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Thank you for a very comprehensive answer, fwiw I'm a happy AJB customer and have been impressed with the quality of service especially with the dealing team who very often manage to work orders well within the spread on very illiquid stocks. The general service you experienced is hopefully atypical but I'm glad to hear that HL are as good as you'd hoped.

Hello T Very interesting post Out of interest what drew you to HL rather than AJ Bell?

Shoe Zone (LON:SHOE) it went ex div for 14.8p yesterday, lots of small investors dip in for the divi and sell out after so price is just back where it was..no dramas!

Morning Graham http://www.investegate.co.uk/coats-group-plc--coa-/rns/2016-full-year-results/201702240700087389X/Coats (LON:COA) , would be nice ! Thx

Hi Gus Why would you buy an annuity at current rates, why not derisk and diversify your SIPP to a large number of strongly financed shares that pay a reasonable and growing dividend ? Not risk free but close enough given how wide the differential is against the poor annuity rates currently? Fwiw I went for exemption as it was likely to be best long…



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