Stockbroker Reviews
Does anyone here know of a discussion board where people discuss and review their stockbrokers ? With sufficient critical mass, in terms of enough contributors so we get a good overview.
I use 3 brokers and shall review them here, in order of my preference.
1 Halifax (~15 years)
+ Good logical layout, which they rarely change. Logical layout for statements.
+ No major fee increases. Unfortunate increase to forex spread, offset by ISA fee decrease.
+ Can sell one stock and the platform IMMEDIATELY updates the available balance allows me to reinvest the proceeds in another stock.
Easily the best of my brokers.
UPDATE: 24-02-2017 Halifax and their iWEB subsidiary deserve a "Broker Stupidity Award", for after 18 years of good sense, they finally screwed up the portfolio statement format so that it cannot easily be downloaded to an Excel file. What were they thinking of ? Statement formats should have one stock per line in all statements. They separated it onto 2 lines, so it is completely illogical and cannot easily be moved to a spreadsheet.
2 TD Direct
+ Good range of intenational stocks
+ Reasonably logical layout
- Forex loading has been increased, which discourages me from making overseas trades.
- Some unnecessary fiddling around with the board layout
3 A J Bell (Youinvest)
This one was good, but is deteriorating.
- Unnecessary changes to layout, of both the website & statements. [For example, as we all know, every bank and stockbroker cash statement should have the date first, followed by the item, cash in, cash out and a balance. AJ Bell re-ordered these at random, so we cannot cut & paste onto the bottom of our spreadsheets.]
- Sometimes cannot logon
- Increased annual SIPP fees from £0 to £100 (after luring me in with a good deal).
- There is a delay of a few minutes between selling stock and being able to purchase something else with the money. Halifax manage it instantly, which is very good when I want to get back to my day job.
I haven't noticed much difference in the ability of the brokers to make trades or competitive pricing.
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55 comments
I was with XO and iWeb but moved from XO to IG and then moved all my ISA's to iWeb. I can't quite remember why I left XO, I think they screwed up some trades but also the interface was very basic, it also may have been that I wanted to try IG out. I'm happy with iWeb, I also have a SIPP with them as well as one with Youinvest. I think the custmer service is better with iWeb than XO or Youinvest, iWeb have onlone chat which I've used a number of times and been happy with the response.
thanks very much for the input - agreed it looks better. for better customer service and assurance on professionalism - sounds like you get what you pay for
looking for a new ISA provider - have narrowed it down to iWeb and X-O
both look like they will do the job, main interests are costs (both trade and spreads) and execution. Only issue with iWeb is the £25 account opening, its a minor point in the greater scheme of things - more a point of why pay when other providers do not charge.
would welcome any experiences or views on both - thanks in advance
mrosbiston, I started an ISA with iWeb around 4 years ago. At that time there was no account opening charge. I remember around two years ago they introduced a £200 account opening charge!! Agree that the present £25 charge is a nuisance, but the low dealing charges should balance that out. I've never had any problems with them.
If you consider total running costs over a 5 year time scale, a £25 opening fee is nothing. So if IWeb is still competitive in all other respects, don't let that put you off.
It's nasty recurring fees that cost money, not a modest one off charge.
For UK stocks, I believe IWeb are still competitive. They also deserve praise for not messing around with their website every few months.
If you plan to buy overseas stocks, then the forex charges need to be compared for all brokers. I believe IWeb were charging 1.5%, which stopped me buying any more overseas stocks through them.
For my ISA, I use iWeb sharedealing. They have a website that is fairly straightforward and they offer low dealing fees. The disadvantage is that their FX fees are beyond the pale. They are to Halifax what Skoda is to Volkswagen, seem to be built on the same base, but but does not look as pretty.
Is anyone an active customer of Interactive Brokers? To me, it appears they offer a good non-sheltered account with low dealing fees and low FX fees, although they will charge a fee for accounts under 100k USD and not accept accounts at all under 8k (or is it 10k?). I have considered using them for my non-ISA investments, but would appreciate others views on them.
As an active investor I have found the Share Centre first class in every department over a number of years.
Basic shares/fund platform comparator website attached below. Seems reasonably accurate (based on the information given here on the two platforms that I use) and configurable according to your specific needs for funds, shares, tax wrapper structures etc.. and size of portfolio/expected frequency of dealing.
Gus.
http://www.comparefundplatforms.com/compare.aspx
I went through the list of all brokers a while ago and Interactive Investor (III) stood out for me. Telephone dealing if you want it and a good online platform. They are set to be the second largest in the UK following the takeover of TD Direct in June. I like the flat fees and clear charging structure. By contrast AJ Bell and Hargreaves Lansdown have always seemed to have a complex charging structure. So on a ratio of good value to quality of service I found III good. But I haven't really used alternative platforms.
I am using AJB for my ISA and HL for my SIPP.
In terms of AJB online service is pretty good, phone dealing and administration is middling (can be take a while to get to the right person or for them to action requests). Price execution is average (always just off mid point).
From my experience HL are a step up in terms of platform, service and price execution. Although they are a little pricier on charges.
For 2 recent trades I rang up both AJB and HL dealing desks to check on which would offer best price / work the order inside the quoted spread. On the first trade (a FTSE 250 stock) HL were quicker off the mark than AJB and on the second trade (an illiquid AIM small cap stock) HL were able to offer me a keener bid. The difference in price covered the higher dealing charge at HL.
So seriously thinking of moving my ISA across to HL. My only reservation is having both accounts with one broker.
Can anyone comment on their experience with alternative brokers ?
I am particularly interested in which platforms offer best execution price, even if that means using a telephone broker. Know Paul Scott has recommended this approach.
My trading profile is somewhat sporadic, in the last twelve months I have trades 32 times on my ISA and 6 times with my SIPP. I hold a concentrated set of stocks (currently 12) across both portfolios. I tend to trade mainly UK small and medium cap shares with a couple of European or US stock mixed in (80/20 split).
So trying to gauge cost benefit in terms of dealing costs and execution prices.
I have ISA, SIPP and dealing accounts with AJ Bell and have been very impressed with them. Their website is easy to use, I have found them to be administratively efficient and they have a very good mobile app too.
One faature I particularly value is the ability to link accounts, so that I can manage my own, my wife's, my mother's and my mother-in-law's portfolios all from my login.
Hi,
I am newbie.
Interesting learning points in the thread.
I would like to know the opinion of experienced investors about brokers, providing / not providing "trailing stop loss" facility on their online account.
I just started wit AJB and they do not provide the facility.
Do you think this is a useful facility for investors to have. Should I move to another broker? I am otherwise happy with AJB.
If you really want a stop loss feature, move to another broker.
If you run a stocks & shares ISA, if you haven't used any of this years ISA allowance yet, it's very easy to start a second ISA account. A non-sheltered account is even easier. I have 3 non-sheltered trading accounts, 2 ISA accounts (one of which has not had funds added for about 8 years) & a SIPP. Admittedly this is about 2 accounts more than optimum, but there historical reasons for this & there's nothing to be gained from a rationalization.
Hopefully the first overseas broker account will be open within the next month.
Any discussion about the merits of stop losses as a strategy is a different topic and belongs in it's own thread. You will get a much better response by starting a new thread if you intend to discuss this, just because of the thread title.
How about Interactive Brokers?
Worldwide coverage of exchanges, fair pricing (US stocks min. fee 0,35 USD, max. 0,5% trade volume, EU stocks min. 1,25 EUR), stellar reporting features (standardized/ customizable), nice ordering soft for free (TWS)...
I use TD Direct since they took over NatWest Stockbrokers. I like the platform and have no real issues with them.
They offer a good range of research tools. A fundamental stock selector in which you can filter easily with value/growth/momentum sections. They also offer free charting analysis tools with recommendations (which of course are described as not being advice or recommendations) showing various breakouts and chart patterns.
Useful stock reports on individual shares. I think it is effectively a free subscription to Morning Star tools for fundamentals and Recognia for technical analysis.
For active traders there is an advance trading package, £10 per month or free if you make more than 10 trades a month.
Overall they have the best range of free tools of any broker I have tried.
Does anyone have any experience of TD since the takeover by Interactive? If they can combine the best from both old services should be a good platform.
I use TD also. No complaints here. Though I have not used any other broker to compare, I do use the net for a lot and their website& mobile app is easy to navigate. As to your question there has been no change at all yet. TD stated it would be quite some time before anything would change. I would be happy with Interactives pricing so for me I just hope the transition is smooth and their website & dealing is as slick.
Perhaps someone from Interactive Investor could comment on how good they feel there service is?
I am a happy customer of AJB
Hi Rhomboid
Before I chose H-L I went through a process of reducing all the alternatives down to a shortlist and then gradually whittling it down further. The last 2 in the frame were H-L and AJB. On paper there was little to separate them in terms of cost or service offering and both websites looked OK.
What was very different was my experience of the service provided by phone and the quality of the people at the other end and the speed of response.
Whenever I called AJB I was connected to a receptionist/operator who asked me to explain what I wanted and then tried to connect me to the right person. Generally the right person was not available so I waited or left a message. When the right person was available I had to explain all over again. And then often it turned out they were not the right person after all and the process continued. Often the person I spoke to seemed not to grasp my question, or understand why I was asking it. More often than not I lost the will to live and gave up. Remember I was simply calling to get clarification on points of detail - I wasn't actually a customer.
When I called H-L the phone was answered by people who were super helpful, super well informed and impressively bright and well trained. They almost always answered my questions right away and I often went on to have conversations in which I could explore the issue and talk around it. On the very rare occasions they had to refer me to someone else it was a positive experience.
I concluded that H-L had really geared up its staffing - in terms of numbers/training/quality - with the objective of crushing customer service. And they have succeeded. AJB - as far as my experience goes - were not in the same league.
Hope I'm not being unfair to AJB - just telling it how I experienced it.
I do all my banking with First Direct these days and its a similar story there. FD just gets it right. The other banks I have experienced are not even close.
HTH
T
PS it is possible that there were some substantive issues about doing the transfers in specie - H-L were cool about this but some other candidates were unhelpful and/or ludicrously expensive. Don't remember exactly where AJB stood on that.
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.
I have no plans to move my SIPP from AJ Bell, but they have also been guilty of needless & irrational fiddling around with their website.
All bank & share dealing history statements have a logical standard layout, with firstly the date, description, then money in, money out & balance at the end. Possibly a couple of additional columns on share dealing sites.
The AJ Bell people changed all that around to something unique & illogical.
I complained to one of their minions & got fobbed off.
I then e-mailed several directors & they partially fixed the issue.
So when there is a significant obvious error of judgement, don't just accept it, but complain to the directors. Admittedly you might get more joy contacting a business run by the founder, than some offshoot of a megabank where no one has skin in the game.
Since my previous post above in Feb 2016 I have moved all our investments over to Hargreaves Lansdown - 2 ISA's and 2 SIPP's. All transferred in specie. And I've moved my SIPP into drawdown. H-L has performed with extreme efficiency/speed and has been outstandingly helpful. Service has never been less than excellent. I am very pleased indeed - and I speak as someone who is not always easy to please and who tends to have high expectations.
In the period since Feb I have undertaken much more dealing than is normal for me. I went 100% into cash before the referendum and have subsequently re-invested 70%. All of the trades involved were performed on-line using H-L's website which I find very solid, very easy to use and very rich in functionality and information.
It's not perfect. For example it miscalculates the discounts/premiums for Investment Trusts - a bug I've reported for corrective action. But it is more than good enough for me.
Last week I installed H-L's app on my phone. So far it seems to be very well designed and really effective for keeping on top of things whilst on the move. I've not yet done any deals using the phone app so can't comment on that bit but it looks well thought through and straight forward.
I'm inclined to score H-L 90-95 out of 100.
T
Hello T
Very interesting post
Out of interest what drew you to HL rather than AJ Bell?
I use iWeb for my ISA - its £5 a trade and the execution is good. They updated their website this weekend to a new verison which i have yet to explore fully but it looks good so far. No mobile App.
HL for a SIPP - already been commented on here £11.95 a trade unless you trade a lot in which case it comes down. Good mobile app.
YouInvest for a JISA - £9.95 a trade, I like the Mobile App.
III for another JISA - £10 a trade. Decent Mobile App. Only just started using it but seems ok.
I have been happy enough with Halifax. They allow DRIP for reinvesting dividends, the sale proceeds are available immediately to reinvest and once a month, they have a discounted price for buy/sell transactions at £3.95 per trade, which is for 2 hours for newer investors, and 6 hours for more active investors (and the full day for international trades). They have also changed the website layout recently that makes it more user friendly for mobile users, although I am struggling with the new website layout on laptop/desktop!
Niggles are that to date, they have not allowed funds to be moved between stockholding accounts (e.g. ISA and non-ISA) and instead you have had to send the money via your bank account which takes a few days to process. Also, last time I checked, their web chat did not work on IOS devices.
i have opened a Degiro account and used them a few times. They are very cheap, but I'm not sure if their executions are good. My main issues with them are:
1. I do not like the login method - a simple username/password combination. A system where you only enter random characters from your password is probably more secure.
2. You cannot transfer money by debit card. It has to be by bank transfer and seems to take several days.
3. They do not confirm your trades by email.
4. Execution of trades seems to be slow and poor.
To just expand on point 4 about trade execution. Other online brokers I use will give you a quote for a share showing the bid/offer prices. If you then proceed to make a trade they come back with a screen showing you the price you can get - often inside the quoted spread, and then give you a few seconds to press the "deal" button if you wish to go ahead. if you accept they then confirm your trade immediately. Degiro do not. With Degiro they will give you a quote, but there is no "deal now" page, you have to send your order to their dealers, and then several minutes later they execute the trade. The price is not guaranteed, although you can of course send a limit order to their dealers. You have to wait online for several minutes before you know if your trade has been executed and at what price.
The two times that I have actually traded with Degiro, on each occasion my order was dealt at the quoted price, i.e. at the outside of the spread. Immediately after finding out what price my trade had been dealt at I went to another broker and made a dummy trade for the same shares. They were able to offer me a price inside the spread. So while Degiro are cheap on commissions, perhaps you lose out by not getting the keenest price.
Overall I will probably continue to use Degiro but only for dealing in the shares of large companies with tight spreads,
Degiro dealings are really cheap. UK @ £1.75 + 0.004%, US is 0.5 euros + 0.004%.. I got this information from our last investment club meeting but have not tried them yet..Only had a first look tonight. I currently use Hargreaves which is a bit expensive for US, so may be worth a go.
Another thumbs down for HSBC here too. Clunky website and you can only have an order on for a day then it expires and if you wish to cancel it on the day you cannot do it online but have to phone them. Plus the morning after brexit their site was overwhelmed - as I am sure were some others but despite spending £200 a quarter on transaction fees (£10.95 a time) they wouldn't refund the £10 quarterly account fee. Have an share dealing account with IG and as I also have a spread betting account with them its just £5 a trade and it includes basic level 2 also. Very simple and fast to use. Will be opening my new isa with them
Still makes me smile to myself
My old broker, as a First Direct customer was HSBC (I'm sure everyone knows what the intials stand for) - who refuse to deal in securities listed on the Hong Kong exchange !!!!
This the bank who advertise their local banking on a global basis etc etc
Seems the PR arm has no clue what the operational arm is doing - hence my ex Broker
Killik often gets better prices than Hargreaves especially for obscure securities and, for some reason, Lloyds' prefs (LLPC/D) and Natwest prefs (NWBD)
I once had a very large position in an Aim listed tiddler which I thought was going bust and found it really difficult to sell at any price. After several days of struggling Killiks did manage to offload the holding albeit at a low price. Other brokers were not able to do anything at all with that stock.
Killik's price advantage was one of the main reasons I carried on using them. But to be honest when I compared the overall costs and benefits last year it was clear that the price difference was less than the diffierence in charges. ie they got better prices but their charges more than swallowed up the benefit.
I moved to HL. In fact I'm still in the process of moving.
This move has coincided with my resolving to
a) avoid illiquid stocks
b) avoid taking very large positions in individual stocks
And that in itself takes away much of the motivation to seek the advantages offered by K.
I'd be interested in any views as to the differences in prices and bid offer spreads between brokers. I bought Antofagasta and Rio Tinto on the recent dips and then sold yesterday and the sale prices achieved via my Barclays ISA account were lower than those showing just a few moments earlier on my stockopedia folio, and yesterday was not especially volatile, at least by recent standards.
In general I've no complaints with Barclays (I don't trade enough to worry about mobile and limit myself to the LSE main market), but for obvious reasons I'd like to know if I'm being slightly disadvantaged on price each time I trade. I've always assumed there wouldn't be much difference if any from broker to broker but perhaps I shouldn't have.
It's possible to get a difference: for live Retail Service Providers live quotes, it depends on how many market makers the broker is connected to and perhaps how they process orders. You should always get a price within the LSE spread though, so should not be material for liquid things like Rio.
Stocko prices are 15 minutes delayed so it could be normal volatility in your case.
The RIO price increased to £33.94, sank to below £32.60 and then moved back to £33.15 today and the price didn't really hit a stable point at any stage during the day, so it's probably more that than unusual spreads.
I've been with LLoyds for a while and i'm pretty happy. They've recently reduced the dealing charges to standard £12 then down to £8 after 10 trades a quarter i think. Customer service is pretty good and they have a good research facility. Only criticism is the portfolio tracking isn't great but then i dont think thats unique to thmem.
cig
There are many very large companies making a living by providing Custodian services - so they must have clients.
I do not pretend to know the whole sector - just the firms I use.
Killik say "Platform Securities has agreed to provide settlement, custody, nominee and associated services for our clients, as a result of which you will also have entered into a contract with Platform Securities. Platform Securities is a subsidiary of FIS Global and is authorised and regulated by the Financial Conduct Authority. "
Hargreaves Lansdown say "Stock you hold with us is held in the name of or to the order of Hargreaves Lansdown Nominees Limited, or by an approved third party custodian."
TD Direct say "investments either purchased by us on your behalf ortransferred to us will be held in the name of our Nominee or another custodian on trust for you as beneficial owner"
AIUI whether the custodian firm is an independent third party or not, the protection should be more or less the same - namely that your and my assets are held in trust with benenficial ownership clearly segregated from the broker's own assets. If the broker goes bust they cannot call on your assets.
T
Custodian clients are mainly funds and other collectives (where the aim is to protect clients from rogue fund managers), which is plenty to keep them busy.
In HL and TD cases I expect the third party custodians they refer to to be for oddball cases like foreign stocks and mainline UK stocks to be in their own nominee cos.
Agreed that it's almost as safe, the fraud scenarios where a third party nominee would help is probably very tiny. In non-fraud cases it is 100% as safe.
Thanks Tournesol
The problem of compensation limits tends to be over-stated IMHO
Brokers execute trades but do not act as custodians (ie they do not hold your investments) instead they use third party specialist custodians who are as bomb proof as it is possible to be and who are have astronomical insurance cover. These custodians act as nominee shareholders. The holdings are segregated from the broker's own assets and from other investors.
If your broker goes bust then your nominee holdings should still be safe in the hands of the cutodian/nominee. Obviously deals which are in progress at the time the broker goes down might be still in the purview of the broker and so might cash balances - but the rest of it - the shareholdings acquired previously - should be pretty safe. And they are not going to get caught up in the broker's own assets because they are segregated.
So not, IMHO, such a worry as you might think.
Maybe I'm wrong but my understanding is that the main large brokers do not use third party custodians, that is the nominee company is just a paper construct (a shell company with no staff) with all the actual record keeping being done by broker staff. Still, that's enough to protect clients from (non-fraudulent) broker bankruptcy.
Third party custody is more a thing for funds.
Anyone got opinions on using just one broker when there is limited compensation if they go bust?
J
That's one of the reasons why I have 3 different brokers.
I know the funds are supposed to be segregated etc, but if the broker is in the process of failing, what stops them breaking the rules to look after their own interests first ?
Hargreaves Lansdown
The Waitrose of brokers.
Online and telephone. Excellent service. Well educated/trained staff who are always on the ball. Dealing charges modest - not the cheapest but very reasonable. Web site pretty damn good. Trading efficient.
Charges for funds look rather expensive to me - though I do not incur them.
Overall a safe pair of hands with excellent service at a very reasonable price.
T
Killik
The Fortnum & Mason of brokers.
Full service traditional broker. Interaction by telephone - no website dealing. Personal relationship with named individual. Gold plated service. Excellent pricing of securities being traded.
Eye wateringly expensive charges.
T
@Jonesjeff,
The only offshore account I have is a fall back to Asia days - Boom Securities HK the successor to a local Honkie broker I used to use for a bit of fun punting on the hang Seng back in the day. Given the time zone differences if you;re looking to trade US stocks would look ot US broker - but if it Asia stocks,not really up to speed anymore tbh.
@BB9210
Re TD Ameritrade - that's a standard US broking account I presume? Easy to set up?
am thinking of setting up a US Bank account/US broker at some point. Was wondering what the best options were.
Easy to engage in Covered Calls with TD Ameritrade?
I have the TD Ameritrade a long time. It was originally with Datex which was taken over by TD Ameritrade. At the time it was easy to set up the Datex account.
I have never dealt with Covered Calls so I cannot answer that question.
I would echo Peterg re Barclays. One other negative is that they do not have an app, and appear to show no inclination to develop one.
I would thoroughly recommend Charles Schwab, not just for US stocks, but also for ADRs - a wonderful invention!
Barclays works for me - mainly as I don't have to have to keep money in my stockbroking account - they take it by dd from my bank account a few days later - or option to put it back in if selling. They update immediately. If selling one and buying another there is nothing worse than being a few quid short as I do like round numbers of shares or having to work out how much a trade will be and then transfer money before the trade.
I think ive mentioned looking at this before:
http://monevator.com/compare-uk-cheapest-online-brokers
I use TD direct at moment, they have a mobile app, seems good, app is fairly basic but allows you to trade easily enough. Layouts take a little to get used to but seem to have everything i need s obviously use this site for research!
I use TD as well - for both UK and US stocks but I gather TD is looking to sell their stockbroking arm, possibly to Barclays
http://citywire.co.uk/wealth-manager/news/barclays-linked-with-td-direct-bid-in-hargreaves-challenge/a877269
Barclays apparently make it very difficult to trade in non UK stocks,and apparently you can't hold them in ISA's through them either.
Am also a past client of Barclays and have no wish to go back to them either.
Yes the main problem with Barclays is that they completely separate off international stocks into a different type of account, which means you can't hold them in an ISA. They've always been a pain about non UK stocks, and while their charges are generally in line with most other UK EO brokers (i.e. shocking for currency conversion) the fact that you can only trade non UK stocks in a special account means that you would be far better off for that going to someone like Interactive Brokers, who also don't do ISAs, but charge a relatively tiny amount for currency conversions.
I've no idea how the take over of TD is going to slot into this? Maybe they'll be forced to sort it out at last, which would be a real move forward.
For UK stocks I'd continue to recommend Barclays, I've used them as one of my brokers for years, and I've always found their service is in general excellent.
Peter
Thanks for the heads up with regards to Interactive brokers. Am currently with TD/Hargeaves and in event Barclays take TD Direct I will be looking to move.
Don't know much about Interactive though and not catering for ISA's means I'd probably avoid them.
I Also use IG but am loathe to put my ISA's/trading account with them.
Am a big fan of US stocks, especially the high yield blue chip payers so need to find a broker that isnt too expensive and is happy to have such companies in either an ISA or a SIPP.
Would also need said broker to have a reasonably credit worthy owner. Wish Charles Scwab UK was still around.
Used to use Charles Schwab in Hong Kong - they were superb. Anyone use TD Ameritrade at all?
The Charles Schwab Hong Kong account reminds me I need to set up on offshore broking account.
Has anyone else done that here?
Whilst resident in the UK, I shall of course pay all the appropriate taxes. The main purpose would be as an insurance policy just in case our hopeless politicians make such a mess of things that they have to reintroduce capital controls in the future.
I use TD Ameritrade and TD Direct. I find that TD Ameritrade is much better. The website is really good. It is very well organised and fast. Trades show up in balances immediately. Money from sales is available immediately to do a purchase. They also have a lot of information on stocks. If you need to contact them they are very helpful and available around the clock.
Useful information! I currently use x-o.co.uk for ISA - they offer £5.95 flat rate for each trade. The only downside is that they do not offer a mobile app which I really need in order to execute my trade quickly (during my work hours!). I wonder if any of you out there know of any broker offering cheap (ish) fee along with a mobile app. I think Burford Securities is a possible contender but haven't used them?
Take a look at IG - they now do stockbroking and ISAs with a decent mobile app and DMA. Trades are cheapish if you do a reasonable number