As above really, I can't really pay many more dividends without hitting the high rate tax band. So it's time to open my new sipps. Was thinking initially putting 3-4k in. Any suggestions/guidance on which SIPP's provider to go for. And then perhaps which fund to invest in? Thinking a tracker fund, Vantage or something? There's a dazzling array to choose from.
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New SIPP's, pointers?
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Have a look through that lot. We discuss SiPPs and investing from time to time so should be able to find something.
Play with the keywords a bit. Same for the trackers, vantage has been discussed so try that as a keyword as well..
sipp site:contractoruk.com/forums - Google Search'CUK forum personality of 2011 - Winner - Yes really!!!! -
TL;DR: Open up your SIPP at HL or AJ Bell YouInvest. Move your Vanguard funds over to Vanguard when they lunch their SIPP next tax year.Comment
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Originally posted by Syd View PostTL;DR: Open up your SIPP at HL or AJ Bell YouInvest. Move your Vanguard funds over to Vanguard when they lunch their SIPP next tax year.
Or have they confirmed it's definitely definitely coming soon?
Also, is HL 0.45% platform fee capped at £200/year relevant to Vanguard LifeStrategy in a SIPP so if the fund is big enough it may still be cheaper on HL (or other even cheaper platforms) than direct with Vanguard at 0.15% platform fee but capped at £375.
As this is all maths isn't there a robo investor or something automated somewhere to calc the best route for a certain value against a specific target fund (e.g. VLS or generic index tracker ETF) to avoid all the smoke and mirrors all pension and investment companies seem to use to skim the customer.Maybe tomorrow, I'll want to settle down. Until tomorrow, I'll just keep moving on.Comment
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Any thoughts on the Vanguard offerings? I've picked the 40/60 bond/equity option. Sorry, I'm a complete novice at this. Also, I presume once I open the SIPP, I transfer funds into the SIPP. From there, I can log in and choose which investment products to buy out of the money I've transferred in?Comment
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Originally posted by Hobosapien View PostHasn't Vanguard's SIPP been 'coming soon' since 2018?
Or have they confirmed it's definitely definitely coming soon?
Also, is HL 0.45% platform fee capped at £200/year relevant to Vanguard LifeStrategy in a SIPP so if the fund is big enough it may still be cheaper on HL (or other even cheaper platforms) than direct with Vanguard at 0.15% platform fee but capped at £375.
As this is all maths isn't there a robo investor or something automated somewhere to calc the best route for a certain value against a specific target fund (e.g. VLS or generic index tracker ETF) to avoid all the smoke and mirrors all pension and investment companies seem to use to skim the customer.Comment
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Originally posted by ApeShape View PostAny thoughts on the Vanguard offerings? I've picked the 40/60 bond/equity option. Sorry, I'm a complete novice at this . Also, I presume once I open the SIPP, I transfer funds into the SIPP. From there, I can log in and choose which investment products to buy out of the money I've transferred in?
Being a novice doesn't stop you doing some research in to how a SIPP operates. 5 mins in the HL website will answer your question and a heap of others.'CUK forum personality of 2011 - Winner - Yes really!!!!Comment
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Originally posted by adubya View PostLifestrategy is a "fund" isn't it, so isn't subject to the HL platform cap. A £250K Lifestrategy investment would cost £1125 in HL charges vs £375 at Vanguard.Maybe tomorrow, I'll want to settle down. Until tomorrow, I'll just keep moving on.Comment
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Originally posted by adubya View PostLifestrategy is a "fund" isn't it, so isn't subject to the HL platform cap. A £250K Lifestrategy investment would cost £1125 in HL charges vs £375 at Vanguard.Public Service Posting by the BBC - Bloggs Bulls**t Corp.
Officially CUK certified - Thick as f**k.Comment
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Originally posted by ApeShape View PostAny thoughts on the Vanguard offerings? I've picked the 40/60 bond/equity option."Don't part with your illusions; when they are gone you may still exist, but you have ceased to live" Mark TwainComment
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