Share Dealing Discussion Area

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  • caveman
    caveman Posts: 29 Forumite
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    Halifax Sharebuilder* scheme is set up for those who want to buy small amounts of shares each month, rather than in lump sums. The shares are only bought on a fixed day each month, so unlike others it's not real time dealing.
    You only pay £1.50 to buy the shares regardless of amount, and there's no management fee. Yet sales are real time, so the price is £5 for amounts under £250 and £11.95 for larger trades.

    I'm a little confused what this means - Is it £1.50 per transaction or £5 and £11.95?
  • sabretoothtigger
    sabretoothtigger Posts: 10,035 Forumite
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    Biggles wrote: »
    So it is, indeed, part of Lloyds Banking Group.
    Its just like :p
    drake45934362.jpg


    Caveman, every share has a roundtrip cost. Unless your real name is Warren Buffet you will sell everything you buy some day


    So theres buying costs, holding costs and selling costs. It can be pretty costly, some brokers charge for just about everything

    Halifax you mentioned there are fairly friendly from what Ive seen. This summer they are changing apparently so stay tuned I guess

    Total cost for them like I said above would be 1.50 + 0 + 11.95 = 13.45

    Or if you were to sell a tiny amount of under 250 GBP then its

    1.50 + 0 + 5 = 6.50


    Also the taxman charges stamp duty of 0.1% I think on buying most shares but not all.


    If you buy in real time it'd be 11.95 + 0 + 11.95 = 23.80


    The proper use of share builder is to buy monthly so lets say you buy for 6 months because everyone thinks tesco is going to go bust, but by July they've sold lots of barbecues and their price doubles

    1.50 + 1.50 + 1.50 + 1.50 + 1.50 + 1.50 + 0 + 11.95 = 20.95

    Its still cheaper then buying in real time
  • caveman
    caveman Posts: 29 Forumite
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    Ah that clears it up thanks - yes I'd read "sales" to mean the shares being sold to me (instead of when I come to sell)
    d'oh!
  • Andrew2010
    Andrew2010 Posts: 71 Forumite
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    I got charged over 11pounds for buying a few shares well below £250 from Halifax Sharebuilder.
  • sabretoothtigger
    sabretoothtigger Posts: 10,035 Forumite
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    The standard dealing charge is 12 pounds so that figures, give them a ring about their charges for regular investing and how to do that
  • Oldbiggles
    Oldbiggles Posts: 499 Forumite
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    Biggles wrote: »
    Wasn't it taken over by LloydsTSB? Maybe this thread http://forums.moneysavingexpert.com/showthread.php?t=1855845 will give a clue?

    Yes, you are correct.
    Santander took over alliance & leicester, and BRADFORD & BINGLEY (not B'MIDSHIRES)
    The reason I got it wrong is because I still have a red mist in my eyes regarding the demise of Brad. & Bing. as I received no compensation when they were taken over.
    Trying to learn something new every day.

    ;)
  • sabretoothtigger
    sabretoothtigger Posts: 10,035 Forumite
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    edited 22 August 2010 at 10:32PM
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    The government owns Bingleys mortgages still and all the sub prime car loan debt they stupidly bought up. Only hsbc offered to take it if they were paid to buy it

    Mon 23rd August

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  • jxh885
    jxh885 Posts: 4 Newbie
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    i signed upto to use halifax sharebuilder. easy to use and for £1.50 cannot be beaten. obviously you loose a bit of control about having to wait a day or two to make your investment but if your planning on buying shares to hold onto for the long term then that shouldn't matter.

    i just bought my first few shares today, still just a uni student so im planning on holding onto all of these for the long term. ill be reinvesting the dividends.

    vodafone, bt, royal dutch shell, tesco, astrazeneca and aviva.

    will be investing further in the coming weeks
  • Kalahary
    Kalahary Posts: 43 Forumite
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    I'm still at University and looking at investing too. I've signed up with iii share dealing but you seem a little braver than me... I'm still only adding companies to a practice portfolio and haven't made the jump into using real money yet.

    Not doing to badly, but really annoyed I didn't have real money when I found out about HP making an offer for 3PAR Inc. when their share price was still only $18.04. Went up to $27 and made a 49% profit on my practice portfolio. :mad:
  • Kalahary
    Kalahary Posts: 43 Forumite
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    I've been following the 3PAR story recently and I'm a little confused by something...

    The latest and highest offer to buy the company was from HP with $27 a share, valuing the company around $1.8billion. See here...

    www[dot]theregister[dot]co[dot]uk/2010/08/27/hp_rebid/ Cant post links directly so fill in the dots.

    What I don't understand is why the share price is currently $5.46 above this, at $32.46. The only reason I can think of is if people are anticipating Dell to make a higher offer so the shares they buy now at $32.46 will eventually make a profit? However, if Dell withdraw from their bidding match with HP, surely they are going to loose $5.46 per share, but I suppose that's the risk they have to take.

    Please correct me if I'm wrong...
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