it's not free, but the sub is only £5.99 a month, vs £11.95 a trade on HL). I will hold the boring bit of my portfolio in II (a small collection of various equity and energy ETFs) and the "fun" stuff in HL. It will be interesting to have such an obvious performance comparison between my stock-picking ability and Mr Market's each year-end. FWIW there seems to be very little difference between the HL and II apps.

It’s goth weekend, which is always incredibly busy but there are fhl being advertised as vacant. I think there has been a massive slump.

Yes we have a change in management at the moment in our place and I may well actually be required to come in a few days a week soon. I certainly wouldn't gamble on buying a house out in the sticks in the hope that I get to WFH most of the time for the next 25 years. Anyone banking on this is playing a dangerous game, especially with the tech sector apparently having a downturn.

Didn't think of that, demand for staycations must have dropped off a cliff now, plus interest rates. I was looking for a place to stay in Dorset next month, mate sent me links to Airbnb places, it was cheaper to stay in a country inn with an ensuite and a full English breakfast.

There has been some chatter on the thread about holding CSH2 (some here, @Jesus Wept IIRC, having a significant holding) as it's a "money market fund" and perhaps the ticker leads people to believe that it is similar to holding cash. I looked into CSH2 and found that it's not a money market fund - it is a swap fund. Typically it will track SONIA and the price chart looks anything but volatile, but it is riskier than a MM fund or cash. Whether the additional 1% return on top of receiving interest for holding cash in your SIPP is worth that small risk is obviously up to the buyer.

It`s like clock work, these story appear every tine time Russia and China talk about a new financial system based in digital transactions

Lots of fhl and blocks of rentals hitting the market in Whitby and scabby.

A big London property investor I know said to me during the pandemic and the rush to WFH in the South West, and I quote "They are gonna get their arses slapped".

GDP 1.6% Inflation 3.7% So Real GDP "growth" of -2.1%, for which they are printing $1t every 3 months just to keep the wheels on. Good luck Jerome......

Tidy as I was looking at gilts and corporate bonds to use up the "starting savings rate" of £5k tax free. So £100k at 5% (if you can get it). Not quite a mediocre public sector pension level mind, that'll be more like £500k at 5% for £25k. Meanwhile what's the DC average, £40k? Don't know what happened to all that extra money they're meant to have earnt. Presumably private sector knobs are more spendthrift. Or.....

https://www.kedglobal.com/automobiles/newsView/ked202404250017 https://www.kedglobal.com/electric-vehicles/newsView/ked202404050017 Obvious hybrids are going to replace ICE only first,EV will be much later than expected.Hybrids use 10% to 15% more PGMs than ICE cars.I reckon PGMs will move into a big deficit later in the year,even bigger if Russian mines dont get back to full production.I would think we will see hybrids dates pushed back by governments soon.

Poor Stewy

nettles boss.....get some nettles down ya.......I'm on the nettles now and never felt better oops will update other thread too PS drinking nettle juice outta my coffee jar too, yum yum, up the tramp massive

£9k was meant to be the upper limit, for the real best ones! TLDR: become a plumber!

Guys, man down, Big Boy's been hacked!