{"id":170,"date":"2018-06-14T06:17:22","date_gmt":"2018-06-14T06:17:22","guid":{"rendered":"https:\/\/adamfayed.com\/?p=170"},"modified":"2025-11-14T09:21:59","modified_gmt":"2025-11-14T09:21:59","slug":"account-openings-and-online-investment-sites","status":"publish","type":"post","link":"https:\/\/adamfayed.com\/it\/review-articles\/trading-platforms-review\/account-openings-and-online-investment-sites\/","title":{"rendered":"Apertura di conti e siti di investimento online"},"content":{"rendered":"<p><strong>Updated January &nbsp;9, 2020<\/strong><\/p>\n\n\n\n<p>This article will review some of the best investment platforms in 2019, and get into the whole DIY vs advsior debate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>&nbsp;Best investment platforms UK in 2020<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><b>Hargreaves Lansdown &#8211; <\/b>A FTSE100 company, Hargreaves Lansdown charges a 0.45% fee for the first \u00a3250,000 invested, 0.25% for investments between \u00a3250,000 and \u00a31 million and 0.1% charge for investment in excess of \u00a31 million. They have access to numerous fund, ETFs and other options. <span class=\"Apple-converted-space\">&nbsp;<\/span><\/li>\n\n\n\n<li><b>Vanguard Online <\/b>&#8211; charges 0.15% fee, capped at \u00a3375 a year.<span class=\"Apple-converted-space\">&nbsp; <\/span>They focus on passive investments, whereas Hargreaves Lansdown has both active and passive investments.<\/li>\n\n\n\n<li><b>Charles Stanley Direct &#8211;<\/b> similar to Hargreaves Lansdown.&nbsp; &nbsp; Charges 0.35% on smaller accounts per year.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><b>Best expat investment platforms in 2020<\/b><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><b>Interactive Brokers &#8211; <\/b>A cheap option, however, they are based in the US, so US estate taxes may apply.<\/li>\n\n\n\n<li><b>Saxo Bank &#8211; <\/b>Cheaper than Internaxx on smaller accounts, but more expensive on larger accounts.<\/li>\n\n\n\n<li><b>Internaxx (formerly TD Direct) &#8211; <\/b>The flat fees are `a killer` on smaller accounts, but a steal on larger accounts.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><b>Best investment platforms USA in 2020<\/b><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><b>Vanguard Online &#8211; <\/b>Just like the UK, Vanguard has a platform for US residents.<span class=\"Apple-converted-space\">&nbsp;<\/span><\/li>\n\n\n\n<li><strong>Fidelity and TD Ameritrade-<\/strong> two other low-cost investment platforms.<\/li>\n\n\n\n<li><b>Living in mainland Europe<span class=\"Apple-converted-space\">&nbsp;<\/span><\/b><\/li>\n\n\n\n<li><b>Degiro<\/b> fees are low, often less than $1 to trade.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><b><strong>Domande frequenti<\/strong><\/b><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Are there other options out there?<\/h3>\n\n\n\n<p>Yes. It isn\u2019t an extensive list. There are hundreds out there which could also be put on the list, but you won\u2019t go wrong with the above.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">I was reading on best investing platforms on Reddit &#8211; should I get advice on there?<\/h3>\n\n\n\n<p>A lot of readers have asked me about answers they have read on Reddit, Quora and Medium, and ask if they should trust those answers.<\/p>\n\n\n\n<p>It depends on the author, of course. There are some great answers online, but some awful answers as well!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Do the fees matter?<\/h3>\n\n\n\n<p>They do, but the fund selection also matters. Bare in mind flat fees vs percentage fees. &nbsp;Internaxx is more competitive on fees than Saxo Bank on larger accounts, but less competitive on smaller amounts and maybe up to $60,000, as the fees are flat. &nbsp;If you have a small amount to start with, check out what the flat fees are.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Does DIY investing for beginners work?<\/h3>\n\n\n\n<p>DIY investing can be brilliant for those who have the self-control to manage their own finances. But a surprising few people seem to be able to steer away from fear, greed and egoism and end up speculating. Perhaps good old human nature is too powerful to stop.<\/p>\n\n\n\n<p>Academic research has shown the average DIY investor only gets 4% when markets have averaged 10% per year, and countless investors panicked during 2008-2009 and other crashes.<span class=\"Apple-converted-space\">&nbsp;<\/span><\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<figure class=\"wp-block-image alignright size-large is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/10\/170_a_photo_of_two_people_are_talking_and_there_is_a_l_c459ef26-e92e-45ad-ae87-fa9759e82c0f-512x512.png\" alt=\"\" class=\"wp-image-69133\" style=\"width:250px;height:auto\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/10\/170_a_photo_of_two_people_are_talking_and_there_is_a_l_c459ef26-e92e-45ad-ae87-fa9759e82c0f-512x512.png 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/10\/170_a_photo_of_two_people_are_talking_and_there_is_a_l_c459ef26-e92e-45ad-ae87-fa9759e82c0f-300x300.png 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/10\/170_a_photo_of_two_people_are_talking_and_there_is_a_l_c459ef26-e92e-45ad-ae87-fa9759e82c0f-150x150.png 150w, https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/10\/170_a_photo_of_two_people_are_talking_and_there_is_a_l_c459ef26-e92e-45ad-ae87-fa9759e82c0f-81x81.png 81w, https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/10\/170_a_photo_of_two_people_are_talking_and_there_is_a_l_c459ef26-e92e-45ad-ae87-fa9759e82c0f.png 573w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">How can I know if I can be a good DIY investor?<\/h3>\n\n\n\n<p>By asking yourself questions such as these<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Do I always invest when I have money, or try to market time`?<\/li>\n\n\n\n<li>Have I ever tried to get&nbsp;rich?<\/li>\n\n\n\n<li>Did I panic during the last financial crisis, Trump\u2019s election or Brexit?<\/li>\n\n\n\n<li>Have I ever stock picked?<\/li>\n\n\n\n<li>Have I read investment books on subjects like index funds?<span class=\"Apple-converted-space\">&nbsp;<\/span><\/li>\n\n\n\n<li>Do I always read the financial media and panic?<\/li>\n\n\n\n<li>Do I know that nobody can predict markets, stock price direction and so on?<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">DIY investing vs advisor &#8211; what are the positives and negatives?<\/h3>\n\n\n\n<p>Do it yourself investing is cheaper IF you do two things; a).<span class=\"Apple-converted-space\">&nbsp; <\/span>Buy index funds &#8211; avoid all stock picking and the time and money that takes.<span class=\"Apple-converted-space\">&nbsp; <\/span>b). Buy and hold for 40-50 years.<\/p>\n\n\n\n<p>Using an advisor will be more expensive, but a good advisor can act as a `coach` as well as an advisor.<\/p>\n\n\n\n<p>Or put it another way, would you have panic sold in 2008-2009 if you had an advisor breathing down your neck, showing you academic evidence about why market timing doesn\u2019t work?<\/p>\n\n\n\n<p>Often in investing, knowledge isn\u2019t enough. We all know how to get a 6 pack at the gym, but how many of us have one?<\/p>\n\n\n\n<p>The same with investing. Having knowledge is only one part of the process.<span class=\"Apple-converted-space\">&nbsp; <\/span>Implementing the knowledge is 10x more important.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Can American expats invest in expat platforms?<\/h3>\n\n\n\n<p>Dipende.<span class=\"Apple-converted-space\">&nbsp; <\/span>Some accept Americans and some don\u2019t.<span class=\"Apple-converted-space\">&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Can American overseas invest in Vanguard?<\/h3>\n\n\n\n<p>Typically not, but rules are always changing.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Does Vanguard accept expats?<\/h3>\n\n\n\n<p>It depends where you live.<span class=\"Apple-converted-space\">&nbsp; <\/span>They do in some locations, but not in others.<span class=\"Apple-converted-space\">&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Does It Matter Which Index Fund You Use?<\/h3>\n\n\n\n<p>Typically not.<span class=\"Apple-converted-space\">&nbsp; <\/span>iShares, Vanguard, BlackRock , HSBC and many other providers have virtually identical index funds, tracking the same indexes.<span class=\"Apple-converted-space\">&nbsp;<\/span><\/p>\n\n\n\n<p>Vanguard was just the first provider of index funds, so they had first mover status.<span class=\"Apple-converted-space\">&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Investment portfolios in UK, America or Singapore &#8211; should they be different?<\/h3>\n\n\n\n<p>How you should invest shouldn\u2019t differ radically. Everybody should have some allocation to global markets, whereas you live. Avoid only investing in your home country &#8211; called `home country bias`.<span class=\"Apple-converted-space\">&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Does past performance matter in investment manager selection?<\/h3>\n\n\n\n<p>No, at least not the past 5-10 years. Over 50 years, however, lower cost funds outperform higher cost funds.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Do you offer investment help?<\/h3>\n\n\n\n<p>Yes, I can help people step up an online account. &nbsp;Minimums are $75,000 on the lump sum side, and $600 on the regular savings side.<\/p>\n\n\n\n<p>I<span class=\"Apple-converted-space\">\u00a0<\/span>will try to keep the minimum as low as possible for as long as possible, because I do want to help people who aren\u2019t super wealthy, but I may have to incrementally raise the minimum depending on the demand.<\/p>\n\n\n\n<p><br><br>For expats exploring account opening options and online investment sites, these might help.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-adam-fayed wp-block-embed-adam-fayed\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"8JaXbipdeJ\"><a href=\"https:\/\/adamfayed.com\/it\/review-articles\/rl360\/\">Recensione dell'obbligazione offshore RL360 Oracle<\/a><\/blockquote><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;RL360 Oracle Offshore Bond Review&#8221; &#8212; Adam Fayed\" src=\"https:\/\/adamfayed.com\/review-articles\/rl360\/embed\/#?secret=OW326u51xu#?secret=8JaXbipdeJ\" data-secret=\"8JaXbipdeJ\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-adam-fayed wp-block-embed-adam-fayed\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"IdJUpYthjB\"><a href=\"https:\/\/adamfayed.com\/it\/review-articles\/utmost-international-managed-capital-account-review\/\">Recensione del conto a capitale gestito di Utmost International<\/a><\/blockquote><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;Utmost International Managed Capital Account Review&#8221; &#8212; Adam Fayed\" src=\"https:\/\/adamfayed.com\/review-articles\/utmost-international-managed-capital-account-review\/embed\/#?secret=wwIZAY0fkz#?secret=IdJUpYthjB\" data-secret=\"IdJUpYthjB\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<p><strong>Siete afflitti dall'indecisione finanziaria? <\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"512\" height=\"288\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-512x288.jpg\" alt=\"\" class=\"wp-image-117505\" style=\"width:683px;height:auto\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-512x288.jpg 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-300x169.jpg 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-768x432.jpg 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-scaled.jpg 825w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/it\/become-adams-client\/\">Diventa mio cliente<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/it\/good-match-quiz\/\" target=\"_blank\" rel=\"noreferrer noopener\">Fare il quiz sull'idoneit\u00e0 del cliente<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/it\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">Contatto<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Adam \u00e8 un autore riconosciuto a livello internazionale in materia finanziaria con oltre 830 milioni di visualizzazioni di risposte su Quora, un libro molto venduto su Amazon e un contributo su Forbes.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>I migliori siti web di investimento azionario online<\/p>","protected":false},"author":1,"featured_media":171,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10166176115445471_100883565069113":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[11833],"tags":[82],"class_list":["post-170","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trading-platforms-review","tag-stock-markets"],"_links":{"self":[{"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/posts\/170","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/comments?post=170"}],"version-history":[{"count":2,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/posts\/170\/revisions"}],"predecessor-version":[{"id":233312,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/posts\/170\/revisions\/233312"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/media\/171"}],"wp:attachment":[{"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/media?parent=170"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/categories?post=170"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/tags?post=170"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}