investing in stocks and shares

ChesterDog

Richard1212 said:

NoviceInvestor1 said:

Richard1212 said:

You sound like a candidate for an ISA, Robert. I don't bother with them but they are solid for beginners ( though they usually result in people not bothering to find out all about investing by themselves, which is a shame).
When you learn everything about investing and all its complexities, it is far more interesting to invest in individual companies by yourself ( or with professional advice) via an investment platform  and , if you have enough capital, to filter your money through such a platform and build up your own portfolio.

For someone starting off , leaving boring ISAs aside, you may wish to look at a good investment platform----Etoro springs to mind : simple, straightforward, easy to use ----and you can put in as much as you want and take out as much as you want quickly and efficiently in complete safety ( though the share prices themselves are, of course , never "safe" .

But, as other posters have said, investing is not a simple matter. So my suggestion is to go for ISA; and, if you want to handle your own buying and selling, especially if you have large amounts, take the ISA time to learn all you can about stocks and shares and dealing----there is plenty of info available on google ( and you need all of it ). Whatever you decide on, Robert, I wish you every success and I also hope you have fun as well. All the best.

Someone with this level of knowledge should not be offering advice or opinions to others. 

Why such vitriol and hate when I have been investing for over 30 years and have a large portfolio usually consisting of diverse companies in about 8 or 9 sectors ?  All I have done is to recommend an ISA to Robert as he seems like a good candidate---but also mentioned how much fun and interest comes from investing without the ISA umbrella, but that he should learn as much as he can first. Surely that paraphrasing of my post cannot elicit such a nasty post as yours ???? .Bewildered!

But you dismissed isas as being boring and for beginners, when they should be a tax-efficient mainstay of anyone's investment plan.

Why do you not "bother with them"? Far less bother (and taxation) than in a non-sheltered account.

Linton

Richard1212 said:

NoviceInvestor1 said:

Richard1212 said:

You sound like a candidate for an ISA, Robert. I don't bother with them but they are solid for beginners ( though they usually result in people not bothering to find out all about investing by themselves, which is a shame).
When you learn everything about investing and all its complexities, it is far more interesting to invest in individual companies by yourself ( or with professional advice) via an investment platform  and , if you have enough capital, to filter your money through such a platform and build up your own portfolio.

For someone starting off , leaving boring ISAs aside, you may wish to look at a good investment platform----Etoro springs to mind : simple, straightforward, easy to use ----and you can put in as much as you want and take out as much as you want quickly and efficiently in complete safety ( though the share prices themselves are, of course , never "safe" .

But, as other posters have said, investing is not a simple matter. So my suggestion is to go for ISA; and, if you want to handle your own buying and selling, especially if you have large amounts, take the ISA time to learn all you can about stocks and shares and dealing----there is plenty of info available on google ( and you need all of it ). Whatever you decide on, Robert, I wish you every success and I also hope you have fun as well. All the best.

Someone with this level of knowledge should not be offering advice or opinions to others. 

Why such vitriol and hate when I have been investing for over 30 years and have a large portfolio usually consisting of diverse companies in about 8 or 9 sectors ?  All I have done is to recommend an ISA to Robert as he seems like a good candidate---but also mentioned how much fun and interest comes from investing without the ISA umbrella, but that he should learn as much as he can first. Surely that paraphrasing of my post cannot elicit such a nasty post as yours ???? .Bewildered!

What fun and interest do you have outside an ISA which you cant have inside?  The only one I can think of is working out your Capital Gains Tax. 

Richard1212

Linton said:

Richard1212 said:

NoviceInvestor1 said:

Richard1212 said:

You sound like a candidate for an ISA, Robert. I don't bother with them but they are solid for beginners ( though they usually result in people not bothering to find out all about investing by themselves, which is a shame).
When you learn everything about investing and all its complexities, it is far more interesting to invest in individual companies by yourself ( or with professional advice) via an investment platform  and , if you have enough capital, to filter your money through such a platform and build up your own portfolio.

For someone starting off , leaving boring ISAs aside, you may wish to look at a good investment platform----Etoro springs to mind : simple, straightforward, easy to use ----and you can put in as much as you want and take out as much as you want quickly and efficiently in complete safety ( though the share prices themselves are, of course , never "safe" .

But, as other posters have said, investing is not a simple matter. So my suggestion is to go for ISA; and, if you want to handle your own buying and selling, especially if you have large amounts, take the ISA time to learn all you can about stocks and shares and dealing----there is plenty of info available on google ( and you need all of it ). Whatever you decide on, Robert, I wish you every success and I also hope you have fun as well. All the best.

Someone with this level of knowledge should not be offering advice or opinions to others. 

Why such vitriol and hate when I have been investing for over 30 years and have a large portfolio usually consisting of diverse companies in about 8 or 9 sectors ?  All I have done is to recommend an ISA to Robert as he seems like a good candidate---but also mentioned how much fun and interest comes from investing without the ISA umbrella, but that he should learn as much as he can first. Surely that paraphrasing of my post cannot elicit such a nasty post as yours ???? .Bewildered!

What fun and interest do you have outside an ISA which you cant have inside?  The only one I can think of is working out your Capital Gains Tax. 

If you've never had a large portfolio outside an ISA , then there's no use in my trying to explain to you the thrills and spills, the research and attachment to various companies. You've missed a lot.

Linton

Richard1212 said:

Linton said:

Richard1212 said:

NoviceInvestor1 said:

Richard1212 said:

You sound like a candidate for an ISA, Robert. I don't bother with them but they are solid for beginners ( though they usually result in people not bothering to find out all about investing by themselves, which is a shame).
When you learn everything about investing and all its complexities, it is far more interesting to invest in individual companies by yourself ( or with professional advice) via an investment platform  and , if you have enough capital, to filter your money through such a platform and build up your own portfolio.

For someone starting off , leaving boring ISAs aside, you may wish to look at a good investment platform----Etoro springs to mind : simple, straightforward, easy to use ----and you can put in as much as you want and take out as much as you want quickly and efficiently in complete safety ( though the share prices themselves are, of course , never "safe" .

But, as other posters have said, investing is not a simple matter. So my suggestion is to go for ISA; and, if you want to handle your own buying and selling, especially if you have large amounts, take the ISA time to learn all you can about stocks and shares and dealing----there is plenty of info available on google ( and you need all of it ). Whatever you decide on, Robert, I wish you every success and I also hope you have fun as well. All the best.

Someone with this level of knowledge should not be offering advice or opinions to others. 

Why such vitriol and hate when I have been investing for over 30 years and have a large portfolio usually consisting of diverse companies in about 8 or 9 sectors ?  All I have done is to recommend an ISA to Robert as he seems like a good candidate---but also mentioned how much fun and interest comes from investing without the ISA umbrella, but that he should learn as much as he can first. Surely that paraphrasing of my post cannot elicit such a nasty post as yours ???? .Bewildered!

What fun and interest do you have outside an ISA which you cant have inside?  The only one I can think of is working out your Capital Gains Tax. 

If you've never had a large portfolio outside an ISA , then there's no use in my trying to explain to you the thrills and spills, the research and attachment to various companies. You've missed a lot.

You can trade shares, do your own research etc within an S&S SA.  How do you think that an ISA stops you? Do you have one?

Personally I invest to have sufficient money on which to live comfortably, thrills and spills should be the last thing on a serious investor's mind.  On the other hand if it's all just a sort of video game, well fine, whatever keeps you happy.

Richard1212

ChesterDog said:

Richard1212 said:

NoviceInvestor1 said:

Richard1212 said:

You sound like a candidate for an ISA, Robert. I don't bother with them but they are solid for beginners ( though they usually result in people not bothering to find out all about investing by themselves, which is a shame).
When you learn everything about investing and all its complexities, it is far more interesting to invest in individual companies by yourself ( or with professional advice) via an investment platform  and , if you have enough capital, to filter your money through such a platform and build up your own portfolio.

For someone starting off , leaving boring ISAs aside, you may wish to look at a good investment platform----Etoro springs to mind : simple, straightforward, easy to use ----and you can put in as much as you want and take out as much as you want quickly and efficiently in complete safety ( though the share prices themselves are, of course , never "safe" .

But, as other posters have said, investing is not a simple matter. So my suggestion is to go for ISA; and, if you want to handle your own buying and selling, especially if you have large amounts, take the ISA time to learn all you can about stocks and shares and dealing----there is plenty of info available on google ( and you need all of it ). Whatever you decide on, Robert, I wish you every success and I also hope you have fun as well. All the best.

Someone with this level of knowledge should not be offering advice or opinions to others. 

Why such vitriol and hate when I have been investing for over 30 years and have a large portfolio usually consisting of diverse companies in about 8 or 9 sectors ?  All I have done is to recommend an ISA to Robert as he seems like a good candidate---but also mentioned how much fun and interest comes from investing without the ISA umbrella, but that he should learn as much as he can first. Surely that paraphrasing of my post cannot elicit such a nasty post as yours ???? .Bewildered!

But you dismissed isas as being boring and for beginners, when they should be a tax-efficient mainstay of anyone's investment plan.

Why do you not "bother with them"? Far less bother (and taxation) than in a non-sheltered account.

I do not bother with them because I am fortunate enough not to have to bother with them. Yet, trying to understand O/P's position, I did indeed recommend that he used ISA. 
"Boring" is not a good word and I withdraw it ( though it doesn't deserve a hateful reaction)-----I just think one's own portfolio outside the ISA umbrella gives far more options, especially in NASDAQ, and it's far more "hands on". I meant nothing sinister except for giving my personal feelings, which I believe are allowed on this forum.
There was certainly no need for what I rightly called "vitriol and hate" just over an honest opinion given in good faith. 
There seems to be a lot of tension on this forum when it should be friendly and full of fun as well as serious financial advice-----similar to Martin's own articles, which are so often written with a great element of fun and humour amidst the gravitas and serious info.

ChesterDog

But in what way do you feel they are more bother than an account on which you are liable for tax?

eskbanker

Linton said:
You can trade shares, do your own research etc within an S&S SA.  How do you think that an ISA stops you? Do you have one?

Personally I invest to have sufficient money on which to live comfortably, thrills and spills should be the last thing on a serious investor's mind.  On the other hand if it's all just a sort of video game, well fine, whatever keeps you happy.

What keeps him happy would appear to be popping up on here from time to time under new identities, and trying to stir things up with contentious opinions (I'll refrain from the obvious word), such as snooty disdain for ISAs....

https://forums.moneysavingexpert.com/discussion/comment/77217187#Comment_77217187

ColdIron

Richard1212 said:

ChesterDog said:

Richard1212 said:

NoviceInvestor1 said:

Richard1212 said:

You sound like a candidate for an ISA, Robert. I don't bother with them but they are solid for beginners ( though they usually result in people not bothering to find out all about investing by themselves, which is a shame).
When you learn everything about investing and all its complexities, it is far more interesting to invest in individual companies by yourself ( or with professional advice) via an investment platform  and , if you have enough capital, to filter your money through such a platform and build up your own portfolio.

For someone starting off , leaving boring ISAs aside, you may wish to look at a good investment platform----Etoro springs to mind : simple, straightforward, easy to use ----and you can put in as much as you want and take out as much as you want quickly and efficiently in complete safety ( though the share prices themselves are, of course , never "safe" .

But, as other posters have said, investing is not a simple matter. So my suggestion is to go for ISA; and, if you want to handle your own buying and selling, especially if you have large amounts, take the ISA time to learn all you can about stocks and shares and dealing----there is plenty of info available on google ( and you need all of it ). Whatever you decide on, Robert, I wish you every success and I also hope you have fun as well. All the best.

Someone with this level of knowledge should not be offering advice or opinions to others. 

Why such vitriol and hate when I have been investing for over 30 years and have a large portfolio usually consisting of diverse companies in about 8 or 9 sectors ?  All I have done is to recommend an ISA to Robert as he seems like a good candidate---but also mentioned how much fun and interest comes from investing without the ISA umbrella, but that he should learn as much as he can first. Surely that paraphrasing of my post cannot elicit such a nasty post as yours ???? .Bewildered!

But you dismissed isas as being boring and for beginners, when they should be a tax-efficient mainstay of anyone's investment plan.

Why do you not "bother with them"? Far less bother (and taxation) than in a non-sheltered account.

I do not bother with them because I am fortunate enough not to have to bother with them.

The only circumstance that I can think of where you do not have to bother with them is where your tax liability fits comfortably within the various allowances

ColdIron

eskbanker said:

Linton said:
You can trade shares, do your own research etc within an S&S SA.  How do you think that an ISA stops you? Do you have one?

Personally I invest to have sufficient money on which to live comfortably, thrills and spills should be the last thing on a serious investor's mind.  On the other hand if it's all just a sort of video game, well fine, whatever keeps you happy.

What keeps him happy would appear to be popping up on here from time to time under new identities, and trying to stir things up with contentious opinions (I'll refrain from the obvious word), such as snooty disdain for ISAs....

https://forums.moneysavingexpert.com/discussion/comment/77217187#Comment_77217187

Indeed. We used to have a poster here who boasted about his London Good Delivery Bar of gold amongst other Walter Mitty claims

Albermarle

eskbanker said:

Linton said:
You can trade shares, do your own research etc within an S&S SA.  How do you think that an ISA stops you? Do you have one?

Personally I invest to have sufficient money on which to live comfortably, thrills and spills should be the last thing on a serious investor's mind.  On the other hand if it's all just a sort of video game, well fine, whatever keeps you happy.

What keeps him happy would appear to be popping up on here from time to time under new identities, and trying to stir things up with contentious opinions (I'll refrain from the obvious word), such as snooty disdain for ISAs....

https://forums.moneysavingexpert.com/discussion/comment/77217187#Comment_77217187

Well spotted ! I see in this previous incarnation  they were also very sensitive about 'hateful comments', and banned from the forum as well.