>>7993
Oof, quite a specialist area.

Annuities are generally viewed as the old-fashioned way of doing it, and quite poor value nowadays.

Bonds are fine, but as you say, not great investments if they want regular income, and the ones that pay good income are risky. Interest-rates are at historical lows, and bonds will track those.

You need to focus on income-based funds, ie investing in companies that reliably pay dividends.

First off, find out what they have. Existing pensions, cash, other investments.

Second off, find out what they need.

Never-mind, they're investing in a credit union at 2% return. I guess I shouldn't question it.

>>7996

Is that FSCS guaranteed? If so, I want a piece of that.

>>7997
Commsave but you'll probably have to join Unite.

What stockbroker do you guys use?

Is Hargreaves Lansdown the best one to use?

>>8009
I use them - they seem fine to me.

I quite like the look/sound of Freetrade too, but haven't stuck any money in them yet.

>>8009
>What stockbroker do you guys use?

I use HL because you get a more varied selection in funds and there's a nice level of detail. It gives me a map and graphs so I can pretend I know what I'm doing.

>Is Hargreaves Lansdown the best one to use?

It depends on what you're after. Vanguard is cheap and probably advisable if you're just looking to throw some money into an index tracker but I'd take a good look across platforms as you probably won't bother switching once you've got money on one.

>>8010
>>8011
Does HL have any advantages over freetrade?

>>8012
HL had a greater range of investment funds when I last checked - I think Freetrade has only recently started doing SIPPs, and I don't know what their range is like; they're definitely the new kid on the block but seem interesting.

>>8012
Me and other-lad use HL. Although iirc he doesn't believe in Britain and I keep about 9% in Japan.

>>8014
That's right, I don't own any UK stocks - I do own plenty of UK funds, so have indirect exposure; though it is international funds and global tech that are doing the best for me.

My UK tracker funds have all gone to shite. My HSBC FTSE 250 tracker is the worst, though I am only now down the prchronic masturbatory sum of £1.46 so SOON I'LL BE A MILLIONAIRE etc.

>>8015
>prchronic masturbatory

FFS. I meant PRINCELY.

>>8015
>My HSBC FTSE 250 tracker is the worst

Gave me a chuckle as I'm in that too. Oh what I silly time for me to invest some more money last month just before the FTSE shit the bed - how I laughed heartily as I slipped into the red.

Are you also the lad who mentioned FB WHEB Sustainability? I saw it while poking around and gave it a punt. Been fairly stable that one.

>>8017
>Are you also the lad who mentioned FB WHEB Sustainability?

Think that must be otherlad. My only fairly stable ones over the past year, that have done well, are Fundsmith.

I just stuff all of my money into Bitcoin, Ethereum, and gold. I own a little bit of land, and I'm still paying of some property. Perhaps I'll but more land in a decade. Fuck getting rich in the short term, preserving wealth in the long term is the safest way to go considering all of the shit that has happened recently. I don't trust central banks with how much money they've just miraculously printed into the economy. The only thing keeping stocks up right now are pension funds I reckon. It's a zombie economy, and It's going to collapse. Pack rice. And tea.

>>8019
>The only thing keeping stocks up right now are pension funds I reckon. It's a zombie economy, and It's going to collapse.

People have been saying this just about every time investing has been brought up over the past 10 years on here.

>>8020
Every investment forum in the past 100 years has people like him. You can afford that worldview if you already have property and gold.

So what's the deal with TSLA?

Also ETFs (like Global x and ARK) look like they have pretty good yield and spread risk across a portfolio of emerging tech companies.

They tend to be organized around a theme (electric cars, robotics, next gen internet, medicine etc)