Intelligent Money - your investment questions answered
Discussion
Hi Julian and Nik
I’m a long time lurker on this thread and have just completed ISA application forms on your site for my wife and myself for the current tax year. Will get some cash sent over shortly and hopefully in plenty of time to meet the tax year end deadlines. I’ve also used the PH code so hopefully missed out on the initial fee.
I’ve used HL for ISAs and SIPPs until now but they have made a decision that they WONT deal in certificated shares for the foreseeable future. Our ISAs have historically been funded by bed and breakfasting shares I hold in my previous employer so this has left me a bit of a problem. I guess certificated holdings will soon be a thing of the past? I assume I will have to sell in the market and use the cash to fund in future?
I’ve watched the performance of PHR with some jealousy and assume it’s really too late to put a full ISA allowance in at this stage? Im minded to do PHE and one of your other funds between the two ISAs and all being well also intend to use next years ISA allowance at the beginning rather than the end of the tax year.
Completely understand this is a non advisory offer but I’d welcome the chance to chat with Nik when he is available to sense check strategies. Hope this all makes sense!
I’m a long time lurker on this thread and have just completed ISA application forms on your site for my wife and myself for the current tax year. Will get some cash sent over shortly and hopefully in plenty of time to meet the tax year end deadlines. I’ve also used the PH code so hopefully missed out on the initial fee.
I’ve used HL for ISAs and SIPPs until now but they have made a decision that they WONT deal in certificated shares for the foreseeable future. Our ISAs have historically been funded by bed and breakfasting shares I hold in my previous employer so this has left me a bit of a problem. I guess certificated holdings will soon be a thing of the past? I assume I will have to sell in the market and use the cash to fund in future?
I’ve watched the performance of PHR with some jealousy and assume it’s really too late to put a full ISA allowance in at this stage? Im minded to do PHE and one of your other funds between the two ISAs and all being well also intend to use next years ISA allowance at the beginning rather than the end of the tax year.
Completely understand this is a non advisory offer but I’d welcome the chance to chat with Nik when he is available to sense check strategies. Hope this all makes sense!
Just wanted to check in and say. For all the ups and downs, bumpy roads etc. This venture with IM has been very interesting and a very good learning curve.
I’m wondering if IM have any kind of Income fund in the pipeline, my Dad currently has 50k sat in a Pru Income Fund that he earns 5% off. I’ve wanted to get him to move across to IM for over a year now.
I was hoping at one of the motorsports events last year I could have had some support from Julian to persuade him even more haha
I’m wondering if IM have any kind of Income fund in the pipeline, my Dad currently has 50k sat in a Pru Income Fund that he earns 5% off. I’ve wanted to get him to move across to IM for over a year now.
I was hoping at one of the motorsports events last year I could have had some support from Julian to persuade him even more haha
Trfcok said:
Hi Julian and Nik
I’m a long time lurker on this thread and have just completed ISA application forms on your site for my wife and myself for the current tax year. Will get some cash sent over shortly and hopefully in plenty of time to meet the tax year end deadlines. I’ve also used the PH code so hopefully missed out on the initial fee.
I’ve used HL for ISAs and SIPPs until now but they have made a decision that they WONT deal in certificated shares for the foreseeable future. Our ISAs have historically been funded by bed and breakfasting shares I hold in my previous employer so this has left me a bit of a problem. I guess certificated holdings will soon be a thing of the past? I assume I will have to sell in the market and use the cash to fund in future?
I’ve watched the performance of PHR with some jealousy and assume it’s really too late to put a full ISA allowance in at this stage? Im minded to do PHE and one of your other funds between the two ISAs and all being well also intend to use next years ISA allowance at the beginning rather than the end of the tax year.
Completely understand this is a non advisory offer but I’d welcome the chance to chat with Nik when he is available to sense check strategies. Hope this all makes sense!
Hi TrfcokI’m a long time lurker on this thread and have just completed ISA application forms on your site for my wife and myself for the current tax year. Will get some cash sent over shortly and hopefully in plenty of time to meet the tax year end deadlines. I’ve also used the PH code so hopefully missed out on the initial fee.
I’ve used HL for ISAs and SIPPs until now but they have made a decision that they WONT deal in certificated shares for the foreseeable future. Our ISAs have historically been funded by bed and breakfasting shares I hold in my previous employer so this has left me a bit of a problem. I guess certificated holdings will soon be a thing of the past? I assume I will have to sell in the market and use the cash to fund in future?
I’ve watched the performance of PHR with some jealousy and assume it’s really too late to put a full ISA allowance in at this stage? Im minded to do PHE and one of your other funds between the two ISAs and all being well also intend to use next years ISA allowance at the beginning rather than the end of the tax year.
Completely understand this is a non advisory offer but I’d welcome the chance to chat with Nik when he is available to sense check strategies. Hope this all makes sense!
A very warm welcome as a Private Client.
Yes, the PH code removes the initial charge and the minimum investment level.
Certificated share holdings are drawing very clost to the use of fax machines and are very costly now, this is the same for everyone, not just HL It is all selling in the market, just one is a lot of paperwork and the other is digital.
There is still more rome to go with PHR (sorry you missed out on what has already happened) and PHE is currently at a discount that I, personally, consider to be short term.
I always say that it is best to have a spread between different investment approaches. You can get Nik at nik.burrows@intelligentmoney.com and please feel free to send me a PM so we can have a chat.
Cheers
Julian
I've been following for a while and just bit the bullet and opened PH Equity and PH Recovery funds like 30 minutes ago. I wasn't aware of the PH Code until 10 minutes ago. Hopefully this poor timing at the very beginning of my investment journey isn't an indication of things to come.
I'm "The Lady" with the GT3 from a few pages back.
I'm "The Lady" with the GT3 from a few pages back.
paralla said:
I've been following for a while and just bit the bullet and opened PH Equity and PH Recovery funds like 30 minutes ago. I wasn't aware of the PH Code until 10 minutes ago. Hopefully this poor timing at the very beginning of my investment journey isn't an indication of things to come.
I'm "The Lady" with the GT3 from a few pages back.
Send Coops and email (steve.cooper@intelligentmoney.com) and he will have it added for you.I'm "The Lady" with the GT3 from a few pages back.
Welcome to Private Clients and just let us know if there is anything we can do for you.
Cheers
Julian
Burwood said:
JPH/Nik, Can you please remind me what the timing of buy/sell trades is. If you have the instruction (switch) before 9am, do you sell/buy at the open or do you wait and pool that days trades? Or do you assign the close from the day prior? TIA
Hi mateI am going to get Alex do give me a full list and will post this on Monday.
Cheers
Phooey said:
Hi mate, what price did we get?
Hi mate- Delta was sold at £33.65, so approximately. $46.74 which is 73% up of the base price of $27.01
- Norwegian was sold at £23.26, so approximately $32.30 which is 111.5% up on base price of $15.27
Not a bad 8 months there! Everyone will get an email early next week as the cash comes through. Both have fallen quite hard today (Delta c. 4% and Norwegian c. 12%). I am sure they will recover, but we got out before this and our work here is done!
Have a great weekend!
Cheers
Julian
This has probably been asked before (and quite possibly by me 
) but are the target prices for PHR known to us all or is that top secret/NTK info?
I use the extremely helpful Google Sheets tracker to keep an eye on where the PHR holdings are, and where they are compared to my (late) buy price. There are a couple which (selfishly!) I wouldn't want sold any time soon!
) but are the target prices for PHR known to us all or is that top secret/NTK info?I use the extremely helpful Google Sheets tracker to keep an eye on where the PHR holdings are, and where they are compared to my (late) buy price. There are a couple which (selfishly!) I wouldn't want sold any time soon!
Gassing Station | Finance | Top of Page | What's New | My Stuff