81 pointsby monkeydust9 hours ago7 comments
  • monooso3 hours ago
    I spent the entire day yesterday trying to set up some automated monitoring of my investments, only to discover most UK market information is locked behind stupid-money APIs.

    Anything that improves that situation is a positive.

    • inigyou2 hours ago
      That's normal in markets and it even makes sense.

      Think about it: shouldn't the market be funded by charging fees to the extremely wealthy participants? The alternative is that it's taxpayer funded, which is a tax subsidy to extremely wealthy participants.

      • doikor5 minutes ago
        Most if not all stock markets are for profit corporations making a lot of profit. They could have api fees at 0 and still make a profit.
      • dv_dt2 hours ago
        Seems like a bit of a false dichotomy- other alternatives are regulatory requirements or taxes that force or allow the api to be provisioned
        • inigyou2 hours ago
          You can force markets to make an open API funded by participants, but you can't make it fully open (open API and open participation) if you don't want tax funding because then there's no funding source left. Maybe you decide a fully open market is worth being tax funded, though it's still mostly going to benefit very rich people.
          • dv_dt2 hours ago
            Why is "no tax funding" a hard requirement? I would think the lowest cost to get that market information publicly shared and forthcoming (and thus increasing the efficiency and effectiveness of the market), would be for a government dept to operate the frontend distribution, but require regulatory submissions of transaction data within reasonable latency windows. It's just a modern form of say US SEC document submissions and EDGAR to distribute.
            • inigyou27 minutes ago
              It's because why should taxes fund things that benefit rich people? It's not far off from taxes funding the caviar at Davos.
          • Closi44 minutes ago
            I don't see why you can't do that?

            There's plenty of things that cost money that legislation forces companies to do anyway, regardless of if there is a 'funding source' or not.

            Although this particular one is from the FCA so presumably is taxpayer funded anyway.

            • inigyou26 minutes ago
              Well if you mandate they spend money and also mandate they don't get money, they'll shut down.
      • monooso2 hours ago
        Several such APIs include the equivalent data for US markets in their free tier, for personal use.
      • 1234letshaveatw2 hours ago
        Only the extremely wealthy participate in the UK? That is most certainly not the case in the US, where your average salaried employee has most of their retirement invested in the market
        • inigyou22 minutes ago
          Only extremely wealthy people participate in stock markets, in general. Other people use one of those wealthy people as an intermediary.

          To participate directly in a market you usually need to lock up at least several million dollars at what is effectively an escrow service, so they can shift it between accounts when transactions happen. All your shares stay locked up in a similar service.

          The line graph of stock prices you can see on Google is a lie. Real market data is, like, a live feed of who's buying and selling and at what price and quantity. That doesn't seem very useful to someone who isn't trying to trade on that market, and if you can't trade on that market why bother getting the data?

          There also isn't just one market. Any two large financial firms can just agree to directly trade with each other, would you mandate realtime data on that?

        • macleginn44 minutes ago
          They normally don't do self-set-up real-time monitoring though.
        • infecto2 hours ago
          Ehh to be clear even in the US certain markets like bonds are not always that transparent.
    • dismalafan hour ago
      If it's just for personal use see if your bank/broker has an API for market information. Most do even if it's not advertised.

      Also some resellers of market information are pretty affordable for personal use.

  • stephenheron5 hours ago
    https://ets-connect.co.uk/ < Slightly more information here.
  • trebligdivad2 hours ago
    I love that it's a 'tape' - I assume in reference to the early telegraph tapes/tickers: https://collection.sciencemuseumgroup.org.uk/objects/co33749...
    • gjvcan hour ago
      standard terminology remains standard
  • greengreengrass4 hours ago
    Disappointing that it seems difficult to actually sign up for – "real-time view" hidden behind layers of legalese and licensing, although it's pleasing to see the fees are effectively nothing for individuals or small firms. They're not exactly in the SaaS-era of live demos or trivial sign-ups for immediate access, are they?

    Why do we insist on actually useful interfaces into the economy and banking system being hidden behind such bureaucratic complexity? It's like the Open Banking gift that keeps on giving – if it were truly "Open", I'd have an API I could actually use to talk to all of my banks, rather than what feels like a closed shop (certainly for the average retail individual who just wants a feed from their bank).

    • cjs_ac4 hours ago
      There’s also a lot of bureaucracy involved in participating in the gilt market directly, rather than using an intermediary.

      https://www.dmo.gov.uk/investor-information/retail-investors...

      I don’t think the Treasury really wants to deal with amateurs.

      • pjc504 hours ago
        No, but you can hold them through the standard range of intermediaries and still get the tax advantage.

        NS&I offer a range of retail products - https://www.nsandi.com/guaranteed-returns is a good option but does NOT come with the tax exemption.

        • monkeydust3 hours ago
          the tax exemptions make it very attractive place to hold cash versus bank accounts - if your a UK citizen google (or AI) - low coupon gilt investing.
          • pjc503 hours ago
            Eh, for most people it's simpler to just use a cash ISA which can provide almost the same rates. Most people don't want or need to carry a huge cash float as opposed to other kinds of investment.
            • zipy1242 hours ago
              That only works if the capital is already in an ISA or you want to invest less than £20k (soon to be 12k) though. It is common to use gilts to build a gilt ladder to have some level of guaranteed income for older/retired people. This allows you to build your own cheap annuity.
            • gpderetta3 hours ago
              Well, yes, but after maximizing an ISA that's still an option. Also the government is clamping down on cash ISA.
              • cjrp2 hours ago
                I think they're clamping down on cash held in Stocks and Shares ISAs, not Cash ISAs.
                • gpderetta2 hours ago
                  As the government wants to encourage people to be invested and not hold cash, from '27 you'll only be able to add 12k in Cash ISA. They are planning to also change the limit on cash held on S&S ISAs to avoid an easy workaround for this limit
                  • cjrp36 minutes ago
                    Ah I see, I wasn't aware of the Cash ISA change too, thanks.
      • Pawenniag4 hours ago
        That's probably true
    • Pawenniag4 hours ago
      This is the frustrating pattern with a lot of "open" financial infrastructure
  • Pawenniag4 hours ago
    Whether the data will actually be affordable and usable enough for smaller participants or whether it mainly improves tooling for institutions that already had decent access
  • gib4445 hours ago
    Will this help us see how badly Burnham bungs bonds in real time? I jest I jest
    • AdamN4 hours ago
      Burnham being PM is already pretty well priced in. When he walked back comments a few weeks ago they corrected and my sense is that the market understands that unless there until actual laws or budgets are promulgated, what is said by Burnham isn't really market moving.
      • andy_ppp3 hours ago
        What is he going to do without the bond markets - the UK is in so much debt we basically need to jump however high they tell us to, unless he plans to default which would destroy the global financial system and destroy the UK for decades. The only way I can see out of this is to absolutely frack the crap out of the UK and push for more North Sea oil drilling. But we definitely won't do that so maybe we'll try a bit of fascism instead? I'm very unconvinced taxing rich people is possible (unless it is a global agreement) - most of their money can be moved into tax havens and other jurisdictions where HMRC will struggle to tax them.
        • mathieuh3 hours ago
          The irony is the top three tax havens are overseas territories of the UK and subject to legislation which should curtail their tax-haven status but which the UK is unwilling to enforce

          https://taxjustice.uk/blog/worlds-top-tax-havens-are-british...

          • inigyou2 hours ago
            And London is the money laundering capital of the world. It's some ridiculous percentage of their GDP.
        • monkeydust3 hours ago
          I think ...or hope...he ends more right than left and manages to do what Starmer failed to do a year ago which is to make major reforms to the Welfare system. Its just not sustainable.
          • pjc503 hours ago
            There really isn't a lot of slack in the welfare system unless you're prepared to be very short sighted and go back to "tent city" levels of homelessness. Which is partly why all previous attempts to cut it have failed. Maybe declaring certain areas of high rent off-limits for housing benefit, but then you have to raise the salaries of NHS staff and teachers living in London so they can afford to work there.

            Maybe if the Miliband reforms pay off and certain critical things get built and gas prices return to normal, Labour will be able to take credit for lower electricity prices? Unless it's all spent on datacenters, which would be even worse political doom.

            Personally I'd go with the "mansion tax" but that requires ignoring the well-connected screaming. They did manage that with VAT on private school fees.

            • matt-p10 minutes ago
              I think most teachers and nurses are already in private sector housing in London, so yes lets do that, sell all social hosing in Zone 1/2 and use that to pay higher wages for teachers and nurses plus replacement social housing in zone 6.

              I think there's a ton of space in the welfare system, look at the motability scandal or the increase in PIP claims.

            • Urahandystar3 hours ago
              Yeah but the VAT on school fees meant a load of those children had to go to state schools so we ended up paying for it anyway.
              • arethuza2 hours ago
                A rough calculation: £8,580 funding per child at state school, ~90,000 less in private schools and in state schools so about £770 million more required for state school funding and this measure is supposed to bring in about £1.7 billion a year...

                So it looks like it would pay for itself?

                Edit: We don't charge VAT on private healthcare - so charging it on private education looks a bit inconsistent to me.

                • 2 hours ago
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              • cjrp2 hours ago
                Wasn't it something like a 3-4% reduction in private school pupil numbers? And some of those would have ended up homeschooled rather than state.
          • dismalaf33 minutes ago
            Massive handouts via welfare programs is the only thing that keeps left leaning parties in power anywhere in the west. They've failed at bringing prosperity so they just court retirees, the unemployed and hire more government workers. And unfortunately those who rely on welfare outnumber those who work and pay taxes in a lot of western countries, because of the lack of prosperity... Need to hit rock bottom à la Argentina for people to wake up.
        • Forgeties793 hours ago
          I just feel like no matter what any government does the ultra rich will find a way to get around it. Look at the US gulf south: they are in a race to the bottom when it comes to tax breaks and just giving everything away to businesses/high income earners, yet they are poorer than ever. Texas and Florida are the exceptions here to a certain degree but they are also massive states with lots already going for them. Their neighbors collect a fraction of the taxes they should and get nothing out of it except aggressive resource extraction and cancer.

          Then look at the other end: are wealthy people and businesses really fleeing New York and California in droves like conservative media is portraying? Do we really see a meaningful wealth exodus occurring because of their corporate and personal tax laws? A cursory search says no. High housing costs, remote work, and just general pandemic shifts explain basically any changes there (and the number of people/businesses leaving isn’t particularly abnormal)

          All of this is to say I don’t really know what the solution is for the UK. I just don’t think businesses and the super wealthy respond 1:1 to these policies in the way that politicians claim they do. They are so rich they are ultimately going to live where they want and do what they want. They aren’t going to relocate themselves due to tax policy. They will just “be rich” their way through the problem.

          • philipallstar2 hours ago
            The ultrarich just don't matter. There are so few of them. And they might avoid personal tax, but they generate insane amounts of other taxes that they are still huge contributors. The people who net don't contribute are going to be state/federal employees, benefits recipients, state pension recipients, that sort of thing.
      • gib4442 hours ago
        How do they know what he will do to the economy before even he does? That's impressive

        I wasn't referring to his becoming PM but what he does during the premiership, you know, the more important part

        • inigyou2 hours ago
          How much a politician will make wealthy people wealthier probably correlates pretty well with their left-right axis position multiplied by their amount of power.
  • mark_l_watson3 hours ago
    Potentially, the raising interest rates because investors don’t trust the long term stability of the UK economic system (more spending on pro-war activities, sluggish economic growth, and higher than expected government borrowing) will crash their financial system.

    I hope I don’t sound too selfish but I am a USA citizen, and I would rather worry about my own country’s medium-term financial future.

    • jalev3 hours ago
      The UK's financial system made it out battered but bruised in the 70s which were a magnitude worse than what we have right now (double digit unemployment, inflation double digit, interest rates at like 15%, an IMF bailout...). Any talk of the British financial system collapsing is as realistic as the S&P500 dropping 50% in the near future: sure it can happen but the chances are so statistically small you have a better chance of winning the lottery.
      • abecedarius2 hours ago
        National debt to GDP was much lower in the 70s.

        You might be right that near-term disaster is unlikely, but comparing to a lottery win is ridiculous. Orders of magnitude off.

    • noir_lord3 hours ago
      If I was American I’d be worried about the US as well.

      You elected a circus.

    • cryptonym3 hours ago
      Let's play a game

      > Potentially, the raising interest rates because investors don’t trust the long term stability of the [Guess the country] economic system (more spending on pro-war activities, sluggish economic growth, and higher than expected government borrowing) will crash their financial system.

    • alex_duf3 hours ago
      >I hope I don’t sound too selfish but I am a USA citizen

      The rest of the world is getting tired of worrying about the US's economical situation, whether it the dotcom bubble, the sub-primes, or now the potential AI bubble.

      So apologies for being blunt here, but yes it does sound selfish to me

      • mark_l_watson3 hours ago
        Yes, I do sound like a jerk. Difficult though to not worry about local bullshit a lot more than other country’s bullshit. While I care for every person on our planet, I spend more time thinking about the future of my children and grandchildren.
        • inigyou2 hours ago
          Who did you vote for?