Who Wants to be a ISA Millionaire
Discussion
JulianPH said:
DoubleSix said:
Give it a rest...
Give "what" a rest?You have stated your credentials, I asked a simple question.
If you are not able to answer it then fair enough.
Typo Edit
Edited by JulianPH on Tuesday 22 May 20:51
See how this works yet?
DoubleSix said:
And I asked you yours but you weren’t able to answer...
See how this works yet?
What on earth does my 'unqualified' status have to do with your 'qualified status'? Or are you just arguing over nothing?See how this works yet?
Can you tell us how your service works, or not?
Edited to add, can you respond or not?
JulianPH said:
DoubleSix said:
And I asked you yours but you weren’t able to answer...
See how this works yet?
What on earth does my 'unqualified' status have to do with your 'qualified status'? Or are you just arguing other nothing?See how this works yet?
Can you tell us how your service works, or not?
DoubleSix said:
JulianPH said:
DoubleSix said:
And I asked you yours but you weren’t able to answer...
See how this works yet?
What on earth does my 'unqualified' status have to do with your 'qualified status'? Or are you just arguing other nothing?See how this works yet?
Can you tell us how your service works, or not?
Just say if you can't answer the question (rather than retort with something non-relevant.
BoRED S2upid said:
Joscal said:
I'm confused!
If the money is put into a SIPP do the beneficiaries have to wait until they hit retirement age before they can access the funds or is it it participating members only?
Yes you have to wait until retirement age to access a SIPP those two aren’t going to answer you (without charging If the money is put into a SIPP do the beneficiaries have to wait until they hit retirement age before they can access the funds or is it it participating members only?
The Mad Monk said:
I don't feel that we were put on this earth(see note 1.) to save money for our children, or grandchildren.
Because, logically, those children and grandchildren will have to save that money - and add to it - to pass on to their children and grandchildren and so it will go on and on. Nobody will ever spend the money, it will simply be passed on to our successors. What is the point in that?
Note 1. I don't know why we were put on this earth - do you have any idea?
Agreed. Because, logically, those children and grandchildren will have to save that money - and add to it - to pass on to their children and grandchildren and so it will go on and on. Nobody will ever spend the money, it will simply be passed on to our successors. What is the point in that?
Note 1. I don't know why we were put on this earth - do you have any idea?
I reckon my M-i-L goes without because she's obsessed with the idea of leaving something behind. Crazy.
Can't answer your question. :-p
DoubleSix said:
And I asked you yours but you weren’t able to answer...
See how this works yet?
Okay, I'll bite:See how this works yet?
Active portfolio management, risk assessed asset allocation mapping, underlying investment selection, unitisation, rebalancing, SIPP/Pension management (including tax reclaims, HMRC reporting and payroll tax calculations and deductions) and ISA plan management, together with 24/7 client and adviser online valuation/reporting feeds and fully online applications under our or your brand.
All for between 0.8% to 0.9% a year. This includes all of the above and the cost of the underlying investments, stamp duty, dealing, and custodianship.
We also collect and pay adviser charging, which is always set at a higher level than our own fees. Hence my question.
So, there you go. The total costs of a provider.
What do you do and charge for it when it comes to advice? I (and others here) are genuinely interested.
Edited - brand, not band!
Edited by JulianPH on Wednesday 23 May 23:35
joyless lobotomised parrot said:
Just had a peek at my ISA.
If it keeps adding gains at the rate it has since October 2016, I calculate that it'll have gained £1M over and above what's been put into it by about 2716.
On the other hand, if my SIPP does the same, then Warren Buffett will be seeking my advice If it keeps adding gains at the rate it has since October 2016, I calculate that it'll have gained £1M over and above what's been put into it by about 2716.
JulianPH said:
Okay, I'll bite:
Active portfolio management, risk assessed asset allocation mapping, underlying investment selection, unitisation, rebalancing, SIPP/Pension management (including tax reclaims, HMRC reporting and payroll tax calculations and deductions) and ISA plan management, together with 24/7 client and adviser online valuation/reporting feeds and fully online applications under our or your brand.
All for between 0.8% to 0.9% a year. This includes all of the above and the cost of the underlying investments, stamp duty, dealing, and custodianship.
We also collect and pay adviser charging, which is always set at a higher level than our own fees. Hence my question.
So, there you go. The total costs of a provider.
What do you do and charge for it when it comes to advice? I (and others here) are genuinely interested.
Edited - brand, not band!
That sounds great, sign me up!Active portfolio management, risk assessed asset allocation mapping, underlying investment selection, unitisation, rebalancing, SIPP/Pension management (including tax reclaims, HMRC reporting and payroll tax calculations and deductions) and ISA plan management, together with 24/7 client and adviser online valuation/reporting feeds and fully online applications under our or your brand.
All for between 0.8% to 0.9% a year. This includes all of the above and the cost of the underlying investments, stamp duty, dealing, and custodianship.
We also collect and pay adviser charging, which is always set at a higher level than our own fees. Hence my question.
So, there you go. The total costs of a provider.
What do you do and charge for it when it comes to advice? I (and others here) are genuinely interested.
Edited - brand, not band!
Edited by JulianPH on Wednesday 23 May 23:35
DoubleSix said:
No, I definitely wouldn’t Julian.
On the basis that you haven’t shown any openess regarding your own experience I shall not be rushing to answer your questions. Adieu.
Why are you acting like this? I have divulged all I do. You refuse to do so.On the basis that you haven’t shown any openess regarding your own experience I shall not be rushing to answer your questions. Adieu.
How stupid do you consider people to be?
It is not a difficult question, after all.
JulianPH said:
Active portfolio management, risk assessed asset allocation mapping, underlying investment selection, unitisation, rebalancing, SIPP/Pension management (including tax reclaims, HMRC reporting and payroll tax calculations and deductions) and ISA plan management, together with 24/7 client and adviser online valuation/reporting feeds and fully online applications under our or your brand.
All for between 0.8% to 0.9% a year. This includes all of the above and the cost of the underlying investments, stamp duty, dealing, and custodianship.
We also collect and pay adviser charging, which is always set at a higher level than our own fees. Hence my question.
So, there you go. The total costs of a provider.
Sounds good!All for between 0.8% to 0.9% a year. This includes all of the above and the cost of the underlying investments, stamp duty, dealing, and custodianship.
We also collect and pay adviser charging, which is always set at a higher level than our own fees. Hence my question.
So, there you go. The total costs of a provider.
Phooey said:
JulianPH said:
Active portfolio management, risk assessed asset allocation mapping, underlying investment selection, unitisation, rebalancing, SIPP/Pension management (including tax reclaims, HMRC reporting and payroll tax calculations and deductions) and ISA plan management, together with 24/7 client and adviser online valuation/reporting feeds and fully online applications under our or your brand.
All for between 0.8% to 0.9% a year. This includes all of the above and the cost of the underlying investments, stamp duty, dealing, and custodianship.
We also collect and pay adviser charging, which is always set at a higher level than our own fees. Hence my question.
So, there you go. The total costs of a provider.
Sounds good!All for between 0.8% to 0.9% a year. This includes all of the above and the cost of the underlying investments, stamp duty, dealing, and custodianship.
We also collect and pay adviser charging, which is always set at a higher level than our own fees. Hence my question.
So, there you go. The total costs of a provider.
sungsam said:
Phooey said:
JulianPH said:
Active portfolio management, risk assessed asset allocation mapping, underlying investment selection, unitisation, rebalancing, SIPP/Pension management (including tax reclaims, HMRC reporting and payroll tax calculations and deductions) and ISA plan management, together with 24/7 client and adviser online valuation/reporting feeds and fully online applications under our or your brand.
All for between 0.8% to 0.9% a year. This includes all of the above and the cost of the underlying investments, stamp duty, dealing, and custodianship.
We also collect and pay adviser charging, which is always set at a higher level than our own fees. Hence my question.
So, there you go. The total costs of a provider.
Sounds good!All for between 0.8% to 0.9% a year. This includes all of the above and the cost of the underlying investments, stamp duty, dealing, and custodianship.
We also collect and pay adviser charging, which is always set at a higher level than our own fees. Hence my question.
So, there you go. The total costs of a provider.
The 0.8-%. - 0.9% fee is the fully inclusive charge and includes everything else (Funds, Dealing, Stamp Duty, Custodianship, Unitisation, Asset Management, Investment Management, Rebalancing, SIPP/Pension, ISA Plan Management).
I hope that makes sense and am sorry we can't deal directly!
Edited for clarity!
Edited by JulianPH on Friday 25th May 20:39
JulianPH said:
I hope that makes sense and am sorry we can't deal directly!
The good news is that Joe Punter can hire a former double-glazing salesman or ex-squaddie to transfer his money for him - for just 1% of his hard earned cash. Every year. Like JulianPH, I have yet to find one who can justify it or explain the actual work done every year for that money. Perhaps I'm just envious; I'd love to be able to be able to invoice all my old clients 1% year on year for f
k all. But these guys can sell it and people suck it up. Now that's a skill!ETA But we seem to have strayed rather O/T. Perhaps the subject of IFA charges would be better served in a new thread.
Edited by Simpo Two on Friday 25th May 21:29
Simpo Two said:
JulianPH said:
I hope that makes sense and am sorry we can't deal directly!
The good news is that Joe Punter can hire a former double-glazing salesman or ex-squaddie to transfer his money for him - for just 1% of his hard earned cash. Every year. Like JulianPH, I have yet to find one who can justify it or explain the actual work done every year for that money. Perhaps I'm just envious; I'd love to be able to be able to invoice all my old clients 1% year on year for fk all. But these guys can sell it and people suck it up. Now that's a skill!ETA But we seem to have strayed rather O/T. Perhaps the subject of IFA charges would be better served in a new thread.
Edited by Simpo Two on Friday 25th May 21:29
BarryGibb said:
Simpo Two said:
JulianPH said:
I hope that makes sense and am sorry we can't deal directly!
The good news is that Joe Punter can hire a former double-glazing salesman or ex-squaddie to transfer his money for him - for just 1% of his hard earned cash. Every year. Like JulianPH, I have yet to find one who can justify it or explain the actual work done every year for that money. Perhaps I'm just envious; I'd love to be able to be able to invoice all my old clients 1% year on year for fk all. But these guys can sell it and people suck it up. Now that's a skill!ETA But we seem to have strayed rather O/T. Perhaps the subject of IFA charges would be better served in a new thread.
Edited by Simpo Two on Friday 25th May 21:29
Simpo Two - I agree we have gone way off topic here and as you have suggested it I will set up another thread on this matter as it is obviously of interest to people.
Gassing Station | Finance | Top of Page | What's New | My Stuff