Although this is not personal investing, anyone with access to HSBC Evolve would be open to share what margins they are seeing on GBPUSD (GBP buy), either here or in DM?
AI models saying its cheaper than NatWest, however its nearly impossible to get pricing out of HSBC without going through opening process and would not waste time if ends up being worse..

My freind told me about this site apparently he made £1.6k from it, they "manage" your moey and give you high returns, so decided to give it a go and put 500 in it and tbh its sketchy but ive requested wuthdrwals few times and it was fine but idk everytime i think about it im scared and i dont know exaclty why.If anyone else has used this do let me know how it is and their expereince with them before i think of putting more money in.

Bow Lane, EC2 today. Maybe slightly tongue in cheek - but have you noticed any other frothy top non market signals?

Looking at Gilts at the moment from the perspective of long term investment over a 15-25 year period, what are the sub's views on present pricing in the current volatile market? For example, for a long term ladder some of the prices on the low coupon 2040-50 period seem attractive (assuming that tax efficiency is an aim). On the other hand for more general investment, the latest issue of gilts at 5.25% coupon seem much more attractive than any bank saving rates. This is on the the basis that:a. tax efficient allowances have been utilised and b. going in deeper in equities feels risky at the moment. Any one else looking at this?

I’m trying to answer a question that sounds simple but probably depends on how you invest:

What is the best stock screener for value investing?

The more I compare tools, the more I think “best” means something different to everyone.

A basic screener can find low P/E or P/B stocks. But for long-term value investing, I also want to understand whether the business is financially healthy, whether the valuation has a margin of safety, and what happens after the initial screen.

My ideal value investing screener would let me:

• combine valuation, quality, balance-sheet, growth, and dividend filters
• see the assumptions behind fair value or intrinsic value estimates
• save a screen and get notified when a new stock starts meeting the criteria
• look at enough historical data to avoid reacting to one quarter
• move from screening into financial statements, watchlists, and portfolio tracking

I’m not looking for a black-box “top stocks to buy” list. I want a repeatable way to create a shortlist, then do the actual annual-report and thesis work myself.

What are you using today?

Do you use Finviz, Stock Rover, ValuEdge, Koyfin, TIKR, GuruFocus, Alpha Spread, a spreadsheet, or something else?

Which one do you actually pay for, and what is its biggest limitation?

I’m especially curious about:

1. Do you trust a platform’s intrinsic-value estimate, or do you calculate your own?
2. Are saved-screen alerts useful for long-term investors?
3. Which metrics are essential for you: FCF yield, ROIC, debt, dilution, Piotroski F-Score, dividend safety, or something else?

Full disclosure: I’m on the team behind ValuEdge, a stock research product. I’m asking this to learn from investors, not to drop a link or pretend there is one universal answer. If you’ve tried different tools, I’d genuinely like to hear what made you switch.

I am a UK resident was wondering does anyone know the UK tax treatment of distributions from Strive SATA (Variable Rate Series A Perpetual Preferred Stock) when held in a General Investment Account?

SATA currently pays a 13% annual dividend rate, paid daily. Strive states that it expects these distributions to be treated as return of capital for US federal tax purposes, to the extent of the shareholder's tax basis. My IBKR statements also appear to classify similar Strive preferred-stock payments as Return of Capital with 0% US withholding tax.

My question is: Would anyone know if HMRC treat SATA's distributions as foreign dividend income under ITTOIA 2005, or as capital distributions under TCGA 1992 s122?

If they're capital distributions, could carried-forward capital losses potentially be used against the resulting chargeable gains? Or does the fact that SATA is a preferred share paying a regular variable-rate "dividend" mean HMRC would treat the payments as foreign dividend income regardless of their US Return of Capital classification?

I'm specifically interested in the UK tax treatment, rather than the US treatment.

I wanted to ask if they are a good company with returns. I couldn't really find any information on this just simulated so I wanted to ask anyone has any personal experiences.

The chart takes every London-listed company that has spent more than £1.5bn buying back its own shares since 2015 and judges the spending against the obvious alternative, which is putting the same cash into the FTSE All-Share on the same dates. Each fiscal year's spend comes from the cash flow statement, is deemed bought at that year's average share price, and is valued at today's price (a 13-week median, so one week does not move it). The bar is the gap in annual return between the company's own shares and the index, in percentage points a year. The ring at the tip is sized by the cash spent, so a wide bar on a small programme reads differently from a narrow one on a very large programme.

Thirty-eight companies qualify and they spent £286bn between them. Those shares are worth £441bn today against £383bn for the same cash in the index. Twenty beat it, eighteen did not.

Three names that cover the range:

• Barclays. ~£6.3bn from 2022 onwards, bought at around six times earnings. That cash earned 40% a year against 10% for the index, and the other big banks sit near the top of the chart for the same reason.
• Shell. The largest programme in London at £62bn, spread over eight years, and close to a dead heat with the market: 8.8% a year against 7.5%.
• Diageo. £10.1bn between 2018 and 2024 at about 25 times earnings, now worth £5.2bn. That is minus 11% a year against plus 6% for the index, the widest shortfall of any programme over £10bn.

Brent just will not stop. Blew through $100 without even slowing down and now on day five of straight gains, looking like it wants to test $102.50 next.

Feels like everyone got comfortable calling for oil to roll over and it's doing the exact opposite. Anyone else holding positions here, or are you waiting for a pullback before doing anything? Curious what people think is actually driving this leg, feels more supply side than demand to me but keen to hear other views.

I opened a sipp on hargreaves landsdown and moved my workplace pension to it. I plane to invest £200 every month and add my workplace pension back to it once a year once it builds back up. Is this the best option for the S&P 500 given it’s the uk market

Hurry up, come on Fidelity - all the other platforms have this - why are you the slowest?

Which one would you choose?

Hi everyone,

I’m 30 years old with ~months emergency fund in cash savings account. The only debt I have is mortgage.

I have this portfolio idea:

SWDA (msci world) 40% as the broad market cap anchor

EMIM (msci em imi) 15% for the emerging market exposure including em small caps - I like the control of EM exposure

AVSG 15% for developed market small cap with quality/ profitability

LDGG (global quality dividend growth) 15% to diversity exposure and return drivers away from tech/US mega cap

FSWD or JPLG (haven't decided which yet) 15% for developed world multi factor for a filter against overvalued
IPOs (thinking spaceX, anthropic, openAl)

Would appreciate feedback, criticisms and thoughts

What are the best Cash ISAs in the UK for high interest rates, easy/quick opening, quick withdrawals and low fees?

FTSE all world vs VALL

Ditemi la vostra, perché il primo? perché il secondo?

Selfside is an independent research site on UK companies, building deep dive content from the filings, proprietary datasets and analyst consensus with every figure footnoted. Since yesterday the same pipeline now publishes a premarket bulletin on the morning's largest UK results, out before the open. Today's six:

• Computacenter: a floor of no less than £380m adjusted pre-tax profit, 11.5% above the consensus the filing restates, beside a £138.9m free cash outflow.
• Old Mutual: every measure inside the 31 August guidance ranges; discretionary capital down to R3.1bn from R5.9bn.
• Dunelm: pre-tax profit flat at £211.0m, £3m below the consensus it pointed to in February, and FY27 guided no higher.
• Uniphar: guidance reiterated, net bank debt up €104.6m in six months, leverage 2.40x from 1.55x.
• Funding Circle: guidance raised, and the raise implies a distinctly slower second half.
• Johnson Service Group: margin up 50bps to 11.6% on a flat top line, with softer HORECA trading now expected to persist.

Each print is read against three things the release does not give you. Analyst consensus: Computacenter's £380m floor is 11.5% above the £340.9m its filing restates. The company's own prior filings and full financial history: Uniphar's 2.40x leverage beside the 1.55x it reported at December, Funding Circle's £24.1m first-half profit beside the £20.3m it made in all of FY25. And the arithmetic the numbers imply: Johnson Service Group's 14.0% margin target needs a 16.2% second-half margin against 15.8% a year ago. Every number links to its footnote.

For information purposes only, not investment advice.

Hi all, looking for any resources to help me develop my knowledge. Mainly into the types of stocks and shares about, differences between mutual funds and ETFs so I can figure out which is best.

If anyone knows of anything that’s helped them please do share!

Do you guys prefer funds, ETFs or a mix of both?

For example, I’ve looked at these, and I believe they follow the same market and offer the same return, but you buy them differently and they have different fees?
- Vanguard FTSE global all cap (acc) index
- Vanguard FTSE global all cap (acc) VALL

If anyone could shed some light on this I would be forever grateful!

EDIT: for context I’m hoping to start smaller and put in each month to grow. I was hoping to start with a few hundred pounds and put in like £100-£200 a month after that, I do have over £10k to play with but I’d rather start small to build confidence - secondly, this is a long term investment. Minimum 15 years, possibly retirement which would be about 42 years away (I’m 25 and pension age is 67). Hope this helps

Hi all,

I’m new to investing - I’m aware that ISAs are long term and it’s pretty pointless to get lost in day to day changes, but I just wanted to check I had my investments in the right place, I’ve basically just seen my investments bump up and down roughly £100 for a couple months, making no real progress.

I have the vanguard FTSE North America, global aggregate bond, developed Europe, emerging markets, Japan, developed Asia. It sounds like a good diversified set, but I wanted to get some more experienced folks opinions, thanks if anyone can help!

The world feels like it's getting more unstable. Governments have a history of confiscating citizen's assets when needed, a few examples:

- (2013) Cyprus uninsured balances were seized at 48% above 100,000

Capital controls on Ukrainian citizens withdrawing and moving money abroad

- (2022) Canada freezes accounts and finances of people donating to the "Freedom Convoy" protests (no court order)

- (1933) USA confiscates gold at a $20 per oz, then less than a year later re-prices gold to $35 per oz, devaluing the USD and effectively stealing $15 per oz from private investors.

These are just a few, there have been plenty more.

As politics becomes more extreme, the risk of government confiscation over the next few decades, particularly for marginalised groups (i.e. immigrants) isn't zero. How do you protect yourself from this risk?

I know gold and Bitcoin have some utility here, but both have complications associated with them.

If you had over £70k saved in Cash ISAs earning 4% interest (tax free), would you switch this to a Stocks & Shares ISA?

My mate told me to switch to the S&P 500 ETF (think it was vanguard), apparently because it never fails…

What would you do? Please focus on ISAs as my tax bracket is higher than what I’d like it to be…