Help please with selling IT's from HL ISA a/c

TUVOK

If you have a IT in your HL S&S's ISA and sell it what are the charges please?

bowlhead99

Is Google down at the moment?

https://www.hl.co.uk/investment-services/isa/savings-interest-rates-and-charges

Online and mobile app share dealing

Including UK and overseas shares*, investment trusts, exchange-traded funds, gilts and bonds.

Number of deals in previous month	Charge per deal
0 - 9	£11.95
10 - 19	£8.95
20+	£5.95

*There’s an added foreign exchange charge for overseas share deals, depending on deal size. See our overseas share dealing page for details

TUVOK

Thank you.
I did search on their site in their help section, but I obviously did not search well enough.
My thanks for this, but I do wish there was some uniformity in platform charges, it's a difficult task trying to identify charges even with the help of the tools available, well I find it is.

MarkCarnage

I do wish there was some uniformity in platform charges

Presumably you wouldn't if they were uniformly high ?

Differentiation and segmentation makes the market. Don't use HL if you have a big portfolio, all in funds, or if you hold shares and deal frequently. 

On the other hand, they are quite competitive if you hold ITs, and don't deal often. 

TUVOK

Yes, I appreciate that with competition there is cheaper prices, but investment platforms charge and comparison finding must be one of the hardest things to do compared to say house insurance comparison etc.

cloud_dog

If only someone like SnowMan, had created a spreadsheet for Coolly Comparing Investment Platform Charges... Hmmm.

MarkCarnage

TUVOK said:

Yes, I appreciate that with competition there is cheaper prices, but investment platforms charge and comparison finding must be one of the hardest things to do compared to say house insurance comparison etc.

Neither are a bundle of laughs in my view, though I find house insurance comparisons a lot harder....perhaps down to specific circumstances around like for like cover comparisons. It's easy for the basic stuff. Less so for some things on my policy. 

TUVOK

cloud_dog
If only someone like SnowMan, had created a spreadsheet for Coolly Comparing Investment Platform Charges... Hmmm.

I am aware of that spreadsheet, also Monevator, Boring money and This is money etc efforts to simplify, but the fact is that it is not easy despite these tools, which is often stated by the authors.
Many other columnists from what I read are of the same opinion, that it is difficult and can take a lot of time, plus the compostion of your accounts, i.e. Trading, Sipps, Isa's and the holdings, shares,ETF's, funds IT's also complicate matters.

eskbanker

TUVOK said:

Thank you.
I did search on their site in their help section, but I obviously did not search well enough.
My thanks for this, but I do wish there was some uniformity in platform charges, it's a difficult task trying to identify charges even with the help of the tools available, well I find it is.

TUVOK said:

Yes, I appreciate that with competition there is cheaper prices, but investment platforms charge and comparison finding must be one of the hardest things to do compared to say house insurance comparison etc.

If the house insurance market included providers who charged per bedroom, others who based numbers on square footage, others who priced per storey, etc, then it would be similarly difficult to condense a comparison down to being simple!

Since there are more pricing models with platforms, plus variations according to size of pot, frequency of trades, choice of investments, etc, there are too many dimensions to boil it all down to a simple comparison, but if you know what your trading and holding pattern is going to look like (much like answering all the property questions on house insurance comparisons) then there are a number of tools available alongside SnowMan's spreadsheet, such as:

http://monevator.com/compare-the-brokers/

http://www.comparefundplatforms.com/

https://www.boringmoney.co.uk/calculator/

And individual platform charges are generally pretty straightforward to find on their websites, as I understand it they're obliged to make them so....

cloud_dog

TUVOK said:

cloud_dog
If only someone like SnowMan, had created a spreadsheet for Coolly Comparing Investment Platform Charges... Hmmm.

I am aware of that spreadsheet, also Monevator, Boring money and This is money etc efforts to simplify, but the fact is that it is not easy despite these tools, which is often stated by the authors.
Many other columnists from what I read are of the same opinion, that it is difficult and can take a lot of time, plus the compostion of your accounts, i.e. Trading, Sipps, Isa's and the holdings, shares,ETF's, funds IT's also complicate matters.

Yeah, I understand what you are saying.  I would say that I have found the spreadsheet invaluable to put in my account  types, investment types, holdings, likely trading pattern and for it to, at the very least, guide me to focus on a couple / few that I can investigate (size) further.