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AJ Bell Youinvest vs Lloyds Bank 2020
Your capital is at risk.
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Overall Rating
| Feature | AJ Bell Youinvest | Lloyds Bank |
| Overall | ||
| AJ Bell Youinvest Review | Lloyds Bank Review |
Trading Fees
| Feature | AJ Bell Youinvest | Lloyds Bank |
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Share Trading: 0-9 Deals/ Month |
£9.95 | £11.00 |
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Share Trading: 10-19 Deals/ Month |
£4.95 | £8.00 |
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Share Trading: 20+ Deals/ Month |
£4.95 | £8.00 |
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Annual Custody Fee: £0 - £250,000* |
0.25% (Max £7.50 per quarter) | £40.00 |
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Bonds - Government (Gilts) - Fee |
£9.95 | £11.00 |
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ETFs - Fee |
£9.95 | £11.00 |
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Investment Trusts - Fee |
£9.95 | £11.00 |
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Telephone Dealing Fee* |
£29.95 | £35.00 |
| Commissions & Fees | ||
| Winner | check_circle |
Platforms & Tools
| Feature | AJ Bell Youinvest | Lloyds Bank |
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Desktop Platform (Windows) |
No | No |
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Web Platform |
Yes | Yes |
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iPhone App |
Yes | No |
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Android App |
Yes | No |
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Stock Alerts |
No | Yes |
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Charting - Indicators / Studies |
10 | 91 |
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Charting - Drawing Tools |
1 | 17 |
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Charting - Notes |
No | No |
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Charting - Display Corporate Events |
Yes | Yes |
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Charting - Stock Overlays |
Yes | No |
| Platform & Tools | ||
| Winner | check_circle |
Research
| Feature | AJ Bell Youinvest | Lloyds Bank |
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Research - Shares |
Yes | Yes |
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Research - CFDs |
No | No |
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Research - Funds |
Yes | Yes |
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Fund Research - Research Reports |
Yes | No |
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Research - ETFs |
Yes | Yes |
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Research - Bonds |
Yes | Yes |
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Portfolio Allocation Breakdown |
Yes | Yes |
| Research | ||
| Winner | check_circle |
Investments
| Feature | AJ Bell Youinvest | Lloyds Bank |
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Share Trading |
Yes | Yes |
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CFD Trading |
No | No |
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Funds |
Yes | Yes |
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ETFs |
Yes | Yes |
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Bonds - Corporate |
Yes | Yes |
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Bonds - Government (Gilts) |
Yes | Yes |
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Investment Trusts |
Yes | Yes |
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Spread Betting |
No | No |
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Advisor Services |
No | Yes |
| Offering of Investments | ||
| Winner | check_circle |
Education
| Feature | AJ Bell Youinvest | Lloyds Bank |
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Has Education - Share Trading |
Yes | Yes |
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Has Education - Funds |
Yes | Yes |
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Has Education - Retirement |
Yes | Yes |
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Client Webinars |
No | No |
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Client Webinars (Archived) |
Yes | No |
| Education |
Overall
| Feature | AJ Bell Youinvest | Lloyds Bank |
| AJ Bell Youinvest Review | Lloyds Bank Review | |
| Overall | ||
| Winner | check_circle |
First, we will compare the fees charged for dealing in the UK. There are two primary fees: the cost to place each trade and the monthly, quarterly, or annual management fee charged which varies depending on the type and size of your portfolio. We researched both to provide a single star rating for cost. AJ Bell Youinvest's score is 4.00 stars versus Lloyds Bank's 3.50 stars.
Further breaking down costs, we analyzed four different trading scenarios. For all four scenarios, we are assuming a £30,000 portfolio for custody fees.
Scenario 1 - If you make 1 trade a month, or 12 per year, the fees with Lloyds Bank wold be £172 and the fees with AJ Bell Youinvest would be £149.40.
Scenario 2 - If you make 3 trades a month, or 36 per year, the fees with Lloyds Bank wold be £436 and the fees with AJ Bell Youinvest would be £388.20.
Scenario 3 - If you make 10 trades a month, or 120 per year, the fees with AJ Bell Youinvest wold be £624 and the fees with Lloyds Bank would be £1000.
Scenario 4 - 240 trades per year, or 20 trades per month. AJ Bell Youinvest charges £1218 and Lloyds Bank charges £1960.
Cost aside, we can now compare popular features and tools investors prefer. Access to the investments you want is important, and Lloyds Bank offers clients ISA and SIPP while AJ Bell Youinvest offers ISA, ISA - Junior, SIPP and SIPP - Junior. Next, some traders desire robust charting, so the number of drawing tools and total technical indicators made available, as well as stock alerts, are considered. Lloyds Bank boasts an offering of 17 charting tools compared to AJ Bell Youinvest's 1 available charting tools. Lloyds Bank boasts an offering of 91 different indicators (for example, moving averages) compared to AJ Bell Youinvest's 10 available indicators. Lloyds Bank makes basic stock alerts available to clients, while AJ Bell Youinvest does not. Finally, for researching funds while share dealing, having access to mutual fund research reports is also helpful. AJ Bell Youinvest has fund research reports, Lloyds Bank doesn't.
Overall, between AJ Bell Youinvest and Lloyds Bank, AJ Bell Youinvest is the winner.
AJ Bell Youinvest Review
Lloyds Bank Review
All pricing data was obtained from a published web site as of 01/15/2020 and is believed to be accurate, but is not guaranteed. The UK.StockBrokers.com staff is constantly working with its online broker representatives to obtain the latest pricing data. If you believe any data listed above is inaccurate, please contact us using the link at the bottom of this page.
